Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

An account with the XXXX XXXX XXXX was opened fraudulently, without my consent. I went through a year-long investigation with the XXXX XXXX XXXX after which they concluded that the account was a fraud account. I received a letter on XX/XX/2021 confirming it was a fraud account, and since then they have failed to delete the account from my credit reports. I received a second letter dated XX/XX/2021, confirming they have now sent deletion requests to the major credit bureaus. When I have tried to contest and delete these items myself, the bureaus have failed to comply despite providing copies of Police Reports, Identity Theft Affadavit, Correspondence with XXXX XXXX XXXX and the two letters from XXXX XXXX XXXX  confirming the account was fraud and that it should be deleted. Copies of these letters are enclosed.
Complaint sub-issue: Trouble with how payments are handled

My oldest son started school in 2012. At that time, we took out our first Direct Plus loan, and were assigned to Nelnet to service our loan. Since that time, I have been making monthly payments in an attempt to stay on top of my loans ( we took out a new loan every year, to help my son pay for college ). I recently discovered that Nelnet breaks up my payments each month in a way so that they only ever pay interest. Unless I specifically log in and make a manual payment every month, they will continue to do this. Even when I have logged in and made a specific payment towards a specific loan, they still apply all of the payment to the loan 's interest. The only times they have ever applied any payment to principal is when the payment was made within 120 days of the original disbursement of the loan ( which they have to do by law ). Even when payments were made within 120 days of a loan 's second disbursement, they applied it to interest instead of the loan citing that it was more than 120 days from the loan 's original disbursement date. So, even though I 've been paying on these loans for 5 years at this point, I 've hardly paid any principal off at all, as they break up every payment in such a way that it never touches the principal on any loan. I have XXXX children, and I 'd like for them all to be able to go to college, but how am I ever to get out of debt if they never apply any part of any payment I make to the principal of the loan?
Complaint sub-issue: Indicated you were committing crime by not paying debt

It is my understanding that money orders are to be regarded as cash not as checks that have to return from any 'originating bank ' for funds availability. Consequently, it remains my business intention to have said money orders returned to the United States Post Office so that they may give protection from the intent to accuse of depositing check ( s ) instead of money orders that were somehow found 'counterfeit ' after 'depositing '. Peace
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/22 I received a notification from XXXX XXXX that a new hard inquiry was submitted to my XXXX Credit Report from US Bank with a phone number of XXXX. The inquiry was dated XX/XX/22. To my knowledge I do not have any new applications for credit in process, nor have I specifically authorized US Bank to do any credit inquires. 

I called US Bank and they said they had no record of the inquiry and no accounts on file. Since I had identify fraud two years ago ( US Bank was one of the lenders ) I contact XXXX and froze my credit. They indicated that US Bank did the inquiry per Permissible Purpose ( Section 604 15 U.S.C. 1681b ) but they have no details. Is US Bank obligation to disclose what the permissible purpose is? 

I did receive a settlement check and a letter from US Bank dated XX/XX/22 for as settlement I was not aware of. See FTC vs AMG XXXX. 

It would seem odd for them to run any inquires after checks have been issued. 

Please advise.
Complaint sub-issue: Their investigation did not fix an error on your report

Creditor : XXXX XXXX XXXX XXXXXXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX  ( Original Creditor : XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account
Complaint sub-issue: Changes in terms mid-deal or after closing

I will attach a letter
Complaint sub-issue: Investigation took more than 30 days

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECIEVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATIONS RESULTS.IT HAS NOW BEEN OVER 30 DAYS AND ALSO I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT RECEIVE ANY RESPONSE. 

INTIAL DISPUTE DATE XX/XX/2021 30 DEMAND DATE XX/XX/2021
Complaint sub-issue: Information belongs to someone else

I called EQUIFAX on XX/XX/2022 at XXXXam to report inaccurate information from alleged creditor name by XXXX XXXX XXXX XXXX The alleged creditor XXXX XXXX XXXX is a third- party collector which is a violation of 18 U.S.C. 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EQUIFAX permission to take my information. 

