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

I have reached out numerous times pertaining to my issue dealing with reporting inaccurate information on my credit report. I am now going to provide you with the list of violations you have committed against me as the " CONSUMER '' and the " ORIGINAL CREDITOR ''. Far too long I have allowed you to violate me due to my lack of knowledge.

For starters you are in direct violation of FCRA 15 USC 1681e ( b ) my reports are supposed to be 100 % accurate not 99 %!

Now we can now address 15 USC 1681 b ( a ) ( 2 ) which states that I have to give you written permission to furnish anything on " MY CREDIT REPORT '' in which I have not.

You are also in violation of 15 USC 1681i. I have attached your response below when I asked you to investigate, you said you were not required to reinvestigate this item in which that is false. If you did reinvestigate this information you would see that the payment status is incorrect across several accounts ( images attached below ).

Now if all of those violations are not enough for grounds of removal look very close and pay attention as I will now go into depth with you so follow close and learn!!!!

FCRA 1681a ( 2 ) ( b ) under the exclusions section states that " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device : if you look at the definition of a credit card under 15 USC 1602 it states that it is " ANY card, PLATE, coupon, book or other credit device existing for the purpose of obtaining money, property, labor, SERVICES, on credit ''. If you don't remove these accounts you are civilly liable for reporting these inaccurate accounts. I will be sending this to you as well via priority mail. I look forward to your response. Lol
Complaint sub-issue: Their investigation did not fix an error on your report

The Following accounts have been disputed several time through out 2021 last disputed XX/XX/2021. The accounts were marked as verified. However the information his not accurate, complete or even update. None of the information is the same across any of the XXXX credit bureaus XXXX XXXX XXXX XXXX date is wrong, payment history is wrong, missing data for several different months, but then reports again. 
XXXX Co XXXX XXXX there are XXXX different accounts listed for XXXX and XXXX I have called the courts, spoke with a judge. They agree that this should not be listed in my credit report. My oldest son is XXXX however there is not 9 years of payment history. 
The monthly amounts are not correct, The status dates are not consistent, Payment history is in accurate and incomplete. XXXX shows collection out of the blue with no prior payment history. 
XXXX XXXX XXXX Status updated is wrong and inconsistent, payment history is inaccurate/incomplete, no consumer statement that it was disputed
Complaint sub-issue: Investigation took more than 30 days

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting act, account XXXX, I.C system inc, has violated my rights. 15 U.S.C section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section XXXX : It also states a consumer reporting agency can not furnish an account without my written Instructions
Complaint sub-issue: Information belongs to someone else

This account is not mine, and I ask you to remove immediately this item from my profile as I can not have the item that is not mine. I am victim of identity theft and I do not want to have it. Its killing my profile and why do I need to suffer because of the fraud?
Complaint sub-issue: Qualify for a better loan than offered

I was unlawfully discriminated by Discover Student Loans. 

I am a co-signer for my sons attending a public university in Maryland. 
The announced XXXX student loan rates today are starting with 3.49 % ( as announced at https : //www.discover.comXXXX ). I have a stable income above average and exceptional credit score XXXX ( exceptional credit score, as defined at XXXX ). However, Discover Student Loans generate the interest rate 4.99 %, that is 1.5 % above the announced best rate 3.49 %. 

Suspecting a mistake, I called to Discover student Loans and takled to 4 employees : 1. XXXX - representative 2. XXXX - representative 3. XXXX XXXX - supervisor 4. XXXX, emp. # XXXX - sr. supervisor These employees and supervisors at Discover Student Loans told me that : a. The decision was made by a secret proprietary algorithm b. Discover, in violation of Federal Law, keeps their criteria secret and they are not allowed to explain me why I was penalized for additional 1.5 % despite my exceptionally high credit rate. 
c. They told that they are involved in market competition and recently developed a scheme to advertise a low interest rate but generate for applications. 
d. Senior supervisor XXXX ( emp. # XXXX ) specifically said that they will not disclose the criteria for best rate and if anybody is getting it. 

Looks like I am a victim of an illegal scheme developed at Discover Student Loans : a low rate 3.49 % is announced, a person with exceptional credit score gets a high rate 4.99 % generated by their secret algorithm and they refuse to explain it. 

