Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I reached out to Equifax Small Business on the web and they say it is not available due to the website being down. I think it is because they are still fighting issues from being " hacked '' When I call the Bank that is reporting my companies credit to Equifax all they say is to go on line and file a complaint. The Bank is XXXX XXXX XXXX  out of XXXX XXXX, IN. I have asked them to clean up the fraudulent errors on my companies credit report and they refuse to help the situation. 

My Company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been arguing with them for over 1 year on the fraudulent reporting of payments made. My loan is current and I am paying a high interest rate.
Complaint sub-issue: Need information about your loan balance or loan terms

I am enrolled in the public student loan forgiveness program. I have submitted my employer certification form regularly and qualify. I have also been in a qualifying plan with income based repayment. This is through " Myfedloan. '' The number of qualifying payments fluctuates seemingly at random. I asked for a review of this in XX/XX/XXXX and was told that I would receive a phone call and e-mail about progress. I had received no communication so I called again XX/XX/XXXX. Then I was told it may take six months. In XXXX I received a letter ( which I have attached ) that showed updated payment amount. However, these have once again begun to fluctuate. As an example for 1 loan : XX/XX/XXXX - 32 qualifying payments ( this is the first loan listed on the XXXX bill that is attached ) This number was quite low. And prompted the original phone call in XXXX. 

XX/XX/XXXX - 78 qualifying payments, letter attached. 

XX/XX/XXXX - Bill confirms all of these amounts, bill attached XX/XX/XXXX - Multiple loans change amount of qualifying payments ( majority go down, meaning I lost payments ). 

XX/XX/XXXX - Several loans lose more payments. My employee certification form was once again sent and accepted. 

I called again on XX/XX/XXXX. They tell me that my file is still in review. Can you imagine making a XXXX dollar monthly payment and after multiple months they take 10 payments away? If this was a car and you went to the dealership and they told you the last XXXX dollars didn't count, what would the legal system do? There is no point person for my case. They will not give me a possible end date, merely saying they are " working on it. '' They will not call or email updates though they always say they will. They will not give me any of the paper work they are reviewing to make these determinations. I speak with someone different each time I call. I am getting closer to what should be an end date for forgiveness and in reality there is no end in site as they can simply erase multiple payments for no clear reason. Along with this, I am stuck with my ridiculous interest rate of 7.3 % on average as you can not refinance and stay in the PSLF program. Biggest scam ever. I can not plan for my future as I have no confidence this program is going to actually work, yet I feel stuck as I am so far in at this point that refinancing would result in dramatic financial hardship. 

Please help me make them accountable!
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 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Problem with rewards from credit card

I made purchases for collectible coins with the  XXXX   XXXX  totaling {$7200.00} in  XXXX   2017 on m y  Fidelity Rewards Visa Signature c redit card which offers 2 % reward points. When I noticed that I did not get the rewards points, I called them and inquired. They said purchases from the  XXXX   XXXX  is a cash transaction and not a qualifying purchase. I explained that I purchased collectible coins rather than currency. The representative said she understands but there is nothing that she can do.
Complaint sub-issue: Can't close your account

I closed this account and was told everything was resolved on XX/XX/2021. I was told that I wouldn't receive a bill. This is now reporting to the credit bureau that this account is delinquent. This account should have never reported to the burearus because this account was never opened. I submitted the deposit and they never sent the card. Then I finally got approved almost a month later. By that time I had called the bank to report it as fraud. I received the card and I was told that the card couldn't be used because there was no money on the card. I told them to make sure to close it and I was told that it would be closed.
Complaint sub-issue: Public record

This letter is being sent to you in response to a listing on my credit report from EQUIFAX. Be advised that this notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) and that this claim is disputed and validation is requested. 
I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 
Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from EQUIFAX. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$250.00}, {$9000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

i am a victim of identity fraud. There are several accounts in my name that I have no knowledge of whatsoever. The accounts reported as 33 different accounts and are as listed : XXXX XXXX XXXX {$9900.00} open XX/XX/XXXX ; XXXX XXXX {$6600.00} XX/XX/XXXX ; XXXX XXXX XXXX   {$3500.00} XX/XX/XXXX ... there are several accounts reporting from XXXX XXXX XXXX/XXXX  from the year of XX/XX/XXXX-XX/XX/XXXX. By  law and statue of limitations, these accounts should not be reporting to my credit after 7 years. There are also several accounts reporting to my credit from XXXX XXXX XXXX/XXXX in amounts of {$2500.00}, {$3500.00}, and more. All accounts from this company are reporting from the years of XX/XX/XXXX-XX/XX/XXXX which also defied the statue of limitations for debt collection reporting. There are accounts reporting from XXXX XXXX from XX/XX/XXXX which should not be reporting. State of MI Office XXXX in the amount of {$6300.00}, this is a fraudulent account open XX/XX/XXXX. Theres a fraudulent Auto Loan opened from XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$31000.00}. There are multiple accounts reporting from XXXX XXXX XXXX XXXX /XXXX/XXXX  opened in XX/XX/XXXX that also break the XXXX.
Complaint sub-issue: Account information incorrect

