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

I written several letters ( between XXXX XXXX XXXX ) to fed loan XXXX that I would like proof that I owe them money for this so called student loan that I supposedly have. I have requested the original loan ( that I supposedly have with fed loan ) agreement with my signature in black ink. Fed loan has failed in my request to see the original documentation. This has had a negative impact on my credit. I would like this issue resolved as soon as possible. 

Thank You
Complaint sub-issue: Was not notified of investigation status or results

I HAVE REQUESTED AND TRIED FOR SEVERAL MONTHS TO DISPUTE THESE ACCOUNTS REPORTING MY ON CONSUMER FILE. THEY HAVE CONTINUED TO VIOLATE MY RIGHTS AND KEEP REPORTING THESE ACCOUNTS WITHOUT PROVIDING ME ANY TYPE OF PROOF SHOWING ITS ACCURATE. I'M ATTACHING MY LETTER
Complaint sub-issue: Problem with customer service

My Chapter XXXX ( originally a Chapter XXXX but later converted ) was discharged on XX/XX/2018 ( see attached Bankruptcy Court Order of Discharge ). I am still unable to view my student loan accounts online through Nelnet 's website. I keep getting a message saying because of the status of my account to call their customer service number. I have and they keep telling me their bankruptcy department is not going to do anything about it. 

If CFPB is unable to resolve this issue, I will file formal to the US Department of Education through my Congressman 's Office.
Complaint sub-issue: Reporting company used your report improperly

As of XXXX XXXX XXXX I was notified, via news outlets and social media, that my personal information may have been compromised by a recent hacking of Equifax. Keep in mind, the compromising of this information has been known, by Equifax, since late XXXX XXXX. 

Seriously? 

Over a month to notify the public seems just a bit ... late? But, the best part. Equifax set up a website to check whether or not one 's information has been compromised. The only catch? You surrender all rights to bring legal action against the company ( Equifax ), if you want to know anything about your info being compromised. 

Great. 

So, obviously I surrender this privilege. I need to know XXXX. Remember this is pretty serious? What-a-ya know ... my information has been compromised. Awesome. Long story short, I still need to do ALL THE HEAVY LIFTING TO PROTECT MY INFORMATION. Filing fraud alerts, credit monitoring, credit freezing etc. Im beyond " happy '' to do this on my Friday.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I was initially rejected for the Pslf program even though I met all eligibility except for the repayment plan which I never told did not qualify.I then applied for the temporary expanded loan forgiveness program.Was told several reason why I didnt qualify.first was told I had only made 119 payments of the required 120 which was not correct as had made 131 payments.Then was told I wasnt in Type of repayment needed as wasnt paying enough each month.Again something I had never heard of.Seems whatever I do is rejected.Feel like the foregiveness program is a fraud program.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
Complaint sub-issue: Problem getting my free annual report

Equifax claimed ( for at least the third year in a row ) it could not authenticate me online when I tried retrieving my free annual report from XXXX. Attached are the verification questions they asked. The answers to ALL of them are " None of the above '' and this is how I answered. I believe Equifax is either systemically denying all requests from certain debtors for what may be discriminatory or other unlawful reasons, or to discourage requests for FACT Act disclosures in favor of their paid products. This has reached the point where I feel I must request more be done than just goad them into sending the report as they have in previous years. They must take concrete steps to resolve this issue once and for all.
Complaint sub-issue: Information belongs to someone else

After a divorce in 2016, My ex wife has continued to obtain new credit in my name. I have disputed many accounts, address 's and alias 's that appear on all 3 credit bureaus only to have them respond with " we need proof ''. There not my address 's not names I have ever gone by and not my debt! Despite going to the police to have it stopped and filing complaints with local law nothing changes or helps I have a score so low Im really just stuck. I can't even buy a car without 40 % interest. This is insane!
Complaint sub-issue: Information belongs to someone else

The accounts listed on my FTC Identity Theft affidavit are not mine. Please Block!!
Complaint sub-issue: Need information about my balance/terms

