Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

Hey i have a problem. My account keeps having these loans on my account that I didnt take out and the times and dates they said I did is inaccurate. Its been more than 7 yrs and this XXXX is still on my report and I am requesting these student loans to come off my credit. I will keep writing letters and sending messages and emails and reaching out to the fbi and making a police report. I just want to be able to handle this responsibility. Thanks you
Complaint sub-issue: Trouble with how payments are handled

I believe my consolidation loans have been manipulated to the benefit of the banks by approximately {$20000.00} over the life of the loan, contrary to what I would have agreed to. 
I consolidated my loans XX/XX/XXXX. Originally serviced by XXXX XXXX XXXX, now Great Lakes. I honestly do n't know what the exact terms of the loan were at the time, I am trying to obtain documents but keep getting denied. I 'm guessing I would have set-up a 15 maybe 20 year loan. I started paying as soon as I could, I always paid as much if not more than they asked of me, but what I did n't realize is that I was barely covering interest each month : from XX/XX/XXXX - XX/XX/XXXX an average of about {$65.00} towards principal vs {$300.00} interest. Using the interest rate and the payments I was being charged the duration of the loan would have been over 27 years. When Great Lakes bought the loan in XX/XX/XXXX they did n't change anything and in fact the first XXXX payments had a grand total of {$22.00} applied towards interest. XX/XX/XXXX I had a late payment ( my wife forgot to pay ) and at that point someone from Great Lakes contacted me and told me that my loan " would n't ever get paid off at that rate. '' I was just so shocked I said yes, change it and even made double payment the following month. At that point they structured the loan right at 20 years. This leads me to think that my original agreement would have been at 20 years. 
So, more than 5 years into the loan I 've only paid down the principal by {$4300.00} ( excluding {$800.00} in extra payments I 've made since XX/XX/XXXX ). A simple loan calculator shows that a 20 year loan with these interest rates and no extra payments should have {$9700.00} of principal paid. Seems like this situation should be illegal ... I would n't have agreed to it and Great Lakes would have continued to benefit at my expense had I not decided to double check their work.
Complaint sub-issue: Was not notified of investigation status or results

After sending information to verify myself with my disputes by means of a Credit Repair Organization XX/XX/2019, Equifax has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX never late XXXX XXXX never late XXXX XXXX not mine XXXX  XXXX XXXX XXXX XXXX {$1200.00} not mine
Complaint sub-issue: Problem during payment process

XX/XX/2020 I've had my Best Buy credit card for over 7 years, and I have always paid the bill on time. On XX/XX/XXXX I went online to pay my bill and the website was having issues. I tried call them on a few occasions to pay my bill and was told to call back because the high amount of calls received. Due to the COVID 19 pandemic we are told to stay home, and Best Buy was not allowing people in there store. At that time I only owe {$1.00} to Best for my card payment but I was unable to get my payment to them. I finally go through but it was pass the due date. My credit limit was {$4000.00} and was drop to {$500.00}, which has cause my credit score to drop. Best Buy was able to update date my payment and remove late fees, but when I reached out to Citibank ( Best Buy ) to instate my credit to XXXX, they said I should have made a better attempt to pay and that they can't do nothing to restate my previous credit limit.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX XXXX XXXX provided statements, but no signed contract between XXXX XXXX XXXX and XXXX XXXX giving authorization to report on my consumer report. Requesting that this company be removed from my consumer report immediately.
Complaint sub-issue: Account terms

i have faxed proof for payment. on accounts. XXXX account goes back as far as 2011 paid. still showing not paid late. i have documents to mail of fax to you .please help this is not fair.
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/2018 I mailed a request for my credit report with id info to Equifax. I have not received a report as of today ...
Complaint sub-issue: Debt was result of identity theft

