Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

I XXXX XXXX finished my college education in XXXX. I took 11 student loans that were satisfied in full. Therefore, I never signed for a student after XXXX. I have attached a copy of each satisfied student loans. My problem now is that my ex-wife at one time added me as a person of interest to pay on her student loans that were serviced by Nelnet Loan Services. My divorce decree never had a stipulation that I would be responsible for her student loans, totaling {$63000.00}. I request the immediate removal of these accounts from XXXX XXXX and XXXX XXXX respectfully. Nelnet may be inclined to even send to me copies of all signature pages for these loans, which will prove that I am not a responsible party. Accordingly, I request a quick review of these accounts and their permanent deletion on all pertinent credit reporting agencies. Thank you for your cooperation. 
XXXX XXXX
Complaint sub-issue: Trouble with how payments are handled

By XXXX XXXX, 2016, I wanted to pay my student loan in full. I went on the loan company 's website and logged into my account to establish my payoff amount and find a date when I could get a cashier 's check to mail to the loan company. I called the company and talked with a customer service representative. I discussed with the representative about sending the check overnight an the rep. said I could send the check through the mail and the company would date the payoff to the postmarked date. She gave me an address for where paid-in-full payments are received. It was American Education Services Paid In Full, XXXX XXXX XXXX, XXXX, PA XXXX. The payoff amount on XXXX XXXX, 2016 was {$18000.00}. I purchased a cashier 's check on XXXX XXXX, 2016 in the amount of {$18000.00} and mailed the check on XXXX XXXX, 2016, to the above address certified mail with a return receipt requested.The company did not use the postmark date but used the arrival date instead. The company applied the check to the loan but the did not use the postmark as the date for the payoff amount of the loans. The loan company says I have a {$14.00} balance on my loan. I emailed AES to resolve this discrepancy on the payoff date. In the past, although I had tried to get my name corrected on this loan, AES refused to change it. ( They read my handwritten name incorrectly. ) I continued to make the payments on the bills with the incorrect name. This loan has not shown on my credit reports.
Complaint sub-issue: Debt was result of identity theft

Money lion illegally placed a debt on my credit file.
Complaint sub-issue: Reinserted previously deleted info

1-I was taken to the XXXX for a XXXX problem,2012, after testing I was ttold XXXX would have XXXX tomorrow and it never happened. I went home and contacted another Doctor. I was billed for this by XXXX Co. 
It now shows in collection.They did accepted my medicare and insurance. sent tocollections. 
2-XXXX first wrote off my account and now it shows new.
Complaint sub-issue: Debt is not yours

This company is acting as a debt collector, and I do not recall giving them permission to contact me ( which they have NOT ) But, under more scurinty they have placed this public debt on my records to XXXX  and degrade my character as if I do not pay debts owed to me. 
I request for admissions XXXX. The original wet blue ink contract with this XXXX. Consent I have given to you to contact me and put this alleged debt on a public record? 
XXXX where do private people have public debt? 
XXXX. What law says that private people are debtors XXXX. Do you operate under Title 12?

I am a private living soul, discharged from my mother 's waters and I know private people can not have public debt, so there is nothing to. There's nothing to " discharge '' or to discharge with. This alleged debt, is causing an interference with my pursuit to enjoyment of livelihood refraining me from access to housing for my child, therefore interfering with my children 's well life and pursuit of happiness. 

If by any chance you can not answer all questions, that would be deemed as incomplete, and result in admission and default to the solution offered. If unanswered I will move forward with the filings of a 42 USC 1983 suit. 

