Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account terms

I have been disputing incomplete and inaccurate information on my credit report for months XXXX XXXX XXXX has XXXX accounts which have not been reported properly or investigated properly. Please see attached letter and copy of credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Fedloan Servicing is reporting 90+ days outstanding of 4 student loans. This is inaccurate for the reasons summarized below : 1. I paid my account as required by the agreement with Fedloan 2. Fedloan is inaccurately reporting my student loan dept as a credit card debt! 
4 Fedloan switch their invoicing method to paperless with notifying me 5. I did not authorize Fedloan to switch my billing to paperless 6. I was not notified by Fedloan that my payment was past due 7. I  appemtepted to make payments via their website as directed by Fedloan 8. My ( multiple ) online payments, via their website did not post to my account 9. My personal information had multiple inaccuracies ( email, address, name, etc 10. Fedloan is still reporting account that were paid in full as open 11. Fedloan is  reporting late payment on closed accounts - w 12. I open three ( 3 ) diedsputes with Fedloan spanning 6 months and my credit report 13, In each case they took more than 30 days & NEVER provided notification of result They have ruined my credit with INACCURATE reporting and flaunting Federal Law! 

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

For over 18 months I have been demanding that Equifax validate and correct or permanently delete this account from the consumer profile concerning me because it contains incorrect information. I do not believe that Equifax has actually done an investigation on this account. Information is missing and is clearly incorrect when you look at the information side by side with the way it is reporting at other credit reporting agencies. Equifax can not make a judgment call by themselves that information is verified and validated without speaking with an actual human being at the alleged creditor 's business. 

I've notified Equifax of the BILLING ERROR for the XXXX XXXX XXXX  account appearing in credit reports and the credit profile concerning me. I have never been late as XXXX clearly states " XXXX '' to confirm this in their reporting of the information. See attached.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX sold my charged off account to a collection company called XXXX XXXX XXXX. I have settled this account with XXXX XXXX XXXX and they have since removed it off my credit report. 

XXXX XXXX XXXX is still reporting on my credit report AND is still showing a balance.
Complaint sub-issue: Reporting company used your report improperly

I am a consumer and a natural person. Do not close this complaint saying it's not me. In accordance with the Fair Credit Reporting Act. The lost of accounts below have violated my federal protected consumer rights to privacyand confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX account XXXX XXXX account XXXX XXXX XXXX XXXX has violated my rights XXXX account XXXX XXXX account XXXX XXXXXXXX XXXX XXXXXXXX XXXX has XXXX my rights XXXX account XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX has violated my rights XXXX account XXXX XXXX account XXXX Equifax account XXXX XXXXXXXX XXXX  has violated my rights XXXX account XXXX XXXX account XXXX Equifax account XXXX 15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.
Complaint sub-issue: Information belongs to someone else

While I was in the process of trying to rent an apartment, my credit report had to get pulled. I was denied due to several unknown items on my report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Complaint sub-issue: Information belongs to someone else

I have been charged over XXXX XXXX dollars for schooling I never attended. I signed up for school, though I backed out, yet they still have sent me multiple emails, like XXXX a day for the past XXXX years, drummed up charges for classes I never attended, and ruined my credit. I have been permanently XXXX for the past XXXX years, have n't worked, and could really use some help from consumer finance. Thank you so much for your time and assistance.
Complaint sub-issue: Can't use card to make purchases

I bought a US Bank Mastercard gift card for {$200.00} from XXXX XXXX on XX/XX/2019 ( Receipt attached ). I am unable to retrieve the balance by going on the website as well as when trying to call in to the service at XXXX. It says ''due to the status of your card, we can't process your request. '' I am unable to get in contact with anyone regarding the status of the card. 
I have attached a picture of the prepaid gift card front and back so you can check that it doesn't work. It in not past 12 months so it can't be empty due to inactivity. From a previous letter, I also called XXXX and couldn't reach anyone.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

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 : 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 XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX. XXXX, XXXX ;
Complaint sub-issue: Attempted to collect wrong amount

The debt is for an apartment lease which ended and the owner of the property sent an incorrect amount owed at lease end. I tried to explain to the collection company that the owner of the property acknowledged that the amount is wrong. I was willing to pay the correct amount do but they became very nasty and refused to discuss the true debt owed. the debt is for about {$500.00} and only {$230.00} is actually owed.
Complaint sub-issue: Was not notified of investigation status or results

XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX XXXX XXXX data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Account status incorrect

