Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem

In the month of XX/XX/2021 my father expired due to XXXX, mom had a prolonged illness due to XXXX ( spanning XXXX and XXXX ). My daughter was born on XXXX XXXX 2021. Due to all these personal issues I was overwhelmed and forgot to make payments to the tune of some $ XXXX. Even though my other credit cards with autopay had been paid every time in full upto the tune of $ XXXX. This suggests my good financial condition. I requested XXXX to take note of this overwhelming situation and help in pardoning one off late payment. But they simply refused. XXXX has destroyed many families and put lot of people in stress. Taking note of this situation I would plead to your esteemed office to help remove the late payment from my credit report as it is adversely affecting my credit report.
Complaint sub-issue: Received bad information about your loan

I am enrolled in Public Service Loan Forgiveness ( PSLF ), and I have been making on-time payments since around XX/XX/XXXX when I enrolled into a qualifying income based repayment plan. Since XX/XX/XXXX I have worked, full-time, for qualifying institutions for PSLF, except for a minor period of time in XXXX. 

1 ) XXXX XXXX : XX/XX/XXXX - XX/XX/XXXX [ 24 months ] 2 ) 501 ( c ) ( 3 ) - XXXX XXXX XXXX : XX/XX/XXXX - XX/XX/XXXX [ 16 months ] 3 ) 501 ( c ) ( 3 ) - XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX, XXXX -- [ 32 months ] 4 ) 501 ( c ) ( 3 ) - XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX, XXXX-Present [ 12 months ] I have worked for qualifying institutions for a total of 84 ( 24+16+32+12 ) months as of today, XX/XX/XXXX. I have been making on-time payments since around XX/XX/XXXX when I enrolled into a qualifying income-based repayment plan. I have recertified my payment plan each year on time. 

However, for some unclear reason, the US Dept of Education made my loans go into an improper and unrequested administrative forbearance in and around the winter of XXXX, for payment months XX/XX/XXXX and XX/XX/XXXX ( statement attached ). I have requested a formal review by a supervisor at the US Dept of Education twice and filed a CFPB complaint ( attached ) in XX/XX/XXXX, and the issue of the improper forbearance my loan servicer ( XXXX ) put my loans in is still not resolved ( please see attached PDF of FedLoan Servicing stating the months of XX/XX/XXXX and XX/XX/XXXX are non-qualifying because of an administrative forebarance ). 

Please note during the time they placed me into an unrequested and unauthorized administrative forbearance my payment amount was {$0.00} ( XXXX ) because my income was extremely low, specifically because I was serving as an XXXX XXXX. This position 's salary was set by the federal government of the United State 's agency, the Corporation for National and Community Service. Therefore, my payment amount of {$0.00} in XX/XX/XXXX and XX/XX/XXXX should qualify and would qualify for PSLF 's 120 payments if not for the improper handling of the loan servicer at issue, XXXX. 

Thank you for your time and kind attention. Please help resolve this issue.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

AR RESOURSES. XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida 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 Florida At times of Incidents I had moved into a XXXX XXXX Shelter in XXXX Florida and was using State Provided Insurance at XXXX State Granted Issuance. Contact Department of Health Human resources for I.D . numbers or XXXX XXXX XXXX XXXX XXXX Florida XXXX Was informed that the bills incurred from E.R physical inspection report and other accumulated Dr . Visits would be handled by State/County Insurance. Please send me any paperwork for crisis payment or Homelessness verification as I stayed at XXXX XXXX XXXX XXXX XXXX. Please understand that I have been provided with XXXX Payment at XXXX per month and receive benefits on 1 of month each Month. I  'm Sorry for any misunderstandings on my behalf as it was mandatory visits I made as a resident of both XXXX and XXXX XXXX XXXX XXXX after leaving XXXX. 
MY EMAIL IS XXXXXXXXXXXX
Complaint sub-issue: Account status incorrect

XXXX, Equifax and XXXX are reporting inaccurate information on my credit report. This account was in litigation due to deception and predatory lending practices. On XX/XX/2022 XXXX XXXX XXXX notified the Court to DISMISS this case XXXX XXXX. On XX/XX/2022 Judge ordered XXXX XXXX XXXX to remove this account from my credit reports. XXXX XXXX XXXX states they will remove this account upon receipt of this letter they already received. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, is reporting inaccurate information on my credit report which 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 an account without my written instructions.