WITH MUCH LOVE, WITHOUT RECOURSE WITHOUT PREJUDICE
Complaint sub-issue: Information belongs to someone else

I have filed a dispute with Equifax and sent information in XX/XX/2019. I attached a letter from XXXX XXXX showing that the company had informed me of the removal of the false information they were reporting to the bureaus. I spoke with an agent in early XX/XX/2019 who informed me that the information I had disputed ( XXXX and XXXX XXXX ) was removed and that Equifax would send a Confirmation showing the deletions. After two weeks of not getting the response I spoke with an Supervisor at Equifax named XXXX ( Emp # XXXX ) over the weekend ( XX/XX/19 ) and he informed me that Equifax would not be sending the confirmation I had requested because the previous agent was wrong.. He said he would pull the call where this information was given out but could not say what the punishment of the agent would be.
Complaint sub-issue: Company closed your account

I had 2 credit cards from CitiBank - A Thank You Preferred Card Opened in XX/XX/XXXX and a AAdvantage Platinum Personal Card opened in XX/XX/XXXX. 
Both of the accounts were in good standing with no payment delays. 

On XX/XX/XXXX, Citi closed both of my accounts without informing me about the cause or giving any notice whatsoever. Calling customer care was of no help. 

The card opened in XX/XX/XXXX was my oldest active card and the 1st credit card I had received after I came to US. As such, closing this card will have material impact on my credit score, which I have been trying to build over the last 20 months in this country. 
All my points associated with the cards are gone too!
Complaint sub-issue: Their investigation did not fix an error on your report

The items accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
CXXXX 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 XXXXXX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts XXXX XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX Balance Owed : {$1300.00}
Complaint sub-issue: Problem accessing account

citi locked my checking accnt on XXXX and i have NO access to even check transactions or balance ... have spent HOURS and HOURS on the phone and they lie and refuse to help or even tell me what they are doing
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

this pertaining to Equifax Credit Bureau- i XXXX XXXX XXXX have been fighting Equifax for about 3 years. I believe that they have let the thieves take over my Account everything is Derogatory. I finally got to see the equifax Report through XXXX  website it is a Horror. The first incorrect Serious Delinquency- Totally incorrect- I have none 2. Short Account History- My Account History is 12-14 yrs with XXXX XXXX XXXXXXXX 3. Few Accounts Paid On time- EVERY ACCOUNT PAID ON TIME 4. Then Contradiction- Bills Paid on Time Recently- I PAY MY BILLS ON TIME ALL THE TIME.

So it Appears someome else is definately posing as me. XXXX i was pickpocket shut down all the immediately. Filed police report. 
All Credit Bureau 's put Fraud Alerts.May XXXX i gave first person all correct info, next tells me that i'm not me. I have ask twice for my credit they refuse to send. I sent in all Identifying Marker 's. Twice still ignored. I'm very ill i sent in proof of that also. They refuse to answer me because they think i'm the crook. XXXX and XXXX have my Credit Exact with same Information.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act account 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Account status incorrect

This is 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-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I have tried to get Enhanced Recovery to send me over proof of this debt and they have yet to do so. I have tried to despite this with XXXX also and they keep saying the debt has been verified but want provide me with the proof Im asking for if its been verified by Enhance Recovery. Its looking like they cant prove this debt and thats again all my right. I have been trying to get this debt settled since 2020 with both Enhanced Recovery and XXXX this is looking like fraud since neither one of them companies want to provide proof of this debt they claim I owe to Enhance Recovery. They letters I send off to Enhance Recovery regarding this debt they want even respond at all and thats again the law. I understand they have a 30 day investigation to do and send proof of what they claim I owe on the debt they have on my credit file.
Complaint sub-issue: Trouble with how payments are handled

