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

I have continually been employed in Public Service since my student loans entered into the repayment phase and this has been accepted by my lender. I was told by my lender that my first three years of FULL loan repayments would be counted retroactively towards my Public Service Loan Forgiveness program once I was accepted to the PSLF program. Now I am being told that because I wasn't first registered in a preferred repayment plan such as the Income Driven Repayment Plan, these three years of on-time and FULL payments will not count as qualifying payments. I've been told that I've lost out on approximately 36 payments I've already made of my required 120 overall payments for PSLF. I paid the full amount monthly for three years which is greater than those monthly amounts required by plans such as the Income Driven Repayment Plan. This makes absolutely no sense and is a substantial time delay in my repayment process. Information given to me as I signed up for PSLF was inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been dealing with a person or persons using my credit to open accounts and abuse them. I filed an identity theft report and had it notarized. They only deleted some of the accounts. There are still accounts reporting that shouldn't be reporting to my credit because they don't belong to me.
Complaint sub-issue: Reporting company used your report improperly

Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate.

Some of the people reporting things on me. I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681 i ( a )? I hear that if you can't provide proof, these accounts must be deleted. Well. I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

I demand the following accounts be verified or removed immediately. 
Name of Account : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX SD XXXX
Complaint sub-issue: Information belongs to someone else

On Thursday XX/XX/XXXX I reached out to these bureaus to request that fraudulent accounts and inquiries that are reporting on my credit file be blocked pursuant to section 605B of the Fair Credit Reporting Act. 

They did not remove : XXXX XXXX XXXX, {$980.00}, XX/XX/XXXX. 

I would like to request that these items be block in accordance with section 605B of the Fair Credit Reporting Act.

I would also like to request a copy of the investigation including the company ( s ) they are receiving this fraudulent information from.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax on several occasions about 24 hard inquiries that are on my credit report that have not been removed in the time that the agency stated they were going to be removed
Complaint sub-issue: Keep getting calls about your loan

In XXXX of 2017 I received an alert from my credit monitoring service that 27 late payments from Nelnet hit my credit report. All of those accounts now report as closed due to the fact that those accounts were consolidated. Since XXXX of 2017, I have struggled with Nelnet to correct this information because I would never have been notified of any problem with my accounts because nelnet had been sending information to the wrong email and mailing address. there was a mix up on their end. according to the rep I spoke with, the last rep I spoke with entered by personal information into their database incorrectly. Although I never received accurate reporting information regarding the accounts, Nelnet maintains that it can contact me anyway they choose. This is absolutely ludicrous considering that I have no idea who received my personal information because of their mistake. Nelnets response to this irresponsible reporting practice has been to keep these late payments on my credit reports, keeping me in financial ruin. 

account numbers as listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem lowering your monthly payments

During the application process for a Sallie Mae loan, I was not informed about the type of loan I was going to be receiving nor was I informed on the start date that the repayment would go into effect. Notwithstanding, the repayments went into effect immediately the loans were disbursed. And to settle the loan repayments, I called the company on XX/XX/2019 to attempt to lower my payments and they presented me with a monthly payment option of {$270.00} per month. Unfortunately, I earn less than {$1000.00} a month and when considering my other expenses, being able to cover that monthly bill becomes unrealistic. After I voiced my concerns to the company, they informed me that the only option I had available was to put my account in forbearance. And due to my limited funds available, I agreed and put my account into forbearance until XX/XX/2019. Before it was XX/XX/XXXX, I called the company yet again and they advised me that by not making a payment and waiting until after XX/XX/XXXX when the account is no longer current and calling the collections department, I would be able to lower my monthly payments. After I called the company XX/XX/2019, I was then redirected to numerous departments- customer service, collections, the account manager line, without making headway. While on the phone with the collections department representative, I was commanded to call back tomorrow and to request for the SSGR  program that it will lower my monthly payments and that I qualify for it, no questions asked. But when I called in XX/XX/2019, I inquired about the SSGR program and was told that I did not qualify. I even asked it there was something available to me that would lower my payments, being that I am now no longer current, and 2 days passed the payment due date, however, I was once again misinformed, misguided and left without reaching any plausible solution. There was no payment option lower that would fit my financial situation. Whenever I heard this, I asked what else I have available if my payments can not be made and the customer service representative replied and told me that if payments were not made the only thing they could do for me is register a delinquency on my credit report. Thereafter, I asked to speak to a supervisor and she completely shut me off, stating that there was nothing she could do and that moving the payment due dates to a later was impossible. She also stated as with the customer service representative that I did not qualify for the SSGR  program.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. Please update this account accordingly : ( XXXX XXXX )
Complaint sub-issue: Information is missing that should be on the report