This collection account also violated my FDCPA and FCRA Rights under 1681i ( a ) e ( b ). In accordance with the Fair Credit Reporting Act requires only accurate information be reported. A collection agency can no longer report you owe money when a court of law says otherwise.
Complaint sub-issue: Debt was result of identity theft

I would like to request a copy of all documents verifying that I owe the debt to XXXX XXXX Not limited to, but including original application with my signature on it. I have on multiple occasions informed them the account was a result of identity theft, and they keep verifying the information as accurate. I have a right to request the documents they are using to verify that the account wasn't opened fraudulently.
Complaint sub-issue: Account status incorrect

Us Bank is reporting a recent late in XX/XX/XXXX that I should not have. I was never late and never received a notice. The truck is my husband 's and he is the one that makes the payment, and he has told me he was never late. He made the payment and there was a bank side error that resulted in it not going through. This is not my fault.
Complaint sub-issue: Not given enough info to verify debt

I have an account that twice in my credit report
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$25000.00}
Complaint sub-issue: Didn't receive terms that were advertised

Last XXXX, my wife received a letter from US Bank. If you open a new checking account, and with direct deposit {$5000.00} more within 60 days, you will receive {$400.00} bonus. I called the US bank to confirm that I didn't receive the letter, can I open a new account to get the reward. The representative said that you can open the account on line and use the promo code : XXXX to have a same reward. 

I opened a new account on line on XX/XX/XXXX, and direct deposit {$6100.00} through my employer before XX/XX/XXXX. Those will qualify to get {$400.00} bonus. 

But I didn't receive any bonus. I called US Bank many times, they said that you will receive the bonus because the computer system will take time. I keep calling every couple of weeks. They gave me different answers. 

In XX/XX/XXXX, I went to US Bank Branch in XXXX, Ca. She said that she will research the issue. She gave me an answer is that the reward gives the letter receiver. 

I explained to her. She does not want to listen.
Complaint sub-issue: Their investigation did not fix an error on your report

I do not want this complaint to be transformed into a request for contestation. I've already done it. I want this information DELETED by the FCRA. The offices had MORE THAN A YEAR to solve this and they failed. Now is the time to DELETE the accounts according to the FCRA. Please do not close this complaint without resolving it completely. Thank you
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX is been reporting on my credit since 2012. Its been almost 7 years and still reports with the new collection that buys the debt on my credit and this is affecting me and my children since this collection has me unable to buy a house to provide for my chcildren. 

It reports to the three major bureau credit and I need this to be deleted.
Complaint sub-issue: Reporting company used your report improperly

In according with the fair credit act. The account below has violated my federally protected consumer rights to privacy and confidentially under U.S.C. 1681 : XXXX XXXX XXXX XXXX XXXX. Also Has violated my rights to privacy 15 U.S.C. 1681 section 602 A. U.S.C. 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written consent. 


Also wrong personal information ( address ) is on my report due to identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Complaint sub-issue: Information belongs to someone else

Dear CFBP For the past ten months I've been trying to dispute with Equifax unverified items on my credit report. according to section 609 ( a ) ( 1 ) ( A ) credit bureaus are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts they have post on a credit report. otherwise, anyone paying for does reporting services could fax, mail or email in a fraudulent account. 

it's my right to see verifiable proof ( an original consumer contract with my signature on it ) they have on file of the account listed below. they failure to positively verify these accounts has hurt my ability to obtain credit. UNDER FCRA, uncertified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the account listed below. 

XX/XX/XXXX {$600.00} XXXX XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX   XX/XX/XXXX {$560.00} XXXX XXXX
Complaint sub-issue: Received bad information about your loan

applied for a XXXX loan, XXXX XXXX sent XXXX to the school, the school then returned XXXX ( half of the loan ) to the bank. XXXX XXXX denies receiving money, then later said they had it, now denies it again. school has not received the total XXXX ( only XXXX ). This has been over a year i have been struggling with it. I am paying interest on a XXXX loan when i have only received XXXX and the bank is uncooperative. i never receive call backs when promised, and each time i call i get a different answer for where the money went. I think it is ridiculous that i bank has LOST my XXXX XXXX DOLLARS!!!!!!!!!!!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not consent to, authorize, nor benefit from any of the following inquiries please remove them immediately
Complaint sub-issue: Reporting company used your report improperly

