Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Need information about your loan balance or loan terms

I submitted an application to FedLoan Servicing for the Temporary Expanded Public Service Loan Forgiveness program ( TEPSLF ) on XX/XX/XXXX, after making my 120th qualifying payment. On XX/XX/XXXX, I received a letter telling me that my loans were in the process of being forgiven under the TEPSLF program since I had met all criteria for forgiveness. 

It is now four months since I applied for forgiveness and three months since I received confirmation that my loans were being forgiven under the TEPSLF program and I have not heard a single word. I check my FedLoan account regularly, waiting for some sort of movement. I have called to inquire as to the status of forgiveness and am told they have no information for me, and perhaps I should wait for 5-6 months to go by for forgiveness on my loans to be granted before I follow up with them again. 

This delay is unacceptable, especially when a term of the forgiveness program is that one must remain in qualifying employment up to the day that loan forgiveness is granted, and when the TEPSLF funds are finite. I have done everything asked of me to achieve forgiveness, I qualify for forgiveness, yet I remain at the mercy of FedLoan and the Department of Education to process my application. This should not take months and months to accomplish given all the hoops one must jump through to qualify for forgiveness.
Complaint sub-issue: Information is incorrect

The background company Checkr is not pulling in the correct information from the NJ Motor Vehicle Commission. I applied for a driving position with XXXX. XXXX used Checkr as the background verification company. The company sent an adverse action stating the main reason were two items listed on the report as operating during a suspension period on XX/XX/2017 and XX/XX/2017. I contacted MVC and confirmed that the XXXX item is a notice of scheduled suspension and the XXXX item is the actual suspension. I contacted the background company and explained this to them. They required me to obtain this detail from MVC and send it to them. This cost me {$15.00} to obtain an abstract and send it in. My position is that if the company is hired to provide accurate information, they should work with the agencies to understand what all of the codes and events are and report them accurately. Checkr has not done this. I am requesting assistance from the CFPB to enforce this so that not only this company is held to the standards setup to protect consumers, but other companies as well.
Complaint sub-issue: Fee problem

I incurred 2 overdraft fees on XXXXXX/XX/XXXX as a result of my 2 student loans being debited from my account 8 days earlier than usual ( {$360.00} + {$640.00} ). It put my account in the negative, and when I charged an {$8.00} cab ride on the card again not knowing my account was in the negative I incurred an additional {$38.00} fee that same day. A total of 3 fees on the XX/XX/XXXX for a total of {$110.00}. 

I live in XXXX  XXXX XXXX, and have a Comerica account in Michigan  because of a client I have in Michigan   deposits checks into my account once a month. There are no Comerica bank branches in XXXX  XXXX  XXXX, therefore I can't get my account into the positive unless I either transferred money or I flew to Michigan  to make the deposit. Transferring the money would take usually at least 2 business days ( usually 3 or 4 ), and as a result I would continue to incur overdraft fees. My account was a - {$73.00}, so waiving 2 of the 3 overdraft fees would put me in the positive and would stop the process of additional overdraft fees being charged to the account. I called customer support on the XX/XX/XXXX hoping they would work with me in order for my account not to keeping incurring overdraft fees, and was told there was nothing they could do. In addition they suggested my only option was to speak with the bank manager where the account was opened and it would be up to their discretion to waive the fees. 

The person on the phone also notified me that I've had overdraft fees waived in the past before, so it's very likely that the manager would not waive these fees. This left me with no other option, than to either continue incurring the fees until I was able to transfer money into the account or fly to Michigan to make the deposit. When I called the bank to speak with the manager, the manager refused to waive the fees and was not willing to work with me. I felt absolutely helpless, and the manager and customer service continued to reiterate that there is nothing they could do for me. 

