Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Received bad information about your loan

I submitted via StudentAid.gov a consolidation application on XX/XX/XXXX, for three loans- two from XXXX and one from XXXX. I then unexpectedly received forgiveness for the XXXX loans on XX/XX/XXXX, for which I am deeply grateful. However, I subsequently received a letter from FedLoan indicating that my XXXX loan would be consolidated within 10 days, but that my previous loans from XXXX could not be added to my consolidation because the loans were paid in full status and that the loan must be in grace period or repayment status to be eligible for consolidation. Thus, the XXXX loan would not benefit from qualifying credit for payments made on the XXXX loans and would not be forgiven. 

While this technically makes sense, my original consolidation application included all three loans so that the newer loan could benefit from the older loans payment counts per the PSLF Limited Waiver. However, because forgiveness of the two loans occurred before the consolidation could be completed, they were erroneously not included. I submitted a complaint to StudentAid who advised me to Request to Add On to my Direct Loan Consolidation specifically because forgiveness occurred in the middle of the consolidation process. That too was denied, all of which goes against the intentions of the PSLF Limited Waiver. 

On top of all this, I would have consolidated sooner, which would mean none of this would happen and ALL of my loans would have been forgiven, but FedLoan advised me not to consolidate because it would affect my payment counts by resetting them ( not correct per the PSLF Limited Waiver ) and because the consolidation would take me out of COVID forbearance and put me into Administrative forbearance, which would result in loss of qualifying monthly payment credit.
Complaint sub-issue: Information belongs to someone else

MY NAME IS XXXX XXXX AND I'M FINDING IT VERY DIFFICULT DEALING WITH THE CREDIT BUREAUS REGARDING AN FRAUDULENT ACCOUNT APPEARING ON MY REPORT.
Complaint sub-issue: Public record information inaccurate

XXXX put a 10 year old debt on my credit that was discharged in bankruptcy and Equifax has made a mess of my credit score. Not only did they not delete XXXX ( I am currently disputing it for a 3rd time. They ADDED the 11 yr old bankruptcy BACK on my credit and they listed XXXX XXXX as being discharged in bankruptcy and that debt was never part of my bankruptcy. That debt is owed by me. I sent them the discharge papers, schedule of unsecured debts and mailing confirmation and no where listed is XXXX XXXX. Equifax is taking no responsibility for messing this up, refusing to make corrections, giving horrible customer service, telling me I need to DISPUTE things I NEVER put in dispute ( I disputed XXXX which the attached documents will support ). I have no idea why they took such a simple request and completely ruined my credit. I am in the process of buying a home and this is devastating. They should be held responsible for ruining lives. They are not the kind of business that can make careless mistakes like this!! It hurts the consumers and in this case ... sending proof of 1 company that needed to be deleted ( XXXX ) has now resulted in me needing to get a Bankruptcy removed and a company that was NEVER listed on my bankruptcy removed out of bankruptcy. This is a nitemare and Equifax is NOT helping.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

The XXXX XXXX XXXX ending in XXXX has an incorrect balance.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

The fowlowing information Im attaching Is to provide the complaint concerning the Home Depot request for payments they had.my payments made in store but have not corrected the problem. They Requested copies as though they did not have the information that was a false Statement attaching proof.
Complaint sub-issue: Debt is not yours

I have asked the company to delete this debt from my credit report. This debt is not mine. I have asked them to verify this account under the FCRA Laws. I never did any business with this company. They cant provide signature, original contract, or anything, which is a direct violation of FCRA laws. This company claim that I owe {$1200.00}. This has caused me multiple denials, due to account being in collections. Also hindering my mortgage process.
Complaint sub-issue: Information belongs to someone else

EQUIFAX KEEPS REPORTING BK XXXX BELONGS TO XXXX.
Complaint sub-issue: Debt is not yours

There's a scam company called Kickoff Lending XXXX Llc that I signed up with not knowing it was a scam. I cancelled the accou t once I learned that I was paying for a fake loan that I never received a single dime for. They're stealing from me and falsely reporting an account that I successfully cancelled months ago. With a lawyer even. But the credit destruction reports have yet to cease.
Complaint sub-issue: Problem with fees

I was issued but did not activate a Citi Master Card. They continue to send me letters that say that I owe monies for "   XXXX   '' for an inactive card. I have tried calling the toll free number on the back of the card and I am told the card is not active. I continue to get postal mail telling me that I have to logon to a website or I will be charged for the "   XXXX   '' service for the inactive card. I am unable to talk with Citi directly because they hang up on the automation answering service or they do not acknowledge my request to speak to a person because the card number I enter is not active. Account ending  XXXX  and Customer reference   XXXX   Please help with the demands they place upon me for the inactive card.
There needs to be a way for a person to talk with a responsible Citi employee.
Thanks,   XXXX   XXXX
Complaint sub-issue: Debt is not yours