On XXXX/XXXX/15 I had sent a request for ALL of my loan documentation to which I am legally entitled to receive. American Education services deliberate refuses to provide ALL requested documentation. I have attached my correspondence to American Education Services as well as their reply.
Complaint sub-issue: Didn't receive advertised or promotional terms

I have Citicard and in XXXX I decided to use my total cash reward payment towards my monthly payment. Under Redeem Now the options are : convert to points, statement credit, direct deposit or mail a check. I decided to use it towards statement credit. I submitted this before the 8th which is the due date. A few weeks later I get notification that they did not get payment. Instead I called customer service and explained what I did and theyre telling me it doesnt count towards your balance. I was also assured I would get mailed the documentation, which I demanded, but never received as customer service is outsourced. Upon closer examination it says in small print that by choosing statement credit it will reduce your amount owed but it is not considered a payment. This does not make sense and they should have made this information stand out more and because of this policy now my required monthly payments are larger ( over {$300.00} ) when I cant afford larger payments. I have a friend who has a high position in XXXX XXXX and was recommended to report this as deceptive and stated they need a better way to inform consumers about statement credit.
Complaint sub-issue: Debt was result of identity theft

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX  Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX bankruptcy dismissed # 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 is missing that should be on the report

Equifax has RE-AGED the length of my credit history from 11 Years 3 Months to to only 4 Months. This practice has resulted a denial of credit, creditor stating specifically that it's because of the age ( 4-Months ) of credit history. I have attached evidence of my credit reports from all major credit reporting bureaus, including Equifax before they did RE-AGING of my credit history a month ago.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter to inform XXXX that I recently received a copy of my credit report that your company publishes and after reviewing it I found several bankruptcies on my XXXX, XXXX, and Equifax that are inaccurate. Them being an 3rd party company reporting incorrect information are damaging my reputation and credit worthiness. I requested they supply me with the actual documents and I received letter starting they received the information from Equifax and they do are not apart of the resolution.

I went to US BKPT CT Tx XXXX have email me which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third- party providers who collect information regarding public cases from public records. 



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Complaint sub-issue: Information belongs to someone else

THESE ACCOUNT DO NOT BELONG TO ME 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
Complaint sub-issue: Frequent or repeated calls

CITIGROUP CONSTANTLY HARASSING ME CALLING ME AT ALL TIMES OF THE DAY. LEAVING VOICE MESSAGES THAT FILL UP MY MESSAGE BOX ULTIMATELY MAKING ME MISS IMPORTANT MESSAGES AND PHONE CALLS. I HAVE ATTACHED THE FOLLOWING SUPPORTING DOCUMENTS.
Complaint sub-issue: Information belongs to someone else

Equafax has inaccurate account information that doesn't belong to me, and addresses, and phone numbers??

Please advise.
Complaint sub-issue: Information belongs to someone else

The accounts listed below are reporting on my credit report and stemmed from identity theft. I have contacted the bureaus multiple times to report this issue but it has yet to be resolved. 

XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, Equifax, XXXX, and XXXX have violated my rights. 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 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Account information incorrect

I was reviewing my credit and discovered unauthorized hard inquiries that I have no knowledge of from the following companies XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Television & Radio Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Sales Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2023
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX XXXX bought a debt from XXXX for a cell phone plan that was terminated in XX/XX/XXXX. XXXX originally told me that I could cancel my phone plan ; I had one month left on a three year plan, and that I would not be charged an early termination fee. Instead, I was charged {$300.00} per phone line ( six lines ) for  the early termination. I disputed it. 