The data breach from Equifax!! That is what its about and other Data Breaches against me!!! I cant afford a lawyer for this!!! I have identity theft due to that XXXX XXXX is how it started on XXXX acct. Now I have the biggest mess ever, I cant change my SS number because of my XXXX case. I want to talk to the FBI and get my Name changed in Court!!! 
I have people trying to open up loans in my name, people selling and using my name with their pictures on XXXX, I want XXXX XXXX pay for that big mistake on his XXXX company .I asked him to shut it down and he didnt. If it really was him that I talked too!!! I want him arrested for fraudulent activity to my personal life. That is how my identity theft got started, I can get bank acct because Im a high risk to them. 
Please get me a FBI agent that I can talk to and turn over these papers to them about everything I have in this theft!!!!! My info XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX. XXXX, Illinois XXXX
Complaint sub-issue: Account information incorrect

Avante USA has opened two old accounts from XXXX as brand new accounts on my credit report. This action will extend the amount of time that the accounts can legally report on my credit report and makes me appear high risk to lenders with new collections accounts reporting.
Complaint sub-issue: Debt was paid

I took out a payday loan on line from USA and paid it back through my checking account via direct debit. I started to get threatening phone calls and eventually a XXXX XXXX called stating he was an attorney calling to inform me that my case was being filed in court unless I settle for {$550.00} on XXXX XXXX XXXX. He had me to purchase a XXXX card and fax a copy of my ID along with a note stating the last XXXX of my SS # and that I was making a payment in the amount of {$550.00}. The XXXX cards I purchased was XXXX with and exp date XXXX and XXXX on the back and a XXXX exp XXXX and XXXX on the back. Now XXXX called my home phone stating that my case with a ref # XXXX will be filed in court unless I settle for {$300.00} or set up payments over 6 months for {$74.00} to settle the debt out of court. He stated he was calling from arbertration and he transferred me to the payment dept to set up the payment. He caught me off guard and I gave him my debit card number and {$50.00} to come out XXXX/XXXX/XXXX. Afterward I realized it was a scam and went to my bank and cancelled the card on XXXX/XXXX/XXXX. I do not owe any payday loans.
Complaint sub-issue: Account information incorrect

My x wife divorce me in XXXX. Her, or members of her family took out credit in my name without my knowledge or consent. I have made a good faith effort to attempt to resolve the matter with the creditors, and with the reporting agencies but with no success. I am working in XXXX, and this is effecting my security clearance. 

The reports are totally wrong. I dispute these accounts reported falsely on : XXXX Equifax XXXX These are the accounts that I dispute in full and must be removed. 

XXXX. Charged off XXXX XXXX XXXX opened XX/XX/XXXX without my knowledge or consent Not my account 2. These following closed accounts, none of them were opened by me and are not mine : XXXX XXXX XXXX Reported : XX/XX/XXXX {$1000.00} Closed XXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00} Closed XXXX XXXX  Reported : XX/XX/XXXX {$0.00} Closed XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$0.00} XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX  Reported : XX/XX/XXXX Finally, my address is also listed on the 3 Credit Bureaus incorrectly. I have asked them to remove my X wife address over and over, but they refuse. 

My only address, since XXXX, is the following : XXXX XXXX XXXX XXXX, Maine XXXX Please ask the three credit reporting companies to remove these two addresses immediately, I have never lived at the below : XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX There are also 2 collection agency accounts that do not belong to me : XXXX XXXX XXXX Reported : XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1300.00} Outstanding Please correct these terrible mistakes, in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX 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 which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I respectfully request that you issue direction to these three companies XXXX. XXXX XXXX. Equifax XXXX XXXX Please also remove the false history from the Attorney General Office for the State of Texas. I have NEVER missed a payment EVER on my child support. t Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Since XX/XX/2022, I have been contesting fraudulent information on my credit report. I've been waiting for an answer from you, but I haven't heard anything yet. The unverified accounts indicated below continue to report on my credit report in violation of federal law despite prior CFPB complaints. Despite my best efforts to resolve this issue directly with the creditor, the XXXX, XXXX, and Equifax credit bureaus continued to report unconfirmed information in violation of section 605b of the Fair Credit Reporting Act and were therefore found to be acting with willful negligence and in violation of federal laws. I want this information to be checked for appropriateness, accuracy, and completeness. Please give me a prompt answer describing the actions you will take to remedy this issue. I shall be forced to utilize my legal rights and take legal action if I don't hear back. 
EQUIFAX : XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Debt was result of identity theft

