Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information incorrect

My name is XXXX XXXX XXXX my DOB is XX/XX/XXXX SS XXXX my current and only address is XXXX XXXX XXXX XXXX , XXXX, OH XXXX. I have some issues with my name appearing on my credit report incorrectly my on name should be XXXX XXXX XXXX, please remove any other variation of my name. I have several addresses showing that are not mine they are not accurate please delete the following : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX It could be possible maybe a Ex Spouse address that I am not associated with.
Complaint sub-issue: Their investigation did not fix an error on your report

Un Verified Accounts Pursuant to the FCRA & the FDCPA I am filing this complaint to exercise my lawful right to question the validity of two specific debts that all three credit reporting agencies have on my credit file and claims to have become due and negative. 

According to the FCRA, if a credit file is going to be reported on a consumer 's report it has to be properly verified by the credit bureau. The FCRA states that the bureaus are the ones that have to keep this verification on file. 

I am well aware that under the FCRA section 609 disclosure to consumers, a credit reporting agency is not required to remove accurate derogatory information from my file, unless the information is outdated under section 605 or can not be verified. 

All three credit bureaus have placed this information into my credit file with NO VERIFICATION! Nothing has been done as to whether these accounts are valid, hence they are Unverified! I understand that All Three Credit Bureaus have violated my rights to report these items on my credit report! 

Fair Credit Reporting Act ( FCRA ) protects me and governs the activities of Credit reporting Agencies and regulates how they report information about me. 

They are required to have copies of the original signed credit application in their files, which they have failed to provide to me. Each time I dispute these two entries it has come back as verified within a few days, which further lets me know that they have not fully verified the accounts. They are required to have a copy of the credit application that I signed when I supposedly opened the credit account with the creditor on their files. They have failed to show that their agency verified the information and the accounts belongs to me and to show that their agency verified the information before they placed it on my credit report by identifying the proper identification required ( driver license and SS card ) + a written contract/request identifying me.
Complaint sub-issue: Account information incorrect

I attended XXXX college from the summer of XXXX through the winter of XXXX to receive an associates degree. I took out a subsidized loan for XXXX and an unsubsidized loan for XXXX on XX/XX/XXXX Dusing the winter quarter. I have the copies of my paperwork and have paid off the XXXX loan. I keep good records and have no problem paying off what I actually owe. However, over the years I have made payments on loans that end up not being mine and the money has been wasted. It has been reported on all three  credit agencies that I have several other college loans outstanding. I am currently paying off a XXXX loan and am one month from it being considered current - even though I have no record of taking out that loan.
I have written all three credit agencies, sent certified letters to XXXX XXXX and the dept. of education on two separate occasions over the last three years, all to no avail. Even though I ask that the debts be proven to be mine or taken off my reports, nothing happens at all. I am dillegently trying to get my credit record taken care of so that I can some day buy a house.
I am reasonably sure that I have figured out what the problem is : on XX/XX/XXXXI signed Voluntary Hardship Forbearance papers ( I have the paperwork for this action ) for the loans I had taken out on XX/XX/XXXX and this date corresponds with some of the outstanding loans. It has been reported that I " took out additional loans '' when in fact, I extended the time period before I needed to start paying my loans off.
I went to XXXX College and got a copy of my transcripts, I was not in school in XXXX so no student loans could have been extended to me at that time. These dates ca n't be a loan taken out by me. I would like help getting all student loans off my records, except what is actually owed by me.
Complaint sub-issue: Their investigation did not fix an error on your report

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Personal information incorrect

I do not have precise dates of communications between myself and Equifax, as I did not realize this was going to become such a problem. 

In Spring of XX/XX/2018, I received an unprompted letter stating that my current address has been changed. They stated that my new address was my previous address. This was inaccurate and I had not requested the change. 

I called Equifax to inform them that they had erroneously changed my address to an old address. I spent 30 minutes verifying my identity. The woman on the phone wanted every credit card balance I had and every mortgage payment amount ( I am in investor so I have quite a few ). This required me to log into various accounts to get this information. After she verified my identity, she said, " Please mail a copy of your driver 's license and social security card to <XXXX XXXX> with a cover letter stating the change you are requesting. '' This was a bit irritating, as I had already told her what I wanted, and wondered why she couldn't just take care of it, but I didn't say anything to her about it and did as I was told. 

I considered the matter done. Until I got a letter in the mail stating " The identification you provided does not match our records ... Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number.. '' That's what I had ALREADY DONE. 

On XX/XX/2018, I sent another letter with my driver 's license and social security card. This time I enlarged both documents to take up an entire page and included the original cover letter. I also added a note that said, " This is the third hoop I have had to jump through to fix your mistake. I did NOT request that my address be reverted to my previous address. If you do not change it back then I will submit a complaint to the CFPB. I am taking no further action on this. Fix your mistake. I am done. I hope these documents are big enough for you to read this time. '' Again I considered the matter closed. However, I received another letter dated XX/XX/XXXX from Equifax. It was the exact same letter, requesting my driver 's license and social security card. I have not been able to reach them by phone because they want some claim or file number and I have no idea what that is. 

