Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

I sent an initial letter on XXXX this year and sent a follow up email last XXXX but received no response from the Bureaus. I have sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure and negligence to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted punctually. I urge these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 

They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debts, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own the debt.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hey XXXX all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

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

15 USC 1681 section 602 A states I have the right to privacy.

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

In accordance with the Fair Credit Reporting act 12 XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 302 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

on XX/XX/20 I was checking my credit for accuracy when i realize that there were accounts in my credit that didn't belong to me .these accounts are fraudulent I did not authorized these accounts, they should be removed from my credit.
Complaint sub-issue: Problem with personal statement of dispute

**********THIS IS NOT A DUPLICATE ********************************************************* WE ARE ASKING XXXX XXXX XXXX TO REVIEW OUR STATEMENTS WE RECENTLY FILED A COMPLAINT WITH XXXX CASE # XXXX XXXX XXXX WE FILED A COMPLAINT AND IT WAS ASSIGNED TO A INVESTIGATOR XXXX XXXX A XXXX DEALERSHIP IN XXXX XXXX FALSIFIED MY BROTHERS INCOME TO GET HIM APPROVE FOR FINANCING. WE ASKED XXXX XXXX TO PROVIDE US WITH THE ORIGINAL APPLICATION FOR FINANCING BUT ALL THEY SUBMITTED TO US WAS THE CONTRACT. WE ALSO WENT TO XXXX XXXX AND ASKED THE FINANCE MANAGER FOR A COPY OF XXXX ORIGINAL CREDIT APPLICATION THEY WOULDNT GIVE IT TO US BUT THE FINANCE MANAGER DID ADVISED HE HAD A MONTHLY INCOME OF XXXX THAT IS NOT TRUE. XXXX RECEIVES XXXX A MONTH SSI XXXX XXXX HAS RUINED XXXX CREDIT BY FALSIFYING DOCUMENTS TO GET HIM FINANCED. XXXX TRIED TO PAY FOR THIS CAR UP UNTIL HE GOT EVICTED FROM A LOW INCOME HOUSING WHERE HE LIVED FOR 7 YEARS PAYING XXXX A MONTH RENT, XXXX HAS RUINED XXXX REPUTABLE CREDIT. WE ARE ASKING XXXX TO REVIEW THE COMPLAINTS. WE HAVE ARRANGED TO SURRENDER THE UNIT. SINCE THIS LOAN WAS FALSIFIED WE HAVE HIRED A ATTORNEY ( AUTO FRAUD ATTORNEY ) TO ASSIST US WITH THIS MATTER. XXXX IS XXXX   AND ONLY RECEIVES XXXX A MONTH FOR THE PAST 25 YEARS. WE CAN PROVIDE DOCUMENTS. XXXX FUNDING DEPARTMENT SHOULD HAVE PROOF OF HIS LETTER OF AWARD. MY CONCERN HERE IS THAT XXXX SHOWED PROOF OF HIS INCOME TO THE DEALERSHIP WHICH WAS XXXX WITH A XXXX CREDIT SORE. HOW WAS THE UNIT FUNDED BY THE FUNDER WHEN HIS SSI SHOWS XXXX AND THE DEALERSHIP REPORTED XXXX THE FUNDER SHOULD HAVE CAUGHT THAT AS A RED FLAG. UNLESS SOMEBODY IN XXXX XXXX WORKS WITH THE DEALERSHIPS. WE ARE ASKING THAT XXXX PLEASE REMOVE ALL NEGATIVE REPORTING FROM XXXX XXXX CREDIT FILE, VOLUNTARY REPOSSESSION, LATE PAYMENTS DUE TO THIS LOAN BEEN FALSIFIED IT IS A FRAUDULENT LOAN, THE PERSON FROM XXXX ESCALATION TEAM NAME IS XXXX AND HIS NUMBER IS XXXX YOU CAN SPEAK WITH XXXX AS WELL HE REDIRECTED US BACK TO THE DEALERSHIP WE ARE AWAITING XXXX TO PICK UP THE UNIT AND WE WANT XXXX XXXX XXXX TO REMOVE ALL NEGATIVE REPORTING INCLUDING VOLUNTARILY SURRENDER OF THE UNIT.
Complaint sub-issue: Old information reappears or never goes away

There are accounts that are showing up as collections that have been disputed multiple times to no avail. The credit reporting agencies continue to allow these false creditors to continue reporting inaccurate account information, erroneous dates, etc. 

