Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Received bad information about your loan

Dear SALLIE MAE ; I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2022 FOR 60 DAYS I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, being XXXX XXXX XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Complaint sub-issue: Information belongs to someone else

Hello there. It seems there are accounts on my credit profile that does not belong there. I am a victim of identity theft. I'm contacting you so you can assist me with removing these accounts. I followed all the steps mentioned online. I have the identity theft affidavit as well as the two accounts I'm referring to attached.
Complaint sub-issue: Banking errors

My Upgrade Rewards checking account was credited XXXX cents as cashback for the month of XXXX. I received an email notification on XXXX at XXXX XXXX  that the amount was credited to my account. But that amount never showed up. I contacted Upgrade  by phone on XXXX and the service representative had no idea why the amount wasn't showing up and asserted that they could do nothing about it.
Complaint sub-issue: Reporting company used your report improperly

Equifax, XXXX and XXXX has violated my federally protected consumer right to privacy, confidentiality and agencies not reporting XXXX XXXX accurate information under 15 U.S.C 1681. 
Since l submitted Since l submitted complaints to Consumer Financial Protection Bureau ( CFPB ) Complaints onXXXX for Equifax ID # XXXX, XXXX XXXX # XXXX and XXXX XXXX # XXXX the agencys has reach out to XXXX XXXXl, XXXX XXXX  XXXX XXXX and XXXX XXXX which is XXXX out The several reporting companies l complaint to CFPB on XXXX concerning reporting inaccurate informations. The companys had changed their information to corrected the information reporting and sent the information back to Equifax, XXXX and XXXX. Over the past several years l have disputing a lot of the inaccuracies information with the companys and credit bureau agencys until l filed the complaints with the CFPB thats when the Credit Bureau and Companys is now starting to correct the inaccuracy information been reported by the companys. Im uploading he changed they made because l filed the XX/XX/2022. There are several more companys that l addressed in my complaints on XXXX waiting to hear from the credit bureaus when changes going to occur. The inaccuracy information had impacted my life and Improper use of my report l did not give the Credit Bureaus written permission to furnish my account or my information. I have the right to privacy 15 U.S.C 1681. 

Improper use of my report and furnish inaccurate information has violated my right. 15 USC 1681 section 602 A. States l have the right to privacy. 15 USC 1681 section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedated the report by more than Seven years. 15 US C 1681 s-2 ( A ) ( 1 ) A person shall furnish any relating to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Im demanding that the accounts in the complaints ID # XXXX, # XXXX XXXX and # XXXX XXXX be permanently and immediately removed from my report in accordance with 15 USC 1681
Complaint sub-issue: Their investigation did not fix an error on your report

I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX XXXX ' THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE THERE IS A CHAPTER XXXX THAT IS NOT MINE I HAVE ATTACHED A LETTER WITH EVERY DETAILED EXPLANATION OF THE ITEMS TO BE FACTUALLY CHALLENGED AND CORRECTED
Complaint sub-issue: Didn't receive enough information to verify debt

USI Solutions, Inc has contacted me several times between XX/XX/XXXX and XX/XX/XXXX. I have requested a copy of the signed note and was refused each time. Three times I was placed on hold and hung up on. XX/XX/XXXX I again requested proof and was accused of playing games and stalling. I was offered my social security number as proof. During repeated attempts to be cordial I was berated for my age, maturity, character and being bitter about a previous relationship. I then asked for transcripts of the conversation we had been having and was also denied. After a few futial attempts in my requests and being placed on hold six times I was connected to a Manager. The self declared manager also refused proof and transcripts of our conversations. It was after going around a few times in my request that I hung up.
Complaint sub-issue: Received bad information about your loan

In XX/XX/2022 I received XXXX notices of loan forgiveness, however, I dispute the calculation of payments that qualify for a refund. After multiple calls with my loan servicer ( Fed Loan Servicing ) from XXXX to XXXX that did not resolve the issue, I filed XXXX XXXX XXXX XXXX through the XXXX XXXX XXXX XXXX XXXX XXXX site on XX/XX/XXXX. To date I have not received as status update, nor can I determine where I can find out the status. A copy of my Reconsideration Request is attached.

On July 21st, I spent more than 3 hours on the phone with Fed Loan Servicing, XXXX, and Federal Student Aid trying to determine who has my information. Fed Loan Servicing said I need to call Federal Student Aid ; XXXX doesn't even have me in their system and told me to call Federal Student Aid ; and representatives in the XXXX XXXX XXXX  Forgiveness and Discharge department told me the loan servicers are handling reconsideration requests. I note that XXXX hosts the reconsideration form on its site and sent the confirmation email I received immediately after I filed the request, so I expect XXXX to know what is going on with my request. 

On XX/XX/XXXX, I submitted a formal complaint on the XXXX website. On XX/XX/XXXX, I received an email that did not acknowledge my specific concern but provided information I ALREADY HAD AND USED for Fed Loan Servicing and XXXX and stated my case was closed. 

