Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

I was told by the state in XX/XX/XXXX I owed a balance. The balance was paid and shown paid off as of XX/XX/XXXX as the money was taken from my taxes. 
Lien was placed on my credit report, however account has been documented as satisfied. I contacted IRS to have this removed they advise they do not handle removal of liens and to contact my credit bureau I contacted credit bureau and they advised not sure if it can be removed would be escalated to resolution team and i would receive a response in 30 days. It has been well over 30 days.
Complaint sub-issue: Old information reappears or never goes away

LexisNexis has my phone number associated with a XXXX XXXX. I originally contacted them in XXXX of XXXX and asked that they remove my phone number from the account for XXXX XXXX. The person I spoke with informed me that the only way to remove the number is for them to send a letter to the address on file. I explained to the person that not only do I not live in the state of Texas, I have no association with that address and would be unable to receive correspondence. I contacted them again in XX/XX/XXXX and was able to have someone verify that my phone number was not associated with XXXX XXXX, however, they would only put a statement on file to not contact the XXXX XXXX at that number. Im receiving more calls and texts now, so that clearly did not work. I want my phone number permanently removed from XXXX XXXX account. I am royally confused to their persistence in keeping information on someones account that they know is incorrect. It takes a lot of time to figure out how to speak with someone at LexisNexis.
Complaint sub-issue: Debt was paid

So they contacted me a few months back about settlement of the debt. I paid as agreed unelder the impression that would do their part and remove this from my credit. They did say paid as settled on my report but it still shows as negative. This really needs to be removed due to the inaccuracies of reporting. This has impacted my credit tremendously and needs to be removed asap!
Complaint sub-issue: Didn't receive enough information to verify debt

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ERC would verify the debt. So I took it upon myself to ask ERC for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Complaint sub-issue: Account information incorrect

To whom it may concern, I'd like to begin by stating that with every dispute and or complaint given I am keeping all documentation including the company 's rebuttal 's in means to having all evidence for a law suit if needed. 

On XX/XX/XXXX I received a response from Vice President XXXX XXXX from First Progress Card in regards to my last complaint submitted. In the letter Mr XXXX states that " First Progress worked with Synovus to prepare the response as part of Synovus ' standard oversight of First Progress. '' Please note that I have already previously spoken to a Synovus   representative in regards to the account # XXXX. In that conversation the representative stated that " Synovus  had nothing to do with Credit reporting as to them being solely the Bank/Backing for First Progress Card and that all disputes and information would have to go through First Progress directly. '' Mr XXXX then goes on to state that " First Progress has only ever reported this single account to XXXX   and the other credit bureaus. The attachment to the complaint is not provided by their company and they therefore can not address my claim that seven ( which is now showing 8 ) chargeoffs have been reported on my account. '' I find this rebuttal from Mr.  XXXX very funny, tacky and absurd on top of being a blatant lie, because it's clear as day that their company is the one reporting the incorrect information because THEIR company ( First Progress/XXXX XXXX ) is the one listed on my credit file that you'll find attached clear as day! Mr. XXXX then goes on to state that " their credit reporting has been accurate and in the absence of a reason why their credit reporting of the unpaid balance would have been inaccurate, they are therefore unable to submit a request to the credit bureaus to remove the account from my history. '' In rebuttal I have attached my credit XXXX  Credit file to this letter to show and PROVE that First Progress/XXXX  XXXX has been consistently reporting incorrect and fraudulent information to my credit File. Also again please note that as requested I asked for verification of the account belonging to me with something with an actual wet signature and nothing has been provided. Secondly please be aware that in the State of Nevada the Statute of Limitation is 4 years in which this account has been past since XX/XX/XXXX Thirdly  again under the FCRA LAW and as a consumer being able to exercise my rights please be clear that this company is not following the FCRA guidelines or rules in which ALL information reported by a creditor needs to be up to date, correct and true in which this Creditor has not been and is unwilling to follow the law. First Progress has been reporting out of date, fraudulent and incorrect information to my credit file since XXXX and this item needs to be removed from my credit file within 15 days under the FCRA Law. Please see attached the letter from Mr. XXXX as well as my actual XXXX Credit file showing the 8 chargeoffs and late 's and other incorrect information reported by First Progress/XXXX XXXX after the account being closed on XX/XX/XXXX.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

