Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

Dated on XX/XX/2022, I, XXXX XXXX, an federally protected consumer, will like to bring more clarity and to the attention to Discover Bank of the harm and extortion of extension of credit means by Discover Bank furnishing my non-public personal information and by it not being a Requirement youre doing this without my lawful authority As it mean to bring some statue harm to my financial reputation attempting to extort me by furnishing this information to the Consumer Reporting Agencies this now falls under 18 U.S. Code 894 - Collection of extensions of credit by extortionate means. Im fully aware The financial institution Discover Bank has failed to comply with The GrammLeachBliley Act and did not provide their customer, consumer with the appropriate forms and options to opt-out of furnishing my non-public personal information to 3rd parties according to The GrammLeachBliley Act. Discover Bank can be fined up to {$100000.00} ( Per violation ) according to The GrammLeachBliley Act. Im demanding Discover Bank to cease and desist the status of Charge-off and update to Paid As Agreed to all Credit Reporting Agencies and remove all negative information. 
I am aware of what a Charge-off is and what a Write-off is and Im aware of what a Finance Charge is. Discover Bank you will be double dipping if you continue to attempt to collect the alleged debt from me. ( Notice ) I refuse to pay the alleged debt. Im aware Discover Bank is not complying with the law and it will be very deceptive of Discover Bank if you continues to furnish my non-public personal information the way you are and you face serious violations and penalties. See 18 U.S. Code 894 ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish ANY person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. Discover Bank you are facing serious penalties with your deceptive business practices and all legal actions necessary will be taken if you do not comply and correct all your errors. Thanks in advance for your timely cooperation. Best regards! XXXX XXXX, federally protected consumer!
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XX/XX/XXXX {$2500.00} collection account XXXX XXXX XXXX XX/XX/XXXX inquiry/Hard pull Credco XX/XX/XXXX Inquiry/ Hard pull XXXX  XXXX XX/XX/XXXX inquiry/Hard pull Child Support XX/XX/XXXX charge off
Complaint sub-issue: Funds not received from closed account

Yes recently I have done a case with the company cfpb and they have helped. Tremendously. Now there is only one thing either that they didn't do that i that I didnt know because no informtion was given or withheld so I wasn't aware back then. until you're company helped of course and I was able to fund out. Originally this company had closed myaccount becasue of errors of previous disputes by an inappropriate employee .these people are incapable and there errors shouldn't be working anymore. It's unacceptable and they should be fired. I should have sued thm but I need time then I will proceed. But first my disputes were done improperly and the correct ones one of them was for XXXX a insurance company and I disputed one of them but they did it incorrectly by citibank. For XXXX  XXXX  XXXX had a service to repair a phone but they handled the claim to repair incorrectly. The timing of this was around XXXX. Back then. So I called in and requested a refund. This is actually one of several claims that they poorly handled that I had to try and get my deductible refunded to my citibank debit card for. It was handled poorly so i had to resort to citibank disputing it. Then as you know citibank had a rep who handled disputes and filed disputes incrorrectly too. So because of it citibank didn't investigate the rep but the account. Because of citibank and it's inprofficiency and unprofessionalism I don't want to deal with them. So I called the insurance company many times again and this even after for them to refund my amount. So i want citibank to dispute the other XXXX. XXXX and return it to me. There was one XXXX they did but theres a still 2nd one they didn't do.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following names are incorrect and do not belong to me, XXXX XXXX, XXXX XXXX. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX Account Number : XXXX XXXX and Equifax are not reporting this account, XXXXn is reporting an opened date of XX/XX/XXXX with a balance of {$67.00}, XXXX XXXX XXXX Account Number : XXXX XXXX is reporting an opened date of XX/XX/XXXX with a balance of {$1800.00}, XXXX and Equifax are reporting an opened date of XX/XX/XXXX with a balance of {$1800.00}, XXXX XXXX ( XXXX ) Account Number : XXXX XXXX and Equifax are not reporting this account, XXXX is reporting a opened date of XX/XX/XXXX with a balance of {$230.00}, XXXX XXXX ( XXXX XXXX Account Number : XXXX XXXX is not reporting this account, XXXX and Equifax are reporting an opened date of XX/XX/XXXX with a balance of {$490.00}, ORIGINAL CREDITOR Account Number : XXXX XXXX and XXXX are not reporting this account, Equifax is reporting an opened date of XX/XX/XXXX with a balance of {$150.00}. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information and/or provide proof with signatures of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.
Complaint sub-issue: Information belongs to someone else

