Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble with how payments are being handled

I recently applied for Public Service Loan Forgiveness and have been employed in the public sector with the same employer for over 10 years. I have always paid my loans via auto-pay through my old servicer, XXXX XXXX. 

Today ( XX/XX/XXXX ), I was able to see the number of payments that qualified towards the program. For some reason, starting in XXXX FedLoan stopped counting my payments as being qualified to the program. FedLoan stated they will investigate my situation, but it will take 6 months to a year to complete it ( via phone XX/XX/XXXX ). I contacted my old servicer and they indicated I made no late payments ( via phone XX/XX/XXXX ). I also have autopay records going back to my first payment. 
FedLoan has announced they will stop being a servicer before the early end of that time frame quoted for their investigation, so I am stuck in a long-term limbo.
Complaint sub-issue: Debt is not yours

I would like for XXXX XXXX XXXX Service to show proof of verification that I owe them {$320.00}, {$470.00}, {$620.00} with ACCOUNT XXXX. As of date, you have not provided me with a XXXX for my review and my records. I am asking that you do this now. In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed ABOVE. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.
Complaint sub-issue: Reporting company used your report improperly

Released my personal information in security breach
Complaint sub-issue: Information belongs to someone else

Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third party agency. Please see my attached documentation as it contains my request.
Complaint sub-issue: Account status incorrect

I have previously disputed this account. I am disputing this again however I am including new information not previously sent in a dispute. The account I am disputing is US Bank  XXXX. The new information for this dispute is the following : US Bank is reporting 23 months of charge offs. That is incorrect. The status of this account reporting is incorrect. In addition, this account is also too old to remain on my credit report. Identity documents, including valid photo ID and address verification, have been submitted to this complaint.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX {$0.00} XXXX {$14000.00} XXXX XXXX XXXX {$1000.00}
Complaint sub-issue: Problem with customer service

This complaint is regarding Mohela and their lack of response to employment certification for XXXX XXXX XXXX XXXX ( XXXX  ) and my eligibility for forgiveness through the XXXX program. 

On XX/XX/XXXX, I submitted a XXXX  application document through their website with employment verification from my employer, XXXX XXXX. I have confirmed they received the document and it is listed on their website as uploaded and " processed. '' On or around XX/XX/XXXX, I received notice from Mohela that my other uploaded applications certifying employment had been processed and a change in qualifying months was observed. My XXXX application for XXXX XXXX ( submitted on XX/XX/XXXX ) also stated it had been " processed '' ( as did the other applications ) however those months are not counted. On XX/XX/XXXX I submitted the same XXXX  application document that was submitted on XX/XX/XXXX. 

In XX/XX/XXXX I contacted Mohela to inquire the status of my XXXX application, the reported it would take XXXX  months to process but declined to comment on the fact that my initial XXXX  application for my employment with XXXX XXXX was submitted XX/XX/XXXX, which was XXXX months from the date of my call. 

The XXXX application submitted on XX/XX/XXXX ( and resubmitted on XX/XX/XXXX ) will satisfy the remaining XXXX  months of employment certification that will bring me to XXXX qualifying payments which will qualify XXXX of my loans for forgiveness. Loan # XXXX disbursed XX/XX/XXXX = XXXX, Loan # XXXX disbursed XX/XX/XXXX = XXXX, Loan # XXXX disbursed XXXX XXXX and Loan # XXXX disbursed XXXX {$8400.00}. Totaling {$24000.00}.
Complaint sub-issue: Don't agree with fees charged

Have received Sallie Mae biilling notice, acct # XXXX, but not sure that all XXXX loans are in my name or son 's name. The bill is not clear, there is no date that the loan was taken out, for what person and what schoo. XXXX of the loans I am wondering if it was even mine ( ours ). The other concern is the high rates 10.375 %!!! I am a little surprised at the high rate -- they should be fairly low ( lower ) due to the low interest rate as well. First Salle Mae 's billing summary stinks and is not clear ( I should easily have access to my account to clearify what ( school ), when and to whom the loans are for because there maybe an error. Secondly I would like to consolidate or at least get lower rates, Sallie Mae does not provide that information as well. Concerend there is an error in my loan. Sincerely, XXXX XXXX
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 ITEMS 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 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 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: Reporting company used your report improperly

Under XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) In general Subject to subsection XXXX c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 


I, never gave any XXXX party any written consent to report anything on my consumer report. No contract is identity theft. 