I, XXXX XXXX, consumer, am submitting this communication as a formal notice to cease your unauthorized hard inquiries listed on my credit report and a formal demand that you immediately contact the credit reporting agencies and ANY 3rd party, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiry removed : XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - XX/XX/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 XXXXXXXX Remove all of the previously stated addresses because they do not belong to me. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests,
Complaint sub-issue: Information belongs to someone else

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance {$550.00} ; XXXX XXXX XXXX Balance {$61.00} ; XXXX XXXX XXXX Balance {$2700.00} ; Original : XXXX Balance : {$33.00} ; XXXX XXXX of XXXX : XXXX ; XXXX XXXX  XXXX ; XXXX XX/XX/2022.
Complaint sub-issue: Don't want a card provided by your employer or the government

XXXX XX/XX/2020 An unsolicited USBankReliaCard was mailed to me at an address I have not lived at for four years. The card was forwarded to me by the current resident at that address. The card is supposedly for receipt of unemployment benefits from the Colorado  Dept of Labor and Employment ( CDLE ). I am retired. I am not employed. I am not unemployed. I did not file for benefits. I have not lived in Colorado for four years. I have not been employed in Colorado for many more years than four. I believe this an attempt at fraud or identity theft. I have attempted to contact USBank ReliaCard to deactivate the card, but can not get anyone to answer the phone. I have notified the three credit reporting agencies of this potential fraud activity. I have filed a fraud report with the CDLE. I have attempted to file a report with the FTC and have been directed to this bureau. I plan to file a police report.

Please notify me if there is something additional I can do to stop this fraudulent activity.
Complaint sub-issue: Debt was result of identity theft

This kind of account is placed as a Collection account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Complaint sub-issue: Reporting company used your report improperly

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX -Untitled { Collection/Chargeoff, Collection } XXXX -Untitled { XXXX XXXX XXXX } XXXX -Untitled { Collection/Chargeoff, Collection } XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - - - - 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Accounts below Derogatory Information 1 Account XXXX Date Reported XX/XX/XXXX Creditor Name XXXX Derogatory Information 2 Account XXXX Date Reported XX/XX/XXXX Creditor Name XXXX  XXXX  XXXX Derogatory Information 3 Account XXXX Date Reported XX/XX/XXXX Creditor Name 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

After recently reviewing a copy of my credit report I noticed some accounts being reporting that were opened without my knowledge or consent. I took action by completing a FTC identity theft report and sending it to all three of the major credit bureaus ( XXXX, XXXX, & Equifax ). I also noticed that my personal information being reported was inaccurate which included fraudulent addresses and incorrect date of birth. It has been 30 days and I have yet to hear from the credit bureaus in regards to receiving any verification or correspondence regarding my dispute. I am aware of the Fair Credit Reporting Act and statues 605b, 609, and 611 which has Equifax violated my consumer rights but not providing any verification within the 30 day allotted investigation time. Equifax must remove the four fraudulent accounts in question or face litigation.
Complaint sub-issue: Information belongs to someone else

I have attached a letter in the attachments area below. I have sent more than 3 certified letters notarized and your company remains to bare inaccurate information on my credit without my consent and continue reporting inaccurate information basically tells me that no one is doing their job. This is my final attempt, if you could provide me with an original contract document showing my signature. If you cant provide me with an original contract it is a violation of FCRA section 609 and I demand that the inaccurate accounts removed immediately within 24 hours.
Complaint sub-issue: Debt is not yours

Greetings, My name is XXXX XXXX and im submitting this complaint myself and there is no third party involved. It has come to my attention that your company IC SYSTEM is making a conscious effort of being willfully non-compliant of a lawful document that has been sent mailed multiple times certified mail, submitted through the CFPB multiple times, submitted the FTC, and submitted through the XXXX XXXX XXXX multiple times. These classified documents. Corporate policy does NOT AND HAS NEVER superseded federal laws of the FDCPA, Truth In Lending Act FCRA, and Title 15.

The complete disregard of my lawful documents and rights will not be tolerated. My consumer rights have been violated due to various US Codes and at this point I'm a victim of harassment and abuse by Wells Fargo. I will give 10 days as a courtesy for officers/employees/agents/CFO 's at your agency ( IC SYSTEM ) to review the documents I provided.It would be the IC SYSTEM legal departments best interest to do their due diligence and to settle this privately.One the enforcement of this lawful document goes into effect there will be NO further negotiations. I need to be contacted immediately regarding this matter. Attached to this complaint is a Validation of Debt, A Affidavit of Fact, that is due on XXXX XXXX. 

