Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

The department of education is making the accusation that I owe a balance and it is being reported on my credit reports that I owe {$1.00} for a Pell Overpayment from XXXX XXXX, and it was closed XX/XX/2017. However, upon speaking with XXXX XXXX  's billing department and Financial Aid Department, they have both informed that I do not have a balance with them. However, the Department of Education is saying it has been transferred to Debt Collection Service of the Department of Education. All of this information is incorrect, and I do not owe a balance and they're continuing to report negative information on my report, and I am unable to obtain funding for school due to these inaccurate allegations. 

Additionally, XXXX XXXX was contacted and provided proof that there is a {$0.00} balance.
Complaint sub-issue: Account status incorrect

I recently transferred my student loans from  XXXX  to  Fedloans, since I qualify for the federal student loan forgiveness program due to my military service. Two m onths went by with me calling both service providers to ask who I send payment to, and neither had any idea. On  XXXX   XXXX   2017 , I received a letter from  XXXX  statin g Fedloan would contact me about when it was time to submit payment. My credit score th en dropped over  XXXX  points. I received no notice, either via email, account inbox, phone call or regular mail. When my payment information populated on the  Fedloan website, I was able to make payment for the two months  missed.
Complaint sub-issue: Company closed your account

I was affected by Covid 19 pandemic. My XXXX was temporarily closed to follow the City of XXXX XXXX and State of California Covid 19 ordinances. I am facing with financial hardship due to income depending on unemployment benefit. I have asked the CitiBank management to give me time to make payments but CitiBank company ignored and closed my accounts without my acknowledgement. I will get my ppp loan soon, I plan to reopen the business next month. I would like to looking for help in the attached letter.
Complaint sub-issue: Information belongs to someone else

I have been in XXXX for the past XXXX years going to XXXX and just got back early this XXXX. I received multiple calls and letters of accounts that did not belong to me. I reached out to all banks and notified them that they do not belong to me. I have already filed a police report and sent all documents required via XXXX mail to the credit bureaus. Please help me resolve all these accounts that do not belong to me and clear my name of these accounts. Thank you.
Complaint sub-issue: Account information incorrect

I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the account with the inaccuracies.
Complaint sub-issue: Public record

I have a Public Collection on my credit report that has been satisfied and closed years ago. I have disputed this several times, but the credit reporting agencies ( Equifax, XXXX, and XXXX ) but the will not remove it stating it is accurate. 

The Lien is incorrect, I have searched the Georgia Department of Revenue delinquent taxes and I am not on this list. Please attached screenshots. 

Any assistance would be much appreciated. 

Thank you! XXXX XXXX
Complaint sub-issue: Information is missing that should be on the report

Background - I was a XXXX of few corporations and i signed in capacity XXXX XXXX of those corporations on their Insurance Policies. We obtained WorkersComp Insurance from XXXX for Fiscal Year XXXX and paid 100 % of premiums at the time of Policy Inception. 

XXXX successfully conluded the Audit in XX/XX/XXXX ( for XXXX policy ), with no additional premium requirements. 

Matter - XXXX failed to correctly report the said numbers to respective Government Agencies. As a result of this Wisconsin Department of Workforce Development notified that we did not pay our premiums. After repeated emails to to XXXX XXXX company from me, they still failed to report it to Wisconsin DWD. I  have records of all the emails sent to XXXX requesting to rectify the records with Wisconsin DWD Wisconsin DOR filed 3 Cases against me Personally and all those cases are appearing on my credit. When i found out, i filed companits with Illinois Department of Insurance and WI Department of Insurance. 

Thereafter XXXX rectified their mistake. 

However, the Public records indicate - JUDGEMENT SATISFIED.

Complaints : 1 ) the cases should not been filed against me personally.