I've called Equifax on several occasions about my XXXX XXXX card and my XXXX card not being reported. Both of these cars are showing on my XXXX and XXXX  files. They have told me on several occasions to contact my creditor and to let them know that is not reporting and that it is not an Equifax issue. I did as I was told in contact with the creditors to let them know that you can fax said that they are only reporting one of the creditors send and the creditors told me that they reported every month to all 3 bureaus. They have even gone as far as submitting an emergency report to Equifax twice and it still is not reporting.  They have even allowed a creditors to report the same account twice on my report. I really need this to report on my Equifax report because I am trying to purchase a home and their negligence is preventing me from doing so. Please help me to get Equifax to resolve this issue immediately.
Complaint sub-issue: Trouble getting a working replacement card

Hello, my name is XXXX XXXX. I have been trying to get my Relia Card, and is not possible to contact them at ANY time of the week. Once of the papers that I received weeks ago in regards unemployment benefits had this websote. Is there any way that you can help me to get  new replacement? my email is XXXX. Feel free to contact me anytime. Thank yo
Complaint sub-issue: Debt was result of identity theft

THESE ARE NOT MY ITEAMS
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX, account number XXXX, a collector for XXXX XXXX XXXX is trying to collect a debt I do not owe and is wrongfully appearing on my XXXX  credit file. 
At the time of service I had XXXX, XXXX XXXX XXXX XXXX, A GOVERNMENT INSURANCE that I have had most of my adult life and that was in full force and effect. 
The treatment was for XXXX XXXX XXXX XXXX that was completely covered by insurance.The insurance person at the hospital came to me after doing the paperwork and said regarding the insurance '' ok, everything is fine. ''
Complaint sub-issue: Credit inquiries on your report that you don't recognize

on XXXX I contacted the companies and the 3 bureaus and informed them that under federal law your in violation of 15 U.S code 1681n Infamis of pulls 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation I haven't received any response
Complaint sub-issue: Information belongs to someone else

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 recently verified my latest credit report and I noticed that there are unauthorized inquiries reporting fruadulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to consuct these inquiries without my permission or knowledge. The following inqquiries were incurred due to fraudulent charges, which means I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS INQUIRIES : EQUIFAX : XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and I have the right to privacy : XXXX Bank XXXX XXXX Late Payment from Bank XXXX XXXX, XX/XX/2020 Late Payments from XXXXl XXXX, XXXX to XX/XX/2020 2020
Complaint sub-issue: Debt is not yours

I recently got my annual credit report and I noticed a collection for Afni inc I disputed and it came back as verified but I never got any documentation to prove this debt belongs to me. I also never recieved a letter within 15 days to remind me of my right under the fair credit reporting act to dispute. I also contacted the orginal creditor to get documentation that the credit agency coudnt give me. The orginal creditor dosent have a signed contract with my name on it so how can this debt collection company verify this debt is mine. I will not pay this debt because the orginal creditor dosent even have a contract and I refuse to pay something I dont owe. Even though there isnt a orginal contract bearing my signature Afni inc is still reporting this account on my credit report which is a violation of the fair debt collection act. If I am not provided the orginal contract bearing my signature proving I owe this debt and I'm not provided license to collect in my state of Ohio I will not pay this debt and i will persue litigation for XXXX $ for violation of the debt collection act because this account still remains on my credit report
Complaint sub-issue: Account status incorrect

