Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX-Date of inquiry XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the ( date of the Previous letter ). Ive already included this report in my previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This complaint is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 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 XXXXXXXX
Complaint sub-issue: Account information incorrect

In XX/XX/XXXX, I obtained a vehicle through XXXX XXXX XXXX. In mid XXXX, I started received notifications that my car payment was reported late almost every month until I traded the car in and got a new lender. I contacted Carmaxx during my current loan with them as well as on XX/XX/XXXX. I called and ask to speak with a supervisor, letting her know of my concerns for the inaccurate reporting of late payments. She basically told me there is nothing she could do to update the information anymore because I am no longer a customer. I explained to her that I have previously called numerous times to get this resolved, and I put in several complaints with each bureau. Carmax has repeatedly said this information was correct. 

I really need help getting this inaccurate information updated because it is affecting my credit in a negative way. All of the dates below are inaccurate. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX - To Whom It May Concern : Pursuant to 15 USC 1681 ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.

They should all be removed from My consumer report pursuant to 15 USC 1682a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately they are a violation of my rights as a federally Protected consumer under title 15 chapter 41.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

In XXXX, XXXX and XXXX of 2019 filed disputes with the credit bureaus. I am a victim of identity theft. The information listed in this report, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # 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: Not given enough info to verify debt

I never had a XXXX account
Complaint sub-issue: Need information about your loan balance or loan terms

I have been with XXXX on the Public Loan Service Forgiveness plan since XX/XX/XXXX. On XX/XX/XXXX I contacted them because on my account it says I have only made 7 qualifying payments out of the three years I've been with them. As of today XX/XX/XXXX they still have not reviewed my complaint and fixed their mistake. They keep saying I am on the right plan, but my qualifying payments are not moving. I have contacted them at least once a month since I inquired about this and I keep getting the run around. At first they said it would be 7-10 business days, after that they said it would be 160 days. I called today which is day 290 and I still do not have an answer. The lady said she would have to email her supervisor and they would get in contact with me within the next 7-10 business days.
Complaint sub-issue: Didn't receive notice of right to dispute

Did not receive a 30 day notice to dispute debt
Complaint sub-issue: Reporting company used your report improperly

Unlawful reporting without my consent and goes against my privacy per 15 USC 1681 ( b ) 2
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. I HAVE NEVER ASSOCIATED WITH THAT COMPANY AND HAVE NEVER REQUESTED ANYTHING FROM THEM. I AM A VICTIM OF AN IDENTITY THEFT AND THE ACCOUNT WITH THEM UNDER MY NAME IS NOT MINE, IT WAS NEVER MINE, I HAVE NEVER MADE ANY PAYMENTS OR I REQUESTED TO HAVE THIS ACCOUNT, I HAVE SENT THEM PER THEIR REQUEST ORIGINAL POLICE REPORT, ALONG WITH MY IDENTITY THEFT REPORT AND SIGNED NOTARIZED PERSONAL STATEMENT THAT THIS ACCOUNT IS NOT MINE. THERE IS NO ADDITIONAL INFORMATION I AM ABLE TO GIVE THEM AND UNFORTUNATELY I HAVE NO IDEA WHO THE THEIF IS. ALL I KNOW IS I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT. THANK YOU
Complaint sub-issue: Information belongs to someone else

XXXX  HAS AN ACCOUNT AVANTE USA ON MY CREDIT REPORT THATS NOT MINE.
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 COMMISSION or https : //www.ftc.gov to file a report 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 blocking of the erroneous information which is being posted to my report. 
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 AV XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4500.00XXXX XXXX XXXX XXXX  Balance : {$1600.00} XXXX XXXX XXXX Balance : {$7700.00} XXXX XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$12000.00} 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: Not given enough info to verify debt

XXXX pet hospital submitted an account in the amount of {$270.00} to I.C. Systems for collection. I do not own a pet nor have I ever yet this collection agency insist that I owe this debt. I have not received any correspondence from XXXX or I.C. Systems stating that I owe a debt or verification that this debt is valid i.e. paperwork, video, etc. verfying that I, XXXX XXXX, brought an animal to their facility. Please help me resolve this matter. Thank you!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX  XXXX RE : UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern : I recently discovered that your company ran an unauthorized report on me on XX/XX/XXXX. I did not authorize such an inquiry and demand that you contact XXXX XXXX immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may subject to a fine. 