EQUIFAX have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXXXXXX XXXX XXXXXXXX. EQUIFAX has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EQUIFAX claims on my credit file. 

Furthermore EQUIFAX has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EQUIFAX is in violation because I was not given any type of these reports in this investigation. 

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.
Complaint sub-issue: Problem when attempting to purchase vehicle at the end of the lease

This communication is in reference to the lack of response after three letters Ive sent in order to address the egregious actions undertaken by the car manufacturer financing company, during which they took possession of the vehicle by breaching the peace of my home in the middle of a global pandemic, after I had paid on time and in full all 36 payments agreed upon in the lease contract.

The country is under a National Emergency due the to the COVID19 pandemic which has impacted the entire United States, and is now the worst impacted country in the world. There is a mandatory lockdown in my state of Florida and weve been virtually told to stay home to prevent from spreading or catching this coronavirus for weeks now. 
Moreover, the US government has been trying to help those of us that have been impacted by this catastrophe that has left us without the possibility to work and earn our wages. 
Nevertheless, the car company has a financial arm that found nothing better than leaving me without transportation during these critical times and as though that were not enough, its also attempting to pass a liability of $ XXXX to me in these extreme economic circumstances, despite the fact that I paid for the lease contract in FULL by continuing to refuse to work with me in order to purchase the vehicle. 
Please help me address these issues once and for all so that I can resolve this matter amicably, rather than through the legal court system.
Complaint sub-issue: Frequent or repeated calls

After a repeated string of calls over the past few months, especially since COVID. on XX/XX/2020 GreenSky decided to call me 6 times in 4 hours, once 10 minutes apart at XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. 

I understand this is a debt I owe and plan on paying when I can get back on my feet, repeated calls aren't the answer and won't get me to pay sooner.
Complaint sub-issue: Information is missing that should be on the report

Equifax please remove this account XXXX from my credit file discover is still in violation for failure to enter who has the account see there statement below the law is very very clear! I dont care if you received it back from there or stick it up your rear end you are still in violation and you need to remove this from all four reporting agencies seriously the law is very very clear. 

Company 's Response XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re :  XXXX XXXX ending in XXXX Consumer Financial Protection Bureau Case Number : XXXX, XXXX, XXXX, XXXX and XXXX Dear XXXX XXXX : We are in receipt of recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are efficiently addressed, your inquiry has been referred to my attention within the Executive Office of Customer Advocacy at XXXX. We appreciate you bringing your concerns to our attention. Our records reflect that your account was previously placed with XXXX XXXX XXXX, for further collection attempts on our behalf. We note that you included a letter dated XX/XX/XXXX from XXXX XXXX XXXX  within your CFPB correspondence, indicating that the account was returned back to XXXX. We have contacted XXXX XXXX XXXX  and have confirmed that the account was still placed with them ; however, it will be recalled and placed back with XXXX, as of the date of this letter. Please contact XXXX at XXXX if you would like to discuss repayment. Our records indicate that a Cease and Desist was placed on your account on XX/XX/XXXX per your request. We have confirmed that your account is reporting accurately to the credit reporting agencies. We are unable to honor you request to remove the tradeline as it is an accurate representation of what occurred. We are required to report accurate information to the credit reporting agencies. The credit reporting agencies we report to are : XXXX XXXX Equifax XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX PA XXXX XXXX GA XXXX XXXX TX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX Additionally, regarding your concerns of the dispute flag reporting for the above referenced account ; we have responded several times previously and our position remains unchanged. When updates are sent to the credit reporting agencies, the information shown is the most current information updated. In this instance, the latest dispute flag is updated and does not reflect the initial dispute flag previously reported for your account. Please understand that this matter is final and we may not respond in the future, regarding this matter. Thank you for allowing me the opportunity to be of service. Should you have any questions or concerns, please contact me at ( XXXX ) XXXX, Monday through Friday, from XXXX XXXX to XXXX XXXX, ET. Sincerely, XXXX XXXX Executive Office of Customer Advocacy CC : CFPB
Complaint sub-issue: Billing dispute for services