I have new issues with respect to a previously submitted complaint. 
My initial complaint was filed XXXX XXXX. The case no. is XXXX. The complaint was as follows : " I submitted a request to switch my repayment plan from the Income-Based Repayment Plan to the Pay-As-You-Earn plan. My servicer, FedLoan Servicing, received the request on XXXX XXXX, 2016. I called FedLoan Servicing on XXXX XXXX, 2016 to check on the status of my application and was told that no steps had been taken yet to process the application. Today is XXXX XXXX, 2016, and I have still not heard anything about my application. '' Update : On XXXX XXXX, I received an e-mail from FedLoan Servicing that they had " processed my request. '' However, nothing has changed on my online account, and, on XXXX XXXX, I received my XXXX bill for a payment due still under the Income Based Repayment Plan. 
Also on XXXX XXXX, I called FedLoan Servicing and was informed of the following : 1 ) In order to process my request, my account had to be placed in forbearance, 2 ) I still had to pay the XXXX payment under the Income Based Repayment Plan, HOWEVER - because my account has been " inactivated '' - my payment would n't count towards XXXX XXXX XXXX XXXX, 3 ) I will need to pay a " forbearance fee '' of {$5.00} in order to switch my plan, 4 ) The forbearance fee will be charged in XXXX, and no other payment will be charged for that month ( so even if I wanted to make a payment towards my XXXX XXXX XXXX XXXX XXXX XXXX, that payment would n't count either ), 5 ) Ultimately, it will take until XXXX for my payment plan to be switched. Plus, I will make a FULL PAYMENT in XXXX that WILL NOT be counted towards my XXXX XXXX XXXX XXXX progress, and will not be able to make a second payment ( in XXXX ) towards that progress either.
Complaint sub-issue: Account information incorrect

Creditor consistently is not updating my credit report each month and a has a trend of only reporting my account to the credit bureaus when my account is over limit or not paid by due date. 
I only ask that XXXX bank updates my account balance each month with Equifax. 
I have disputed an incorrect balance previously with equifax in the past 60 days. 
During the dispute process, XXXX bank updated my balance to the current balance which was over the limit and not the balance on the statement date. 

Failure of this creditor to update my account as required is resulting in inaccurate payment history, account balance and status which is negatively impacting my credit score. 



Attachments include - 1-Credit card payment history from XXXX electronic statement history 2- equifax credit report showing merrick has not updated my credit account balance since XX/XX/2022.
Complaint sub-issue: Didn't receive notice of right to dispute

I recently sent a request for validation not verification letter to XXXX XXXX XXXX XXXX XXXX. I received back a generic letter stating that they reviewed the dispute and verified the information listed on the account which verification and validation are 2 different things.
Complaint sub-issue: Was not notified of investigation status or results

I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached out to XXXX sending the attached document via email and mail. XXXX has refused to remove this account that should not be reporting on my consumer report. XXXX  is in violation of several laws and I am demanding deletion of this account on my consumer reports. 

The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. Therefore this account should not be reporting on my consumer report. 

I have recently come across inform from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) OPT OUT ( 1 ) IN XXXX XXXX XXXX may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXX  did not disclose this information to me that is required by federal law. 
XXXX  knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties. 
XXXX  knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. 

I have also requested all correspondence sent via mail but XXXX continues to email me. I do not monitor email and I need every communication sent via mail to my address on file with the company.
Complaint sub-issue: Account information incorrect

Pick up truck was totaled in XXXX  of 2019. Insurance paid vehicle in XXXX  2019XXXX XXXX   has not updated credit bureau.as of XXXX/2019. XXXX  says I owe {$10000.00}, XXXX  says {$440.00}, Equifax says account is closed. Also XXXX XXXX  has submitted negative late payments on credit report. I have also tried to submit a dispute with the credit bureaus but they say the information is correct, which it is not
Complaint sub-issue: Information belongs to someone else

XXXX Credit Card is listed on my credit report. I did not charge anything on that card. It was fraudulently used by someone other than me.
Complaint sub-issue: Trouble with how payments are being handled