I have an old credit card account with First Progress from XXXX. In XXXX filed ChapterXXXX bankruptcy. First Progress was listed as one of my creditors set to appear at the Bankruptcy " 341 meeting '' in XX/XX/XXXX. First Progress never showed up for the meeting. I was reviewing my credit reports and notice that they are trying to collect on that old balance. I have asked the credit bureaus to list the account under bankruptcy which they did, yet speaking with my attorney since they received notice to attend the Bankruptcy " 341 meeting '' in XX/XX/XXXX, and they did not respond they foregone their right to collect on this debt and it must be removed from all my credit files.
Complaint sub-issue: Information belongs to someone else

Looking over my credit and seen some items does not belong to me. The accounts need to be deleted from my credit report immediately. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : 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: Report provided to employer without your written authorization

Hello, I checked my credit score and received inquires on my account that I did not receive any credit card or morgagte or anything from these places I checked and seen all inquires have been on my account which is hurting my score and I have not received the product and did not hand sign a application.
Complaint sub-issue: Debt is not mine

After reviewing my credit report, I came to realize that a debt was being reported twice by XXXX different companies, XXXX and Mainstreet Acquisitions. Original creditor is XXXX and that account 's date of first delinquency is XX/XX/XXXX. Mainstreet is not accurately reporting the date of first delinquency on my credit report and has the date opened as XX/XX/XXXX but is showing the collection as being reported XX/XX/XXXX. 

In conjunction with that, Mainstreet is reporting that my terms with them is " Terms : XXXX months '' on a paid, closed account despite me not having any signed contractual repayment terms with this company. This violates FDCPA 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as " Terms : 1 Month '' on my credit reports. 

On my XXXX report, this collection is being reported as open. With respect to the " Type Of Account : Open Account '' notation on my XXXX report : I do not have any known type of agreement or contract in writing or otherwise with Mainstreet Acquisitions that creates or procures any type of " Open Account ''. A revolving line of credit is known as an " Open-ended account where there is a possibility on continuing transactions '', and being that this is a collection account, there can be no " open-ended '' account terms. Mainstreet Acquisitions violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate information to a consumer reporting agency " Type Of Account : Open Account '' on my XXXX credit report. 

Mainstreet Acquisitions violates FDCPA 15 USC 1692e ( 8 ) by communicating credit information which is known or which should be known to be false, by reporting the account as " Type Of Account : Open Account '' on my XXXX credit report. 

I sent a letter to Mainstreet Acquisitions on XX/XX/XXXX requesting that the paid collection be removed from my credit reports with XXXX, XXXX, and XXXX, but have never received a reply despite including my address, phone number, and email address. 
Also, I recently changed my name to XXXX XXXX after getting married but my credit reports with the incorrect information will show XXXX XXXX.
Complaint sub-issue: Problem with signing the paperwork

I applied for a car loan. I placed a credit freeze on my account in  XXXX    XXXX   after I was the victim of identity theft. I had a new number then. Now, I applied for a loan and the salesmen is telling me that I have a freeze alert on my account. However, when I contact the  XXXX  major bureaus they are denying that I have a freeze. Thus, I have been denied credit because they can not verify that it is me requesting the loan. I have told them several times to contact me at my recent number but they said that they have to use the number that was on the initial fraud report. It is frustrating because I know that my credit is  Good.  The companies involved are :    XXXX   XXXX   XXXX       XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  of  XXXX , MS  XXXX   XXXX   XXXX  I have nothing against these companies. It is the credit bureaus telling me that I do not have a credit freeze ; but telling lenders that I do and lenders are caught in between.
Complaint sub-issue: Debt is not yours