I reviewed my credit profile and I noticed that there are several items reporting that do not belong to me. These items are reporting either in error or as a result of identity theft. I have sent letters to the credit agencies informing them of this matter and they still have not corrected the matter. 

The following items that are reporting in error : XXXX XXXX Account ( result of identity theft ) There are late payments showing on XXXX XXXX and XXXX XXXX ( I was  never late on these accounts ) Names : XXXX Addresses : XXXX XXXX, XXXX XXXX There are unauthorized Inquiries reporting : XXXX ( 2 Times ) XXXX XXXX  ( 4 times ) XXXX XXXX XXXX XXXX XXXX XXXX ( 9 times ) XXXX XXXX XXXX XXXX XXXX ( 2 times ) XXXX ( 2 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 times ) XXXX XXXX XXXX ( 2 Times ) XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Incorrect information on my XXXX ( Equifax and XXXX XXXX ) credit report from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. XXXX. Report # XXXX Never opened an account with the company mountain run solution is reporting ( on XX/XX/2021 ) Report # XXXX I do not owe this company {$1100.00} Please, remove from credit report as this is not my account.
Complaint sub-issue: Information belongs to someone else

I have been disputing to XXXX XXXX, Equifax and XXXX  for over 6 months my correct personal information. I have not received any updates to reflect the correct information as of yet. 

Please update all of my personal information on Equifax, XXXX, and XXXX. 

My only name is XXXX XXXX XXXX My only address is XXXX XXXX  XXXX XXXX, XXXX, Tx XXXX My only employer is Self Employed. 


There may be individuals that have the same information as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not appear in my credit file.
Complaint sub-issue: Information belongs to someone else

Error in my credit report never get fix. I have informed you already that my report contains items that results of identity theft.
Complaint sub-issue: Information belongs to someone else

There were inquiry made on my Equifax report that werent authorized by me Equifax sent me a letter stating they would remove the inquiries but never did the inquiries are XXXXXXXX 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: Account terms

I have XXXX XXXX charge offs on my account and XXXX judgement from them. I disputed all of these with the credit bureaus. XXXX removed them all except the judgement. because it had been 7 years reported on my report. XXXX and Equifax refused to remove from my credit report they stated that the information was correct. The dates are different on each credit bureau. I know that it has been 7 years but I dont know know what else to do to since ive already tried to dispute it. Also XXXX of the accounts I have no idea what it could be. Also the judgement is not accurate. For XXXX it says it was filed as a judgement XXXX 2009 that is false I went and picked up the judgement file from the court house and it states that it was filed XXXX 2009. Another thing that was reported not accurate was the judgement was for XXXX vehicles that were combined in XXXX loan that I cosigned for my ex. The XXXX vehicles were a XXXX and a XXXX. Both items were repoed. In the judgement it states that they did sell the XXXX for {$8000.00} that went towards the balance but it never not once mentions the selling of the XXXX or even the amount of that bieng sold to put towards that judgement. I read it several times and didnt find anything except for the actual loan when I first signed loan papers stating that these XXXX items were in XXXX loan. it was the terms of the loan. So they pretty much sold the XXXX and never took that money and put it towards what I owe. they got the XXXX and they got the profit of selling it and didnt apply it to the negative amount. Its been seven years or more and I dont know what to do about these XXXX charge offs XXXX is in the amount of {$8000.00} and something and the other is {$2500.00} and i dont even know what that loan could be. if it even was my exes and they came after me because we had a joint checking and savings account. And then theres the judgement that is {$11000.00} and something. Please help.
Complaint sub-issue: Information belongs to someone else

