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

This letter is a formal complaint that Fedloan Serving is erroneously reporting derogatory late payment-history information regarding my student loans which they service, to the XXXX major credit reporting agencies : XXXX, XXXX, and XXXX. These negative entries are having an adverse effect on the ability to obtain credit under favorable terms and/or denial of credit. These accounts were included in a forbearance granted by Fed Loan Servicing in XXXX. The forbearance means that no payments are due and therefore no payments could be late. 

Attached is a copy of a letter that I received from Fed Loan Servicing outlining the details of my forbearance from XXXX. 

Attached is a letter sent to Fed Loan Servicing, requesting that they remove all late payments. Fed Loan Servicing maintains that they are reporting accurate credit information to all XXXX major credit agencies, an assertion that I dispute. 

Fed Loan Servicing, in a written statement ( attached ), has further asserted that periods of forbearance do not remove accurate reporting of previous delinquencies, if any to the consumer reporting agencies. This stance is in direct conflict with the XXXX XXXX to XXXX XXXX XXXX, Office of the General Counsel, U.S. Department of Education, dated XXXX/XXXX/XXXX, as issued by XXXX XXXX, United States Federal Trade Commission. This opinion, attached to this dispute concerns the applicability of the Fair Credit Reporting Act ( FCRA ) to the reporting of additional information to credit bureaus about defaulted student loans. It states, " [ The duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ] extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at XXXX point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. '' Therefore, Fed Loan Servicing has a legal requirement, under the provisions of the FCRA, to remove the late-payment entries being made to the credit reporting agencies for the above-referenced time frame, since the affected loans were not delinquent, but whose terms were satisfactorily satisfied through the proper application of in-school payment deferment and/or forbearance. 

I 'm requesting removal of all late payment information from these accounts immediately. Continued inclusion of this erroneous late payment information places Fed Loan Servicing in violation of Fair Credit Reporting Act.
Complaint sub-issue: No notice of investigation status/result

Complaint against Equifax I need to know the information Equifax and the credit grantors are using to keep reporting those accounts I suspect to be result of fraudulent activities, in order to find out if I can identify the possible fraudulent acts and actors. Nevertheless, Equifax makes it very difficult for me to conduct my investigation. Even though, I have found already wrong addresses, employers, phone number and even some credit grantors have contacted the credit bureaus reporting possible fraud in my file, they still do n't cooperate with me for a resolution of my problem. The following are some of the things I have tried in good faith to resolve these issues : 1. I have been disputing items in my credit report that I am suspecting to be result of fraudulent activity, for over a year now. Nevertheless, Equifax always comes back saying that the items were verified by the credit grantors. ( see attached documentation ) 2. I have requested them to provide me to the information the credit grantor used in order to authenticate these accounts and they never reply back to me. ( see attached documentation ) 3. They pretend to open a new investigation every time I send these letters requesting additional information used to identify those accounts as mine, and few days later they return a result as already investigated and with new information added to the file. This new information is never provided to me, in details, when I request this to be sent to me. ( see attached documentation ) 4. They have requested me to contact the credit grantor. When I have contacted the credit grantor to obtain additional information they always failed to respond to me. I have even copied Equifax and I have requested them to remove the information should the credit grantor fail to respond to my request for additional documentation. They never remove this information. ( see attached documentation ) 5. I have sent evidence of my failed communication with the credit grantor and they have chosen to ignore it. ( see attached documentation ) Please kindly proceed to open a complaint against Equifax. 

Respectfully, XXXX XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

I never received a certified letter stating to cure a default on car loan which caused a repossession of the vehicle.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/XXXX ( mailed XX/XX/XXXX ), I sent a certified letter to I C Systems, Inc. requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. I verified their receipt of said letter using the USPS tracking feature. They have failed to respond to my request in any way, therefore, they have not proved that I am obligated to pay them anything. They have reported delinquent and negative information to all of the credit bureaus and I asked that it be deleted.
Complaint sub-issue: Debt is not mine

