Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Fraudulent loan

In XXXX 2004, I arrived at XXXX XXXX as a new incoming freshman. As part of our orientation, we were herded into a meeting with Key Bank and financial aid to sign master promissory notes. It was presented to us as being perfectly normal, and my father ( who is the responsible party here, I was XXXX at the time ) took them at their word as well. <P/>Following this first semeester, I was later told by financial aid that there was no point in even filing a FAFSA, as my father 's income ( in excess of $ 120k ) basically disqualified me from any aid at all anyway. This unfortunately included federal loans, so all of my expenses were instead put on private loans from Key. <P/>After my second year, this suddenly stopped. I was refused additional loans, and I later learned that Key Bank was selling off my existing debt and may be folding entirely. I instead had to get private loans through XXXX XXXX, now serviced by XXXX. The original Key Loans are now handled by XXXX XXXX, while my scattered federal loans ( regained near the end of my XXXX and also accumulated during XXXX XXXX ) were consolidated and now serviced by XXXX. <P/>
Now here 's my problem : Each of these three loan servicers basically says, " You can reasonably afford this much payment. '' And they 're correct. However, all three of them say this, and all three do not care that I am basically being asked to pay 3x what they all agree is reasonable. <P/>This is directly due to two factors which I wish to lodge a complaint about : 1 ) I was presented with no options as an incoming freshman. I was not appropriately counseled by the financial aid office, and my guardian responsible for me neglected his responsibility to diligently follow up on this. By the time I was no longer a dependent and learned to handle these matters for myself, it was too late. Everything was already in motion and even correcting the problem ( borrowing correctly moving forward ) led to this final configuration. <P/>2 ) Due to the disgustingly protective rules governing student loans, I seemingly have no rights to manage this debt. I 'm not even asking that the debt be erased due to the incredibly shady way Key Bank secured the business of a good chunk of my incoming class ( I can only assume they paid for the privilege of being present during orientation to prey on the new, unaware students and parents ... ),  though that would be really nice. I just want to be able to consolidate this debt with my federal loans to get them into a single account with a single servicer with a reasonable interest rate. I WANT to pay this debt back, but I need the tools to manage it, afforded to every other class of debt, but to which student loans seem to be the sole exception.
Complaint sub-issue: Account status incorrect

In accordance with the Fair Credit Reporting act XXXX 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: Information belongs to someone else

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX {$660.00}
Complaint sub-issue: Information belongs to someone else

SS # : XXXX My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX Ga XXXX My only employer is XXXX XXXX XXXX There may be individuals that have the same as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. 
Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed. 

Sincerely, XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

i see there is a XXXX XXXX credit card opened on XX/XX/2019 and closed later the following year while leaving a balance and late payments i am unaware of this account and asked that it be verified it has been while over 90 days still no response OTDA REPORTING AS A CHARGE OFF
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hard inquiry in my report, I dont recognize. the company name is FLAGSHIP
Complaint sub-issue: Problem during payment process

I paid my bill using my routing and account number and it was accepted then the company said that they could not process my payment and I put in the correct information and then they proceeded to charge me fees fraudulently stating that my payment was late. My payment was not late and the funds were 100 % available in my checking account. 
I am currently on XXXX  and was XXXX XXXX XXXX XXXX  on XX/XX/XXXX. I am in the process of applying for long term XXXX and I am recovering from a XXXX XXXX and XXXX  and XXXX. This fee is completely fraudulently as my account had the money in it to cover the payment made with the correct checking account number and routing number. This company is lying and trying to charge excessive fees without reason.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX  Reported to the credit bureau Equifax that my account was closed and deleted from my credit report Equifax will not update credit report even after sinning documentation that it is paid and should be deleted
Complaint sub-issue: Their investigation did not fix an error on your report

Please accept this letter as my formal written request for the following items on my credit report to be investigated. 

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice.