As stated before, any accounts that are not listed in my name ( XXXX XXXX ) are to be removed per the drivers license and social security card provided for you during a previous complaint. This is simple. If it is NOT the name Ive provided and proven to you, then it should be removed, as I was a victim of identity theft in XXXX these accounts arent not being validated correctly and in some cases the credit reporting agency is giving creditors my name so that they change the name on their file. 

Remove it, the next step here is prosecution for fraud. If the ORIGINAL contract doesnt match then it is to be REMOVED. 

I know you are tired of receiving these complaints, because I am tired of writing them.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Creditor : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, 2021 Creditor : XXXX XXXX BANK XXXX XXXX Date : XXXX XXXX, 2021 Creditor : XXXX XXXX BANK XXXX XXXX Date : XXXX XXXX, 2021
Complaint sub-issue: Received bad information about your loan

I graduated college in XXXX and knew I would be out of the country for the next 7 years. I called my student loan servicer ( Great Lakes ) and asked what my best option for the next 7 years would be seeing as I would have no job and I would be unable to communicate. I was told my best option was forbearance ; that is what I did. During the 7 years they had communicated with my mother ( who I gave power of attorney to ) and my loan has been going to forbearance and out of forbearance and the back to for forbearance ; at which time my interest would capitalize and be added to my principal. Finally, in XXXX I was put on IDR, which is what I should have been on this whole time. Unfortunately, my capitalized interest currently is close to {$11000.00} and my loan which initially was {$31000.00} is {$45000.00}. I understand that I have a huge responsibility to take on this, I was XXXX XXXX XXXX and I just went with what the loan advisor told me was best option instead of what I am doing now, which is research everything and finding out what is actually best ; but there is a level of frustration that comes with knowing that they were easily willing to capitalize my interest without letting me know that it was not my best option. They state that they let my mom know about IDR and I cant say one way or the other about that but I specifically called and asked what is my best option here and to suggest forbearance knowing I would be unemployed for XXXX  years XXXX dont know if I have the right words for that. I know I cant go back and change anything but I honestly dont want this to happen to someone else.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX Contract  was canceled. The original creditor sold the account to another agency and wrote it off on their corporate taxes as a loss and therefore, they have no claims against me.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

My loan was transferred from XXXX to XXXX back in XXXX. I started to notice that my credit score was going down XXXX points each month to the present. I received a letter from them stating that my loan was set back into repayment and into forbearance. Since I applied for the borrower defense. You can see the capitalization interest they have prepared on the loan. Plus they are now reporting that I'm not making payments on my loan. I never once contacted them to have my loan put into forbearance through the repayment process. You can look through the applications on the borrower defense and I indicated I don't want it in forbearance while it's under review. Overall, my current student loans should be under forbearance, but that is for the Covid relief back in 2020 at zero percent interest. Under the current law, my credit shouldn't be affected at all. XXXX keeps reporting to all the credit bureaus for the non-payment, which is hurting my credit on a monthly basis. I tried calling them and can't get a hold of them through their customer service department. The current hold times are over 2 hours long. Therefore, I can't get anything corrected with them.
Complaint sub-issue: Problem during payment process

DISCOVER has been sending me these statements all these months with coupons attached to them and I have been paying by electronic funds transfer. The XXXX XXXX XXXX, XXXX XXXX, was set up to pay all my bills and because DISCOVER have my social security number, what is taking place is a Trust Action- with me as the beneficiary and with DISCOVER as the Trustee. As the Trustee, I would like to remind you that DISCOVER, has a fiduciary obligation to act in a way that will benefits me. 

Coupon - XXXX XXXX XXXX XXXX XXXX : Coupons are written contracts for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose, that they may be separated from the bonds and other instruments to which they are usually attached... 
On XX/XX/2022, I accepted the coupon offer at full value and mailed it to the proper address listed. It arrived XX/XX/2022 but my account has not been created.
Complaint sub-issue: Funds not received from closed account

On XX/XX/2022, I mailed a check to Citi deposit department to deposit a check of XXXX from my XXXX  account. XX/XX/2022, the check was not cashed and I called Citi. Citi agents told me they did not receive my check, so I requested them to close my account. XX/XX/2022, the check was posted from my XXXX account and the transaction date was XX/XX/2022. I called Citi and asked where is my XXXX. They told me my account was closed on XX/XX/2022, so the check was not processed successfully and suggested me asking XXXX where is the money. I called XXXX on XX/XX/2022 and went to XXXX branch on XX/XX/2022, I was provided the document that money was cleared and released to Citi bank. I kept calling Citi from XXXX asking for the money. I was told my check was never deposited successfully. I got a statement on XX/XX/2022 dated XXXX, with XXXX balance and no transaction. I recoreded XXXX of the agents names I talked to XXXX, XXXX id # XXXX, Ref # XXXX, and XXXX claim # XXXX.
Complaint sub-issue: Debt was result of identity theft