XXXX XXXX purchased it and reset the date opened account to XX/XX/XXXX and began to try to collect the debt from me. I disputed the account date. They told me that the debt starts from when they opened the account, not the original account.
Complaint sub-issue: Transaction was not authorized

XXXX XXXX XXXX XXXX. Is a business that went through my account from PNC fraudulently taking {$89.00}. PNC denied my complaint and sent me documents relied upon to make the decision. The documents sent was very poor and did not provide me with a legit phone number for the merchant nor a website. A tracking number of the product was fraudulent after speaking with USPS.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have been trying to get my credit freeze with Equifax lifted since XX/XX/2021. I am locked out of my account and when I finally got through to the call center in the XXXX they keep telling me I am not verifying my identity correctly. I confirmed five questions on the phone about my credit history, I confirmed my name, date of birth, emails address XXXX street number and zip code. I then verified a code they sent to my phone ( the phone number was separately verified ) twice and the agent said I didn't give the correct code. They then sent me a link to return picture of my drivers license. I did this twice with my XXXX XXXX and took crystal clear pictures with no glare. They rejected them all. I asked to speak with a manager and the agent hung up on me. I need to buy a computer today at XXXX, and I need the line of credit to get the extended warranty. I was also part of the data breach that happened several years ago. This is entirely unacceptable and I would like to see them disciplined for their negligence and inaction.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 30 days and this information has not been suppressed or removed from my credit report. My disputes have been ignored by Equifax for the past two years with no letters of acknowledgement, reporting inaccurate information, out of date information and so on. They are the only credit bureau that has not completed a dispute request or proper investigation whereas inaccurate information and Identity theft accounts have been removed from XXXX and XXXX for years. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove disputed information. Since it has been over two years disputing the same inaccurate information I demand these accounts be removed expeditiously or i'll be forced to file litigation due to the unsurmountable stress and disruption this injustice has caused me. My information was also impacted by the Equifax data breach and i'm sure it has gotten in the wrong hands due to this ongoing issue with someone using my information.
Complaint sub-issue: Their investigation did not fix an error on your report

To : whom it may Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, Account Name : XXXX XXXX Account # XXXX PAST DUE BALANCE OF {$6200.00} ( inaccurate please delete ) Account Name : XXXX XXXX  Account # XXXX PAST DUE BALANCE OF $ {$1100.00} ( inaccurate please delete ) Account Name : PXXXX Account : XXXX PAST DUE BALANCE : {$1100.00} ( inaccurate please delete ) This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with by certified mail. 


Sincerely,
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX my Equifax score was XXXX. 
On XX/XX/XXXX my Equifax score was XXXX. A drop of 22 points. 

There were only 2 changes to my Equifax report : an improvement of {$2600.00} in my XXXX balance, and an improvement of {$400.00} in my XXXX XXXX balance. 

What happened?
Complaint sub-issue: Account status incorrect

Customer representatives from PNC from the XXXX number that collect credit card payments told me that if I make the payments in the XXXX and XXXX is that what keep the account up to date and I wouldn't fall behind. Turns out that was wrong advice and I was very surprised when the account ran 30 days past due because it's never done that because I've kept up with it. Customer service gave me wrong advice as far as the minimum payments That's why the account fell behind or I would have made sure I kept it as current as possible. Please remove the negative information from the credit report as I'm in the process of trying to purchase a home and it could be detrimental to the credit report. Thank you for your time and consideration.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$94.00}, {$0.00}.

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 


-CLOSED ACCOUNTS- 1. XXXX XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$94.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$0.00} -This is not my account.
Complaint sub-issue: Debt resulted from identity theft

I was a victim of identity theft and noticed a collection from AMERICOLLECT I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AMERICOLLECT in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Complaint sub-issue: Information belongs to someone else

XXXX  received my Identify Theft affadivt of inaccuracies and fraudulent accounts on my report on XX/XX/XXXX. I included my insurance, utility bill, and notarized signed descriptive report of all innacurracies. I sent certified mail and received the receipt back they signed for the documents. I called over the phone and was told they refused to remove Conns Appliances ( account opened fraudulent in my credentials ), XXXX XXXX XXXX, XXXX XXXX XXXX all FRAUD accounts. I have been battling with the creditor as well as XXXX  and the refuse to remove these accounts from my report. I am suffering a great deal of XXXX. XXXX  keeps giving me the run arounds they removed all of the other fraud and inaccuracies but refused to removed these accounts. I was also told by a representative on XX/XX/XXXX that they do not honor identity theft affidavits and the theft accounts will stay on my report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I found a hard inquiry requested on XX/XX/2021 By CBNA. This hard inquiry wasn't requested by me. I contacted the company to cancel the request and it was confirmed as a fraud. 