I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

The credit bureaus stated my account was properly investigation but how is that possible if there are several inaccuracies including last active dates, last reported dates, high balances and payment histories. This is grounds for removal. They also violated my rights under these laws : 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.

Attached below is a copy of my drivers license and social security card as well as a copy of my tri-report credit report identifying incorrect discrepancies via highlighted sections.
Complaint sub-issue: Problem with personal statement of dispute

Ever since XXXX Ive been disputing this account. My last dispute was sent back as Updated/Verified on XX/XX/2020 but they have failed to have a method of verification that this debt is indeed mine. This debt is only reporting in XXXX.
Complaint sub-issue: Investigation took more than 30 days

I sent out a 2 letter To Verify The Accuracy On my Credit Report. It's been way over 30 days in I don't have a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be block and remove. They were unable to provide me with a copy of the documentation as proof so i want it removed.

Also under 15 us code 1681 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Complaint sub-issue: Was not notified of investigation status or results

I sent all three credit bureaus a letter about my credit report on XXXX XXXX. I have not got any results. please look the letters. I've been trying really hard to pay my bills on time to get my score up but I believe my report was misused. please take a look
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

Spontaneously, an email was sent stating there would be a decrease in credit line for inaccurate reasons. Upon reviewing credit report and credit score ( as credit has been frozen since beginning of year ), information provided by the credit card company is again, inaccurate. 
I have had an account with said, credit card company, for many years. Maintaining bill payment and well standing account. All accounts on credit report have some of the lowest balances currently, than before. 
It seems the credit card company are not honoring their ethical standard but compromising or punishing consumers for paying bill on time, etc. 
The should be reviewed and credit line on account should be reinstated, as I am disputing all inaccurate information and standing as advocate for this biased handling of account.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/2016 I set up an account with Citibank to store XXXX XXXX XXXX security deposit of {$1900.00}. I left this account alone until on XXXX I was trying to access this deposit to return to XXXX XXXX I found that the account had been closed and Citibank could not provide any record of what happened to the money that had been in the account. I requested that I be compensated for the missing funds and that I be provided an explanation of what happened. I had multiple conversations with banking associates and the bank manager who over the course of 8 months insisted that they were escalating the manner for a new level of inquiry. After this " thorough '' investigation I received a letter that the account was closed by Citibank ( without my permission ) when there was an overdraft of {$38.00}. I did not receive any information on the source of this overdraft or any information on what happened to the {$1900.00} security deposit that belonged to XXXX XXXX. It feels like Citibank is hoping that I will give up and forget about this lost account. this leaves me little choice but to pursue legal representation and lodge this formal complaint.
Complaint sub-issue: Problem lowering your monthly payments

American Education Services ( AES ) has been servicing my student debt ever since XX/XX/2007, for a total debt of {$110000.00}. 

In that time period, I have paid over {$77000.00}, but only have seen my principal drop by {$8100.00}. 

During this time, I have had some difficulties making payments due to job loss and other mitigating factors that have forced me to enter forbearance in a few occasions. A few times, I paid late fees ( totaling {$610.00} ). 

As of today, my total balance is now {$110000.00}, a full {$8000.00} higher than 11 years ago, despite paying {$77000.00} toward my debt. 

At this rate, I do not understand how I can pay my student debt ever. It is not clear to me how this could happen and why I owe more than I owed 11 years ago.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX all FTC violations freedom mortgage XXXX XXXX XXXX XXXX XXXX XXXX  violations : FTC : Not mine Fair DEBT : LAW saids you can not use unfair practices to collect a debt FCRA : inaccurate information case on the company have violated the law previously will enclose all the violations : FTC Sues Subprime Credit Card Marketing Company and Debt Collector for Deceptive Credit Card Marketing XX/XX/2008 FOR RELEASE TAGS : Consumer Protection The Federal Trade Commission today announced the filing of a lawsuit charging XXXX XXXX and its wholly-owned debt collection subsidiary, XXXX XXXX XXXX XXXX XXXX, with deceptive marketing practices in selling credit cards to consumers in the subprime market. 