XXXX, XXXX  and Equifax has reported my account by XXXX/XXXX  as 30 days late for XX/XX/2020. The payment was made in XXXX so my account is not late. Included with this report is proof that the XXXX payment was made.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX and its debt collector company ( Jefferson Capital Systems LLC ) has been trying to collect and has reported to my account XXXX that I have been trying to remove for a long time. I have had the same phone company ( XXXX ) for over 10 years and did not open a phone account ever with XXXX XXXX but to no avail, they are still reporting it as a collection on my credit causing many problems.
Complaint sub-issue: Received bad information about your loan

I believe I am eligible for loan forgiveness through the PSFL program. I submitted employment certification documentation for the two employers I've had since XXXX. I first submitted paperwork back in XXXX of XXXX and was later told they didn't have it. I resubmitted it again around XX/XX/XXXX and waited a couple of weeks to give them time for processing. When I called back I was told it was under review and could take months to show on my account. I didn't press it because there is a moratorium on payments due to COVID, but then I tried to call again today because I'm certain I have the eligible number of payments to have my loans forgiven under the new waiver program. I have currently been on hold for over 3 hours and when two humans finally picked up, it was to transfer me or hear my question for less than 1 minute and then put me back on hold for another hour. Fed Loan Servicing is a terrible company.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, Equifax and XXXX I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 
PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY THE XXXX XXXX Account Number XXXX Balance {$3900.00} Address XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX Phone Number ( XXXX ) XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I used a CITI credit card to pay the down payment to a XXXXontractor ( XXXX XXXX XXXX ) to work on my house. After the first day it was obvious that he did not know what he was doing. I fired him and instructed CITI card to cancel my down payment ( {$2000.00} ) CITI card decided to do nothing. I am suing the contractor because he presented a false profile and false references on XXXXXXXX XXXX XXXX and did unprofessional work. I am also filing complaints against XXXXXXXX XXXX XXXX because they presented a false profile of this contractor and many false references. The problem with CITI bank is that they did not investigate anything. I am suing XXXX XXXX XXXX  for my {$20000.00} back. I am also pursuing a complaint against XXXXXXXX XXXX XXXX and I want to file a complaint against CITI Bank. They failed to represent me fairly in this case and it is costing me time and money. I want to sue them for that time and money,
Complaint sub-issue: Debt is not yours

XXXX XXXX 2015 Amount says XXXX This amount has been paid. Now a third party is trying to collect the same amount.
Complaint sub-issue: Received bad information about my loan

In XXXX I requested to be put on the Income based repayment plan. I was ( and am still ) working but could not afford my bill. After some demanding they did put me on the IBR plan at Navient. Every year I have diligently renewed my application. In XXXX, I had lost my job and pretty quickly was hired by a non- profit. I called Navient and asked how this affected my IBR plan. They told me that I was still eligible and that my loan would only be for 10 years as long as I requested each year for my IBR renewal. In XXXX, I learned that ( on my own, not from Navient ) that it is a good idea to check with your loan company to be sure that you have Qualifying payments and loan forgiveness. I began then to send the forms for loan forgiveness. It was not until XX/XX/XXXX that I learned that my student loans were not eligible for forgiveness unless I consolidated them to a different loan company - XXXX. So in XX/XX/XXXX I began the process of consolidating to XX/XX/XXXX since I still work for a non- profit at very low wages and still can not afford my student loan payment. I feel however, that Navient did an injustice by not telling me that my student loans were not eligible sooner and not notifying me in anyway that I would need to consolidate with a different company. I lost seven years of qualifying payments for loan forgiveness and had to start all over again at 120 payments.
Complaint sub-issue: Information belongs to someone else

These fraudulent accounts are reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX XXXX XXXX
Complaint sub-issue: Problem lowering your monthly payments

I was previously told by FedLoan Servicing that I would receive information about an updated income-driven repayment plan that I filed on XX/XX/XXXX on XX/XX/XXXX. As of XX/XX/XXXX, I have not received the email FedLoan told me I would receive on XX/XX/XXXX or prior. When I call FedLoan Servicing on XX/XX/XXXX, I am now told that my plan is not ready by the automated machine ( the system would not let me talk to a live representative as far as I could tell, because all calls regarding income-driven repayments are directed to an automated system ). I am hoping for an updated payment amount as I believe that this would reduce my payments and given that I used the IRS retrieval tool for my income, I fail to see how something that should most likely be an automated process can be delayed. As I am working towards PSLF, I do NOT want to be put in administrative forbearance while this is figured out because I want all months of employment to count for PSLF. As such, I would like to continue to remain in repayment while this is figured out, but wish for it to be figured out as soon as possible.
Complaint sub-issue: Information belongs to someone else

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy : Discharged CH-XXXX Equifax XXXX XXXX : XXXX XXXX   XXXX, XXXX XXXX Equifax XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX Equifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXX Equifax XXXX XXXX XXXX  : XXXX XXXX : XXXX, XXXX XXXX XXXX   Equifax : XXXX XXXX : XXXX XXXX : XXXX.
Complaint sub-issue: Was not notified of investigation status or results

I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful.