I just received my reinvestigation back from Equifax. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the account below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

Account name : XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ).
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX partial account number XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. ( Please see pages 5 and 6 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing  is past due.
Complaint sub-issue: Trouble getting information about the card

After months of waiting for id verification to get my Colorado unemployment, i go to use my U.S.BankReliacard on XXXX, 2020 that had been loaded with XXXX $ but it said transaction denied. i called the XXXX number on the back of the card to be told my address doesnt match what they have on file but not only does it not match but it hasnt been changed ... Well if it hasnt been changed then it should be the address i provided when asked.. They therefore proceeded to tell me they can not give me any information about the account cause i cant verify my address, and to to to this website www.verify.usbank.com/ID and upload my ID and a selfie and within 1-2 business days someone from there '' offline team '' wil call me to reactivate my card.. Well its been 10 and they still have no update anytime i call. They say theres no way to contact the " offline team '' and their supervisors are just as not helpful as them. They hang up XXXX Ive faxed my documents and uploaded them multiple times.. I have no electric due to them freezing my card. I know have XXXX $ that i cant access and bout XXXX $ worth of bills unpaid. Im bought to lose my house. They are holding on to peoples money for what reason. I need my card reactivated now
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Dear Sir / Madam, - On XX/XX/XXXX I purchased tickets at XXXX with a Mastercard Credit Card ( ending XXXX ) I used to own for an amount of {$170.00}. 

- On XX/XX/XXXX I received a Fraud Notification for the same credit card, and as a consequence of it, my financial institution ( Citibank ) provided a replacement with a new numbering. 

- As a consequence of the COVID pandemic, the show I had purchased the tickets for was Postponed ( not Cancelled ) and after getting in touch with XXXX, they claimed that they could not refund the money until the show is rescheduled or cancelled. 

- Finally, in XX/XX/XXXX, the show was rescheduled and my tickets was cancelled, and XXXX refunded the money to my original method of payment, which was the Mastercard Credit Card ( ending XXXX ) that I do not longer have as I was victim of fraudulent activity and received a replacement card. 

- XXXX claims that the funds were released to Mastercard between XX/XX/XXXX and XX/XX/XXXX and Mastercard did accept the funds. They are even open to provide the evidence of having released the funds and Mastercard having accepted them, but they claim they can not provide directly to me but only to Mastercard due to data protection issues, but Mastercard is not providing any contact or fax number to receive the evidence.

- I have been talking to Mastercard multiple times, sometimes they claim they have not received the refund, some others they claim that I will receive the refund in my next billing cycle, but month after month, I never received the funds.
Complaint sub-issue: Their investigation did not fix an error on your report

There are several accounts being report it on my credit report. I do not know any of these companies. I have never done businesses with any of them. These collections companies do not have a contact with my signature.
Complaint sub-issue: Their investigation did not fix an error on your report

send XXXX, Equifax and XXXX  a dispute for XXXX XXXX XXXX, XXXX Acount number XXXX and another account XXXX I asked for Contact seeing they own the Debt with my Signature also for Validation of the debt Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Complaint sub-issue: Problem with fees charged

I purchased the vehicle from car max in XX/XX/2021, the paper work like the title is still not registered to me and it has been over a year. I cant get a tag in my name because the car isnt registered to me but I have been making payments for over a year. Car max wants me to return the car in order to re do the paper work and that doesnt make any sense when I have already did the credit check, put a {$4000.00} down payment and now they car telling me I will have to do car buying process all over.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2019, I submitted and mailed a certified letter to Equifax for which they signed for on XX/XX/2019 regarding negative information reported by XXXX XXXX XXXX, Bankruptcy chapter XXXX-discharge in the file they maintain under my Social Security number. I challenged the accuracy, compliance and reportability of the listing and their Method of Verification. Equifax failed to investigate with in the 30 day required by Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ).