Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Need information about your loan balance or loan terms

In XX/XX/XXXX I received a response from my loan servicer that my ICR plan application was denied due to the inclusion of Parent PLUS loans in my consolidation loan. Subsequently following that I received another response, that Direct Consolidation loans made prior to XX/XX/XXXX, that included Parent PLUS loans are ineligible for IDR plans. The FSA website AT THAT TIME stated that " parent borrowers may consolidate their Direct PLUS Loans or Federal PLUS Loans into a Direct Consolidation Loan and then repay the new consolidation loan under the ICR Plan ''. 

I have a Direct PLUS Consolidation Loan from XXXX. Although requested many times ( for purposes of obtaining a repayment plan that won't bankrupt me ), I have yet to receive an explanation as to the difference between a Direct Consolidation Loan and a Direct PLUS Consolidation Loan. For the most part, the Dept of Education 's website implies Direct Consolidation loans have an advantage in applying for certain programs, yet I still don't understand the difference. A consolidation loan is a consolidation loan. 

I would like an explanation as to why the discrepancy.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX Potentially negative Date XXXX XXXX XXXX. {$590.00} written off. 
XXXX Potentially negative Date XXXX XXXX XXXX. {$190.00} written off. 
XXXX XXXX XXXX Potentially negative Date XXXX Balance {$5400.00} StatusAccount charged off. {$5700.00} written off. {$5400.00} past due as of XX/XX/XXXX. 


The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Complaint sub-issue: Reporting company used your report improperly

I DID NOT PROVIDE MY PREMISSION FOR THESE ACCOUNTS TO BE AUTHORIZED OR TO GET ADVANTAGES FROM THEM.
Complaint sub-issue: Fees charged for closing account

I have had no correspondence for this savings account since at least XXXX of XXXX. I received a letter XX/XX/XXXX stating that I owed XXXX in closing fees.I had previously had the same issue with the checking account linked to this account. That was handled to fair conclusion by the CFPB in case # XXXX. I feel this is further harassment because of the original case, as the circumstances are not only exactly the same, but the accounts were also linked and they never mentioned this during my previous complaint or correspondence. When I called the individual named on the the letter from US bank, he stated that he could only help me if I was calling to make a payment. 
Thank you XXXX
Complaint sub-issue: Personal information incorrect

XXXX has received a certified letter as well as documentation to verify my current address, full name, ssn etc. They refuse to correct the inaccurate addresses they have listed, even after receiving proof of residency from me. Remove any names other than my full name which is provided to them with my ssn card and drivers license.
Complaint sub-issue: Billing problem

I find myself in this position with this bank regularly. I feel the bank is holding the payment as long as possible. I sent out payments to multiple creditors on the same day and they have all cleared my account except this one. Its not a day or two difference its over a week and almost two. In the past the lender blamed the post office even though my other mentioned creditors are further away and not experiencing the same issues. I feel this practice is done purposely to inhibit prepayment and to keep the clock ticking on the interest until the last possible day. I feel this is an infringment on my right to prepayment without penalty and is a deliberate action of the institution. The bank is Lending Club. Their address is XXXX XXXX XXXX XXXX Texas and my account # is XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I recently filed a complaint about my credit cards and nothing was done I applied for a mortgage recently which was the end of XXXX and was denied and the credit cards were the main focus and an old delinquent charge that was bought by another company portfolio this account was open back in XXXX and so another company bought it and it's still haunting me that's not fair and I pay my bills on time.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX also known as XXXX  acct # 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 To whom it may concern : I request more explanation on said reported account. I have not received proof of ownership of this debt including signed agreements ect. I am proceeding under the Fair Credit Reporting Act law. I have the right to challenge I am not sure is accurate. Reporting things on my credit file I did not agree to have reported or have not heard of.

Under 15 U.S.C Sec. 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information.

15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer.

They also violated my rights numerous times.

According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX. Who is the credit provider for this account? 
XXXX XXXX XXXX XXXX party didnt ask could they use XXXX XXXX party did not ask could they use XXXX XXXX XXXX XXXX party did not ask could they use XXXX, XXXX party did not ask could they use XX/XX/XXXX. 
XXXX XXXX XXXX lease not mines XXXX XXXX lease not mines XXXX XXXX lease not mines XXXX XXXX XXXX XXXX lease not mines XXXX XXXX - party did not ask could they use XXXX XXXX- party did not ask could they use XXXX XXXX XXXX didnt ask for use of matters XXXX XXXX - party didnt ask could they use NONE OF THE ABOVE Nonconsential use of credit party did not ask me if I wanted them to use my identity to do any matters sai d every body does it, they all break the law, what was the comment about them using it would like same debited from their accounts.
Complaint sub-issue: Public record information inaccurate