If you have any questions, please contact me at the address listed below. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Complaint sub-issue: Account status incorrect

After 2 years of no resolution of USBank unwilling to remove the incorrect negative credit card account off my credit report I decided to file three separate complaints with the XXXX, FTC and Washington State Office of the Attorney General in addition I will file a complaint with the Minnesota ATG as that is where USBank is headquartered then take legal action as a last resort if the item is not removed. Attached are copies of the complaints filed with each agency. 

This complaint is for account item : US BK XXXX Account Number : XXXX
Complaint sub-issue: Attempted to collect wrong amount

The past 11 years have been filled with attempts by me to make the American Education Services aware they have a loan on file with my name and information attached that I did not sign for or agree to. I have spent 100s of hours on the phone, written letters, filed a fraud packet and still continue to have my credit with only XXXX negative mark on my report and that is AES. The was originally through XXXX. I believe they took my information from a loan application, changed the terms on the promissory note and pushed it through. I believe they then sold the loan to collect on it and AES is servicing the loan for National Collegiate Trust. I have been patient but I can no longer take the harassing phone calls, emails, letters and reports they continue to pump out in an attempt to extort money from me. I have done everything possible to make them aware of the fraudulent activity on the loan but they refuse reasonable actions. I have filed complaints with the office of the governor for the states of XXXX and XXXX. I have also contacted the AG in each state and at the federal level. I am a XXXX with limited income so hiring a lawyer is not possible. I have paid every debt I 've been attached to without fail. I have worked extremely hard to keep my file clean. I will not give in to extortion under any terms. Can you please assist in correcting this matter. I do hope you will take this statement seriously and assist in an earnest fashion. I have XXXX and XXXX so I am not ignorant about the way things work. I also grew up in XXXX and I know a scam when I see one. XXXX XXXX XXXX should be investigated for the way they handled student loans the same way they did with mortagages. AES should be investigated for ignoring client attempts to resolve the matter. National Collegiate Trust should be investigated for hiding behind AES and refusing to accept the claims of fraud I have pushed through on the loan and for failing to proved contact information as a loan owner. I have tried to locate NCT but can not find who they are or how they can be reached. PHEAA should be looked in to for ignoring complaints on a reagular basis and showing favoritism to lenders over citizens. I am extremely disappointed over the way all parties involve can push lillegal activity and never be held accountable. Their policies are in place to gain the greatest amount of money and hold attached parties in a slavery position with no remorse. All the documentation you need is in the files of AES. XXXX. NCT and XXXX.
Complaint sub-issue: Reporting company used your report improperly

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your company notice pursuant 15 USC 1602 ( k ) that your company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your company did even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( K ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such noticed may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since i was not aware of the transaction therefore made uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

I hereby request you do the below mentioned things, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  DELETE. THESE LATE PAYMENTS IN PURSUANT TO 15USC 1681a ( d ) ( 2 ) ( i ) From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term " unauthorized use '' means a use of a credit by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

I hereby request you to do the below -mentioned things, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE THESE ACCOUNT OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) If you accept my request, i will not escalate this matter to Federal Court. in case, you dont accept the above request, a legal action shall be taken against your your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely XXXX XXXX XXXX Right Reserved Without Prejudice.
Complaint sub-issue: Received bad information about your loan

In XX/XX/XXXX, the federal government moved my loan from XXXX to XXXX XXXX. Prior to this I had no trouble getting accurate info from loan servicer when it was XXXX. I sent XXXX an updated document on qualifying employment for the Public Service Loan Forgiveness Program, because that is a best practice each year and I take this very seriously. They sent me an updated summary of qualifying payments with literally dozens of errors on XX/XX/XXXX. By their inexplicable and erroneous accounting, I suddenly will not have my loan forgiven until much much later than I have actually qualified for. This is completely incorrect! I had in fact made many more qualifying payments as of XX/XX/XXXX than they said, and have continued to make them since. I immediately contacted FedLoan by phone ( twice ), which they have recorded I assume, and by email in early XXXX to request that these errors be fixed. I was told there was a long backlog and it could take 6-8 months. It has now been 7 months and 2 weeks. I messaged them on XX/XX/XXXX and got a generic " you'll hear from us soon '' response. I called again today and XXXX customer service said my recalculation request has to be done manually because there was a glitch in how the information got moved to their system last year, and no one has started this recalculation. This impacts my financial future and my career choices. Having this so ineptly handled is outrageous. Please help me.
Complaint sub-issue: Debt is not yours

Some who claims to be "XXXX XXXX(XXXX)"  calls every day.   No company name displays, he does not say who he represents.   He has my full name and phone number and refers to it as "a serious financial matter involving yourself."