On XX/XX/XXXX, I filed a complaint with the Pennsylvania Higher Education Assistance Agency ( PHEAA ) Office of Consumer Advocacy using my Fed Loan Servicing access. As you will see in the attached email correspondence, they continue to evade my question about the Reconsideration Request and provide me information as if they have not read my complaints.

I am EXTREMELY FRUSTRATED to learn NO ONE seems to know who is handling PSLF Reconsideration Requests and even more worried that no one is reviewing what is filed. Furthermore, I believe I am still owed {$2500.00}.
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Complaint sub-issue: Can't close your account

I 'm currently the POA of my father that 's in a assisted living memory care unit here is GA, and he has  XXXX  /  XXXX   XXXX  issues. Since  XXXX   XXXX  last year I 've tried to close this account due to his health issues and I 've been able to close credit cards with  XXXX  and  XXXX   XXXX   XXXX  . AAA member services was sent a copy of the financial POA in order for me to close this account. I then receive letter dated  XXXX / XXXX / XXXX  requesting my SSN and DOB in order to add me on account. After numerous phone calls from  XXXX   XXXX , through this past  XXXX   XXXX  they still want my information. They asked if my father could add me, and I said no he does n't even know what day it is let alone time. I also informed them of his condition of  XXXX  and  XXXX   XXXX  which they still insisted policy required me to submit information. All I want to do is close this account, and be done with  AAA  Credit Card. I hope you all can assist me in closing this, and I do n't understand when the other credit cards companies where fine in what I sent and understood my situation.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax reports a hard inquiry on my report from XXXX XXXX XXXX XXXX, XXXX.-MT XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX on XX/XX/2019 I did not authorize this inquiry. Equifax has not removed this from my report. I have attempted to contact XXXX XXXX XXXX and they say they have no record of this under my name. Multiple attempts with Equifax have not resolved this.
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX never contacted me about alleged debt. I was never given the opportunity to verify alleged debt. 

Amount of Alleged Debt XXXX 15 USC 1681b ( a ) ( 2 ) I never gave written consent to have anything from rent grow to furnish information on my report This is an infringement upon my privacy and has cause me to be discriminated against. 

M.A.R.S. INC still havent supplied me with evidence on how this information was verified before reporting.
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XX/XX/XXXX, I contacted First Federal Credit & Collection ( FFCC ), a debt collection agency based in XXXX, Florida, to discuss an alleged medical debt of {$500.00} reported to the credit bureau in XXXX. That same day, FFCC wrote me an e-mail requesting that I provide them with a letter from XXXX stating that my son was covered on XX/XX/XXXX. FFCC also requested a copy of my son 's XXXX I.D . card and I.D . number. One month later, I received a phone call from FFCC  regarding the XXXX letter. I advised them that obtaining the letter was taking much longer than expected. 

On or around XX/XX/XXXX, FFCC reported a " late payment '' to the credit bureaus for the first time in four years. 

On XX/XX/XXXX, I e-mailed FFCC  a letter from XXXX dated XX/XX/XXXX stating that my son was eligible for continued coverage in addition to sending a copy of the XXXX I.D . and I.D . number. My letter also stated that my son resides in a group home and is 100 % the responsibility of the State of Florida, including all of his medical expenses. I immediately received a phone call from FFCC  advising that the letter from XXXX was insufficient because it needs to state that XXXX had coverage on XX/XX/XXXX. FFCC also threatened to continue to report the alleged debt monthly until paid. This threat was intended to coerce me into paying the debt by ruining my credit. I told FFCC during the phone call that the letter is sufficient proof that XXXX was covered on XX/XX/XXXX because the renewal Notices cover the entire year. I also advised that I was unable to get a letter from XXXX for a specific date as their computers are not set up to customize letters. Instead, XXXX provided me with a duplicate copy of the Notice of Action taken on XX/XX/XXXX. 

FFCC 's request for a letter from XXXX is merely a disguised attempt to harass me and force me to pay a debt that I do not owe. Indeed, the billing statement for medical services provided by FFCC shows that their client already billed XXXX for services on XX/XX/XXXX and XX/XX/XXXX. The last page of the billing statement shows that in both instances XXXX denied coverage because the primary insurance paid more than the allowed amount. Therefore, FFCC is already aware that my son was covered by XXXX on XX/XX/XXXX. Requesting the letter and continuing to report the debt to credit bureaus are just mechanisms for prolonging the matter to coerce payment for a debt that is not mine. 

FFCC  is, in fact, a dishonest company. For example, FFCC reported a balance owed of {$500.00} when the final bill shows an outstanding amount of {$390.00}. 