I don't consent to you marking my CFPB complaint as a duplicate.
Complaint sub-issue: Information belongs to someone else

The items listed below are reporting on my personal credit file and were found in my reports with Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX ; XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NM XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} ; XXXXXXXX XXXX XXXXXXXX : {$700.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( XXXX ) - ( XXXX ) XX/XX/2022
Complaint sub-issue: Their investigation did not fix an error on your report

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct and update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XX/XX/2022
Complaint sub-issue: Debt is not yours

XXXX XXXX - I find on my credit report derogatory information from Discover Card that does not belong to me. I dispute this information through the Credit Bureaus, XXXX concedes it should not be reported, and the tradeline is removed from my credit report. 

XXXX XXXX - CFPB XXXX XXXX. XXXX & XXXX - I received a creditor 's garnishment in a paycheck and a letter advising of such. This is from XXXX XXXX XXXX XXXX, by way of a debt from Discover Card. After attempting to remedy this over the phone with XXXX, and advise of the history with XXXX XXXX above XXXX, and getting nowhere ( as I was simply told my information would be passed along ), I file a complaint through the CFPB, disputing the debt further. 

XXXX defers to XXXX who in turn pass along a judgment for a debt owed, as well as Collections Notices and statements showing past due amounts owed. All of these were mailed to an address that I did not reside at during anytime in my adult life. 

As a result of the documents XXXX forwarded, I requested a copy of any originating paperwork, as I 'm now concerned ( confident? ) that this account was opened in my name without my authorization. ( Of course, I had no recourse to dispute it outside of the XXXX XXXX credit bureau dispute - though since it was corrected rather immediately, I was under the impression it was a straightforward error at that time. ) The only information XXXX XXXX XXXX have provide with regard to the origination of this debt, was a statement saying, essentially, " Well we have your information on file. So clearly you opened this account. " ; given the environment in the financial industry, particularly around sales practice fraud and misconduct ( i.e. XXXX XXXX XXXX, this statement/insinuation is irresponsible at best and indicative of a larger problem with XXXX at worst. 

After this, the funds deducted from my paycheck were returned to me, as expected. And I did n't hear form XXXX or XXXX again. Until this month. 

XXXX XXXX - I received a letter from XXXX, again advising that I owed this debt, and that they would be pursuing the funds by way of the judgment I referenced earlier. XXXX months after I was under the impression this was corrected or fixed for the second time. XXXX years after I was under the impression this was fixed the first time.
Complaint sub-issue: Public record information inaccurate

I was in Bankruptcy from XX/XX/XXXX until XX/XX/XXXX. I have clear bankruptcy and been discharged but the bureaus show the report as being a new bankruptcy account instead of it being cleared and closed. This cost damage to my credit score and the all credit reporting agencies need to correct this issue immediately.
Complaint sub-issue: Account information incorrect

On my credit report there is a hard inquiry from XXXX XXXX XXXX. This hard inquiry is two years old and thus it should be deleted from my credit report. Delete XXXX XXXX XXXX hard inquiry from my credit report as it has passed the time of limitation for it to be on my credit report. 
Delete XXXX XXXX XXXX from my credit report immediately please.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the XXXX unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DELAWARE XXXX, XXXX XXXX, CA XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX
Complaint sub-issue: Information is not mine

I went to my police station and got a police report just like Equifax told me to do and I sent them a copy and its been over 45 days and they still have not removed the item. The lady on the phone said when I sent her the info it would be gone in four days ; that was 45 days ago. As I have been researching on the internet a lot of people have had to file a complaint with this consumer financial protection bureau. Can you please look into this for me?
Complaint sub-issue: Public record information inaccurate

Equifax credit reporting agency is showing a derogatory tax lien in the amount of {$34000.00} on my credit report. This tax lien was filed in XX/XX/XXXX and was paid and released on XX/XX/XXXX. Equifax is the only credit reporting agency that still reports this derogatory tax lien. From my understanding of the Fair Credit Reporting Act a tax lien once paid will be removed from a consumers credit report 7 years from the date the lien was filed. In this case Equifax should have completely deleted this derogatory item from my credit report 7 years from XX/XX/XXXX which would have been XX/XX/XXXX. Spoke with Equifax representative by telephone on XX/XX/XXXX concerning this and she stated the wording of the tax lien release letter should be vacated, withdrawn or lien was in error to have it removed after 7 years. Contacted XXXX Virginia District Court where the lien was initiated and the records department representative stated that the lien was released on XX/XX/XXXX and that released is there standard wording for paid in full tax liens.
Complaint sub-issue: Information belongs to someone else

I have repeatedly attempted to rectify my identity theft issues with the CRAs and they continue to willfully non-compliant.