XXXX  XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$2000.00} Highest Balance {$2500.00} Terms NA fair credit reporting act violation never late
Complaint sub-issue: Frequent or repeated calls

This number ( Afni debt collection ) has called me every day during weekdays for the past 2 weeks. I have blocked the number but they are still able to leave a message. I already told them that they have the wrong number for the person they are trying to reach. They have not ceased calling.
Complaint sub-issue: Account opened as a result of fraud

In XXXX someone opened an account at Bank of the West using my personal information. I did not open this account. I have had no knowledge of this account. I did not give anyone permission to use my personal information. The amount owing on this account is XXXX My Personal information was used to open a credit card account with XXXX XXXX in XXXX. The amount owing on that account is XXXX My personal information was used to obtain cable television service through XXXX XXXX in XXXX. The amount owing on that account is XXXX
Complaint sub-issue: Information belongs to someone else

The account below is reporting and do not belong to me please remover XXXX XXXX XXXX. 
Reported : XXXX XXXX, 2022 {$2600.00}
Complaint sub-issue: Account status incorrect

I have contacted XXXX numerous times regarding my account and continue to experience credit reporting issues. 

I recently received a credit alert suggesting XXXX reported my account 30 days delinquent. Notably, I have been on a forbearance plan since the onset of COVID-19. Please see the attached confirmation letter from XXXX confirming the extension of my forbearance plan thru XX/XX//2020.
Complaint sub-issue: Information is missing that should be on the report

We reviewed your account and found that an update is needed for the reporting to the credit reporting agencies. We have sent the updated information to the agencies for their records. The account should show : The date of the first delinquency as XX/XX/XXXX, and the payment history for the months of XX/XX/XXXX and XX/XX/XXXX on your XXXX report Removed the status Consumer Disputes, Reinvestigation in Progress from your Equifax report Allow sufficient time for the update, then request a new copy of your credit report. If you find an error, let the specific agency know. Heres the  contact information for the four credit reporting agencies : Equifax XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX equifax.com XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX  I have sent in dispute to your office via US MAIl CPBP and the Minnesota attorney generals office about why the required noticed of dispute was never place on the two XXXX tradelines  XXXX tell me that your office removed The required information why would your office do unlawfully removing of a consumer credit report if I didnt ask you to remove it or the original credit went ahead and removed it. I didnt ask your office to remove and XXXX  claim they are reporting 100 % accurate which is a XXXX XXXX lie this is FDCPA violation as well as FCRA please please send me when the required noticed of dispute was 1st placed on the tradeline who and why the request for removal was remove if XXXX claim they added the required noticed so I go back to old report to compare if in fact the information was added. I called XXXX  office to do a phone dispute they opened up a new investigation about this but I want factual proof as to what date the items was added or removed for both XXXX XXXX XXXX please delete both tradeline for violations
Complaint sub-issue: Was not notified of investigation status or results

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. XXXX without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these federal regulations by the XXXX XXXX XXXX  et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Complaint sub-issue: Reporting company used your report improperly

I have never gave my consent to the credit bureaus to expose anything on my credit report.
Complaint sub-issue: Account status incorrect

I have a active fraud alert on my account and currently I have XXXX inquires with XXXX and XXXX with Equifax. I spoke several representatives that state I need to produce a police report. I am lost as to what the police report will do for the XXXX inquires when I placed a FRAUD alert on my account due to my personal information being stolen. I was told that I would be notified as to when anyone applies for credit in my name via my phone number. This happened a few times.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX The problem was supposed to be resolved and yet its the same issue. Documents have been faxed, uploaded and nailed.Credit Acceptance has been paid off last XX/XX/XXXX {$480.00} Yet still its the same issue. This has cause mental health issues for me .Also CFPB also has a record of this error as well.
Complaint sub-issue: Received bad information about your loan