I HAVE A BANKRUPTCY THAT IS INACCURATE. THE CREDIT BUREAUS SENT ME PAPERWORK THAT THEY VERIFIED THE BANKRUPTCY THROUGH A THIRD PARTY. 
XXXX EQUIFAX XXXX  I HAVE PAPERWORK SHOWING I HAVE A SECURITY FREEZE ON ALL OUTSIDE PARTIES THAT REPORT TO THE CREDIT BUREAUS. THEY ALSO SAY THE BANKRUPTCY WAS VERIFIED BY THE COURTS. I HAVE PROOF FROM THE COURTS THAT THEY DONT REPORT TO THE CREDIT BUREAUS. ONE THIRD PARTY IN PARTICULAR WAS XXXX AND MY FILE IS SUPPRESSED AND HOLD A SECURITY FREEZE. 



XX/XX/2020 EQUIFAX ( OBTAINED FROM LOCAL, STATE, AND FEDERAL COURTS AS VERIFIED THROUGH A THIRD PARTY VENDOR, XXXX ) XX/XX/2020 XXXX  ( VERIFIED AS ACCURATE THROUGH THE COURTS ) XX/XX/2020 XXXX ( VERIFIED ACCURATE THROUGH COURTS FROM A THIRD PARTY ) XX/XX/2020 LETTER FROM COURTS ( DO NOT REPORT TO ANY AGENCY )
Complaint sub-issue: Information belongs to someone else

I am a victim of victim of identity theft and fraud. My XXXX XXXX account was subjected to fraudulent activity, I applied for the card but never received the first card. That card was stolen from my mailbox and incurred fraudulent charges without my knowledge in XX/XX/XXXX-XX/XX/XXXX. I have in no way benefited from the account, neither did I authorize the use of my personal information. I am not able to identify a suspect. I have attached a copy of my ID to prove this. I have filed a ID Theft report and reported the matter to the authorities. Last XX/XX/XXXX, I faxed my FTC report, copies of my IDs and a letter requesting to this company that the incorrect, fraudulent, derogatory information resulted from fraud/identity theft be removed from my report and asked this company to comply with FCRA 605B, which requires credit reporting agencies and creditor to block such information resulted from Identity theft. It is already the XX/XX/XXXX and nothing has been done. Attached to this complaint is a copy of what has been sent to them last XX/XX/XXXX and what I sent them again today XX/XX/XXXX ( sent them another request and a NEW FTC report and my IDs ). I am willing to take this further and am filling up an SC-100 ( Small Claims ) to have it ready to be filed if this issue still continues and if this company will still not comply with FCRA.
Complaint sub-issue: Problem with statement of dispute

I have contacted several companies about unauthorized use of my credit report. I also, contacted Equifax and I was told by the Supervisor that Equifax does not dispute Inquiries and that there is nothing that they can do. All of these inquiries are hard inquiries that will stay on my credit for next two years. Enclosed is a copy of my Equifax entries of inquiries from my credit report with the acronym showing the length of time it will remain on my credit. I am having enough problems as it is trying to get my credit straight. I need help trying to get these inquiries off of my credit.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, And, XXXX XXXX XXXX, has Fradulent accounts on my credit profile that needs to be removed.
Complaint sub-issue: Transaction was not authorized

A full payment was made but I only wanted the regular monthly payment! I called and said I could not afford that! They refused to reverse the debit payment! So I called my bank and opened a dispute then they credited the money and only took the monthly payment out to them! Then I just received a letter I lost the dispute and it will be pulled back out on XX/XX/XXXX!
Complaint sub-issue: Was not notified of investigation status or results

I am a victim of identity theft and I believe the culprit is my ex-girlfriend and mother of my children. Our relationship was very toxic so I moved out of our home and moved in with my parents while I stabilize because I can not afford two leases and since my move it seems like she has started using my credit without my permission. I don't want her to go to jail but clearly she doesn't understand how damaging this has been to my credit. The reason I believe it is hers is because a furniture company claims that I have opened an account with them at our property but then again there is another name that was used XXXX XXXX so I am not 100 % sure none the less she does not admit to using my information but I can not explain how I have 3 repossessions on cars I did not finance and who could possibly be on the receiving end of a personal loan and furniture without my presence. I spoke with an officer XXXX in the Sheriff 's office and he advised me their department is very busy with evictions and subpoena 's and quite frankly I don't have enough information for them to make an arrest. I have notified the bureau 's but they did not respond or remove the fraudulent accounts from my credit report. Attached is a copy of my identity theft affidavit and the letters I have sent to the bureau 's.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

I recently checked my credit report and found collections inwhich I do not have any knowledge of and since then been trying to remove such information. And in accordance with the FCRA, such accounts needs to be verified by physical documentation and if not then the accounts should be removed. The following accounts are XXXX XXXX XXXX, XXXX XXXX, 3xs on my Equifax, and XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX, Equifax, and XXXX XXXX violated my rights to privacy. 