I am filing this complaint against FFCC to resolve this issue as soon as possible.
Complaint sub-issue: Information belongs to someone else

I believe that my personal info has been compromised and used to obtain credit cards and loans of such sort I was advised to submit these forms in order to get these issues resolved
Complaint sub-issue: Account information incorrect

XXXX  XXXX has been paid in full as of XX/XX/2019. On my credit report, the account shows a balance for {$8000.00}. In a section of my credit report, the balance shows in the month of XXXX. The months of XXXX through XXXX is not showing on the credit report with a balance. Which means the account was paid in full in XXXX. If it wasn't paid, XXXX would show the balance next to each month. XXXX   is still reporting a balance in the balance column and updating this every month although they are not receiving a payment every month since they were already paid in full.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 
XXXXXXXX XXXX Account XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Talked to a third party about my debt

This account was an individual account. The collector contacted my former spouse seeking my contact information and disclosed the name of the creditor as well as the amount owed
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
Did not consent to unauthorized inquiry XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
. Did not consent to unauthorized inquirXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
Validate Account Account XXXX : XXXX Please remove it from my credit report.
Complaint sub-issue: Reporting company used your report improperly

In a accordance with the fair credit reporting act XXXX account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 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 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX
Complaint sub-issue: Problem with paying off the loan

I paid my car and I have received my title as of yet.
Complaint sub-issue: Account terms

XXXX XXXX, XXXX ( XXXX ) XXXX has appeared on my Credit Reports with all XXXX Agencies for over 8 years. They keep re-aging the info to maintain item on my reports. Equifax Business Affairs after looking at the details took it off my Report last month and XXXX put it back on this month. The account dates back to XXXX and first appeared in XXXX. I have been fighting them for over 7 years. If you go to my Credit Reports now they currently claim I made a payment in XXXX of XXXX. I have never made a payment to XXXX. No 81-Month Payment Data available for display and the balance has n't changed since XXXX. In addition they have not been in business for over 5 years as they were acquired by XXXX. It is my understanding accounts that contain a negative account status. Accounts not paid as agreed generally remain on your credit file for 7 years from the date the account first became past due leading to the current not paid status. Late Payment History generally remains on your credit file for 7 years from the date of the late payment. I believe XXXX is guilty of Fraud and XXXX of the Credit Reporting Agencies suggests this. Attached please find an example of about XXXX letters like this sent Notarized to XXXX and have all been ignored.
Complaint sub-issue: Account status

The XXXX account listed on my credit report shows as past due for XXXX payments of {$9800.00} ( credit report excerpt attached ). This account is current and no delinquency exists. Even XXXX 's company on-line information ( attached to this complaint ) shows my account as current and I 'm told updated information should be on my credit report showing the account is current with no late payments. This account needs to be corrected asap as I am trying to purchase a car and I ca n't get financing.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit act XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX are reporting incorrectly a collection in the amount of {$29000.00} on the US DEPT OF ED/XXXX/XXXX  account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and there is no outstanding balance due. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Complaint sub-issue: Problem during payment process

Currently hold only one credit card- Best Buy VISA that I have been paying in full every month for the last year. My problem started three months ago after paying off in full, my account never gets credited and prevents me from using my card, when I contact Best Buy VISA they tell me my Bank has not Cleared my transfer? I contacted my bank and they are concerned some type of creative financing at Best Buy VISA is going on since I send in full almost XXXX each month! My Bank has records of proof that the electron funds transfer to Best Buy VISA had cleared immediately? Im Retired and have enjoyed using the Best Buy VISA, and now concerned a highly reputable company is taken me for a ride on their behalf? Could this harassment to me be due to not paying the interest fees most consumers pay each month for not paying in full each month? Im also Retired XXXX and have other means to air dirty laundry on companies who treat people with disrespect! I work very hard to stay fiscally inclined during my lifetime and concerned for the new generation operating these companies? Best Buy CEO just mentioned in a letter Economic Havoc our countrys facing and I would love to continually help if I could use my Best Buy VISA without waiting two weeks? Im hoping this complaint submission helps resolve my problem with Best Buy VISA card so I can help support out our countrys financial crisis were experiencing! 

XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus on 12/08/22 to update this suspicious information. I think they 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. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX and I'm including it again. 


XXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX Balance : {$6900.00} ; XXXX XXXX XXXX : {$2700.00}
Complaint sub-issue: Can't decrease my monthly payments

My undergraduate debt is {$170000.00} and I am making monthly payments of {$1500.00} a month. I can not afford to live on my own ( living with parents at the age of XXXX ), I do n't know that this will ever be possible. {$60000.00} of that money at a 12 % interest, making it almost impossible to try decrease the principal. I make $ XXXX /year. I graduated from Univ. XXXX in XX/XX/XXXX. I have tried to refinance my loans at lower interest rates but I keep on being told that I have too much debt to refinance - I have made all of my payments on time - I did go into forbearance for 9 months in XX/XX/XXXX. Any help on what steps I should take next would be greatly appreciated.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX # XXXX XXXX and XXXX has corrected this account information and Equifax has not. Please correct the balance of the account to XXXX ... I have been trying to correct the same issue for 2 months. WHY???? 

There is no investigaiton happening wtih this account and Equifax will held liable as they interferring with my ability to purchase a house. You held resposible for ALL DAMAGES and legal fees if this is not corrected ASAP!