a woman out of XXXX, Texas broke into the drop box of what was XXXX XXXX XXXX which has gone bankrupt and sold the property. mine of XXXX other apartments rent and utility money orders were stolen from the drop box. apartment was notified by police this was happening in the area and did n't take precaution to prevent this from happening. after that a month later I moved out. the money that was stolen from the apartment has been in collections going on 5 years. ProCollect out of XXXX, TX is the collector ph # XXXX.i explained to them that I paid my bills but the money was stolen from there drop box. which is n't my responsibility to pay again due to their failure and notification from police this was going on before it happened. They asked for proof of the robbery of the building and I went down to the police station and got copies of the report that my money that I put in there drop box was stolen out of there office and sent a letter from the chief of XXXX, Tx, Police Department saying and proving that my money was stolen. He also lived there during the occurrence. The collector keeps calling and saying I owe money that I paid 5 years ago and I owe the stolen money the apartment failed to secure. me and my fianc have both asked for proof of debt and for the original debtors information which is the owners of XXXX XXXX XXXX which they will not give. ProCollect told us to google the information on a bankrupt business denying us the ability to contact the original debtor to dispute the false debt. I have contacted a lawyer and I will be writing a cease and desist letter sending the police report and letter from chief of police again a to PRoCollect and also sending it to all XXXX credit bureau 's to continue to dispute. after that if it is not removed from our credit report I will have no other choice but to file a lawsuit.
Complaint sub-issue: Reporting company used your report improperly

According to the information provided to and supplied by https : //www.equifaxsecurity2017.com/XXXX, my personal information was leaked as part of Equifax 's major security breach that Equifax discovered on XXXX XXXX, XXXX and made public on XXXX XXXX, XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax many times explaining that this information on the attached FTC report does not belong to me at all. These was done fraudulently, I call, and they say that the special handling has to call me back & I never get a call & this information remains on my credit report. Please delete this information.
Complaint sub-issue: Problem with paying off the loan

we purchased a boat XXXX XXXX ago, paid all payments. during covid we were given payment extensions. loan matured we tried to get assistance to extend loan, but got run around. we told them we wanted to pay loan off, in the process they reported to the credit agency a late payment while we were continuing to pay regular payments. we paid off loan and feel this bank after XXXX XXXX  is scrupulous and operates un fairly.
Complaint sub-issue: Fraudulent loan

XXXX XXXX  XXXX XXXX malicious transaction use my personal information, an unauthorized signature to obtain loans. They were misleading and not letting know. 
I went to an open orientation couple years letter while checking my credit report there were outstanding student loans on my account. I contacted them I never got any response from them. Soon later the school closed. All my attempts to have them discharge this loans have been unsuccessful. 
They advertising was totally misleading. And they never deliver to me any service and any return of this. They requested for this loan was in bad faith. I was never contacted in the past about this loan until it was already in default. And now in collection department of education refuse to discharge it. They keep passing the loan around to different agencies. 
I need help revolving this issue with department of education. Thy haven't been very forgiven of a loan they have no attendance of me a loan I never authorize anyone to open. 
They garnished my tax return and refuse to further investigate this claim from XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

Equifax had poor security practices and allowed an unknown amount of information about me to be stolen sometime in XX/XX/XXXX-XX/XX/XXXX. This breach affected 143 million people, and was discovered by Equifax at the end of XX/XX/XXXX. However, they neglected to notify the public until early XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Complaint sub-issue: Debt was paid

In XXXX of 2019 I contacted XXXX XXXX from XXXX XXXX XXXX regarding a collection with XXXX XXXX XXXX. I scheduled automatic payments through my checking account every 2 weeks starting XX/XX/2019 until debt was paid in XX/XX/2019 to the total of {$1500.00} XXXX XXXX paid every 2 weeks ). Last month ERC came up on my credit report for the same company XXXX XXXX XXXX for the amount of {$1500.00} this debt has been paid with the original creditor and I have my statements and bank info to show it has been paid. I would like ERC to remove that derogatory collections on my credit report because it is showing up as a new collection when it is not. This is poor practice of collecting a debt that is finalized.
Complaint sub-issue: Account status incorrect

My account was labeled as a business account when in fact it was a personal account and they blocked online access to me. They allege that it was a banking error due to my mothers maiden name being inputted incorrectly by them. I went into the branch to fix it and they updated the account. Thereafter, I could log in but they had charged me excessive overdraft fees that I did not owe. They took off the fees but they reported it to my credit bureaus as delinquent, after they told me that it was corrected.
Complaint sub-issue: Their investigation did not fix an error on your report