Phone # that displays is XXXX.     This is a Florida number.   A friend called the number and it says it is a debt collection agency but it did not give a name.

This guy has called every week day for over two weeks.
Complaint sub-issue: Account status incorrect

My credit score has dropped significantly and I'm trying to reach out to the companies but it only looks like they're automated services that are available. Doesn't look like I have any debts or have any major negative marks on my report recent or in the past. I've had excellent credit for many years so I don't understand what changed in the last few weeks and I can't get anyone to explain it either. 

I'm trying to get the credit companies to tell me what exactly happened. 

I know recently I've been in a victim of identity theft so I'm curious if that's the reason why or something else. Either way something is clearly wrong and I can't get the credit reporting companies to help me. 

Thank you so much
Complaint sub-issue: Didn't receive enough information to verify debt

I sent a letter via certified mail to XXXX XXXX. To inform them I am disputing a debt. 
Pursuant to the FCRA & FDCPA I exercise my lawful right to question the validity of this debt. According to the FCRA section 609 ( a ) ( 1 ) ( A ) -There company is required by federal law to verify through physical verification of the original signed contract. 
I requested them to provide me with a copy of the following. 
Copies of any and all documents showing I agree to pay, what they say I owe Copies of their bond and license to collect in California A copy of the agreement authorizing them to collect debt on behalf of the original creditor An accounting statement on how they reached the amount I supposedly owe A copy of the original contract I signed with the creditor, bearing my signature and S.S. 
The name and address of the creditor Copies of copies are not validation and by law are not considered proof. 
Under the FCRA unverified, invalid accounts must be removed. They were unable to provide me with a copy of verifiable/ validated proof within 30 calendar days. My request for the account to be verified or removed was ignored. 
They are obligated by law to verify or law or remove. This is a clear case of unverified debt. I was given no evidence or obligation to pay this debt. It has a negative impact on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX, Ca, XXXX
Complaint sub-issue: Public record information inaccurate

The company is reporting multiple unverified alleged bankruptcies on my consumer report. Ive called multiple times to have them removed and they are not. They are also sharing my information with the credit bureaus in which I froze my account. The credit bureaus now have this inaccurate information which is now reporting on my credit file
Complaint sub-issue: Problem with customer service

For months I have tried to resolve issues XXXX raised about my XXXX forgiveness process, but their communications are inaccurate, confusing, and vague. Today I received a document that said I didn't qualify for XXXX ( traditional -- I knew that ), but I might qualify for XXXX. Again, I knew this. I consolidated my XXXX loans to Direct Loans as directed, and I received confirmation that my employment was approved. What more is there to do? Why more confusing communication? 

Further, the document sent today has my current employer listed with an " end date '' of XX/XX/2021, the date they received my employment information I suppose? But it clearly says in my application this is my current employer ; I am a teacher at this school. 

I know I have more than XXXX months of public service. In fact, I've never worked anywhere but the federal government or a non-profit. Why is XXXX doing this to us? This is sheer incompetence. This process should not take so long. My loans were consolidated months ago! I hope to get resolution to this process ASAP. I am feeling very strung along.
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX  score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Complaint sub-issue: Attempted to collect wrong amount

This is not a duplicate complaint : This complaint is based on information obtained from the company. I am legally entitled to file a new complaint based on inaccurate or non-existent information. 

Cashcall refuses to provide the documents that they claim verify the debt. They have conflicting statements regarding communication attempts and can not provide verification of those either. They claim the documents and loan originated from an IP address ( XXXX ) that is not in service anywhere near where I live and work. This loan has been contested over 6 years. The company claims I owe $ XXXX in one statement and then $ XXXX in another. The company claims to have made courtesy calls, that XXXX XXXX XXXX has no record of. The company claims to have forms and documents that they can not provide. 

Based on the information provided in complaint XXXX and prior complaints which is incorrect, I am filing a new claim. These are not redundant.
Complaint sub-issue: Account status incorrect

XXXX XXXX Account number XXXX, Paid before colections, paid as agreed, and current. PLEASE DELETE.