I have student loans that are being serviced by Great Lakes- XXXX WI. I have always paid on time and am actually paid ahead to XX/XX/XXXX. I am currently paying XXXX per month on auto pay. This last month I paid my XXXX and then also paid an additional XXXX which I did a custom allocation for to payoff my 2 loans that are at 6.55 % interest. When I checked my payment application it shows that only XXXX went to my higher interest rate loans and {$XXXX} went to the 4.25 %, {$XXXX} to the 3.15 %, and XXXX to the other 3.15 % interest rate loan. It clearly states that any additional payments will be applied to the higher interest rate loans and that has not happened the entire length of my loan. I called in several times about this issue and I am always told that they first have to apply my payment to the regularly scheduled payment and then any additional will go to the higher interest rate loans. I advised them that my next regularly scheduled payment is not due until XX/XX/XXXX but they insisted that the next payment will satisfy that payment pushing my due date to XX/XX/XXXX and any additional from that will then be applied to the higher interest rate loans. From my experience, when a loan is paid ahead, accrued interest should be paid and other funds should go the highest interest rate loan but they are not applying the payments this way. I searched online and this looks like many student are being deceived by Great Lakes. There are many complaints with the XXXX. Also when I was on the phone it seems that students that elect to autopay payment are handled differently than those that do not autopay. I was told I can only pay extra on the same date as the autopay to have it apply the way I want it. Because I am on autopay I only get 1 day to pay extra on my loan. People that are not on autopay get a 30 day window to make extra payments and have them apply per their custom allocation and to go to higher interest rate loans. This practice seems deceptive and when students pay extra and get ahead all principle should be going to higher interest rate loans not a regular payment that is due in 2.5 years ( as my student loans will be paid off by then anyway )
Complaint sub-issue: Information belongs to someone else

These are not my accounts listed in this report. Please remove them. I also attached my personal documents to depict who I am. Thank you.
Complaint sub-issue: Information belongs to someone else

My main complaint is I do NOT own this account. This is a retail credit card company and my wife owns the business. I have NEVER owned a business that uses credit cards. Her business is  XXXX   XXXX  operating under the name of "  XXXX   XXXX   XXXX  ''. I have no idea how this ended up on my credit report. I want it removed and I have any or all documentation you need to prove that I am in no way, form, or fashion associated with my wife 's business.   Basic Info : Debtor is  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL,  XXXX . Number is  XXXX . The balance showing is {$1800.00} as an installment account. Its showing my past due amount of {$180.00}. My first delinquency date is  XXXX   XXXX ,  2016 . Thank goodness I checked my credit report.
Complaint sub-issue: Information is not mine

On or about XX/XX/XXXX, I was a victim of identity theft. The IRS verified this and sent me a notice. Attached hereto. On or about XX/XX/XXXX, I was a victim of fraudulent charges on a XXXX XXXX credit card. I reported the fraud charges to XXXX, which is the bank used by XXXX XXXX, but they refused to remove the fraud charges. XXXX finally provided me with the invoices that clearly show forged signatures or scribbling of an unknown signature. Clearly not identifiable. Attached hereto. XXXX 's own policy confirms that customers are not responsible for fraud charges. Copy attached. In fact, on XX/XX/XXXX in a telephone conversation with XXXX XXXX, Vice President and Senior Program Manager, she admitted that the charges were fraudulent. I have repeatedly maintained my position that I was a victim of fraud. This is racial discrimination as I am being threatened and having my civil rights violated in order to force me to pay fraud charges. I soon learned that my unblemished credit reports were damaged with XXXX 's intentional of affliction of racial discrimination by reporting false information. It should be noted my credit reports do not show any negative information other than XXXX 's. I disputed the fraud charges and they have not been removed. The credit reporting agencies have failed to make XXXX prove beyond a doubt their claim that the charges are correct. In repeating my position that these are fraud charges, I am losing control of my health. XXXX
Complaint sub-issue: Public record

I am submitting a complaint regarding 2 tax liens that are showing on my Equifax credit report. I did not know the source of their information on the liens and due to this Equifax violated the Fair Credit Reporting Act. in addition both liens are " PAID, AND ORDERED CANCELLED FROM RECORD '' from the Georgia Department of Revenue. I have submitted court documents affirming this to Equifax and they have refused to remove the liens, despite court order. I have previously disputed the liens with Equifax 3 times but they have not removed them from my credit report.
Complaint sub-issue: Account information incorrect

Equifax illegally displaying false information on my report. A medical collection account keep reappearing on my credit report. I have no knowledge of this account and I did not sign a contract nor did I give anyone permission to give out my personal information. My only conclusion is this account may be from a workers comp claim from my employer, which I am not liable for, also all claims and bills for that claim was satisfied by workers compensation. You need to resolve your problems with workers comp and not me.