Please investigate the issue.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I filed a dispute with Equifax. Mortgage was showing the last four years all payments were 120+ days late which dropped my score over 50 points. The error was corrected in the fact that the payment history was changed back to what it should be. Equifax refuses to give me the points back on me credit score. I have spoken to an agent and they told me basically it's not their problem and they won't give me the points back on my credit score.
Complaint sub-issue: Their investigation did not fix an error on your report

I PREVIOUSLY COMPLAINED ABOUT XXXX/LOAN SCIENCE REPORTING AN INCORRECT 1ST DATE OF DELINQUENCY WITH RESPECT TO TWO STUDENT LOANS REPORTING ON MY CREDIT FILES. THE INCORRECT DATE OF DELINQUENCY XXXX/LOAN SCIENCE IS REPORTING IS XXXX XXXX. HOWEVER, THE CORRECT DATE OF DELINQUENCY IS XXXX XXXX. AS SUCH THE ACCOUNTS SHOULD NO LONGER APPEAR ON MY CREDIT FILES.
Complaint sub-issue: Was not notified of investigation status or results

I sent dispute requests to remove incorrect addresses and to also dispute the negative accounts on my XXXX, XXXX, and Equifax reports on XX/XX/XXXX and XX/XX/XXXX via mail. I have not received any mail or correspondence that a dispute or investigation has taken place. I thought that when you do not hear anything from the credit bureaus in 30 days that is automatic grounds for deletion of the requested dispute accounts due to not validating within 30 days. Please look into this and process this dispute as applicable. If it is my understanding that the disputed accounts will be deleted, I expect this filed complaint to be completed in that manor.
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX
Complaint sub-issue: Problem with personal statement of dispute

After I graduated college in XX/XX/2014, I had problems finding employment for a year. Despite being unemployed I had to pay XXXX XXXX in order to put the loan on deferment. I had to pay {$150.00} dollars every three months for a year. After my deferment period ended, I informed XXXX XXXX I could not afford the {$500.00} dollars monthly payments. The company refused to work with me and reported late payments on my credit report. XXXX XXXX late payments is effecting my life in a negative way. Despite me having a great credit score, I  can not apply for mortgage or new lines of credit. In the past I have submitted dispute letters to remove the late payments, but the company refuses to do it. I really tried my best to work with the company and because of their unfair practices I am suffering emotional. I feel the company has unfair practices, other student loan companies does not require individuals to pay for deferment and once you run out ; you must pay the amount each month. Many former college students are going through the same abuse and harassment from XXXX XXXX. I feel the government should regulate XXXX XXXX unfair practices because they are damaging many consumer lives.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I became a victim of fraud and embezzlement by trying to help a supposed friend/partner XXXX XXXX scam ) who claimed to be in the military and said he did not have access to his own money to pay for storage security ( of {$1.00} in gold bars ) and XXXX customs XXXX This covers a time frame of XXXX 2020 to current, and involves 4 banks ( one of which has cleared my account in full and sent a check to me for fees paid ). I have a number of promise notes from the suspect 's attorney but none of them paid me back. I spoke to my pastor in XXXX 2020. It was then I realized that I was scammed. I filed a police report, FTC report, and National elder abuse report all in XXXX of 2020. I have sent a number of faxes to all four banks to show that I was a victim of fraud and embezzlement. Two of the banks have now turned over the issue to a debt collector. My only income is social security.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

XX/XX/2020 i ended up in the hospital with XXXX. I was in and out for XXXX months. then went thru XXXX until XXXX XXXX while I was in the hospital having surgery and recovering. they started calling at XXXX and called EVERY hour until XXXX. I got so upset I was screaming into the phone to stop calling me. Doctors and nurses witnessed conn 's harassment of me. I have call logs to prove how many times they called. I explained to them in the first few calls what was going on and id contact them as soon as i got out of the hospital and was able to do so. they refused to allow me to heal while in the hospital and harassed me. at this point i believe i dont owe them a dime since they broke the law. i even told them to come get their items and be done with it and they told me they couldnt do that. then i get a letter in XX/XX/2020 stating they would take me to court which i'm still waiting on. i'm ready to get a lawyer since they just called me again XXXX days ago. i am done with them.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX has inquires on following dates that I dont recognize and didnt authorize. These are on my XXXX, XXXX and XXXX credit report. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX credit has inquired on the following dates that I dont recognize and didnt authorize. These are on my XXXX, XXXX and XXXX credit report. 
XX/XX/XXXX XX/XX/XXXX Discover has inquiry on the following date that I dont recognize and didnt authorize. These are on my XXXX, XXXX and XXXX credit report. 
XX/XX/XXXX
Complaint sub-issue: Debt is not yours