While I understand the fees where incurred as a result of transactions I allowed, I did not expect the bank to refuse to work with me on this case. In addition, knowing that I would continue to incur overdraft fees for a least 2 business days which would continue to drive my account into the negative, was a viscous and unfair decision by the bank representatives.
Complaint sub-issue: Debt is not yours

I have recently Disputed this matter withXX/XX/XXXX, andXX/XX/XXXX Unfortunately They Have failed to reach back by mail with the Burden of Proof within the required 30 days. I have stated to them the information is incorrect on my credit report and is fraud, This falls under The FRCA Requirements, and I have shown a XXXX goodwill letter after the first dispute. Please provide Burden of proof by mail that the information is accurate or remove this account due to Fair Privacy Act.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted Equifax to advise them of unauthorized inquiries on my account. I disputed t he inquiries over the phone and received no resolution from Equifax. 

The inquires are : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Billing dispute for services

- on XX/XX/XXXX XXXX I replaced a new bank account on my XXXX XXXX services site regarding the lease of XXXX XXXX XXXX model that I had acquired during the XXXX of XXXX. 

- on XX/XX/XXXX XXXX the transaction of {$180.00} was successfully charged. 

- I had never skipped any payment during my first year since I had got the vehicle. 

- There was more than sufficient funds available in my afore mentioned bank account. 

- For the next two months, I was not charged for my vehicle. 

- Around XX/XX/XXXX, I observed that my payments were not deducted from my account for the last two months. 

- Upon inquiry I was told by the collection department that they have no knowledge of what had happened. The assured me that someone will call me within 24 hours. 

- Nobody contacted me from customer service. Upon calling, they told me that I had requested not to call me. It was strange because the collection department told me earlier that someone will get in touch with me. 

- I asked them to go ahead and charge my same account for two outstanding and one upcoming lease installments. But they refused and said that I will have to remit these transactions to them instead. 

- I wondered why and upon inquiry I was told that I had defaulted for two months and that my case was given to collection department. 

- I asked them as to why I was not informed by mail or email and do they have any proof that I had lapsed on the said discrepancy for which they had no response. 

- I told them that I am not going to pay any surcharges as it was not my fault. They do not have any proof that there was insufficient funds in my account. I have the online bank statement to attest it. 

- They agreed and waived off the penalties. I also intimated them to not report this to credit because it was incorrect and that there was a technical systems error on your part and that I had not lapsed in payments from my side. 

- I was assured that if might reflect initially because the outstanding payment crossed that 60 day mark but that it will be removed from my credit history. 

- On XX/XX/XXXX I sent XXXX XXXX Services the three installments amounting to {$560.00} on XX/XX/XXXX they waived off the penalties amounting to {$20.00} which is reflected in the XXXX XXXX Services Statement. 

- Also my credit history can reflect that I had never missed any payments from any creditor. And that within a year my credit limit has gone from {$1000.00} to more {$50000.00} with a credit score of XXXX with XXXX, XXXX with XXXX and Fico Score XXXX. 

- This has been due to my responsible spending habits and ability to furnish my financial obligations in a timely manner. 

- Upon my dispute with Credit Karma I was informed in an ambiguous fashion that the payment was on time. And that the amount disputed are incorrect. 

- In both cases it is redundant and inaccurate. As there was no failure on my part whatsoever and this conclusion given is rather confusion impeding the rightful course of action.
Complaint sub-issue: Confusing or missing disclosures

I XXXX XXXX have been banking with bank of the west for almost a year now from the beganing I have been treated poorly and never getting to have things explained to me from checks bouncing paying them within the five days and still having collection agencys contact me about unpaid debits after all of this that bank closed my account for getting upset for getting into my account without permission or me giving them my account number I don't know how they did that after get mad they told me I didn't have any money in my account witch was a lie I had XXXX dollars after they told me I did have money in my account when they said I didn't they made me withdrawal my money and closed my account I was getting a settlement soon to be deposited into my account now I can't find it I don't have a bank account for reasons that could be avoided and money that was unsafe taken from me and also almost losing my life for please help me resolve this matter XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following items completely from my Credit Reports XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$15000.00}
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 USC 1681 section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account on an open end consumer credit plan as late for and purpose.
Complaint sub-issue: Reporting company used your report improperly

Dear Equifax, I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : Inquiry from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. 

