Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

XX/XX/2018 - I found proof of payment for a debt posted on my credit report by XXXX / XXXX XXXX XXXX in the amount of {$180.00}. I submitted a dispute and proof of payment which resulted in the account being removed from collections and updated on my credit report. 

XX/XX/2018 - XXXX/XXXX XXXX XXXX reported once again for the amount of {$180.00} on my credit report again, causing my credit score to drop several points. 

I have already researched and provided proof of payment and documented evidence that this account was paid - I respectfully ask that this account be removed again from my credit report. The collection was reported erroneously for a second time and ask that it be deleted completely from my records. 

The following company has caused serious delay in securing a mortgage due to their errors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX I sent a validation of debt request Notice pursuant to 15 USC 1692g asking for an audit trail of the alleged debt and for I C System to Cease and Desist collection activity on my consumer report. 
XXXX The Notice was received by I C System Office, and the green return receipt was sent back to me.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed inaccurate reporting by XXXX Student Loan on my credit report stating that I owe of past private student loans. My records show that I have paid in full these loans. Over the period of the loans, XXXX Student Loan has sold the debt numerous times and at the same time continued to report the debt under XXXX Student Loan SLC. I contacted the company XXXX Student Loan is using called XXXX XXXX XXXX in XXXX FL, they were helpful in accepting that I provide my proof of payments for the XXXX Loans. I mailed 8 years of proof of payment which included the attached documents along with my personal bank account statements which showed these payments were made to XXXX Student Loan and their Creditors they sold the loans over the years. I ask for a full review and any records XXXX Student Loan has that showed I did not pay these loans in full. I received a letter from XXXX XXXX XXXX stating that XXXX Student Loan investigation response is that I still owe the loan amount and XXXX XXXX XXXX would continue to report on my credit the amount outstanding under XXXX Student Loan name. I was not given any proof that the current reporting on my credit report are linked to the Student Loans I made payments on. I believe XXXX Student Loan has sold the loans off and did not receive the payment I have records for and continue to collect and hold me liable. I am yet to hear directly from XXXX Student Loans on the proof of payments I have submitted to them and a reconciliation of the loans I paid off. They can not show any proof with the payment I made and how they were applied to the loan and why they continue to show a balance on the Student Loan accounts and reporting the account as charge off collection. These inaccurate reporting by XXXX Student Loan has damaged my credit rating and caused me to be turned down by banks, and financial agencies. I am exhausted at dealing with XXXX Student Loan and have no other place to turn to get them to correct and fix this error. I only ask that they reconcile the account and show me how my payments I've made of the years were applied to the loans I borrowed and explain why I owe them a balance they are claiming when my records showed I paid the loans off. Since I've contacted XXXX Student Loan and can not get them to provide me this information it seems that they are taking part in collection practice that is illegal and violation of the fair credit reporting act. If I could afford to file a lawsuit against XXXX Student Loan I would have done so as their response to my letters and their lack of providing proof of the debt and payment I made to XXXX Student Loan and its Creditors is something they have yet to provide me.
Complaint sub-issue: Reporting company used your report improperly

I've been disputing adverse information, non- public private information, and mixed file information with Equifax for years to no avail. I've also mailed numerous of written disputes to Equifax via regular mail, via certified mail, online via, Equifax 's website, and over the phone with Equifax to no avail. Pursuant to 15 USC 1681 ( a ) ( 3 ), Equifax assumed their role in assembling and evaluating consumer credit and other info on consumers, I never gave Equifax permission or consent to report anything about me on any consumer report. 15 USC 1681 ( a ) ( 4 ) states there is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy. Equifax 's consumer report about me is unfair & impartial because I was never consulted to verify if the information was accurate or if even wanted info reported at all. Equifax hasn't exercised their grave responsibilities as evidenced by hundreds of inquires they've allowed into my consumer report, the 2017 data breach, the recent revelation that Equifax has damaged millions of consumers by sending erroneous scores, as well as the continuous reporting of unverified accounts on my consumers report. Equifax has shown a complete lack of respect for my righto privacy, by reporting these accounts and inquires without my consent & written instructions. These actions by Equifa are also a violation of the XXXX XXXX, referenced by 15USC 6801and USC6802
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX  i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX  its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX  now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

credco have been checking my credit for months that i have never authorized
Complaint sub-issue: Need information about your loan balance or loan terms