Several accounts were opened in my name and with my personal information without my consent or knowledge on XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX. When I found this out in the month of XXXX of XXXX or XXXX ( I believe it was the year XXXX ) I called all three credit agents and provided them crucial evidence that validated my statement that fraudulent activity was happening to me. The evidence that I provided was government documentation stating that I had been incarcerated at the XXXX XXXX jail during those dates due to a XXXX XXXX and that the fraudulent activities that transpired were not me.Not only do I not have access to a phone or computer to make such transactions reported by the three respective credit bureaus, it is physically impossible. After reporting this to the agents at the credit bureaus, absolutely nothing was done nor investigions were made. I know that according to the Fair Credit Reporting Act, under several sections mentioned but mostly The Administrative enforcement ( 621 ), comliance with the requirements composed under this title shall be enforced by the Federal Trade Commision Act with respect to consumer reporting agencies. A violation of any requirement or prohibition imposed under this title shall constitute an unfair or deceptive act in commerce in violation of section ( 5 )... If you proceed to read you will find that grave mistakes have been made regarding my filed claims of fraud to all three credit bureuas. And nothing was done when I submitted proof of my inability to make transactions. I want immediate attention to this and the remaining pending cases and according to the FAir Credit Reporting Act, I am entitled to financial compensation given I have spent almost two years paying an outside company to get these items removed from my credit.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act Discover, accounting ending in XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Complaint sub-issue: Received bad information about your loan

My complaint is against Fedloan Servicing, the company who has managed my student loans for over 20 years. I believe that I was eligible for the TEPSLF program yet denied repeatedly. I have been a full time XXXX XXXX XXXX for 22 years, and my student loans have never been delinquent. 

This is my second complaint regarding this matter. Fedloan Servicing responded after my first complaint, but has once again changed the requirements to qualify for the TEPSLF program. In addition to the following timeline, I have included emails as evidence of my claims. 

XX/XX/XXXX - I applied for PSLF XX/XX/XXXX - Fedloan Servicing notified me that I did not qualify for PSLF XX/XX/XXXX - I applied for TEPSLF XX/XX/XXXX - Fedloan Servicing denied my application stating that I did not apply for PSLF ( not true ) XXXX XXXX - I resubmitted PSLF application XX/XX/XXXX - Denied again for PSLF ; Reapplied for TEPSLF XX/XX/XXXX - Fedloan Servicing denied TEPSLF, stating that I did not have all 12 qualifying payments ( I think I was 2 short ) XX/XX/XXXX - Spoke to Fedloan representative who told me I should now DEFINITELY qualify for TEPSLF ; I applied for TEPSLF XX/XX/XXXX - I received an email from Fedloan Servicing stating that I did not qualify for TEPSLF due to not having 120 qualifying payments ( a major change from 12 qualifying payments ) XXXX XXXX - Submitted a complaint to CFPB ( # XXXX ), because Fedloans changed the qualifying terms. 

XXXX XXXX - Fedloan representative claimed they did not change the term of the loan, and that I did not qualify for other reasons they could not explain. This information was not consistent with the email they sent. I sent another request for TEPSLF XX/XX/XXXX - I received an email that once again I did not qualify for TEPSLF. This time, they went back to stating only 12 qualifying payments were needed, but they claimed my payments were not enough. The email states that my payments needed to be at least {$620.00}. I had been paying {$760.00} every month since XX/XX/XXXX. 

XX/XX/XXXX - I spoke with a supervisor at Fedloan Servicing regarding my qualifying payments and why I did not qualify for TEPSLF. She said 2 of my loans still did not qualify ( this made no sense to me ), but she assured me that I would qualify in XX/XX/XXXX. 

XX/XX/XXXX - Prepared to resubmit my request for TEPSLF but discovered Fedloans had once again changed the requirements from 12 to 120 qualifying payments. 

This process has been emotionally draining, time consuming, and upsetting. I have complied with Fedloan Serving and met their original requirements of the TEPSLF program only to be repeatedly denied. I believe this company is committing fraud and should be investigated.
Complaint sub-issue: Was not notified of investigation status or results

Hey, I received your letter about closing my complaint. why the XXXX would you that? who else would be complaining about my personal information besides me? That's XXXX. I would ask you once more time to take action about the credit bureau not doing anything about my disputes. I am trying to get a house soon, so would you just please please
Complaint sub-issue: Information belongs to someone else