Inquiry from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. 

Inquiry from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. 

Inquiry from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Complaint sub-issue: Reporting company used your report improperly

To whom it may concern, The credit bureaus stated following accounts were properly investigated Account name # XXXX XXXX XXXXXXXX Account name # XXXX XXXX XXXXXXXX Account name # XXXX XXXX XXXX XXXX XXXX Account name # XXXX XXXX XXXX Account name # XXXX  XXXX XXXX XXXX Account name # XXXX  XXXX XXXX XXXX Account name # XXXX XXXX XXXX XXXX But I would like to know if they were properly investigated how is it possible that the open date is inaccurate, and date last reported is inaccurate, the balance is inaccurate. This is grounds of removal according to 15 USC. 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 has reasonable cause to believe that the information is incorrect. They also violated my rights under 15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. This is grounds of removal of such accounts.

I havent given these accounts written permission to furnish these accounts on my credit report as well. Below I have attached the documents from my credit report circling inaccurate and incomplete information on my credit report for a long period of time. Moving forward I would like this Information to be deleted or removed from my credit report immediately.

Also according to my knowledge Account name # XXXX XXXX XXXX date stated on my credit report is inaccurate as well as balance. And according to the credit bureau response on XX/XX/XXXX which clearly states that COLLECTIONS THAT HAVE NOT BEEN PAID IN FULL WILL REMAIN ON THE CREDIT FILE SEVEN YEARS FROM THE DATE OF FIRST DELINQUENCY. ADVERSE ACCOUNTS THAT HAVE NOT BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED SEVEN YEARS FROM THE DATE OF FIRST DELINQUENCY. My question is Then why the account is not yet removed this is a violation of the bureau policy as well. Correct delinquency date as far as Im concerned for the account was XX/XX/XXXX. Hence regarding that account is still on credit report as of XX/XX/XXXX which is XXXX years apart. This is a serious violation of my rights as well. 
Also according to the credit bureau response on XX/XX/XXXX stating the following account Trade : XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. Is in fact untrue and inaccurate, incomplete the item related to the account does not belong to me and I do not have any possession of such item whatsoever. As far as Im concerned the item was voluntarily repossessed taken back from my possession as of collateral. The last settled amount with the account holder was XXXX $ which still now shows XXXX and was never updated by the account holder. Hence this information is incorrect as well as the balance shown on my credit report and according to 15 USC. 1681s-2. ( A ) ( 1 ). This is a violations and hence grounds of removal. Please remove/delete accounts as soon as possible.
Complaint sub-issue: Didn't receive enough information to verify debt

I sent a verification and validation letter of debt to both ERC and  XXXX , letting them know that I knew nothing about the account on my report. They have refused to validate it with my last complaint. Then I take a look at the collections agency information, and it shows that they are not licensed to collect a debt in North Carolina. I notified the credit bureau and they send a letter asking for verification, when I have already verified my account with the appropriate social and ID. Which is the same one that I have used multiple times now they are saying, it does n't match my account. Just another  one of their stall tactics. The Collection account from " ENHANCED RECOVERY CORP '' needs to be removed and blocked from my credit report. Upon doing additional research it shows that this collection agency is not licensed and bonded to collect a debt in the state of North Carolina. This collection agency has n't been licensed since 2010. So m y question is, how is a collection agency that is not licensed allowed to collect a debt. Enhanced Recovery corp has violated my rights as a consumer, along with  XXXX
Complaint sub-issue: Information belongs to someone else

correct XXXX please correct the fraud alert on all bureaus potentially negative icon Potentially Negative StatusPaid in settlement. {$430.00} written off. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$2000.00} written off. 
Account TypeCredit card Balance- Date XXXX Dispute XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCredit card Balance {$1500.00}
Complaint sub-issue: Information belongs to someone else