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further.

This is a Debt buyer. As this debt buyer is not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as its a violation. Please view the below definitions, 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation G ) 1006.2 ( g ) Definitions.

( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. 

In addition, Per Wenger v. XXXX XXXX XXXX, No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Under 15 U.S. Code 1692g. Validation of debts I request that this Non-Creditor validate this debt by providing proof of this alleged item, specifically the original application, original contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law. Please research and delete the inaccuracies ASAP. In the past I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use.
Complaint sub-issue: Information belongs to someone else

TO WHOM IT MAY CONCERN THIS FRAUD I HAVENT CHECK MY CREDIT IN A COUPLE YEARS I TRIED TO BY A HOME AN I WAS DINED. MY LICENSE WAS SUSPENDED BECAUSE SOMEONE HAD A CAR IN MY NAME AND OPEN UP CREDIT CARDS IN MY NAME. I CHECK MY CREDIT AND I SEE ALL THESE CREDIT CARD ACCOUNT ON MY CREDIT THIS FRAUD I DID NOT OPEN THESE ACCOUNT.
Complaint sub-issue: Information is not mine

This company did a background check on me and committed a very serious error by placing in the report information that does not belong to me ; that is, the information is not about me and it is adversely affecting me personally and professionally. I have a clean record, with no problems whatsoever. Therefore, I am asking you to help me find out why this serious error was made and to resolve this problem as soon as possible, since it is harming my present and future prospects. For example, the XXXX company XXXX has rejected my application based on this error. 
I have a similar case regarding XXXX. I filed that claim with you all, and the case number is XXXX.
Complaint sub-issue: Problem with personal statement of dispute

Clarity Service pulled my credit on three different occasion with out my consent : XX/XX/XXXX and twice on XX/XX/XXXX. In effort to investigate the inquires, I sent a letter on XX/XX/XXXX listed bellow : RE : Unauthorized Credit Inquiry Dear Customer Relations : While checking my personal credit report : XXXX, XXXX, and XXXX, I notice an unauthorized inquiry made by your organization on XX/XX/XXXX. <P/>Since I have not, to the best of my knowledge, authorized anyone employed by your organization to make an inquiry, you are not legally entitled to make the inquiry. Therefore, I request that you contact all the concerned credit bureaus and remove the unauthorized hard inquiry within 7 days, under the Fair Credit Reporting Act, Section 1681b ( c ) :  Transactions Not Initiated by Consumer. I also request that you remove my personal information from your records. Please send me a written confirmation to the address listed above that you have complied with my requests. <P/>If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity. <P/><P/><P/>On XX/XX/XXXX, the company responded and stated they needed " additional information '' in order to investigate my claim. I sent another letter XX/XX/XXXX and it is also listed bellow : RE : Response to Consumer Request Dear Customer Relations : I received a letter from your company in response to my Unauthorized Credit Inquiry dispute ( see attachments ) stating that additional information is needed to investigate my claim. Your company advised I mail my social security number, address, phone number, and other pertinent and personal information with a view to fully investigate my dispute. However, if your company had access to my credit report, it can be determined that my social security number, address, phone number, and other pertinent and personal is within your company records. <P/>This is rather questionable and a postponement approach to evade your company from lawfully investigating my disagreement with the unauthorized inquiries. I included below three different instances ( twice on one day ) your company Clarity Service Inc illegally and without my consensus retrieved my credit report from XXXX, XXXX, and XXXX : The Fair Credit Report Act upholds fair, accurate, and confidential credit practices as well as gives consumers the right to legally dispute illegitimate credit reporting and inquires. I do not know the services offered at you company to grant you access to my personal credit file. Since your company is giving me a hard time with my request, I have decided to escalate my dispute with the Consumer Financial Protection Bureau.
Complaint sub-issue: Was not notified of investigation status or results

I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor. ( My last communication was XXXX, see attached ) I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format formate ignoring to report. 

CITIBANK N A Account ID : XXXX The account is incomplete. The complete and itemized listing of the dates for these accounts was never provided. I am having trouble getting them from the original creditor. 

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very urgent that you please investigate and resolve as this is destructive to my character and is obstructing my ability to obtain loan.
Complaint sub-issue: Information belongs to someone else

I was a victim of identity fraud. Someone obtained an auto loan with XXXX using my identity and I have filed a police report and met with a police officer to give all the details. 
The XXXX auto loan is still being reported in my XXXX  profile as a collection/chargeoff and it's affecting my overall credit profile. 

I have filed a complaint with XXXX and XXXX, but XXXX  is still reporting. 

Please help.