UNDER THE FAIR CREDIT REPORTING ACT. THESE ACCOUNTS HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT ACCOUNTS TO MY CONSUMER REPORT. FCRA IS A FEDERAL LAW THAT HELPS TO ENSURE THE ACCURACY, FAIRNESS AND PRIVACY OF THE INFORMATION IN CONSUMER CREDIT BUREAU FILES. XXXX, EQUIFAX, AND XXXX HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT AND FALSE INFORMATION TO MY CREDIT REPORT. THESE ACCOUNTS LISTED BELOW IS FRAUDULENT : 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 YOU, XXXX, EQUIFAX, AND XXXX, HAVE VIOLATED MY RIGHTS BY REPORTING THESE ACCOUNTS TO MY CREDIT REPORT ACCORDING TO [ 15 USC 1681 ( a ) ( 2 ) ( B ). FAILURE TO RESPOND SATISFACTORILY WITH DELETION OF THE ABOVE REFERENCED ACCOUNTS, AND SEND OUT A FREE COPY OF MY CREDIT REPORT AFTER THE CHANGES HAVE BEEN MADE WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST YOUR AGENCY, FOR WHICH I WILL ALSO BE SEEKING {$1000.00} PER VIOLATION FOR : DEFAMATION OF CHARACTER 2. NEGLIGENT ENABLEMENT OF IDENTITY FRAUD XXXX. FAIR DEBT COLLECTIONS PRACTICES ACT 15 USC 1692g VIOLATIONS.
Complaint sub-issue: Reinserted previously deleted info

I have been disputing with Equifax over my XXXX XXXX account. I have spoken with XXXX XXXX and the other XXXX credit reporting agency have removed the XXXX XXXX from my report. I am on a payment plan with XXXX XXXX I have to pay them XXXX per month. I have spoken with XXXX manager and she said that it has been reporting it correctly that I am paying on time each month. There is nothing in my file with XXXX XXXX that says I am 120 days past due. On my equifax report it states that itis 120 days past due and it is hurting my credit score. My credit score with experian in XXXX and XXXX with equifax. I need this removed from my credit report or say I have been paying agreed and not late and an updated credit score. this is not fair. I also am having another issues with equifax on its reporting and will be disputing incorrect information on my report.
Complaint sub-issue: Investigation took more than 30 days

I asked  XXXX  to verify the account and they still have not even aft er 4 ce rtified mail request to do so, I currently have a lawsuit against them, as well they marked my account late 30 days several times and I never got notifications but by the credit reports after the fact, I have not seen the car f or 2 week s after purchase as I was a supposedly a co-signer, they also failed to place on my credit report that the account has been disputed by me.     I also have lawsuits agains  XXXX , Equifax and   XXXX   for not doing anything about this unverified account even though they have been told about it via certified mail numerous times and they have not responded to any of my letters for verification as well
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX are reporting incorrectly a current balance of {$16000.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle broke down and was covered under the factory/dealership warranty. The dealership would not honor the warranty and consequently would not fix the vehicle. I returned the vehicle back to the dealership. I was told that there was no outstanding balance due. I was not aware there was a negative item reporting until I obtained my most recent copy of my credit report. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

A mysterious secured loan account appeared on my credit reports from XXXX XXXX XXXX, it states that it was open on XX/XX/XXXX, states that it has been 30-59 days late with payments, last payment on XX/XX/XXXX, and that the account is now closed.  I did not open and secured or unsecured loans in over a year.  I have never heard of XXXX XXXX XXXX.  This is fraud.  I have contacted them and the credit bureaus and it still is showing on my credit reports. XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Complaint sub-issue: Used obscene, profane, or other abusive language

On XX/XX/22 I noticed that a collection account was furnished to XXXX, XXXX and XXXX without my consent or knowledge. L J ROSS ASSOCIATES reported an account # XXXX with a balance of {$2500.00}. I have no agreement or contractual obligation and have no idea who this company is. My privacy has been violated and my reputation has been negatively affected due to the misconduct of this corporation. 

Please Review attachment
Complaint sub-issue: Threatened or suggested your credit would be damaged

I have contacted AES/XXXX several times over the past 5 years to have negative debt that they have no proven is owned by them or owed to them. I have disputed this information numerous times with Experian and XXXX XXXX and still 4 private student loans that have not been validated with proper chain of custody or assignment. These accounts are ruining my credit and preventing me from being able to purchase a home. I have a Ch XXXX bankruptcy that was uncontested and therefore XXXX XX/XX/2012. There are several lawsuits against this student loan company and there subsidiaries ( XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX ) for wrongful lawsuits that resulted in default judgments that were filed after the statute of limitations had passed and without proving ownership of said loans. I would like for this incorrect information to be removed from all 3 credit bureau reports and XXXX XXXX report. The following is the information showing for the loans as of date. The duplicate accounts were removed from my XXXX and XXXX credit bureau reports that were listed under XXXX XXXX, however, they still remain on XXXX   and XXXX XXXX reports as shown below. 