In XX/XX/XXXX I received a letter from a collection agency XXXX   XXXX, XXXX ( Address : XXXX XXXX XXXX, XXXX, PA XXXX ), dated XX/XX/XXXX ) regarding Creditor : XXXX XXXX, regarding an amount owed of {$80.00}. As the only account I have ever had with XXXX was the standard account where all payments were made through my credit card or debit card, I was confident this did not belong to me. 

I contacted XXXX XXXX and they confirmed that this was a Business account created in XXXX under my SSN #, however an e-mail address that was not associated with me. After speaking with a XXXX at XXXX, he agreed the account looked suspicious and deleted the account and indicated that since there was not further activity on the account that the balance should be resolved. 

In XX/XX/XXXX, I received a second collections letter, but this time from a MRS BPO LLC agency ( Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ). I contacted this agency, speaking to a XXXX XXXX and a XXXX. My case was sent for investigation. I received NO response back from the agency or XXXX credit even though I was told someone would contact me. 

I assumed the issue was resolved until I received another letter from MRS dated XX/XX/XXXX, with a NEW account #. This letter indicated a 'Charge off Date : XX/XX/XXXX ', no indication as to what this means. I contacted the agency XX/XX/XXXX and they said the investigation came back from XXXX indicating no change to collections balance. I was transferred to XXXX credit who could no longer locate the account to investigate further. XXXX then indicated that the debt had been sold from one collection agency to another and that maybe the debt had been sold prior to me resolving the issue with XXXX initially. At this point XXXX gave me a phone # XXXX to the original bank holding the credit ( XXXX ), however I had not luck contacting this agency to speak with an agent. At one point I was even transferred to an XXXX credit agent. 

Note that between XXXX when this account was created to XXXX I never received any communication from XXXX via phone, e-mail or mail indicating that I had an outstanding account. 

I have made every effort to contact the related agencies to resolve this credit balance that I do not owe and was told by XXXX would be resolved. At the risk of my credit score I am refusing to pay this balance since these agencies can not seem to bother helping figure out how to resolve this issue.
Complaint sub-issue: Debt was paid

I had returned my equipment and cancelled my cable service in XX/XX/XXXX with XXXX XXXX. In XX/XX/XXXX Enhanced Recovery reported a collection for {$120.00}. I was informed it was from a past due and equipment non return. I contacted XXXX XXXX they proceeded to find the equipment. While I dispute the bill as I know I paid in full, I paid XXXX 90.00 and there remains a zero balance on the account. Enhanced Recovery is continuing to report an unpaid collection account for {$120.00}
Complaint sub-issue: Information belongs to someone else

This account does not have LAST DATE OF ACTIVITY. Please delete ASAP. 

XXXX XXXX # XXXX
Complaint sub-issue: Reporting company used your report improperly

I am natural person I am a living human being and i have a right under 15 usc 1681 and Equifax violated my rights numerous times and i demand these accounts listed below be removed according to 15 usc 1681.I have the rights to privacy and i did not give equifax permission to furnish these accounts. 

XXXX XXXX XXXX XXXX Delete Accounts
Complaint sub-issue: Received bad information about your loan

Hi, This is regards to Nelnet student loan servicer. I have requested to settle the debt with Nelnet in exchange for the original instrument of indebtedness. This request was initiated on XX/XX/XXXX. Nelnet responded with a letter stating we are unable to make adjustment to my credit inquiry, which I did not request ( see attachments ), It was clear what I was requesting, and they were stalling. Then I wrote another letter requesting the instrument of in indebtedness and I receive an e-mail from Nelnet stating my FORBEARANCE HAVE BEEN APPROVED and I will not have to pay until XX/XX/XXXX, WHICH I DID NOT REQUEST EITHER ( see attachments ) However, I received a statement requesting payment on XX/XX/XXXX. Now, forbearance was forced in place as a stall tactics until XX/XX/XXXX why do I need to make a payment? Again its very clear of my request and they refuse to send the information. 
Then I receive fabricated PROMISSORY NOTE ( see attachments ) from them on XX/XX/XXXX, which is clearly over the 30 days of when I requested the original instrument of indebtedness, which is clearly a violation. I have no idea who those people are on that promissory and the addresses dont even match the zip codes ; in addition, there is no signature on the document. I did not have any legal binding promissory note with Nelnet and the information provided is not factual and fabricated. Therefore, I would like a letter stating this debt will be removed off credit reports as the assumption of debt was never validated and this assumption of debt brought to {$0.00} ASAP, or I will be taking this fabricated promissory note and pursue legal actions and sue for Involuntary Servitude among other things! 
Please keep in mind Nelnet has been sued by the couple of different entities and investigate by the CFPB and being removed from list of provides for student loans because of their unethical practices. Im a prime example of the deceitfulness and wrongful doing. 
I have attached a number of attachments to support this case in, addition ; to screenshots of the when the certified mail was delivered to Nelnet.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