XX/XX/2022 and XX/XX/2022 XXXX XXXX reported 30 day lates on my report which was inaccurate. Ive tried reaching out to then on several occasions via mail and phone, yet they failed to provide me with verifying proof that my payments were late. I have called with my bank on the phone proving my payments were actually paid on time. 

15 USC 1681 section 604A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

This violation has caused me great grief as to my credit score.
Complaint sub-issue: Right to dispute notice not received

I sent out dispute letters for accounts on there files for validation that the account is mine including my signature. I received detailed invoices with treatments that were performed and diagnoses which is a clear violation of the HIPPAA Law, which i never signed a HIPPAA form to authorize them to have access to the information.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Discover Inquiry from XX/XX/2017During a standard review of my credit files from the three major credit reporting agencies I was dismayed to find an inquiry posted by YOUR COMPANY on XX/XX/2017 As you are probably aware, the credit reporting agencies regard inquiries as a statement of fact and will not allow a consumer to dispute them. They maintain that if the inquiry is on file then the company listed did in fact view the consumers record. 

Since it is unlawful under the Fair Credit Reporting Act for a person to view a consumer report without a permissible purpose I am writing this letter. 

I don't recall applying for credit or employment with DISCOVER From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] : Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

From the 1998 FTC opinion letter XXXX at http : //www.ftc.gov/XXXX : Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$1000.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer reporting agency from which the report is procured. 

Also from the Fair Credit Reporting Act : 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. 

Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose, please arrange for payment of {$1000.00} to the name at the address listed at the bottom of this letter. 

I look forward to hearing from you to resolve this in an expeditious and amicable manner.
Complaint sub-issue: Was not notified of investigation status or results

I have submitted information to credit reporting agencies and have not gotten any results or compliance with them.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX Account Number XXXX has violated my rights. 

XXXX XXXX XXXX Acct Number XXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX has violated my rights. 

XXXX XXXX ( Original Creditor : XXXX  ) Account Number XXXX has violated my rights. 


XXXX XXXX XXXX Account Number XXXX has violated my rights. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX has violated my rights. 


15 USC 1681 Section 602 A States I have right to privacy.

15USC Section 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without written con
sent.
Complaint sub-issue: Account information incorrect

Please see attached document and add documentation to submitted complaint for Equifax XXXX, XXXX XXXX, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I HAVE NOT GOTTEN ANY INVESTIGATION RESULTS AND THESE ACCOUNTS SHOULD BE DELETED IMMEDIATELY CONSIDERING THEY ARE REPORTING INACCURATELY WHICH IS A VIOLATION OF FCRA.
Complaint sub-issue: Trouble with how payments are handled

I am with a loan servicer for over 4 years, and I trust and like them. They are now switching me over to XXXX which is a subpar loan servicing company. I belong to many credit forums where we share credit tip and discuss products and anything credit related. This company is known for mishandling student loans, and has a XXXX star rating with the XXXX and my current loan servicer VSAC has almost a XXXX star rating. I find this to be terrible for myself and my future. I am told I have no recourse in which student loan servicer I have which makes no sense to me. I do not want my loans to be serviced by XXXX. Is there anything I can do to prevent my loans from being transferred?
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Tel : XXXX Original Creditor : XXXX XXXX Alleged amount owed {$2800.00}
Complaint sub-issue: No notice of investigation status/result

Please be advised that I mailed via USPS XXXX. Letters to " Request to provide a Method of Verification, '' for items not being reported legally on my credit report to Equifax , XXXX. XXXX XXXX, XXXX, GA XXXX on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16. Equifax only responded on XXXX/XXXX/2016 with my initial request for a copy of my credit report on XXXX/XXXX/16. 
Equifax has failed to respond to within 5 business days of my XXXX requests for the results of their investigation nor has Equifax provided me with any additional updates on my requests for their Method of Verification. 
I was diligent in documenting these events, including the lack of Equifax 's response to produce the requested documentation a mandated by federal law. I can provide the CFPB with the copies of the USPS receipts, my unanswered letters to Equifax. 
I am respectfully requesting CFPB to intervene on my behalf to resolve my disputes. I appreciate CFPB request Equifax provide us with a proper and diligent method of verification of their investigation as required by FCRA of my inaccurate items reported on Equifax 's credit reporting. Thank you for your prompt response to my request.
Complaint sub-issue: Personal information

All XXXX credit reporting agencies are reporting address that have never belonged to me or I never resided at. The only address I have stayed is is my permanent address of XXXX XXXX XXXX XXXX TX XXXX.
Complaint sub-issue: Account information incorrect

I do not owe XXXX for the mortgage on my credit. My mortgage is released ( see enclosed ). I have never been late or delinquent in any way. Please remove the item pending a thorough investigation. 

XXXX XXXX XXXX XXXX inaccurate