The FTCs complaint charges both defendants with violations of the FTC Act and XXXX XXXX with violations of the Fair Debt Collection Practices Act ( FDCPA ). Todays action is the result of a coordinated investigation of the defendants marketing practices by the FTC and the Federal Deposit Insurance Corporation. In a related action, the FDIC has issued notice of administrative charges against XXXX and two banks that issued credit cards marketed by XXXX
Complaint sub-issue: Information belongs to someone else

FCRA violations not mine see the Ftc : Afni AFNI Reported balance {$1400.00} Check if I should dispute Dismiss this action
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a dispute with Equifax in regards to Tax lien # Lien Filed XXXX ; XXXX County Superior Court ; Case or ID # XXXX ; Amount {$890.00}. Equifax advised me that they received information from third party provider XXXX XXXX that this information was correct and to dispute item with them. I disputed this Tax lien XXXX with XXXX XXXX and received notification that they removed the item from their system. I then refiled my dispute with Equifax to advise them that XXXX XXXX removed the item from their system and for Equifax to remove it from their system. Equifax sent me results of their investigation stating that XXXX XXXX showed the information was accurate. I have a copy of the letter from XXXX XXXX stating that they deleted this item. Equifax obviously did not reinvestigate thsi because they did not update the status and remove this item from my credit report. Please make Equifax remove Tax lien from credit report due to XXXX XXXX removing it from their database.
Complaint sub-issue: Account status

EQUIFAX is reporting that I was 30 days late in XX/XX/2017 and I was not late what so ever. I 've dealt directly with equifax on this and nothing has happened yet. I had a vehicle paid off, and the creditor was XXXX. The payment was sent and was processed before the XX/XX/XXXX deadline. The lender has stated that they 've fixed the problem on its end and that Equifax is the only one that can update it. 

This has been very frustrating bc I also have some fraudulent charges on my report that experience yet to address or even respond with. I have tracking numbers and dates they received my documents if I need to provide this. 

I 'm trying to buy a house for me, and my girl and this issue is killing my score. I have paid everything on time, and I go to pay off than the late hits. I need experience to processes my documents and remove this so I can move us before the lease is up by XX/XX/XXXX. 

Thank you,
Complaint sub-issue: Other problem getting your report or credit score

I have been advised that adverse information is contained in my LexisNexis report. I have submitted information to them multiple times to get a copy of my report and despite being advised it was being sent, I have not received it. I need to purchase a home and this is causing a hold up.
Complaint sub-issue: Account information incorrect

MoneyLion was removed from all 3 major credit bureaus because I have no knowledge of the debt that they are claiming that is for me. After being removed from my credit report the company requested that the information be reinserted. According to the fair credit reporting act, section 609 they are required by federal law to verify, through the physical verification of the original signed consumer contract, and all accounts posted to my credit report. They are reporting false information to my credit report.
Complaint sub-issue: Was not notified of investigation status or results

I have submitted a complaint previuosly on LexisNexis and they responded to CFPB that they would remove an Death Declaration on my file and that they would issue a letter to me stating that they had removed the mark on my file? They said vaguely in the, enclosed letter, that they would remove the negative mark in my file and that I could request my file along with the reporting parties that filed a death notice on me.. 
This was 2 weeks ago and no response from LexisNexis!! 
I want my file and the parties responsible for reporting me as deceased immediately!
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018 I called Equifax and spoke with two different reps. At first I spoke with XXXX, and then I spoke with XXXX who is in the fraud department. Equifax does not provide call reference numbers, I was advised to use my dispute confirmation number which I have XXXX, and also XXXX. I disputed two fraudulent accounts on my credit report. One for XXXX XXXX XXXX XXXX, and also XXXX XXXX XXXX. I am a victim of identity theft and fraud. I filed a police report with my local police department which is XXXX Police department, and I also filed a identity theft affidavit with the federal trade commission. Someone has being using my social to get goods and services. I sent over the police report as well as the identity theft affidavit to the credit bureaus. Equifax removed this account and then reported it back again the very next day. now Equifax is refusing to remove these items back off from my report. they are also refusing to provide me with the information that was used to verify that this account belongs to me. Why is it so easy for someone to use my information and damage my credit and my life but extremely hard to rectify the situation? especially when I have PROOF that I did not open these accounts. I never opened up a loan with this company, as a matter of fact I've never even purchased an auto since I've lived here in Texas, nor have I ever had XXXX XXXX which is the XXXX account. This is so sad and completely unfair.
Complaint sub-issue: Account status incorrect