AES/XXXX {$62000.00} AES {$27000.00} AES/XXXX {$13000.00} AES {$10000.00}
Complaint sub-issue: Debt was result of identity theft

Account Name : PROG MGT SYS Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$110.00} Reason : Identity theft Please remove it from my Credit Report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Last year I contacted the credit agencies by mail and mentioned to them about the unauthorized hard inquiries on my credit report and submitted my identification and electricity bill. I asked them to remove them from my account. Till this day they aren't removed nor did I receive a response
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax keeps verifying and verifying and verifying on a derogatory remark that I DO NOT OWE.. XXXX and XXXX already removed it but it keeps coming back verified with no signature or legal documents on Equifax. Ive sent them 3 letters asking them for verification purposes biding my signature XXXX, XXXX and XXXX/XXXX/XXXX. All they say is verified without any legal documents or no proof. Its gotten to the point where its affecting my daily life because an apartment complex is reporting is me to a credit bureau on a lease Ive never signed. Also my very last letter I sent on XXXX/XXXX/XXXX they never contacted me back in writing. Theres also 1 more item on my report thats theyre giving me problems with thats unverifiable. The amount of both deragtory marks are {$2700.00} - for the apartment lease I never signed and {$150.00} that I have no clue about.
Complaint sub-issue: Information belongs to someone else

I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of.
Complaint sub-issue: Debt is not yours

I recently pulled my Credit Report from all three of the credit reporting agencies ( XXXX XXXX XXXX XXXX ) a have noticed a collection from ERC that was placed on my report on X/XX/2017. It states that they are collecting for a XXXX account in the amount of {$1200.00}. I have never had an account with XXXX and I also have never had anything with ERC either. I have never had an account with this company I have never spoken to this company and I do not have a contract with this company. This is an incorrect debt and false debt that ERC placed on my report. I filed a compliant with the Better Business Bureau and ERC sent an email to email address that was on the compliant asking me to enter personal information to see the message. I did not. They also sent in the mail what looks to be an old phone bill with my personal information on it. They have yet to provide me with a signed contract with my signature. They are asking me to fill out a fraud form with XXXX. I will not do anything with this company because they have yet to provide me the documents that say i owe this debt. This account has been disputed and ERC refuses to remove from my credit reports. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must delete.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

To Whom It May Concern : I am having issues with Discover card billing resolutions. It is probably one of the most incomptent department you can imagine.

I purchased the item on XX/XX/XXXX2017 from XXXX for XXXX Item was returned to XXXX using their prepaid XXXX label. Item was returned, however, XXXX  did not give me any updates. Then I contacted them multiple times, they claimed that the box they received was empty. After confronting, and getting XXXX chat help involved, XXXX said it was not empty ; and XXXX then opened the case saying someone will respond to me in couple of days. I got no response. Then I tried again, the same thing happened. So I contacted Discover, asking to help me to resolve the issue. I got a lot of bubble gum, overly fake and sweet type of treatment, promising they are doing their best. Then few months later I found that the balance was higher than it supposed to be. Turns out the charge was reversed, and no notification was made by mail. So I had to contact them again, and re-explain the entire story. The case was reopened. Few days ago I checked again the account to see if there is nothing unusual, and I found again higher than normal balance. Turns out the charge was again placed back on my account. In dispute page it says 2nd review found the charge to be valid not sure how did they conduct the review. So I initiated again the chat with billing department. I got XXXX, if I am not mistaken, ( the same I dealt with at the start ) to talk to. She said she needs some proof with the weight. I had to reexplain the situation all over again. And I had to guide her to check my supporting documentation, which were a given XXXX  label from XXXX and proof of delivery from the XXXX  showing the weight. So I was told that oh they did not notice it because the weight information was so far on the bottom of the slip. According to previous rep- he already put the notes on this case before with the details. So I dont understand 2nd review found the charge to be valid without even looking into it?

Then on the top of that I was told that the billing rep would not be able to reopen the case for me, needs supervisor to look into it, and supervisor was not yet at work. I think I spoke with them around XXXX so OK. I contacted them next day, I was told its under review. It was XXXX. I asked if I can talk to supervisor myself, it only takes 30 seconds to check everything out. XXXX told me that supervisor is not working. I asked for hours of supervisor- turns out supervisor does not even work. No one knows when he works. Today its XXXX day still nothing. And they bill me higher minimum payments for this, report to credit bureaus higher balances, and charge the APR for this. This is completely unacceptable.

I attached the documents for a review for both CFPB as well as for Discover.