2 ) the status should have been CASE DISMISSED, not Judgement Satisfied 3 ) Due to inaction of XXXX, my credit has been damaged significantly and banks have refused to loans to buy new business - i have proof of all of it. this has deprived me of my future growth. 

thank you XXXX XXXX XXXX
Complaint sub-issue: Debt was paid

I've reached out to this collection agency on multiple occasions, regarding invalidated negative items that have been posted to my credit reports, with all 3 credit bureaus ( XXXX, XXXX, and XXXX ). One of the items have since been removed, however, this one remains and it seems that it's being reported without valid proof of the debt. This leads me to believe that this company is operating under the guise of a collection agency, but instead, are actual charlatans. 

My last written communication to them was forwarded on XX/XX/XXXX, and it was received by their agency on XX/XX/XXXX. I sent a letter requesting validation of the debt they're pursuing me for, in the amount of {$3300.00}. 

This agency has responded to me in writing, without verifying the majority of the information I requested, which includes why their agency is pursing me for a debt, in which they can't produce any documentation substantiating their claim, or the fact that I owe them {$3300.00}. 

Included with this complaint, is the following : a. My letter ( dated : XX/XX/XXXX ) sent to ProCollect, requesting validation of the questionable debt bXXXX USPS return receipt, confirming delivery of my letter c. 7 pgs sent to me by ProCollect, which include : 5 pg lease agreement ; 1 pg bill summary ( move out statement ), with a XXXX ( {$0.00} ) balance ; and a ProCollect bill, with an amount due of {$3300.00}, without supporting documentation.
Complaint sub-issue: Information belongs to someone else

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX  and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Complaint sub-issue: Account information incorrect

Last XXXX, XXXX, I updated my address with this evil and predatory company you allow to also service federal loans. AGAIN last month I did it, but as you can see in our " chat '' they pretend they can not see it. The chat agent asked me to send her personal information in a chat, despite the fact that I was told NOT TO SEND PERSONAL INFORMATION. Tonight my credit card company informed me I have a negative rating on something. I logged on to see. I have almost an XXXX credit score. I have JUST PAID THIS LOAN IN FULL, but it is not posting yet. I logged on and I see that EVERY MONTH they are reporting me as " skipped, can not contact. '' THEY ABSOLUTELY CAN CONTACT ME because 1 ) my address has been correct this whole time and it's NOT MY FAULT they can't see it? Seriously? You need to investigate them. 2 ) I have E-STATEMENTS, and my emails come through fine and I have been communication during this whole time. Also, it should be noted, I have been AHEAD on payments for months, if not longer, though they charge DAILY interest and my 10 year loan become 20 " suddenly '' which is why they can't " see '' my address I am sure. They won't even respond to you. This is my THIRD complaint to you for THREE DIFFERENT REASONS and the first one replied only to say " they are working on it. '' You need to stop giving these predators a pass. They are conning the CFPB too. Even though I paid the loan IN FULL I plan to pursue further action to get a refund of the MASSIVE overpayment. But I was advised to do this. NOW THEY HAVE LIED ON MY CREDIT REPORT CAUSING A NEGATIVE RATING DESPITE THE CORRECT ADDRESS BEING SHOWN ON MY ACCOUNT. I have told them for months I can not update my address because I do not have ANOTHER ONE TO MAKE UP FOR THEM. The correct one is there already! 

They even harassed my friends to find the address they had all along, and my friends though maybe I did not pay my bills on time. They caused me great humiliation, pain and suffering FOR BEING AHEAD ON MY PAYMENTS AND BEING RESPONSIBLE ENOUGH TO PAY AND ALSO UPDATE MY INFORMATION. 

You will also note that the most recent account letter in my inbox online requesting recent contact info has my ACTUAL REAL UPDATED ADDRESS ON IT! I am being PUNISHED in real ways by their INCOMPETENCE! I can not " find '' another address. That IS my address.
Complaint sub-issue: Reporting company used your report improperly

Improper use of my consumer report I XXXX XXXX consumer, XXXX! natural person, Please be advised this WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Delete this account immediately and update all the late payments, unless you want to be held {$1000.00} per violation Under 15 U.S. Code 1681b Permissible purposes of consumer which is fraud v FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX  XXXX XXXX XXXX Account Number : XXXX Late payments v XXXX XXXXXXXX XXXX Account XXXX : XXXX. Please immediately delete this item. 

XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Remove Late payments XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Under 15 U.S. Code 1681b.XXXX XXXX XXXX Account Number : XXXX Remove Late payments XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : Remove Late payments XXXX XXXX XXXX XXXX XXXXAccount XXXX Remove Late payments XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Remove Late payments XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I do not have an idea how this company conducted an inquiry on my credit report without my authorization! Please take this off my credit report immediately 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: Information belongs to someone else

On my credit report it says my current address is an address Ive never moved too at all, but my old address is where I am currently, Ive never had a place in my name since 2016 but on my credit report it has me at this address that I never moved into or even authorized and this is fraud someone is using my information to move to places without my consent and want them to be sued for this asap.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS XXXX AVANTE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f )  Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AVANTE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right 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: Received bad information about your loan

I have been a public servant for twelve years since XX/XX/XXXX. I have made timely monthly payments through autopay during my employment as a public servant. Today XX/XX/XXXX I received a PSLF rejection letter because I have insufficient qualifying payments. However, I believe that I have made 120 payments and that I qualify for Temporary Expanded Public Service Loan Forgiveness. I have called FedLoan Servicing requesting records of all of my payments including the ones made to previous loan servicers. Despite many phone calls, I have not been able to obtain a comprehensive payment history. I was told pay history documents would be mailed to me but I have not received them. Today XX/XX/XXXX, I called FedLoan and was told by an employee that they could not give me any information regarding my total number of payments. I was told to contact my previous loan servicer to get information regarding payments made to them. The previous loan servicer no longer has information regarding my payments. I have applied for TEPSLF but I do not know the status of the application nor how many qualifying payments FedLoan has recorded.
Complaint sub-issue: Account information incorrect

Equifax is committing fraud on my credit file, and it is harming me. They are allowing a certain account in the amount of {$77.00} to XXXX XXXX XXXX cellular to reappear on my file, subsequent to having resolved a dispute about the account in my favor, and having stated as part of that resolution, that they deleted that inaccurate account from my credit file. 

In XX/XX/XXXX, I was a non-traditional, XXXX XXXX XXXX studying a post-XXXX XXXXl program at XXXX XXXX University. I own a home in the town of XXXX, Massachusetts, and I paid real estate taxes to the town and the expenses of running the property, on top of tuition, books, etc., at the time. I was not employed at the time. I had a XXXX college savings plan from which I managed, financially, my student life. 
This is prologue and background. 

I had XXXX XXXX XXXX XXXX as my cell phone service provider. I completed my 2 year obligation to them faithfully, not missing a payment. In XX/XX/XXXX of that year, I switched to XXXX XXXX XXXX 's own lower-price subsidiary provider, XXXX XXXX. I took notes during my transition of plans, and I was told by XXXX XXXX XXXX customer service on XX/XX/XXXX, that my final bill of {$77.00} had been paid to XXXX XXXX XXXX, and that my balance to them was {$0.00}. I owed them nothing in other words. 

On XX/XX/XXXX, I discovered that XXXX XXXX XXXX had referred this same amount to a collection firm, XXXX. 
So I have spent the better part of 2 years disputing this {$77.00} bill -which is bogus and unequivocally not owed-, with Equifax. The other 2 repositories, XXXX and XXXX immediately deleted the inaccurate information from their copy of my credit report, the first time, based on my online disputes in XX/XX/XXXX, and it has not reappeared on their copies of my credit file. 

Equifax, on the other hand, has allowed this account and very same amount to reappear on my credit file. Furthermore, they've done this subsequent to resolving a dispute ( Confirmation # XXXX ) for the very same inaccurate account and amount, in my favor. I hold this documentation from Equifax dated XX/XX/XXXX,  showing that Equifax deleted the item from my credit file. 

So, I am being defrauded by Equifax, and each time they allow this previously-adjudicated-inaccurate-account, and previously-deleted-account, back on my file, my FICO score drops from XXXX ( where it should be ) to XXXX. 

I want something done about this. 