In XXXX of this year, I was the victim of identity theft. Fortunately, I was able to catch it fairly quick and the fraudster was only able to open up XXXX  accounts- a credit card and a personal loan. I was able to very easily work with the credit card company to dispute the account and it was closed in a fast and efficient manner. I filed a police report with XXXX XXXX Police Department at the time of the event. 

A few weeks later, I noticed the personal loan and immediately got in touch with Dignifi. I was told they would be unable to do anything until I provided a police report. I attempted to work with them on other options in the meantime to ensure they didn't report this as fraud to XXXX and the other credit agencies. I was told they are unable to do that and they would not take action until they had a police report that said Dignif on it. I was also told that if I provided a police report case number they could work with XXXX directly to take care of it. 

I went back to the police station, added dignfi to my complaint, and request a copy of the report. XXXX is fairly backed up and I still have not gotten the report. I tried emailing Dignifi to work through next steps and gave them the case number. I have sent XXXX unanswered emails since XX/XX/XXXX. 

In the meantime, they have called me to try and get a payment on the loan and have also attempted via the mail. 

Additionally, when XXXX reached out about my dispute, Dignifi reported it as legitimate. 

On top of all of this, I asked Dignifi when I was on the phone what kind of XXXX  they conduct and they told me they do not require a copy of an ID to get a loan which I found disturbing. 

Overall, the customer support has been terrible and they still have not resolved this.
Complaint sub-issue: Information is not mine

I am requesting with this notice that the following account be DELETED from my credit report. XXXX ( NOT MINE ) this is a result of ID THEFT and is causing me financial distress because of their derogatory information. Appropriately, I can show a judge at XXXX XXXX OHIO that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items correctly. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, how it was done with who with contacts actions I will file a civil suit in XXXX XXXX Against XXXX if no results for damages. I take my credit very seriously and your lack of proficiency and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I stand by the right to sue your credit bureau for violations of the FCRA and I believe I can prove to full extent, that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process further. I am irritated at your indictment and I have consulted with the court my rights in regards to my credit file. I look forward to your expediting my original request immediately. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. This is NOT a request for " legalization '' via E or evidence of my mailing address ect, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number and correct XXXX accordance with section, of the Fair Debt Collection Practices Act. Or I request this be Deleted with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization. 
Consent to publish the description of what happened? Consent provided
Complaint sub-issue: Threatened or suggested your credit would be damaged

hello, i sent a validation letter to iq data an to all three credit bureau. i never got a validation letter from the debt collector to say what i owe an documentation, then the credit bureau said they validated it. how can that be when the debt collector cant even validate the debt. then i looked at my report an i see outrageous interest charges. it went from XXXX to XXXX an the interest charges keep going up an down every month. i know that's against the law. an on my credit report it says there an attorneys. this company has broken lot of fcc laws an keeps breaking them when reporting false info on my credit report. how do you send a validation letter to a XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

To Whom it May Concern, According to my most recent credit report, the below company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 