I checked my credit and saw an account for XXXX XXXX  for {$9900.00}. I have no knowledge of this account and it DOES NOT belong to me. I am not an authorized user on any accounts pertaining to XXXX XXXX. I did not co-sign for any loans, credit cards, or anything else. I do not have any products with XXXX XXXX except a checking and savings account.
Complaint sub-issue: Threatened to sue you for very old debt

This company keeps calling me for a credit card debt and I have never had this consumer credit card in my life. They said they are filing against me at the courthouse, they told me to stop being a deadbeat and running away from my responsibilities and just pay the debt. They refuse to give me the dates of any transactions. I am XXXX XXXX XXXX and this is making me very upset. They call everyday non stop!
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good-standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

LOANCARE XXXX Late Dates XXXX
Complaint sub-issue: Trouble with how payments are handled

( 1 ) I have made over 120 monthly payments to my loan servicer ( Nelnet ) for over ten years and recently applied to the Department of Education for the Loan Forgiveness Program but was denied because my " loan type did n't qualify. '' After a lengthy discussion with DOE, I was told that when I consolidated my Direct Student loans with Nelnet, they became FFELP loans and therefore did n't qualify for forgiveness. I was never told about this change of loan type when it occurred. 

( 2 ) My payment history shows that with each XXXX monthly payment, the amount applied to interest ranges from {$140.00} to {$190.00} each month ; therefore, after over 10 years of faithfully trying to pay off my student loan, I 've barely made a dent in the principal ( I can send a copy of my payment history with the amounts applied to interest ). 

( 3 ) On the advice of the DOE, I recently sent the following letter to Nelnet : XX/XX/2017 Nelnet XXXX XXXX XXXX XXXX, XXXX XXXX CC : U.S. Department of Education -- '' A representative from the U.S. Department of Education recently advised me to make a written request to have 100 % of my future student loan monthly payments apply 'strictly to my remaining principal and not to interest. ' Because I 've faithfully made over 120 payments to you over the last ten years, the representative thought you might be agreeable to the change in my status. She also wondered if Nelnet might also 'backtrack to apply all the interest to date to the remaining principal. ' Simply put, I 'm writing to request that you now apply 100 % of my monthly payments toward the principal of my loan and, if possible, apply past interest paid to the principal as well. Thanks for your consideration, and I look forward to hearing from you. '' Nelnet has rejected my request. Their response is as follows : " When each payment is received, it is first applied to outstanding fees ( if applicable ), then outstanding and accrued interest, and finally to principal. Any additional payment amount received is automatically applied to principal. Even though the extra funds are applied towards principal, they are also applied towards the next month 's payment, as we are unable to ask you to pay your loans off early. '' Students have problems paying off their loans because of companies like this that charge exorbitant interest and are n't forthcoming about changes -- XXXX to FFELP -- that occur when loans are consolidated through them.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. 
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  has violated my rights.

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

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

XXXX XXXX XXXX ( XXXX ) placed a collections account on my credit for an alleged debt of {$270.00}. I never received a debt validation letter from XXXX, and when I asked them they said they mailed me one in XXXX 2016 which is a flagrant lie in flagrant violation of the FDCPA. XXXX is illegally trying to " park '' an alleged debt on my credit report even though I do n't owe any alleged debt to XXXX. The tradeline for XXXX needs to be deleted because I do n't owe any alleged debt to them nor did I ever receive a debt validation letter.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I do not authorize any of these inquiries on my credit report I would like to get every inquiries removed from my credit report my identity have been stolen
Complaint sub-issue: Information belongs to someone else

On XX/XX/2019 and again XX/XX/2019, I tried to dispute with Equifax under Identity Theft ( FCRA Section 605b ), yet to no avail. As a victim of a security breach I have presented the necessary Law Enforcement documents and Personal identification documents and yet no response or movement towards resolving the matter.
Complaint sub-issue: Other problem getting your report or credit score