I called the XXXX credit card company immediately when I found out that a credit card was issued in my name. I told them it was identity theft/ fraud which they told me they wrote down and would take care of it since it wasn't me. They said they would get rid of the card and I would not be liable cause it was fraud/identity theft. I did this about 2 months ago. They told me not to worry and that the credit card with {$5100.00} would go away cause it is fraud. I was shocked to see that they sent it to collections and on my credit reports as I had already taken care of the situation with them. They told me they reported it as fraud and I was to no longer worry about it.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I was unaware of an account opened in my name. Im a victim of the equifax breach as well as identity theft. Ive disputed it with all 3 credit reporting agencies and its coming back as a charge off? The only way to contact this debt collector is a P.O. Box. Recently  I found out it was a XXXX XXXX card that was opened in XXXX of 2018. I asked for proof of the account and how it was opened in my name and didnt receive anything on that other than this company verified it was me that opened it some how. I dont know where it came from and I dont have an explanation of that either. I never received mail, a phone call, or anything from this company how was I supposed to know about this? I noticed it XXXX of this year on my credit reports and now it looks like it reported 4 charge offs on this amount of less than {$500.00}. Ive asked for proof of everything and nothing is getting done, its making it worse.
Complaint sub-issue: Right to dispute notice not received

Enhanced Recovery Company , LLC, XXXX XXXX XXXX, XXXX, FL XXXX. On XXXX XXXX, 2015 the said collector sent me a notice of some alleged XXXX-year old debt of {$97.00} from XXXX. On XXXX XXXX, 2015 I responded with a dispute letter. The collector in question has never responded to me with the required by federal law verification of my alleged debt after my dispute. Instead, they just went ahead and filed a damaging report of this " debt in collection '' with credit bureaus. I wonder do we still live in a country whose citizens must abide by law and why some people think they are immune from so blatantly braking the law?
Complaint sub-issue: Account information incorrect

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : 1. XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2021
Complaint sub-issue: Problem with personal statement of dispute

I paid them back with my taxes 2020
Complaint sub-issue: Account status

XXXX XXXX XXXX XXXX XXXX is reporting wrong information to my credit report. XXXX XXXX XXXX XXXX XXXX needs to delete the wrong information on my credit report.
Complaint sub-issue: Threatened to sue on too old debt

IC systems along with XXXX XXXX XXXX are threatening a court action on a debt that is from 2001. It is from a XXXX account that IC Systems have just recently put on my credit report as a new debt. They have started to call several times daily from different parts of the country and with threatening phone calls to take me to court. I believe through research that this is a scam on old debts that have been deleted. I want this off of my credit report along with them being told to stop harassing me. 

Thank you in advance.
Complaint sub-issue: Problem getting your free annual credit report

Equifax is a ridiculous company. They wouldn't let me have my own credit report. I tried everything- calling, online, sent them copies of SS and DL. They are simply hijackers with our own information. How this is legal?
Complaint sub-issue: Account information incorrect

U.S. DEPARTMENT OF EDUCATION XXXX .... Balance : {$760.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to XXXX or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account.
Complaint sub-issue: Account information incorrect

I have been disputing this debt since 2019. I have contacted the collections agency and as others debt was paid prior to it being sent or sold to their agency and that they should contact the leasing office to validate payment. XXXX XXXX refused and continued to informs me via by phone that the {$1000.00} debt was still owed. I have disputed this matter by mail email and online with return collections notices and false validated correspondence. This active collections has cost me job opportunities, missed work opportunities to relocate due to not being able to secure an apartment due to not only the collections being open and active but also showing an outstanding balance for rental. I have been denied for multiple apartments, townhomes and condos due to this erroneous report to both my credit profile and rental history. Ive also been forced to pay an influx of non refundable security deposits due to this reporting by XXXX XXXX. Ive lost reputations faced humiliation and judgment. The attached information you will see the most recent collections notice following numerous pages of false validation. Also attached is a letter from the initial debtor that the {$4300.00} was paid in full days before being sent to XXXX XXXX. Also fact, XXXX XXXX never provided me with a letter 5 days prior to reporting this erroneous information to my credit profile. Had they complied by law and sent me a 5 day notice I would have provided the inclosed proof that this matter was satisfied in full. XXXX XXXX is in full violation of my rights as a consumer under the law section 15 U.S. Code 1692e. Verbal communication XXXX XXXX has use many stall tactics and numerous threatening claims of legal action against me.
Complaint sub-issue: Not given enough info to verify debt