Thank you, XXXX XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

My card was lost and a fraudulent charge appeared on the card. Company recognized the loss and sent me a new card but refused to put into dispute the fraudulent charge because they could not " verify '' me. I spoke with XXXX whose ID is XXXX. Absurd that I am expected to pay a fraudulent charge because the company could not verify me when I complain about it. This is a process designed to avoid taking responsibility for fraudulent charges which the company MUST do under the Fair Credit Billing Act. They are breaking the law and should be admonished for this. If I report a charge as fraudulent, they MUST deal with that charge - they can not ignore my complaint
Complaint sub-issue: Debt is not yours

Opened XX/XX/2018 ( 1 yr, 9 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name 12 XXXX XXXX XXXX
Complaint sub-issue: Received bad information about my loan

My loan provider, Nelnet, made a mistake in calculating my monthly payment amount last year ( XX/XX/XXXX ). They thought I was paid bi-weekly, despite specifically stating on my paperwork that I was paid WEEKLY, which was also evident on my pay stub. Therefore, my payment amount was much lower compared to this upcoming year ( XX/XX/XXXX ). My new amount is XXXX % MORE than what I paid last year, which is much more than I can afford, and is significantly more than the yearly increase as stated on my IBR plan. I spoke with several advisors trying to figure out where the mistake was and why I could n't get a lower payment amount. They suggested forbearance as the only option, which I did not opt for due to the quickly accruing interest. I 'm extremely frustrated and feel like this is a huge mistake that I am paying for, literally.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off XXXX, XXXX, XXXX
Complaint sub-issue: Attempted to collect wrong amount

I previously sent two requests for validation of the debt. Never got an answer from XXXX XXXX. I pointed out to them that that they have illegally reaged the Date Opened to avoid Statute of Limitations. As you can see from XXXX 's reporting of this same {$64.00} debt, they show Date opened as XX/XX/XXXX ( the actual date of last activity was probably in late XX/XX/XXXX so the entire amount is no longer collectible and should be shown on my report as any attempt to collect a debt which is otherwise uncollectible is illegal.
Complaint sub-issue: Didn't receive notice of right to dispute

I have no idea who Carter Young Inc A/D is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Carter Young Inc A/D is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018.  I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. CARTER YOUNG INC A/D DID NOT PROVIDE ANY OF THE INFORMATION REQUESTED.When a debt collector engages in the collection of “DEBT” they must provide copies of the following items:1. Provide a certified copy of the complete credit application that “debtor” signed to secure the credit with your entity.2. Provide signed verification of each transaction that is part of the alleged cumulative debt.3. Provide the contract or other instrument through which [Alleged Creditor } authorized Carter Young Inc A/D as third-party collection agent.4. Provide a true and correct copy of the instrument by which [Carter Young Inc A/D } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States (31 U.S.C. § 9101).5. Provide the delegation of authority from the Director of the Office of Management Budget to  Carter Young Inc A/D, that authorizes your company to settle accounts of the United States (Public Law 104-316).6. Provide the Certified Assessment Certificate. Violation(s):* Failure to provide a notice prior to reporting negative information to a credit reporting agency (CRA).* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency (CRA).* Failure to provide an Opt Out Notice.* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.* Sharing Non Public Information (NPI) without providing an Opt Out Notice
Complaint sub-issue: Account status

Equifax continues to report XXXX inaccurate late pay of my student loan account on my credit file. They are overlooking that it was not a late pay as my account was in forbearance with my credit furnisher. Further more the FCRA State that they must report my account accurately. The FTC also states that under the FCRA laws is must report to accurate information regardless of the fact that it was reported correctly before. SEC. 464 of the HEA ( Higher Education ACT ) states that information must be corrected to reportedly accurately because my account was in forbearance within the period that is showing a late pay. No payment was due therefore ensuring that my account was never late. I was in forbearance and my account has been current from then on. It must be changed immediately as it is negatively affecting my credit report. I have talked to both the CRA and the furnisher and they seem to point the finger at one another and I need this to be deleted immediately or i will be forced to take Equifax to small claims for damages.