Equifax refuse too release my credit report and score they have successfully verified me through there identity verification system I sent copy of my ca drivers license and birth certificate and social security and W2 and pay stubs they still won't release my credit report there in violation of XXXX credit report
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ( Inquiry date XX/XX/XXXX ) has violated my rights XXXX XXXX XXXX ( inquiry date XX/XX/XXXX ) XXXX XXXX ( inquiry date XX/XX/XXXX ) XXXX XXXX XXXX ( inquiry date XX/XX/XXXX ) XXXX XXXX XXXX ( inquiry date XX/XX/XXXX ) XXXX XXXX ( inquiry date XX/XX/XXXX ) 15 USC 1681 Section 602 A states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without written consent.
Complaint sub-issue: Reporting company used your report improperly

During XX/XX/XXXX to XXXX 2017, Equifax was the victim of a cyber attack that resulted in over 140 million sets of personal identification stolen, including my own ( as reported after I enteredy information in at " www.equifaxsecurity2017.com ''. After examining the reports publicly available regarding the attack, it is very likely that the atrack was facilitated in large part by the negligence of Equifax to properly secure the aforementioned personal records. Their negligence means that I must now monitor my credit at a far more frequent level than is typically necessary. 

Furthermore, because of the nature of the information stolen, applying a credit freeze at the three bureaus ( Equifax, XXXX, and XXXX ) may be ineffective. This is due to the fact that a new PIN number to un-freeze the credit can be obtained by submitting the very information that was stolen.
Complaint sub-issue: Information belongs to someone else

DriveTime/XXXX keeps harassing me and are in no way helping a customer who has been loyal to them. I will continue to file complaints until they fix the issue. As I started before the worthless car is not worth as much as I have paid the worthless care is disabled and the worthless car is probably still at XXXX place because Drivetime will not assist with towing it. You guys keep harassing me and there is nothing I can do to get this car towed you guys have robbed me blind with the car that is not worth it I want to see you guys in court let 's arrange that. You, people, think it is fair to charge people so much for an old car worth less than {$2000.00} how about we go to court and I get all my money back. I feel threatened and harassed by Drivetime and XXXX that is why I 'm so scared to answer. Besides the care been out of my possession since XX/XX/XXXX, my last payment was made in XX/XX/XXXX. Here is what we can do go to court so that I can tell the judge how threatened and stressed out you guy made me. Also, you guys are incorrectly reporting things to my credit report I can and will sue you Drivetime/ XXXX.
Complaint sub-issue: Can't decrease my monthly payments

I currently have a large student loan balance with American Educations Services who is the servicer. I have always made payments, but recently as of XX/XX/XXXX I have gone through a financial hardship and have fallen behind my payments. I contacted AES and they had sent me forms to complete so I can be enrolled in their financial hardship program ; in which payments as interest rate ( s ) are reduced. However, I need to be 100 % caught up in my payments in order to proceed. I have explained that it 's not possible for me to catch up as I am currently experiencing a financial hardship. Their response is that there is nothing that they can do. Due to this my credit is becoming damaged and I will always be late and never meet their parameters for their program. Instead they offer me forbearance, why would I want to make my loan more expensive? They is obviously an attempt to dissuade borrower 's from qualifying for their program and keep collecting fee ( s ).
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

Whom It May Concern : I received a copy of my credit report and found the following Item ( s ) to be in error : Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report. 

{ Inquiry Creditor Name, Inquiry Date ) XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XXXX - XX/XX/2022 Equifax XXXX XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 Equifax XXXX XXXX  XX/XX/2022 Equifax I did not authorize or sign for any of these inquiries and by the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove and information that the creditor can not verify. I understand that under 15 U.S.C. Sec.16811 ( a ). You must complete this this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this update report. I also request that you please send notices of the corrections to anyone who received my credit report in the past six months
Complaint sub-issue: Investigation took more than 30 days

I sent letter to request investigation into account. It has been more that 60 days and I have not received any results back. I understand that the credit bureaus have been given an additional 15 days to reply which that time as exhausted as well.
Complaint sub-issue: Information belongs to someone else

The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Equifax failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : 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 XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, and Chapter XXXX Bankruptcy XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Equifax requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/2022 and to notify them that I am halfway of taking lawful action and litigating XXXX for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX XXXX Date XXXX Balance : $ XXXX Late Date XXXX