My wife was the primary card holder and I was an authorized user. My wife has passed away and Citi and XXXX banks are refusing to remove me as authorized user and reporting a deliquesce on my credit report even when I'm not responsible for these accounts.
Complaint sub-issue: Information belongs to someone else

Equifax has been reporting erroneous and fraudulent information violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am seeking to bring litigation to Equifax because my character has been defamed. I demand that these inquires below be removed immediately.
Complaint sub-issue: Reporting company used your report improperly

This is my second time filing a complaint with Pro Collection, they promised to send me all original documents that I supposedly, signed with my original signature, and my consent to release my personal private information that was shared to Pro Collection then they shared it with XXXX different people, I never signed anything to give them the right to share my information, that is also a violation of THE HIPAA LAW. My next Complaint will be to the Attorney General. I have not yet received any of these Documents. All information is incorrect and they shared it anyway.
Complaint sub-issue: Information belongs to someone else

I HAVE HAD AN ACCOUNT WITH  XXXX  AND PAID IN FULL. The write-off is the only derogatory information and it is FALSE.     After some investigation I found out that the owner of the account had a very bad accident back in the fall.  XXXX  totaled out the account but there was a dispute over the value of the car, the amount of gap insurance, and a deductible. I could not get much more information because IT IS NOT MY ACCOUNT.     I have also reported this to my state 's consumer protection board. This has wiped more than  XXXX  points off my account. IT IS INACCURATE AND fraudulently reported as failure to pay car payments but it is because they did not receive an amount from  XXXX .  XXXX  decided to falsely report it as missing payments instead of taking up a dispute with the borrower, the insurance company, and THEY WO N'T REMOVE THIS DISROGATORY INFORMATION. They never contacted me because it is not my account. I have never lived at  XXXX   XXXX   XXXX  and have not lived in CT for more than 10 years.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

US BANK appear on my XXXX  credit report as hard inquiries, I have disputed many times this hard inquiry via XXXX  and also directly by calling this company but every time XXXX and also this above mention company denied my petition to send me any document that shows who autorise them to pull up my credit and make any application. ONCE AGAIN I REQUEST DOCUMENTATION ABOUT THIS HARD INQUIRY TO BE SEND TO MY MAILING ADRESS O OTHER WISE THEY NEED TO DELETE THIS HARD INQUIRY.
Complaint sub-issue: Their investigation did not fix an error on your report

I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my EQUIFAX credit report recently and found some inaccurate reporting on my credit report. I wrote EQUIFAX a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. XXXX is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist with account name : INQUIRY - XXXX - XXXX  - XXXX XXXX  XXXX  XXXX XXXX PA XXXX I have never been late on this account. please correct inaccuracies in payment history... Attached is the letter i wrote to EQUIFAX in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hi I received a noticed from XXXX  there was a hard credit inquiry on XX/XX/21 from CREDCO. 

I have been working the last 2 days, and have not applied for any credit or mortgage. 

I did not recognize who is inquiring about my credit. If there is a hard credit pull, I am concerned about someone applying for credit on my behalf. 

I wish to notify somebody as soon as possible because I do not want to be liable for any eventual identity theft. 

Thank you