The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 



Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 



Thank you XXXX XXXX
Complaint sub-issue: Account status incorrect

In XX/XX/XXXX a car I had financed with TXXXX XXXX  was totalled. The car was fully insured by XXXX XXXX and XXXX was named as an additional insured. I have comprehensive coverage and XXXX XXXX took full responsibility to pay XXXX XXXXess a {$500.00} deductible. On XX/XX/XXXX, while the paperwork to get XXXX  paid was being processed by XXXX XXXX I filed a Chapter XXXX petition because of a judgments against one of my companies. All the creditors were paid in full and the Judge dismissed the bankruptcy because there was no creditor or debt over which the court could take jurisdiction. XXXX  was fully paid by XXXX XXXX but they still filed a credit report that said " Status-Petition for Chapter XXXX Bankruptcy. '' XXXX  XXXX has some overzealous lawyers who get paid if tha prosecute a bankruptcy case and these lawyers filed a claim in the bankruptcy case and held up the payment to XXXX from XXXX XXXX. The Chapter XXXX Bankruptcy impacted XXXX getting fully paid for a {$28000.00} car loan in no way at all and the status of the XXXX loan should not refer to the Chapter XXXX Bankruptcy which was dismissed and never was adjudicated. Dennis v. BEH-1, LLC, 504 F.3d 892, 2007 U.S. App. LEXIS 22690 ( 9th Cir. 2007 ), reh'g denied, reh'g, en banc, denied, amended, 520 F.3d 1066, 2008 U.S. App. LEXIS 6291 ( 9th Cir. 2008 ), reprinted, 520 F.3d 1066, 2008 U.S. App. LEXIS 6290 ( 9th Cir. 2008 ) where the court ruled " Federal Law forbids the reporting of a dismissed case. see Defendant credit reporting agencys reinvestigation of alleged error in plaintiff debtors credit report, which overlooked dismissal of unlawful detainer case against debtor and misinterpreted written stipulation between debtor and his landlord that no judgment would be entered against debtor in unlawful detainer action so long as debtor complied with payment schedule, fell short of reasonable diligence standard.
Complaint sub-issue: Account information incorrect

I have sent MULTIPLE disputes trying to resolve the inaccurate information being reported! They are PURPOSELY reporting wrong names, addresses, incorrect information that is RUINING my credit report. Below are the dates i've tried to resolve this issue : XX/XX/22 XX/XX/22 XX/XX/22 XXXX
Complaint sub-issue: Problem with direct deposit

My name is  XXXX   XXXX . DOB  XXXX  ;  SSN   XXXX . I 've been diagnosed with   XXXX    XXXX  on  XXXX   XXXX ,  XXXX , and have been an SSI recipient all my adult life.     My mother,  XXXX   XXXX   XXXX , DOB  XXXX  ; SSN  XXXX , has been my rep-payee until I got married to  XXXX  on  XXXX / XXXX / XXXX , and she used to own accounts under my name, in effect stealing my SSI funds.  XXXX  got me a TRO against her, which later got dismissed.     I went to SSA on  XXXX   XXXX   XXXX   XXXX ,  XXXX , OR  XXXX , and  XXXX   XXXX  got me a   XXXX   XXXX    XXXX , #  XXXX   XXXX   XXXX   XXXX , expiry date  XXXX .  XXXX  got ahold of it and stole my SSI deposit on  XXXX / XXXX / XXXX . I had to call for a replacement card.     When I called Direct Express to change my address to my current one in  XXXX , WA, I was told to fax  XXXX  pieces of ID to  XXXX   XXXX . Then I was told that they could n't read it at all. All of the sudden they cleared the account but did NOT update my address.     On  XXXX   XXXX ,  XXXX ,  XXXX   XXXX  stole {$620.00} out of my {$660.00} SSI direct deposit, again. When I called DE they were rude to me, especially a customer service rep named  XXXX , and hung up the phone on me when I requested to update my phone number and mailing address.
Complaint sub-issue: Information belongs to someone else

The XXXX XXXX account that is reporting on my credit file does not belong to me. I have disputed this account with the credit agencies and the account was removed from all of the bureaus except for Equifax. Please assist me in getting this account removed from my credit file.
Complaint sub-issue: Problem with personal statement of dispute

VW Credit made it impossible to make timely payments without the use of direct bank withdrawals by insisting on alternative primitive methods via XXXX XXXX and XXXX that often times don't work and charge exorbitant processing fees and delays. VW Credit received timely payments for 18 months and they cost me recent denial of credit by financial institutions. I was threaten by customer service of repossession in order to intimidate.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 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. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX XXXX XXXXXXXX