unauthorized credit inquiries on my credit report
Complaint sub-issue: Information belongs to someone else

This complaint is in regards to unauthorized, fraudulent credit inquiries. The issue was already addressed with the particular company, and because there was no credit extended, there is nothing that they can do and that my concerns need to be taken up with the credit bureaus. The response that was provided from Equifax with regards to '' access to records '' being factual, is erroneous. The records are not facts and in fact " Fraudulent "! Their explanation gave no indication that there was an attempt to address this issue and did not provide an adequate solution for this particular situation. 

Equifax was sent drivers license, social security card, Several FTC reports, as well as instructions on removing unauthorized inquiries from my report several times. Several times the above documents were sent and are on file with Equifax. It was explained that I was a victim of Identity theft, my personal information was exposed in an " EQUIFAX " data breach as well as other data breaches and an income tax was filed without my knowledge. A XXXX police report was filed. Every time I attempt to reach someone with regards to deleting the inquiries a representative responds that its nothing that can be done because all deleted inquiries are handled in a back office and there is no contact info available for, " THE BACK OFFICE ''.
Complaint sub-issue: Didn't receive services that were advertised

On or about XXXX after hearing of Equifax 's breach I visited their site and entered information ( name, last six of my social, etc. ). After receiving a prompt that my my credit information may have been affected I started the process of enrolling in the one year " free '' monitoring service. After receiving a email a week or two later I thought I created a account yet received error messages. I contacted both equifax and trustedID for assistance. On XXXX I received a email stating I have a account but needed to re-set my password. I did and received a error message that set up failed. All information, employment, credit, etc was blank. No link regarding credit monitoring was found. I called Customer Care Team at : XXXX who advised me to call XXXXtrustedid who advised me to call XXXX. I feel equifax is making the process of monitoring ( due to breach XXXX impossible.
Complaint sub-issue: Trouble with how payments are being handled

I applied for temporary expanded public service loan forgiveness as I am a XX/XX/XXXX in the VA XXXX XXXX XXXX government employee ). I uploaded my employment forms on the fedloan servicing site. I contacted fedloan and spoke to different customer service agents regarding my paid ahead status. All of the payments I have been making through covid and prior are not counting towards my loan forgiveness. My account has been in a paid ahead for quite sometime. As a consumer making additional payments and doing the correct thing by paying them although the balance has been {$0.00} for quite a while, this is not right. The agents told me there is nothing I can do as far as those extra payments. I was told to change my payment plan to an income driven and reapply after being in that particular plan for 10 years ... what! My loans will be paid in full before then so why would I change to a higher monthly payment with an income driven repayment and for a longer span of time and still not be able to apply for this? Something needs to be addressed with this issue. I have uploaded statements that show my paid ahead status as well as the documentation about changing my repayment plan.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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: Was not notified of investigation status or results

I need help with a dispute that I sent on XX/XX/2022 regarding some inaccurate things on my credit report. It has been almost 30 days and I have not received a response. This makes me feel like I am being ignored by the bureaus. This has caused me a lot of stress and I am asking that these items be removed from my credit report. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

1. XXXX XXXX -XX/XX/XXXX, customers service would not help and take care of the negative inquiry 2. XXXX- unauthorized inquiry- ( customers service would not help and take care of the negative inquiry ) XX/XX/XXXX 3. XXXX XX/XX/XXXX and -XX/XX/XXXX unauthorized inquiry- ( customers service would not help and take care of the negative inquiry ) 4. XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, unauthorized inquiries ( customers service would not help and take care of the negative inquiry ) 5.XXXX/XXXX-XX/XX/XXXX, unauthorized inquiry/fraudulent ( customers service would not help and take care of the negative inquiry )