I have a consolidation loan in normal repayment with loan servicer Great Lakes XXXX XXXX XXXX XXXX XXXX. I 've paid ahead on the level repayment plan, more than twice the minimum payment due each month, since loan inception. 
I have an automatic payment setup with direct draft from my checking account and this method has been in place as long this account has been in repayment. As a result I 've been entitled to an interest rate reduction of .025 % APR. 
In XX/XX/XXXX 2017 I had to change the payment date on this automatic draft and I was directed to suspend the automatic payment as the only way to achieve this outcome. I made the minimum payment due for XX/XX/XXXX and changed the withdraw date ( changed from the XX/XX/XXXX of each calendar month to the XX/XX/XXXX ) one week later than it had been, previously. 
Due to the suspension of automatic payment, which was resumed for the next month 's repayment, I lost the .025 % apr interest rate reduction. 
Automatic payments were resumed less than a week after the initial contact made to change the date of withdraw. The loan servicer has not confirmed the discounted interest rate has been reinstated after re enrolling in automatic repayments.
Complaint sub-issue: Information belongs to someone else

" " '' I have disputed this Charge off on this XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the  Fair Credit Reporting Act. '' '' ''
Complaint sub-issue: Debt is not yours

This company ( XXXX XXXX ), which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$870.00} with XXXX, XXXX, and XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXAccount # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any ITEMS which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$59.00} ; XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$1300.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$100.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Complaint sub-issue: Public record information inaccurate

I did not file bankruptcy in Texas because I live in Virginia, I disputed XXXX, Equifax, and XXXX  by submitting my husband 's military PCS orders, proof of residency since 2010, driver 's license, a letter from Texas court stating they did not give any of the credit agencies any documents that bankruptcy was filed, and a letter from XXXX XXXX stating that they investigated this with Texas court and did not find proof of a filed bankruptcy. I also file a FTC report with little assistance or feedback of removing the bankruptcy from the credit agencies.
Complaint sub-issue: Don't want a card provided by your employer or the government

I just received this Us Bank Reliacard in the Mail I understand this is for Government agency 's to help reduce mail. I haven't asked for anything and the card came to my address with the name XXXX XXXX? I'm not sure if this is fraud but I did report it to my XXXX account and will take it to my local Police department. We have had several neighbors on our street getting 1099G 's for unemployment? I don't want to be one of those next year. Can you please help us with this issue. From the research I have done on this that when I call US BANK the person that filed can get the money but they have no way of canceling this card. Who ever this person is doesn't live here and we don't know how they got our address or who's Social Security Number they are using Thank you XXXX XXXX
Complaint sub-issue: Problem lowering your monthly payments

The issue I am having is with XXXX XXXX XXXX XXXX XXXX. I owe a considerable amount in student loans and am facing a monthly payment that is not achievable for me at this time. I graduated with my second XXXX XXXX degree in XXXX 2016 and my payments for this company began in XX/XX/XXXX, little over a month after my graduation. My payments are ~ {$700.00} per month and my income is XXXX {$1000.00} per month. I have called multiple times to try to reduce my payments and have been told that I have already utilized all forbearance/deferment options and that there is absolutely no possible way to lower my payments. I explained that I would be more than happy to make regular payments, but just at a rate that does not include 70 % of my monthly income. I was told there was nothing I could do and that my account will default after 120 days past due and be sent to collections. My co-signer ( my father ) has come under difficult times : he was laid off and has since had many health issues, has undergone XXXX treatment, is currently applying for XXXX XXXX XXXX, and has no way of assisting me financially. I spoke to a manager at XXXX XXXX and explained the whole situation, and she even agreed with me that it would make far more sense to lower my payments than for my account to go to collections, where they would be unable to collect anything from either me or my cosigner ( because we do n't have anything of any monetary value to collect ), however she stated there was nothing she could do and told me to try to borrow it from someone else. I have no other options. I am doing my best to find full-time work that will pay for this. In the mean time, the past few months I have been paying the {$700.00} to keep it out of collections and not paying for other necessities ( e.g. other student loan payments, rent, food, etc. ). I am truly putting forth my very best effort to stay in good standing with this company and meet all of my financial obligations, however this is just not reasonable. I would very much appreciate any help/advice you can offer me to remedy this situation.
Complaint sub-issue: Problem accessing account

I have been trying to link my pnc bank account to a few apps and it's not allowing it. This is a problem with pnc bank that needs resolved asap
Complaint sub-issue: Trouble with how payments are being handled

At least twice I've requested that XXXX allocate excess payments to one specific loan and it has refused to do so.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX an online purchase was made at XXXX XXXX. The transaction was pid for with my wife 's XXXX credit card XXXX XXXX ending in XXXX. There was difficulty in processing the transaction and at 1st I attempted to use my XXXX XXXX XXXX CITI card XXXX but never received a confirmation. Subsequent XXXX 's also requested a hold authorization for the same amount of {$180.00} on the CITI card even though they billed my wife 's card.. The product has already been delivered and paid for via my wife 's cc but both XXXX XXXX and CITI refuse to release the hold of {$180.00} on my CITI card. I will upload proof that the product was paid for on my wife 's card.
Complaint sub-issue: Account information incorrect

XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Account paid and never late XXXX XXXX Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : I have never been late XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Account paid and never late XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Date : {$0.00}, Issue : Account paid and never late XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX/XXXX  - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX  XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX  XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX/XXXX  XXXX XXXX  - XX/XX/XXXX XXXX Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Issue : The inquiry was not authorized
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$15000.00}
Complaint sub-issue: Deposits and withdrawals

I have saved over XXXX dollars with the XXXX app. Your institution has stopped XXXX  from accessing my money to help me save. I want it back available to me!
Complaint sub-issue: Threatened to sue you for very old debt

This afternoon, I received a phone call from XXXX. They left the following message : " This is XXXX XXXX [ possibly XXXX  or XXXX ] calling from the XXXX XXXX. I need to verify a current address as well as a place of business address to proceed against you. At this time, you are forfeiting your right to take care of this matter outside of court. We will contact your Human Resources Department to follow proper protocol and procedure to serve you on the property. Again, the client is willing to rectify this matter if they hear from you today. Their number is XXXX and reference your case number. This is my final attempt. You've been officially notified. '' When I returned the call and asked for the name of their business, I was told it was " XXXX XXXX XXXX ''. The woman I spoke with told me her name was " XXXX '' but refused to give me her last name. She also initially refused to give me information unless I verified my Social Security number. I declined. Then she told me they were attempting to collect a debt on behalf of XXXX XXXX. When I told her that debt was paid successfully years ago, she grew irate and began pushing me to tell her how much I paid, and that I hadn't " paid in full '' according to her records.

While on the phone, I pulled up my credit report and told her I had XXXX   delinquent accounts, and the XXXX XXXX  account currently showed " Paid Successfully '', she accused me of being " one of those professional debtor XXXX   '' and hung up on me.
Complaint sub-issue: Was not notified of investigation status or results

I have sent several disputes notifying the company of federal violations. The company continues to recklessly report fraudulent and inaccurate information on my consumer report and refuses to properly investigate my disputes.
Complaint sub-issue: Charged too much interest

on or about XX/XX/2021 i was given an adjustment of about XXXX by a supervisor in ohio ... named XXXX ... he said the adjustment would show in 2 business days ... after 2 days the adjustment, still was not on my account ... i called and another supervisor in arizona told me they would have to verify this by listening to the call.. they listened to the call and verified my balance was XXXX .... the supervisor than told me she refuses to honor this ... .so they think they can go back on there agreement .... even after verification ....
Complaint sub-issue: Information belongs to someone else

There are accounts listed on my credit report that do not belong to me. Please remove them immediately.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. The following inquiries below need to be REMOVE COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXXDate of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Complaint sub-issue: Was not notified of investigation status or results

I have a DISMISSED Bankruptcy that was filed in XXXX and is almost at the 10 year mark ; I have disputed it with the bureaus trying to get it removed prior to the 10 years, especially since it's dismissed and doesn't legally exist any longer and can only be verified through public record. My first dispute with the bureaus was on XX/XX/XXXX followed by a 2nd dispute on XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried numerous times to formally resolve this matter with Equifax to no avail. I am asking your assistance in this matter to resolve it in accordance with the law. I sent a certified letter ( XXXX ) via USPS that was received on XX/XX/2022 to dispute an account ( XXXX XXXX XXXX XXXX ; ACCOUNT # XXXX ) on my credit report from Equifax XXXX I received a response from Equifax stating the account was updated on XX/XX/2022. I sent out another certified letter via USPS ( XXXX ) asking a description of the investigation that was received on XX/XX/2022 ensuring the 30 days had past to ensure the was no in the 30 days from receipt of my dispute. To this day I have not received any response of a description of the investigation as per FCRA 611 a ( 7 ) which states a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. It is now XX/XX/2022 which would make it 69 days from that request. I have several attempts with Equifax obtain the information via USPS certified mail ( XXXX, XXXX ) but have not had any success. I have received a credit report from Equifax stating the account was verified each time after that. How can the account be verified without sufficient evidence. Equifax also violated FRCA 623 for the required notice of dispute within 30 days upon receiving a dispute. As of XX/XX/2022 the required notice of dispute is not on the credit report I was sent via USPS nor is it on my credit report on Equifaxs website. This account needs to be removed due to the violations of the FCRA. I will provide evidence of for the violations that have occurred.