I paid off a loan in XX/XX/2019 # XXXX, Money Lion payment processing generated me a paid in full statement. Months later I'm reported as 30 days late because they had issues with there payment processing. XXXX  and I called Money Lion amd spoke to a representative in XXXX paid this loan in full and was assured they would remove the false 30 day late payment. Now again I took out and paid in total another loan. On my dispute old information has been transferred from XXXX to XXXX ( in my dispute XXXX  # XXXX - There was never a late payment on either loan. Both loans was paid in full before the due dates.
Complaint sub-issue: No notice of investigation status/result

I sent in disputes regarding inaccurate account information almost two or three weeks ago, and did n't receive a response regarding inquiries or accounts that were removed from my credit report. I called Equifax and I was told that they were n't going to remove the inquiries that were n't authorized. I did n't receive any notification regarding the accounts that were disputed either.
Complaint sub-issue: Information is not mine

Incorrect information, such as mortgages, auto loans, etc, that I never had.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted several disputes with all three Bureaus including XXXX, Equifax, and XXXX. I'm a victim of Identity Theft, and was informed by all three bureaus to submit a ID Theft Report from the FTC along with a Police Report to remove the fraudulent accounts from my credit reports. 

I submitted the last FTC ID Theft Report, along with my Police Reports back on XX/XX/2021. I never received any correspondence from the bureaus. I called them approximately 45 days later and to no avail all I got was the run around and they were continuing to process my disputes. From that point I kept waiting to receive some form of correspondence in the mail and still never received any correspondence whatsoever. 

I then decided to try to contact the collection account by the name of XXXX XXXX directly that's reporting on my credit report due to fraud. I spoke with a the Collections Manager by the name of XXXX XXXX XXXX who informed me to send a copy of the Police Report, and she would look to remove the collection account from my credit report. Again, I never heard back from the Collections Manager as it relates to this and the other fraudulent accounts on my credit report.
Complaint sub-issue: Debt is not yours

I have submitted four disputes with XXXX asking them to verify of immediately remove this collection from XXXX XXXX  from my credit report that I have no knowledge of. During my second attempt that was submitted on XX/XX/2020 they never sent me any notice whether it was verified or removed so I signed up for their subscription that showed they updated the account on XX/XX/2020 just days later without any full investigation. I have sent notarized letters asking numerous times along with a copy of my driver 's license and social security card. XXXX and XXXX has removed this account.
Complaint sub-issue: Can't use card to make purchases

I applied and was approved for a commercial credit account. I was given a reference number to use for purchases before the card arrived in the mail. At the store, this reference number found my account, but was giving errors and could not be used. Corporate employees did not understand the issue when both myself and in store employees explained the issue. 

Apparently the account had somehow been made half commercial and half consumer and would not function despite all attempts from the in-store employees. 

After XXXX hours at the help desk, we decided to try clearing the entire account and starting a new application. The new application was rejected due to the previous account.
Complaint sub-issue: Information is not mine

hello, My name is XXXX XXXX XXXX, a victim of fraud that was done on XXXX XXXX and XXXX XXXX 2015. As someone got my " social security and fake id also have other personal information '' and has tried to open an XXXX account and also a XXXX account first on the internet and then XXXX also along with in activity as they had purchased XXXX XXXX phones I phone XXXX plus cash from the customer service representative Along with opening XXXX lines in while opening the account under my name and information, lacking enough information leading back to me. Alone with providing false fraud information! Has currently been shut down a email was sent to you regarding this from XXXX and fax with all my personal information was sent to equifax if you could forward all this information to all credit bereus it would be greatly appeciated. You will also get a response back on the paperwork in a couple of days as i plan to send it by the end of this week. I have sent over police report and have contacted avon police and sterling heights and also have not yet heard response back from avon police as it is still under investigation in XXXX Indiana. Please feel free to contact them or me at anytime. 
Please leave a message if i do n't answer. I am not answering unknown numbers, so i ill get back to you. : ) thank you. 
Tell me what is the next plan in action to pursue more into taking care of these active accounts. 

Again, please contact credit bureau also i also have contact all the ( 3 credit bereaus ) and to take care of the credit scores etc. Also have followed the instructions of the fraud information that the police had given me to follow through in the process of being a identity theft victim and have done fraud alerts as well if you can further take action in providing me safe and security in my personal information. 
Please look into asap. 