XXXX garnished my wages from XX/XX/XXXX to XX/XX/XXXX of this year. In XX/XX/XXXX, I asked this company to verify the debt and they sent me a letter on XX/XX/XXXX stating they were unable to do so, and that collection was removed. In XX/XX/XXXX I received a garnishment notice from this company for the same debt. I sent a certified letter XX/XX/XXXX requesting debt verification, on XX/XX/XXXX they sent me a copy of a judgment which is not what I asked for. I requested the name of the original creditor, or company, what it was for, copies of any information or signed documents, ect. They failed to provide me with any information that I requested and violated my rights. XX/XX/XXXX I sent the same letter to their attorney via certified mail, she refused to sign for it. XX/XX/XXXX, I sent another letter certified mail tell the Credit Collections Bureau that since they failed to verify the debt they must cist and desist all garnishment until they are able to do so, they never responded and they did continue to garnish XXXX until XX/XX/XXXX. This caused me great hardship. I was unable to pay bills, or rent due to this and was charged many late fees which caused my finance situation to become ever worse.
Complaint sub-issue: Investigation took more than 30 days

I submitted a dispute letter because their was inaccurate information reporting on my credit on XX/XX/2020. I then sent out another certified letter due to the bureau 's failure to respond to my dispute on XX/XX/2020. I still haven't received a response and it is well over the 30 days allowed for re-investigation. It has now been over 60 days, This is a direct violation of my rights given by the laws in the fair credit reporting act.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.

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 furnishes an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

i am a victim of identity theft, the information that i have right now posted on my credit report is not correct. 
i need to fix this information cause i think somebody use my information to do froud actions, pursuant to section 605b of the faircredit reporting act and i send all the inf required.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

They continue to call about a {$790.00} bill that I 'm unaware of. In XXXX I was still a kid, how could I have an open cell phone account?
Complaint sub-issue: Threatened or suggested your credit would be damaged

DISCOVER has violated my consumer protected rights. 
I, fully insured individual having extended an interest in my personal security as federal eligible obligation and right to credit was mistreated and harassed by the assignee DISCOVER and their deceptive, abusive and unfair practices.

I have sent dispute notices to DISCOVER regarding their alleged requirement to report to third parties with consumer consent and DISCOVER has responded by changing dates generic letters as responses. DISCOVER has disgraced me the consumer deliberately in violation of my consumer right of privacy, confidentiality in their refusal of exclusions of transactions or experiences via consumer reports furnished as defined under Fair Credit Reporting Act.

I spoke with account manager XXXX XXXX XXXX XXXX who alleged that the consumer had no right of privacy where third parties were concerned and DISCOVER could take consumer information and furnish it to whoever them wished. I demanded to speak to her Supervisor XXXX account managers on XX/XX/22, who after much effort to clarify the liability of DISCOVER failure to comply with STATE and FEDERAL laws that DISCOVER in effect has accepted liability and incurred itself a deficit of civil liability. XXXX stated he would escalate my complaint to executives regarding the asserted violation my right of privacy and confidentiality, in their willful dishonor of my cease communication via medium of credit reporting agencies as unauthorized publication of likeness pursing protection of State consumer protection laws as otherwise misappropriation of trade mark of collusion via invasion of privacy. 

DISCOVER has also misrepresented the term Bureau as defined under FCRA in their letter to deceptively assume to role as credit reporting agency themselves.

DISCOVER continues to evade respond genuinely regarding the injuries they have inflicted against me the consumer.

DISCOVER has engaged in illegal acts that has in effect voided the agreement. 

SEE ATTACHED CEASE AND DESIST NOTICE
Complaint sub-issue: Don't agree with fees charged

XXXX XXXX, XXXX Dear Consumer Financial Protection Bureau, I have XXXX loans with PHEAA and have paid $ XXXX monthly for 8 months ( since XXXX XXXX XXXX as part of the PHEAA Defaulted Student Loan Rehabilitation Agreement. 

PHEAA stated in the Student Loan Agreement Letter that they would not charge me more than 16 % interest in the PHEAA Defaulted Student Loan Rehabilitation Agreement ( please see Bullet XXXX attached ). 