My wife was trying to trade her vehicle in for a newer model and she was told from my salesmen that she could not make any trade. We asked why and he gave us no explanation. We pulled our credit on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ....
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and there are currently 8 collections being reported to my Equifax report for multiple debts I did not create. I have disputed these accounts several times with Equifax and they are refusing to delete them from my report. In my most recent dispute, I requested Equifax block these accounts from being reported on my credit as is my right under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). Under this statute, a credit reporting agency must block the reporting of any information that resulted from an alleged identity theft if the consumer can provide appropriate proof such as an identity theft report. I have sent Equifax a copy of an identity theft police report I filed with my local XXXX County Sherriff 's office on more than three separate occasions. To this date, the only generic response I have received is that the accounts have been verified and can not be deleted. The collection company who is reporting these eight debts on my credit, " XXXX XXXX XXXX '', has not been able to prove that they have the right person in their records and has n't removed this inaccurate information. I am filing this complaint because Equifax is refusing to acknowledge my request to have these fraudulent accounts BLOCKED. It is my right as a consumer to request this and I will make sure Equifax is held accountable to the full letter of the law if they do not honor my request. I am attaching a section of a recent credit report which shows these eight collection accounts, the balances being reported, and the account numbers they have on my credit. The first account was opened in XX/XX/XXXX is for {$2300.00} and has an account number of " XXXX ''. The second account was opened in XX/XX/XXXX, is for {$2000.00} and has an account number of " XXXX '' .The third account was opened in XX/XX/XXXX, is for {$67.00} and has an account number of " XXXX ''. The fourth account was opened in XX/XX/XXXX, is for {$170.00} and has an account number of "  XXXX ''. The fifth account was opened in XX/XX/XXXX,  is for {$820.00} and has an account number of " XXXX ''. The sixth account was opened in XX/XX/XXXX,  is for {$6100.00} and has an account number of " XXXX ''. The seventh account was opened in XX/XX/XXXX, is for {$190.00} and has an account number of "  XXXX '' .The eighth account was opened inXX/XX/XXXX, is for {$990.00} and has an account number of "  XXXX ''. As you can see, only Equifax is reporting this to my credit at this time. XXXX and XXXX have deleted all records of these accounts because they were opened as a result of identity theft. How can XXXX and XXXX get a different dispute result for the same dispute I am sending to Equifax?
Complaint sub-issue: Information belongs to someone else

I'm so embarrassed end upset because I checked my credit report because I'm looking for a new home. and again I see multiple items on my credit report that are not mine. I have reached out to the FTC and to my local police department. I am doing this on my own behalf and again these items need to be removed asap. XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX CARD, XXXX  XXXX/XXXX XXXX, XXXX/XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, Chapter XXXX Bankruptcy
Complaint sub-issue: Public record information inaccurate

Bankruptcy reporting on credit file should not be reporting, I supressed all public records from being viewed on my credit file. The Credit Bureaus received public records information from XXXX XXXX. I opted out from reporting. This information. Should to be verified once disputed.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Complaint sub-issue: Information belongs to someone else

AFTER REVIEWING MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY CREDIT FILE. PLEASE BE AWARE THAT THOSE ACCOUNTS WERE PLACED WITHOUT MY KNOWLEDGE AND ARE REPORTING AS DEROGATORY ACCOUNTS. I URGE YOU TO PROMPTLY UPDATE YOUR CREDIT RECORDS AND CORRECT YOUR REPORTING INACCURACIES ON MY CREDIT FILE FOR I AM NO LONGER LIABLE TO THOSE DEBTS. 
I DISPUTE THOSE ACCOUNTS IN ITS ENTIRETY AND I KINDLY ASK THAT THE NEGATIVE ENTRIES YOU'RE REPORTING BE INVESTIGATED AND DELETED FROM MY REPORT AS SOON AS POSSIBLE TO PREVENT ANY FURTHER DAMAGE ON MY CREDIT FILE AND OTHER ENTRIES SUCH AS LATE PAYMENTS OR CHARGE OFF SHOULD BE PURGED FROM MY CREDIT FILES.