Best regards, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA, Im submitting this complaint to help establish a legal recourse. If the Credit Reporting Agencies choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge.. 

XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
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 that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ;
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 I sent certified letters to XXXX, Equifax and XXXX regarding an error on my credit reports regarding XXXX XXXX XXXX. In these letters I stated that they were reporting this an an open account which is not under FCRA compliance. I also stated that there was account number with XXXX and it wasnt the full account number and on the other reports there was no account number at all. Also the dates are not the same and being reported as past due which is also not in FCRA compliance. All bureaus should be reporting the same information all around the board. While examining I noticed that the account was updated instead of being removed or corrected. I will attach an image of the reports showing all the errors as well as the certified letter receipts.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2018 a negative report was submitted against me by XXXX XXXX XXXX XXXX ( " XXXX '' ) [ XXXX XXXX XXXX XXXX, XXXX, Oklahoma XXXX ]. The report references account no. XXXX and indicates there was a charge-off of {$100.00} on that account. 

I called XXXX and spoke with a nice lady who indicated over the phone that I am not responsible for the account - she could not give me any further details, because she is not allowed to give that information to people who are not on the account. Nevertheless, some how or another, this account has been tied to me and now reflects a negative mark on my credit rating. The nice lady to dispute the negative report with XXXX. 

I could not file a dispute with XXXX. So I disputed the negative and erroneous report with XXXX. I told XXXX about the conversation with XXXX. However, the negative and erroneous report from XXXX is still, nevertheless, on my credit record. XXXX acts like it solved the problem, but clearly did not look into the matter or give it a modicum of thought. 

I sent XXXX another message regarding this situation, and got to speak with XXXX in the loan department. XXXX was very nice and explained to me what I had been told earlier, i.e., the account at issue is not my responsibility. XXXX/XXXX [ XXXX, ext. XXXX ] could not explain how the account/charge-off was filed against my credit rating as a bad report. XXXX suggested I dispute it again with XXXX. 

So, this morning I filed another dispute with XXXX. We'll see what happens, but I'm not going to hold my breath with that outfit. 

What I ask of the CFPB, and hope for, is that the erroneous report filed against my credit rating should be completely removed from my credit background/report as it may be curated by ( 1 ) XXXX, ( 2 ) XXXX, and ( 3 ) Equifax. Since XXXX admits the account/charge-off has nothing to do with me, and that I am not responsible for it, there is no reason why the report should have been filed against me in the first place, or why any reference to such a dubious and inaccurate piece of work should remain on file against me. 

I also ask the CFPB to communicate with XXXX  regarding this matter, in as much as XXXX may be of some help in getting the bogus report removed from my file ; also, perhaps the CFPB can better determine how this bogus report came about in the first place. So far, nobody seems able to explain that one. 

I am really at a loss to understand how something this sloppy and clearly wrong can be so hard to fix. The financial sector doesn't hesitate to wreck your credit if you owe them even a thin dime, but they sure as XXXX can not or will not get it together nearly as quick when it comes to fixing something as clearly libelous and wrong as what they have done to me in this case. 

CFPB, please help.
Complaint sub-issue: Reporting company used your report improperly

I RECEIVED MY CONSUMER REPORT AND I FOUND INACCURACIES ALL OVER THE REPORT AND I WANT THEM DELETED IMMEDIATELY LISTED BELOW WITH INACCURACIES SHOWN. 

XXXX XXXX BALANCE XXXX XXXX ACCT # XXXX, SHOWING OPEN ACCOUNT, OPEN DATE ( XX/XX/XXXX ) XXXX REPORTED ( XX/XX/XXXX ). ( XXXX ). 


XXXX XXXX XXXX  BALANCE XXXX XXXX ACCT # XXXX SHOWING A CLOSED ACCOUNT ( INACCURATE ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) DATES ARE ( INACCURATE ) ( XXXX ). 


XXXX XXXX BALANCE XXXX XXXX ACCT # XXXX SHOWING A CLOSED DATE ( INACCURATE ) XXXX SHOWING OPEN STATUS. OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) DATES ARE ( INACCURATE WITH XXXX  DATES.