I ran my annual credit report via XXXX and noticed a collection account on my report. It shows the account was opened with a debt collection company " I C System INC '' on XX/XX/2022, and the balance is {$100.00}. 
I already called XXXX to report this issue and notified XXXX there was some incorrect personal information on my report as well, including names, addresses, employer 's information, and social security number variation. Besides that, I already called I C System INC to find out if they have any related records, but they couldn't find anything unless I can get provide them with the full account number or reference number. I noticed the original creditor of the debt was XXXX XXXX, but I never open any account under this company. For now, this is all I have done related to my fraud.
Complaint sub-issue: Their investigation did not fix an error on your report

Please refer to complaint XXXX. XXXX took the appropriate steps and removed the items with the same documentation and citations of the errors. Equifax 's response is not acceptable as they did not state they have removed the erroneous item.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Disputed this claim in XX/XX/2022 when first brought by XXXX XXXX  file no. XXXX. Won the dispute. Now IC SYSTEMS INC another collection co. has reclaimed the very same dispute that was earlier won at all three bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

The XXXX credit bureaus have continued to allow the reporting of this XXXX XXXX Account to remain even after doing an investigation numerous times. The E-Oscar system is flawed & if this account isnt erased from my credit reports then I will be seeking my financial repair through legal action because an original creditor is not supposed to report a past due balance on a sold account. The bureaus wouldve known that had they done the investigation properly, this account has been reporting on my credit report inaccurate for some years & it needs to be deleted per the FCRA
Complaint sub-issue: Information belongs to someone else

This is in reference to consumer Financial protection Bureau # XXXX XXXX. XXXX XXXX XXXX responded in XXXX that this account was placed on the credit report in error. I have contacted XXXX and all 3 credit bureaus. XXXX and XXXX has updated their files. Equifax has not. The account is still showing. I contacted XXXX they're short me that they had sent an electronic email to all 3 bureaus. I contacted Equifax and Equifax told me they had not received anything. I'm getting the runaround. Please have Equifax delete the account as requested by the company.
Complaint sub-issue: Didn't receive notice of right to dispute

I was sold a Car by caravan my loan was through XXXX  and it went out in the first 7 days but I went over XXXX miles traviling home with car XXXX was cost to repair. I was told there was a warrant it wasnt they wouldnt let me pay on the loan.the car was repoed and sold for XXXX I was charged XXXX for car and now I owe XXXX for a car I had 3 days.
Complaint sub-issue: Account status incorrect

I have a credit card with XXXX XXXX  XXXX XXXX. I have always made all of my payments on time. One day I decided to check my credit on XXXX  when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my XXXX, Equifax and XXXX  credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and XXXX XXXX XXXX XXXX  with no successful resolution. XXXX, Equifax, and XXXX are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days late twelve times, and I was never 60 days late.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  accounts XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX and XXXX XXXX - XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. States a consumer reporting agency can not furnish a account without my my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing erroneous items with the bureaus since XXXX of last year ( XXXX ). 

XXXX XXXX and XXXX are my biggest concerns right now. 

XXXX XXXX is reported incorrectly. Each bureau reports a different date of last active. XXXX reports XX/XX/XXXX, XXXX reports XX/XX/XXXX and the payment status is : was past due XXXX or XXXX times. That's not even possible or accurate. It must be concise according to laws that govern credit. Equifax reports the date last active as XX/XX/XXXX and they keep reporting payments after it's closed. this is inaccurate and should not be on my report. They refuse to correct this. 

XXXX should not be on my report either. XXXX reports the Date last active as XX/XX/XXXX. XXXX reports the date last active as XX/XX/XXXX and they are reporting activity on a closed account. Equifax is also reporting the date last active as XX/XX/XXXX with current payments on a closed account. They will not fix this and it's against FCRA guidelines
Complaint sub-issue: Investigation took more than 30 days

Please look into these fraudulent accounts on my report it has been months and these accounts have not been validated on my credit this has really cause a problem for me to get my house and car I have medical bills that are disclosing my medical history thats a hippa violation and I have not received any information as to how these accounts have been validated on my report