Concerning all accounts as a consumer I am demanding a deletion of these accounts. 


Under XXXX XXXX XXXX XXXX. Multiple debts ; If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector XXXX not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX Student Loans have been discharged by the US Dept of Education. The status of the loans are XXXX ( {$0.00} ) and closed. XXXX is internally closing out the loans and sending them back to US Dept of ED. The credit bureaus should be prepared for the millions of discharged loans, and be able to update credit files expeditiously. I have submitted all 3 bureaus with unrefutable proof of this, and they still are reporting incorrect information. 

Here is additional information : print out of my acct statement from XXXX that shows my loans are at XXXX ... ...... 

FIX MY XXXX  CREDIT REPORT XXXX XXXX, EQUIFAX AND XXXX. Before I had this to my currently lawsuit against 2 of you all.
Complaint sub-issue: Account status incorrect

Multiple letters have been mailed off my request to have certain inaccurate accounts removed from my credit report and it has been well over 30 days and I have received no response from the credit bureaus.
Complaint sub-issue: Account information incorrect

XXXX XXXX Balance : {$0.00} GENERAL REV XXXX Balance : {$690.00} XXXX  XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX Balance : {$4500.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Complaint sub-issue: Was not notified of investigation status or results

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been a year since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Debt was result of identity theft

I am a victim of Identity theft.On XX/XX/21 an unauthorized account was opened in my name with Citibank. To this date XX/XX/21 approximately {$3700.00} is owed .this amount is in my credit report.I did not authorize this account to be opened and it Was opened without my knowledge or consent.
Complaint sub-issue: Investigation took more than 30 days

on XX/XX/2020 i Contacted XXXX, Equifax, And XXXX  about inaccurate information reporting to my credit report. According to the fair Credit Reporting Act section 609 this companies are required to verify information being reported on my credit report. On XX/XX/2020 i followed up with the bureaus because i Didn't get a response. Today is now XX/XX/2020 and i still have not received a response. I have been waiting for well Over 60 days this a a violation.
Complaint sub-issue: Information belongs to someone else

last year I discovered that there where many fraudulent accounts on my credit report, and I did go to the XXXX  POLICE department and filed a ID Theft report and also I went online FTC site and did the same with them. And I did send all the required documents and copies ( several times ) to Equifax several time with a request to open an investigation and to remove the fraudulent accounts from my credit report. Its been almost one year Equifax is refusing ( ignoring ) to do their responsibility.
Complaint sub-issue: Problem getting my free annual report

I have been waiting since XXXX XXXX for my annual credit report from Equifax. 
Equifax claims they mailed credit report on XXXX/XXXX/2016. Nothing received to date.. 
Four months is long enough to wait for my credit report from Equifax. 
There is no person customer service telephone number for Equifax.
Complaint sub-issue: Information is not mine

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX, XXXX XXXX XXXX Number Num : Balance {$220.00} Sir or Madam, I am writing in regards account XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Complaint sub-issue: You told them to stop contacting you, but they keep trying

TitleMax is calling me about someone elses dept. Someone used my name and number as a refference without my promission. I've asked them several time to do not call me because I didn't give that person promission to us me as a refference, but they still keep calling me almost everyday asking me to contact the person that owes them money and have them call.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information is missing that should be on the report

XXXX XXXX XXXX ( FICO ) - XXXX and Equifax are incorrectly calculating and reporting my credit score. I was told I have a " split '' Equifax file where when FICO runs an algorithm to determine my score sometimes FICO sends all information in my report and other times sends partial information. This inconsistency causes fluctuation in my score of more than 100 points monthly making it an unreliable and incorrect indicator of my credit profile and harming my consumer profile with creditors. Both companies are aware of this yet nothing has been done to address or fix the problem.
Complaint sub-issue: Information belongs to someone else