The original issue was with XXXX  We moved and asked for a simple movers package. First the technician went to the old address. Then once he arrived at our correct new address, I elected to go wireless for a one time fee. The agreed upon monthly amount was for about {$120.00}. The first bill after a month or so was for about {$1200.00}. Naturally I called and argued with the representative until it was agreed on that if I pay my $ 125 monthly amount the billing issue would be fixed. The next billing cycle landed me a bill of about {$600.00}! I had to call and complain again until it was agreed upon that if I paid the {$120.00} my service would not be disconnected. The Next billing cycle had arrived along with a bill for around {$300.00}!!! I called AGAIN to complain about their service and the billing debacle, but this time I told the representative to just forget it and to cancel the contract. At this time I also drafted a letter and sent it stating that I wanted to cancel due to a breach of contract on their part by not charging the {$120.00} as agreed upon. The letter was sent to them by certified mail with a return receipt, but I might not be able to find the receipt after all of this time. I also told them that I don't work for them and if they want their equipment, they need to send a technician to pick it up. I never heard anything else so I thought it was over. I did threaten to file a fraud complaint but never did since I thought it was resolved. Then a collection agency started trying to collect on an account that I had cancelled. I keep receiving letters on a regular basis from different agencies with a " deal '' that if I can pay just half or so, it'll be all better. I don't feel that I have to pay anyone for a cancelled contract. And I don't believe that this should be on my credit report at all, I consider this an FDCPA violation and outright fraud. 
The original letter to XXXX and a copy of the latest collection letter will be uploaded soon.
Complaint sub-issue: Account information incorrect

To whom this may concern, XXXX is reporting inaccurate information on my credit report. They have reported that I was late making my student loan payments during the timeframe that I was in forbearance on XXXX occasions. XXXX lists my account as 90 days late in XXXX of XXXX and 120 days late in XX/XX/XXXX on my XXXX credit report. However, during that same time period, I was reported as " on time '' on my Equifax and XXXX credit report during that same timeframe. In XX/XX/XXXX, they also reported my credit report as 90 days late, which is also inaccurate. If I was 90 days late, in XX/XX/XXXX, why was XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX marked as " paid on time '' on my credit reports?! Furthermore, the account number listed on my XXXX credit report is not correct ; my correct account number per the XXXX online portal is XXXX. The account numbers listed on my XXXX credit report begin with " XXXX '' and XXXX '', but was verified as " accurate '' when I disputed with the credit bureaus. These accounts do not belong to me and need to be COMPLETELY removed from my XXXX credit report. Per the XXXX, XXXX is required to report complete and accurate information on my credit reports. I previously disputed these accounts with the credit bureaus and reached out to the student loan Ombudsman, and this issue has still not been resolved. I am aware that there is a current lawsuit against XXXX filed by the CFPB and several attorney generals for unfair and unjust student loan servicing practices ; I am a victim of those corrupt practices, which has damaged my credit rating and caused severe emotional distress. 

I am attaching a copy of all three of my credit reports, a copy of the complete Department of Education Student Loan Data System report that proves that I was in forbearance as during the time that I was reported late, as well as my email that was previously sent to the Ombudsman requesting that these issues be corrected. I am hoping that the Consumer Financial Protection Bureau can help me resolve this matter.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 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 are the inquiries that are reporting on my Credit Reports and need to delete immediately. 
XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX AUTO-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX AUTO-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX is reporting a credit card as charged off for {$950.00}. Then they are reporting a balance of {$620.00}. The company has a due date if the XXXX of every month. If this account was charged off, the company would not ask for a payment due on the XXXX of every month and if the balace is going down every month, it should not have an amount of {$950.00} charged off. This account is reporting incorrectly
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX  # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX Have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more than seven years. 15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Complaint sub-issue: Account status

On XXXX/XXXX/15, I submitted a complaint letter to XXXX Bank concerning incorrect information provided by Equifax as my credit data for consideration of a credit card offered by XXXX. On XXXX/XXXX/15, I sent a letter to Equifax concerning the same above mentioned issue : reporting erroneous credit data on my behalf. I have attached copy of the letters mailed to both companies. To date, neither business has responded to my letters. Therefore, I am requesting your assistance with this matter. I am demanding a response to my inquiry from each business. I have attached a copy of the letters submitted to both XXXX and Equifax. I also intend to file a complaint on those organizations with the respective XXXX and the Federal Trade Commission ( FTC ). 