At any rate, I want to shift the burden from myself to them. Their system made an error and they should put the burden on themselves to fix it, not on me.
Complaint sub-issue: Company closed your account

The bank closed my accounts, they sent a letter asking me to call to find out why. I called and spoke to some very rude girls who refused to give me any info and said I had to call the branch. I called the branch and was told by the manager he had no information why it was done and said I had to call back the number on the paperwork. I do so and was again treated extremely rudely. I was coerced to dispute a transaction that was valid causing my fraud claim to be denied. the transaction was done before the card got lost but posted after. No one I spoke to seemed to understand this.
Complaint sub-issue: Funds not received from closed account

On XX/XX/2020 US Bank took {$4300.00} from my checking account # XXXX stating there was suspicious activity because of a bank transfer my daughter sent me of {$5000.00}. 

It has been XXXX  year and XXXX  months the fraud investigation has been done for a year and me nor my daughter have not received any funds back from US Bank. 

I have spoken to XXXX XXXX XXXX the branch manager from the XXXX Ca branch. She informed me that US bank has tried to return the funds back to my daughters account which was false US Bank never tried to return the funds. 

My daughter was then told by US bank to file a claim with Bank XXXX XXXX to retract funds so she filed a claim and XXXX  XXXX XXXX told my daughter that they have no record of US banks request to return the funds.
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute inregards to the incorrect and unverifiable items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Complaint sub-issue: Indicated you were committing crime by not paying debt

I was contacted multiple times by this company demanding payments that were incorrect I have also submitted in writing disputing the amount this company and XXXX XXXX XXXX were both sued multiple times for overcharging customers false advertisement and incorrect billing they also have been alerted multiple times to the XXXX XXXX XXXX and have a alert placed On their company and there was a class action lawsuit that I wasnt was not aware about until now. My fianc has passed away and I need everything to repair my credit and this is the only creditor that has yet to resolve this issue I would like to have this removed from my credit report due to incorrect in overcharged fees and harassment Attached is proof of the above information.
Complaint sub-issue: Problem during payment process

My credit score has significantly decreased from over XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX ( an all-time low for me ) due to high credit card use. The root cause of the high credit card balance was an administrative delay by PNC Online Bill Pay. I scheduled a payment on XX/XX/XXXX. I called PNC Customer Support on XX/XX/XXXX because the payment had still not been processed. I was instructed by PNC customer support to immediately stop payment on the XX/XX/XXXX PNC Online Bill Pay payment and pay with a PNC Internal Transfer on XX/XX/XXXX. I was told this would be both the fastest method of payment and reduce the risk of a duplicate payment. I followed these instructions and took these actions. I was told the only way PNC could look into my problem was to write a letter to PNC Bank Consumer Credit Bureau Investigations. I did so on XX/XX/XXXX. PNC left a voicemail on XX/XX/XXXX that PNC would not be contacting the credit bureaus to fix my credit history. This problem impacts me, my wife, and my two sons since we share this credit card.
Complaint sub-issue: Attempted to collect wrong amount

Allied Interstate, LLC is attempting to collect a debt on behalf of XXXX XXXX. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Currently, Allied Interstate, LLC of XXXX, Virginia has not obtained a surety bond with the Texas Office of the Secretary of State. The debt collector that has contacted me does not have an active surety bond, therefore, they are illegally attempting to collect debt in Texas.
Complaint sub-issue: Account information incorrect

I have attached various accounts that are violating the FCRA and reporting inaccurate information to all three of my credit bureaus. I have attached the accounts and highlighted all the inaccuracies. I would like to have these accounts deleted from all three of my credit bureaus.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account DEPTEDXXXX XXXX XXXXXXXX, XXXX DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX XXXX account # XXXX, XXXX, XXXX, XXXX account name XXXX XXXXXXXX XXXX XXXXXXXX account 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 an account without my written instructions
Complaint sub-issue: Trouble with how payments are being handled

I recently reached out to Sallie Mae during the pandemic. At the time, I lost my job and Sallie Mae sent an email stating that I owe over $ XXXX/month for my loan bill. Of course, I could not pay this amount nor even with a job pay that amount. I tried to talk with Sallie mae to see if we could work out a lower payment option. They stated that they can not do that and offered forbearance. I've tried multiple times to lower my payment and they continued to decline.
Complaint sub-issue: Received bad information about your loan

After my loans were transferred from XXXX XXXX to Mohela I contacted Mohela to inquire if they had everything needed, as XXXX XXXX informed me in XXXX that my employers were certified for for XXXX then they notified me that they weren't. I had the needed employer sign form and resubmitted on XX/XX/22. I know that both employers are eligible I spoke with Mohela in XXXX to ensure they had what was needed. I was told that I had " all my ducks in a row '' and to wait to hear from them in early XXXX. In mid XXXX I reached out to a representative and was told that it looked like my application was hung up and submitted for it to be reviewed again and it could take another 90 business days. I asked why that didn't occur when I spoke with representatives during the summer and fall. She said she didn't know and that she couldn't do anything else to assist
Complaint sub-issue: Received bad information about your loan