I want to inform that hard inquiry shows as " CBNA ''. I contacted them and they didn't find any accounts in my name. The only company that was able to find the hard inquiry in my name it's " XXXX XXXX '. Which it is different than CBNA and that is the only hard inquiry that shows on my credit report. I attached a letter from XXXXXXXX XXXX. File number XXXX ( XXXX )
Complaint sub-issue: Information belongs to someone else

My husband bought a truck from XXXX XXXX XXXX while I was at work. He got it a few months before he passed in XXXX XXXX XXXX. It wasn't even tagged yet due to covid shutting down the tag offices in our areas. I didn't know till after he had passed and I voluntarily surrendered the vehicle and it ended up tanking my credit  XXXX XXXX that my name had been forged and it was on my husband 's truck. I sent them an email saying we loved it but I couldn't afford it. They then tried to get my insurance for XXXX worth of hail damage that was already on the vehicle. That got denied then they sold it and want me to pay the difference. I have no job and XXXX XXXX I have no extra money to pay the difference is XXXX XXXX Unfortunately I just don't have that kind of money. They sent me a paper saying I'm going to be taken to court but no court date has been set and I am trying to get a home for me an my children and this is really hurting my credit. The place contacting me is XXXX XXXX XXXX I've tried sending proof of the signatures not matching. That I was at work during this time. I don't know what else to do.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXXXXXX XXXX you both verified this closed account XXXX account XXXX, Equifax AccountXXXX both different account numbers please reinvestigate your verification UNDER 15 U.S.C. 1681 a { e } please give me your verification you must have the information The law is the law and you have to follow the law REMEBER 15U.S.C.1681a { e } enclosed are my documents { 30 day by law } these accounts listed are Closed accounts
Complaint sub-issue: Debt is not yours

I C SYSTEM is claiming that I owe them {$550.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Complaint sub-issue: Transaction was not authorized

I was victim of fraud. Someone used my debit card info and made purchases close to {$10000.00} and I have filled dispute with TCF bank. TCF first gave me money back then they took my money out of my checking account. I asked them what is happening and they reopened the claim. This has been happening since XX/XX/2018 and they just keep asking me for same documents over and over again. Ive sent them 4 times proof that I was in XXXX when this fraud happened, my affidavit and police report. Since then they just keep telling me that my case is under review and not giving me resolutions date or anything. Can you please assist me in getting my founds back.
Complaint sub-issue: Public record information inaccurate

I found the legal name of the court is incorrect in my credit files with XXXX XXXX, XXXX   and Equifax. I submitted the correct legal name to both credit bureaus. XXXX XXXX deleted both items, the discharged and dismissed bankruptcies. XXXX  and Equifax both replied they could not identify me and therefore couldn't find me within their files. I find this incredulous! Because I forwarded both credit bureaus with the first page of my credit report received from them. Nevertheless, I submitted the identifying documents and continued to ask for the removal of the bankruptcy items. XXXX  continues to list the bankruptcy item in my credit file. Equifax has corrected the name of the court. According to the FCRA, if the credit bureau is found to have incorrect information, they must delete the item ( s ). Since the reporting of this item in my file, I have been denied credit for a secured card.Attached are the initial ( XX/XX/2019 XXXX second ( XX/XX/2019 ) and third requests submitted to XXXX XXXX, XXXX  XXXX XX/XX/2019 XXXX and Equifax XXXX XX/XX/2019 XXXX credit bureaus.