Thank you.
Complaint sub-issue: Trouble with how payments are being handled

Hello, I have spoken to Numerous personal from my fedloans about 24 missing qualifying loan forgiveness payments. Instead of my payments being manually calculated as promised on XX/XX/XXXX I received a letter stating that my account was 30 days past due with a balance of {$650.00}. My student loans have been on an automatic debit since XXXX. I am unsure how it is possible to have a bill in this amount with automatic debit which is taken out monthly on the XXXX of every month. 
I have been informed by the following personal that this matter would be resolved shortly. I was informed by XXXX # XXXX and name unknown person # XXXX on XXXX that there was an error made on fedloans end. I was informed this error occurred because I changed my payment plan from IBR to a revised payment plan XX/XX/XXXX. Instead of the female worker name and number is unknown suspending my interest payment she never did.She did put in place the minimum payment of {$5.00} which I paid {$5.00} on 2 occasions. The first time being when my payment plan was changed XX/XX/XXXX. The second time being XX/XX/XXXX. 
I spoke with XXXX # XXXX at XXXX on XX/XX/XXXX and requested that my 24 payments towards loan forgiveness be properly calculated. There were 24 payments that were missing. I was informed Fedloans had to manually fix the error. XXXX # XXXX at the time confirmed the error I called back on XX/XX/XXXX and spoke with XXXX # XXXX and was informed that the matter was still pending. 
I was not informed of the current bill until XXXX. Up until this point my bill has been current. I was told this happened because Fedloans was working on rectifying my qualifying low forgiveness payments that were not counted.I continue to not have my qualifying payments counted but now I am getting a bill with a threat of this being on my credit report. 
I spoke to XXXX  # XXXX on XX/XX/XXXX who stated that she could see a review on my account for qualifying payments. XXXX  # XXXX stated on XX/XX/XXXX that XXXX # XXXX made a request to have the interest on my account capped. This review also continues to be pending. This same review was requested on XX/XX/XXXX which the system shows has been completed but not resolved. 
I then requested to speak to a supervisor XXXX # XXXX who stated that the problem appeared to occur after I was transferred from a IBR to a revised payment plan. XXXX # XXXX stated that in order to qualify for a payment of {$5.00} I will need to qualify for a forbearance. Ms. XXXX # XXXX continued to acknowledge the error was not on my end and she apologized. The issue still is not resolved. I was informed that the issue would be reviewed in detail, taken care of and myfedloans would get back to me. 
It appears that after trying for months to resolve the matter, I have no choice but to seek your support in resolving this matter. 
Thanks,
Complaint sub-issue: Problem getting report or credit score

I went to finish disputing my XXXX disputes and my request timed out while disputing the XXXX account when I came back over I had to then finish my Equifax request, so I had to resubmit a request. Upon trying to get my Equifax all of the information and questions they asked me did not have any accurate answers, some of the questions were right and had the right answers been listed I would n't have selected none of the above. Now I have to submit a paper request for the report before I can even dispute it, this is not fair. I want to be able to submit my driver 's license and proof online, I do not have time to wait 15 days to finish these disputes and all of this craziness. I need it all to be done at one time. That was the point in selecting all three reports. I want to be contacted by Equifax to rectify their obvious misinformation 's. I hate Equifax 's service and I do n't think it should have any effect on my credit, I do n't think anyone should ever even be allowed to pull my credit score from them ever, they obviously are very misinformed and unreliable.After finishing my disputes so they will stop ruining my credit, I fully intend to try and never use their horrible service ever.
Complaint sub-issue: Debt is not yours

Enhanced Recovery is reporting a tradeline from a XXXX  account that does to belong to me. I have send the credit bureaus a copy of my FTC Identity theft report and police report over two months ago and somehow the credit bureaus are still allowed to report this. I Find this highly illegal and unfair. I have enclosed a copy of my FTC report and police report once again. Please delete this from my credit profile.
Complaint sub-issue: Account information incorrect

I was a victim of identity theft when I was XXXX  in a XXXX XXXX. I have struggled with XXXX XXXX and when I am XXXX  my information is compromised. My information has been compromised in these bureuas security breeches and the they fail to fully validate information and refuse to remove these items from my report, Instead the keep updated the system as open accounts when they have been paid and the file closed