I have had multiple issues with the XXXX XXXX XXXX XXXX XXXX through Fedloan servicing that I have tried to resolve directly with Fedloan via multiple phone calls and inquiries, as well as working with partner/outside organizations to help resolve this issue. 
The following details the most recent experience I've had with this program. I filled out the application for loan forgiveness on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Fedloan that they received my application for forgiveness which had been filled out, and signed by me and my employer. On XX/XX/XXXX, I got notification from Fedloan that I have made XXXX XXXX qualifying payments. Please see attached documents for details. There is also a notification on my Fedloan website that I have made XXXX qualifying payments. 
On XX/XX/XXXX, I received a letter from Fedloan that said that my employer needed to contact them, as there was missing information on my application according to the letter. The letter did not specify how to contact them or provide any specific contact information. I consulted with my employer, we reviewed the XXXX forgiveness application that we submitted together and did not see any missing information. However, we decided to call Fedloan together, with hope to resolve the issue. Here are details from the call. 
1 ) Waited on hold from XXXX, spoke to XXXX ( XXXX ) about the issue related to the letter I got on XX/XX/XXXX about my employment verification and section XXXX not being completed properly ( even though it was ). She said that a XXXX needs to update my account once they have my employer 's verification that I am still employed at ( my PSLF qualifying employer, a non-profit agency, that I have been employed at since XX/XX/XXXX ). 
2 ) We were transferred at that time and on hold until XXXX. We Spoke with XXXX ( XXXX ). When I shared that the application we submitted for XXXX, from what we could see, was completed correctly and did not have any missing information she said that they are changing the forms, and planning to require that employers put the date the form was filled out as the " last date of employment '' and that is why they needed additional verification from my employer. My employer gave her title and verified that I am still currently employed, and XXXX updated the account and said that I should receive written notification. To date, ( XX/XX/XXXX ) I have not yet received any written notification. 
XXXX ) I asked if there was anything else I needed to do and she said no. She said that I could certify my iXXXX XXXX XXXX XXXXXXXX  and continue making payments if I don't get forgiveness before my first payment is due. She also said that I will be refunded all payments back to the date of XXXX payments if/once my balance is forgiven. She also said that it could take several months, there is no timeline, but then later said some people have already received forgiveness. The next step should be that I hear whether or not my loan forgiveness is processed.
Complaint sub-issue: Attempted to collect wrong amount

I was granted rental asstice threw the State of Maryland threw harford coumminty action. My landlord did not take the rental asstince instead he evcaited me in court on XX/XX/2021 in XXXX XXXX MD. Now a year later a debt collater on his behalf is sueing me for the money he was offerd bye the state that he turned down.
Complaint sub-issue: Problem getting report or credit score

I was informed that I can check my Equifax dispute on their website. When I check the status of XXXX it 's says should be available on XXXX/XXXX/16 and even the automated system says my investigation is complete but when I go on the website it says pending and no information.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX  are incorrectly reporting me as an Authorized User on the XXXX  XXXX partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User to this account. I have contacted the ( 3 ) bureaus to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 


XXXX, account number : XXXX ; XXXX, account number : XXXX ; XXXX, account number : 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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crime which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

First of all, I never applied for any accounts with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX  XXXX therefore I have no knowledge about this company. Can you please just remove this information off my credit report so that I may go on with my life. Thank you.
Complaint sub-issue: Information belongs to someone else

These account do not believe to me, I do not recognize these account numbers nor accounts. I believe that i have been a victim of identity thief. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$1100.00} opened XX/XX/XXXX XXXXXXXX XXXX {$840.00} Opened XX/XX/XXXXXXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX some XXXX had applied for XXXX credit cards under my name without my consent, Bank XXXX XXXX XXXX XXXX, Citibank XXXX I do not acknowledge any debts, Im a victim I want everything to be deleted. Thank you!
Complaint sub-issue: Can't get other flexible options for repaying your loan

I have a past due balance with Sallie Mae however I have been making {$200.00} a month payments. Sallie Mae is still calling me every day and also emailing me. That is abuse. I cant give Sallie Mae any more money than I have. Everyone has been affected by the coronavirus.
Complaint sub-issue: Information belongs to someone else

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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: Their investigation did not fix an error on your report

for several months, i have written several letters regarding inaccurate accounts on my credit report. the credit bureaus have either sent generic " verified '' responses or not investigated at all. i understand that its in their interest to not remove accounts as they would lose money, but i believe that this is impacting me negatively and i believe that this is a violation of the FCRA.
Complaint sub-issue: Frequent or repeated calls

They call multiple times a day some are after XXXX central time, from randomized numbers so I cant block it. They have started to call my place of employment multiple times. I have received a voicemail stating they will come to my place of employment that they need to coordinate a time for that to happen. Ive attached the name of the collection company and the original debt.