It appears that my Complaints # XXXX, XXXX, XXXX have been closed last XX/XX/XXXX. Again, I was going through my records & noticed many information and accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute 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 these files. XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, M ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$970.00} ; XXXX  XXXX  XXXX Balance : {$0.00} ; XXXX- XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$910.00} ; XXXX  XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX/XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy US BKPT CT MO XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Federal Reference XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy U.S. Bankruptcy Court Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Complaint sub-issue: Account status incorrect

THE DISPUTED ACCOUNTS HAS BEEN PAID FOR IN FULL IN A SETTLEMENT AND I AM REQUESTING THAT ITS REMOVED ON THE THREE REPORTING CREDIT BUREAUS.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Y ou need to get this XXXX off immediately as it is not authorized and damaging to me and may be actionable for statutory damages and punitive damages ... XXXX XXXX.. If you do not remove it from my record, please provide me with written proof of every detail shown in your entry
Complaint sub-issue: Can't qualify for a loan

I was an authorized user on this account. I filed a personal bankruptcy in XXXX and including this account. It is currently showing open and in collections. Also the company has reported to the credit agencies that the last deliquency was reported in XXXX which is also false. The last date of delinquency was in XXXX XXXX. It has been over 7 years, this item should be removed from my credit profile based on the all the facts above. 
1. I was an authorized user2. It was later including in a Bankruptcy3. It is pass the statue of limitation of 6 yrs to collect and 7 years for derogatory credit reporting. 
I have tried every I know how for several years to get this deleted from my credit file with no resolve. Please assist.
Complaint sub-issue: Trouble using the card to spend money in a store or online

I had a XXXX  dollar balance on my card. I tried to use it at a merchant XXXX   XXXX. Despite the balance, Square cash illegally denied me access to my funds and denied my transaction 3 times for XXXX dollars. 

I complained to customer care who came back with a lie that the merchant doesnt allow visa cards. this is obviously a lie for multiple reasons : 1. My friend eventually used a square card. 
2. The decline was from Square cash and NOT the merchant as I can see the decline in the app without any reason. 

The customer care agent after copy pasting the same response once stopped responding. This is close to my friend 's experience who once had an issue and due to inept customer service stopped trying to resolve her issue.
Complaint sub-issue: Debt was paid

XX/XX/2016 was sold to a collection company from XXXX XXXX XXXX, it was with XXXX XXXX XXXX for 3-4 years prior to that, I ditched cellular service to XXXX and XXXX   was paid in full by XXXX to move my device, and they where repaid by me the full amount about 7 years ago ... disputed credit report with XXXX   and removed after investigation, XXXX refuses to remove the negetive mark from my report.
Complaint sub-issue: Investigation took more than 30 days

I am very upset with this issue. I sent a letter to the credit bureau over a month ago regarding inaccurate accounts on my report. It is now 45 days later and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax had a XXXXard inquiry on my credit file on XX/XX/XXXX Hard Inquiry made by XXXX XXXX. This inquiry was not authorized by me and don't remember inquired anything from XXXX. 

Equifax had a XXXX inquiry on my credit file on XX/XX/XXXX Hard Inquiry made by XXXX XXXX. I was misinformed that This inquiry was not going to reflect on my Personal credit report, since it would be under ( XXXX ) Business account it would be a Soft pull on my personal report to verified my identity and hard pull on Business DUN number.
Complaint sub-issue: Information belongs to someone else

DEPTEDNELNET XX/XX/2013 this is the date this account was opened on my credit report which I want a dispute because it doesn`t belong to me.
Complaint sub-issue: Was not notified of investigation status or results

Hello, I submitted Complaint XXXX on XX/XX/2022, against Equifax. Equifax responded today. Equifax responded to my complaint as quoted, " In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. We hope this resolves your concerns. '' Equifax did not even read my complaint. My complaint was not about a furnisher. My complaint is about EQUIFAX. Equifax is reporting wrong data. NOT THE FURNISHERS! My Equifax ANNUAL REPORT and myequifax Dispute Center report is reporting the wrong AGE OF THE ACCOUNTS. THIS IS SERIOUS. Equifax can not continue to report bad data and ignore the problem. This is ridiculous. 

I have also been paying monthly for a credit monitoring daily report when the data is always wrong. I am going to contact the CEO and other government agencies about this serious issue. 

How is Equifax getting away with not even addressing issues? I am going to notify people about this issue until someone finally understands the seriousness.