I had a loan in 2003, i was promised a 1 % max of 1.5 % loan interest. my loan was sold a few times now the last loan Nelnet. they stated i consolidated and i never did, i have no proof of payments made, my interest is at 7 %, i have no documents as : loan agreement, amatrilization, payments made, original promisary note from nelent and from the student laon its self. neither does the financial aide laon people have any documents and nor does nelenet. iv requested these over and over again, my payments made over the years does not show on my principle. there is no proof or evidence of this continued loan or consolidation. When i call nelenet sends me to finacil aide and finaciale aide sends me to nelenet. nelent sent me something like a not original promisary note, they sent me one with fasle information and no signature and further more not completed. 
i am tired of the ru around my loan goes up instead of down. If i do not have these docuents requested then i hould not be obligated. i have been asking for years for info. when i all the financial aid people they are unable tolocate any of my information
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom It May Concern, Please be advised that I have received your computer-generated RESPONSE stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency and have submitted information that " was not in your file ''. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on ( XX/XX/2022 ) by the CFPB PORTAL ( XXXX ) that I questioned the accuracy of a few items on my credit reports. That complaint was written by me and submitted by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : XXXX. XXXX XXXX is account number XXXX This account is inaccurate and must be deleted. This is the original account that STILL REMAINS ON MY CREDIT REPORT THAT EQUIFAX IS ALLOWING TO BE REPORTED AGAIN BY PORTFOLIO : XXXX. XXXX This is a duplicate account and must be deleted. 


XXXX. XXXX This is a duplicate account and must be deleted. 


I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
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 has violated my rights. 

15 U.S.C. 1681 section 602 A. states i have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Received bad information about your loan

I was duped into an interest-only payment plan, I was switched to a long term graduated repayment plan for 25 years. Now am paying nearly 100 % interest and making zero progress on principal. I was never notified how much interest I would be paying ( an exorbitant amount compared to principal ). I have not been paying these since XX/XX/2016 and have paid over {$26000.00} without anything being applied to principal ( {$65000.00} ).
Complaint sub-issue: Personal information incorrect

The inaccurate personal information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to the credit bureaus. The reality that these information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information 's listed below as a result. 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: Credit inquiries on your report that you don't recognize

This company is reporting 2 inquiries on my report that are inaccurate. These inquiries are hurting my credit score and hurting my ability to get the credit lines I should.. The Fair Credit Reporting Act indicated that all information on my report must be accurate, verified and deleted if inaccurate. The following items need to be deleted as well as my reason for the deletion. 

XXXX XXXX -- -- XXXX XXXX -- -- NO account and not a permissible purpose. 
XXXX XXXX -- -- XX/XX/XXXX -- -- I do not recognize this as an account. 

Please assist me in getting these items verified and ultimately removed!
Complaint sub-issue: Investigation took more than 30 days

On ( XX/XX/2022 ), I wrote to you requesting an investigation into items that I believe were INACCURATE AND UNVERIFIED. To date, I have not received a reply.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

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

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

Equifax, XXXX  and XXXX  do not reflect the latest information on my mortgage account with XXXX. All three reflect the last update as of XX/XX/2020.update mortgage account information.
Complaint sub-issue: Account information incorrect

This is a follow up complaint since the other complaints were closed without taking full action, as I requested. For one -- I've included my driver 's license and SSN card so that we can get my name straight on all 3 credit reports ( not what you think it is, nor what you wish it to be! ) This has been an issue with you for over 5 years, as I've asked you countless times to have this updated and remove any entries that are not accurate and reflecting my correct name. 

Additionally, I would like to know why my credit report is taking such a huge loss of points ( 55-60 points ) for 2 accounts that have outstanding pay history? Not only that, but it looks like every few months you all have been taking points for the same account ... One month you take my score down 20 something points for a $ XXXX- {$2.00} increase and then the next several months there is no change? In less than 6 months my scores are taking a hit for the same account? That has a paid on-time status?? Can you please explain the formula used in decreasing/increasing credit scores and why this would be happening every several months? 

Attached are just a few of these entries/changes.
Complaint sub-issue: Debt was result of identity theft

This is another item that i've been disputing for couple of months already but nothing is happening! Can someone please do something and delete this collections account to my credit report!! I have already reported this to FTC XXXX Account # : XXXX
Complaint sub-issue: Trouble closing card

My XXXX XXXX XXXX on XX/XX/2021. She had been receiving Social Security payment into her Direct Express debit card issued to her through SS. When she XXXX, I notified SS to let them know so they would not issue any more payments to her debit card ( I did not want to have to return the money ). 
Direct Express closed her account which had apox. {$1200.00} in the account. Because SS issues payment for the previous month, none of that money had to be returned to SS. 
In XX/XX/2021, I sent a letter to Direct Express asking for the balance her Direct Express sent me a letter XX/XX/2021 stating there were no funds in the account to be disbursed to me and just referred me to SS. 
I contacted SS about the funds, and they said they did not show any funds being returned. They did not offer to call Direct Express to settle this problem. 
After several back and forth calls to both Direct Express and SS, I never have gotten any information where the money went or when it was taken out of the Direct Express account. 
I am attaching the last letter ( sent by reg. mail ) to Direct Express summarizing my demands for information concerning the missing funds. I NEVER GOT A REPLY. 

There is no way funds can be taken out of a bank account without a complete XXXX XXXX of where they went, time or date. 
Please help me resolve this money that was due my XXXX and our family.