However, PHEAA has continually been charging me 18.5 % interest or more on all XXXX loans. 

I have sent PHEAA emails and letters showing this 18.5 % error and calculating the correction, yet PHEAA has never contacted me, addressed my letters, nor corrected their mistake in applying excessive interest towards my XXXX rehabilitated loans. 

I write to resolve this situation and correct the Loan Interest to the agreed 16 % or have PHEAA delete the interest due altogether. 

Thank you for your extraordinary work. 

Respectfully, XXXX XXXX cc : XXXX Colorado
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted their customer service 3 times previous about removing ALL the unauthorized inquiries and they would not help and take care of the negative inquiries reporting to my credit report.
Complaint sub-issue: Account information incorrect

MY FEDERAL STUDENT LOANS WERE FORGIVEN IN XXXX OF 2022. THEY ARE STILL CURRENTLY REPORTING ON MY TRADELINES AS BEING OPEN AND UNPAID. I AM REQUESTING HELP THAT FEDLOAN SERVICING REPORT MY BALANCES AS PAID IN FULL AS THEY ARE NO REPORTING ACCURATELY.
Complaint sub-issue: Information belongs to someone else

The name of the fraudulent financial institution is XXXX XXXX XXXXXXXX XXXX This fraudulent account was opened by somebody else on XX/XX/2021 in the amount of {$10000.00} This account is a fraudulent account and I have filed a complaint to the federal trade commission center. Ive sent paperwork and all necessary docs to all 3 credit agencies. From the 3 agencies only EQUIFAX has taken NOT removed this account. Please delete this fraudulent account.
Complaint sub-issue: Problem with statement of dispute

XXXX XXXX, 2015, I sent Equifax a certified letter, disputing the XXXX XXXX XXXX # XXXX account. I have disputed this account information as inaccurate with them, and Equifax have come back to me and stated they were able to verify this debt as belonging to me. I wanted to know, How is that possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify this is my debt. I sent Equifax copies of the XXXX letters mailed signature certified along with receipts to this collection agency, asking them to validate this debt as belonging to me. XXXX XXXX XXXX have refused my certified letters and had them returned to me unanswered. 
This is a clear case of unverified debt here, and I requested Equifax to remove this item from my credit report. They have refuse to do this. Equifax is the ONLY credit bureau who is reporting this negative information that is causing me to be depress and keeping me from purchasing a much needed car to get me to work and school.
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 need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$240.00} ; XXXX  XXXX Balance : {$29000.00}
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
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: Their investigation did not fix an error on your report

I have been fighting with several credit reporting agencies and XXXX about my credit report. I filed chapter XXXX and included them and even though I have supplied ALL documents needed to show they were included and DISCHARGE, they continue to report. They even went so far as to SELL the bad debt to XXXX, who ALSO is trying to collect on the SAME student loan and is ALSO reporting to my credit bad/late payments. 

SO ... when then I find out that this is NOT the first time, they have violated CFPB laws. I have been complaining and NO ONE listens to me .... but this says it ALL! 

Student loan servicer XXXX illegally deceived borrowers, judge finds Last Updated : XX/XX/XXXX at XXXX XXXX. ET First Published : XX/XX/XXXX at XXXXXXXX XXXX. ET By XXXX XXXX 3 Borrowers and their parents and grandparents were among those who suffered when XXXX violated a state consumer protection law, the court ruled. 

https : XXXX Comes as no surprise to me, but maybe NOW someone will take me seriously. 

ALSO, even if NO ONE believe me, how is XXXX or XXXX  being allowed to report LATE PAYMENTS or COLLECTIONS on a FEDERAL STUDENT LOAN, given COVID?? 

THIS VIOLATES the Cornavirus and Forbearance Student Aid that took effect XX/XX/XXXX and is STILL in effect until XXXX, XXXX. WHICH MEANS, THEY CAN NOT REPORT LATE/COLLECTION to my report. 

I WANT ALL THE LATE/COLLECTIONS FROM XXXX AND XXXX  REMOVED.