Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information incorrect

I've been reaching out ALL YEAR to have this information corrected. I had my identity stolen back in XX/XX/XXXX and over the years several things have popped up on my credit report that do not belong to me or inaccurate information about me. 

I have never lived at XXXX XXXX XXXX XXXX MO nor XXXX XXXX XXXX XXXX MO My date of birth is XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 States I : It also states a consumer reporting can not furnish an account without my written instructions.
Complaint sub-issue: Trouble with how payments are being handled

Dear CFPB, I am writing to illustrate some grave concerns I have with FedLoan 's servicing of my student loan, at the directive of the Department of Education ( DOE ). On XX/XX/2019 I received a notification from FedLoan that my loan had been placed in an " Administrative Forbearance ''. There was no disclosure in the letter why the forbearance had been applied. As required by the Truth In Lending Act, there was disclosure in the letter around the compounding of interest associated with this loan being placed in forbearance. After talking to the Department of Education it seems that the forbearance was placed on my account in response to the Borrowers Defense Fund ( BDF ) which I was apparently enrolled in a year before. The representative at the Department of Education for the BDF stated to me that there are over 200,000 applications pending review and that there is no expected timeline for the review, and that the process may take years to be addressed. Furthermore, she stated that no loans had been discharged through the BDF. I would like to tell you that the placement of this Administrative Forbearance onto my account caused a cascade of repayment issues with FedLoan, as I am also enrolled in the PSLF program, so making monthly payment is imperative. Although the personal situation of my account is bothersome to me, I have greater concerns about placing interest bearing Administrative Forberances onto the accounts of already at risk borrowers. When these loans are finally reviewed by the BDF, and return to a payment status there will be years of compounded interest applied to borrower ' loan, which will likely create a whole new crisis in student loan lending. If the Department of Education would like to take years to review these loans for eligibility for discharge, or rather spend years in court trying to find ways to circumvent borrower 's relief, these loans need to be placed in a non-interest bearing status while they are under review. 
As required by TILA, there was no language in the letter around the Administrative Forbearance to name the main beneficiary of the compounded interest, which is the Department of Education, and the Federal Government. This current structure of reaping funds off the interest of student borrowers in predatory, unethical, and illegal and must be reviewed. 

Sincerely, XXXX XXXX XXXX, XXXX
Complaint sub-issue: Account information incorrect

My daughter and I bought a used XXXX XXXX and financed it through XXXX XXXX XXXX. Shortly after my husband passed away and my daughter and I had to downsize on vehicles due to loss of husbands income. We voluntarily returned the car. At that point, we could not pay for the vehicle. We had on our credit report that the account received a payment of XXXX after they got car back. So that should have dropped the amount we owed them way down. It was considered closed on XX/XX/XXXX. But since then they have kept adding charges and fees to the account each month. I am talking like anywhere from XXXX to XXXX a month. The current balance says we owe them over XXXX but as of XX/XX/XXXX our balance was XXXX so how could we keep getting charges for the vehicle? I have been trying to dispute this on my credit report for two years. I keep getting the response of Info is accurate and then BAM more charges show up. I have checked with the XXXX and they have hundreds of complaints about this company. They actually have an F rating. One lady 's comment was basically the same as my complaint. My daughters name is even spelled incorrectly on the contract. I am trying to get my life back together and was informed I cant buy a house or rent a house because of this account. I really need some help. I have contacted the Attorney General of NC about this and they sent letter to XXXX XXXX but got no response within the 15 days given to them to respond. HELP ME PLEASE!!!
Complaint sub-issue: Application denied

i just called discover and girl i talked to there just pulled my credit withput asking me
Complaint sub-issue: Trouble with how payments are being handled

My income based monthly repayment amount with Nelnet is {XXXX} ; so last year I paid {XXXX}. I received my student loan interest statement for 2021 and {XXXX} was applied to interest.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019 I contracted Equifax, XXXX XXXX, and XXXX, about updating my credit report to show that my student loan were closed. I also sent each of them a copy of the letter from the Department of Education, showing that they were discharge. I received a letter from Equifax on XX/XX/2019 that the account were open and accuracy which tells me that they did not read or investigate the letter I sent or did they contact the Department of Education. Amount to be removed or closed account {$190000.00} and {$32000.00} on credit report. The Equifax Confirmation letter XXXX. 

I wrote another letter today XX/XX/2019/ As a XXXX   veteran, I find it hard to believe that I am writing your company once again about updating my credit report. Let be care I sent your company a copy of the letter for the department of education that my loans were closed, as well as forgiven XX/XX/2019. Yet you write me back stating that the information was accuracy, I understand the information about the loan are accuracy, but you have open in good standing on my credit report, and it should show closed. I have contacted the, CFPB, the State Attorney General office as well as the Department of Education to contact your company right away about the problem. I am giving your company one last time to correct this ASAP, and put account paid in full and closed. Before I contact an attorney. 
Base on The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I called in attempt to resolve issue with disputes that with a lender that were resolved. The agent in a 45 minute phone call ( name given was XXXX XXXX ) refused to expedite the matter by 1. Listening to the request, 2. Transferring to another agent or manager, 3. Refusing to disclose case or confirmation number, 4 ) purposely stonewalling any request or simple due process. 

The agent failed at all terms.
Complaint sub-issue: Account information incorrect

In XXXX, Universal Citi Card sent me a letter stating they were raising their APR on existing balances for all open accounts and the only way to opt out was to close the card and pay off my remaining balance at the previous rate so I did after 8 yrs flawless history. At some point they changed to AT & T Universal Citi card and all XXXX broke loose. I didn't receive my XX/XX/XXXX statement so I called to notify them of missing bill and make a payment over the phone. The agent told me I'd have to pay extra for missing my due date but that if I paid right then, he'd credit the late fees on next statement and get me back to my usual min payments, so I did. They reported XX/XX/XXXX as paid to the credit unions, but sent me a new bill claiming I didn't and was now default on my APR agreement and would have to pay all late fees + 2 months payments at the new APR up front to keep my account. I disputed via phone and mail for a year, offering to get back on track if they fixed the error and pay off my balance. They stopped sending me bills, when I tried calling in XXXX to work it out again, they had an incorrect address and number for me in a different state I've never been to. I never received collections notices or responses to my letter campaign which went to every XXXX XXXX provided, as well as corporate. 3 years later they FINALLY cancelled the debt with the IRS on XX/XX/XXXX, though I only got the notice recently. However, they continued to report a balance that never existed and past due amount to the credit unions past the cancellation date. XXXX STILL reports this to lenders as a new negative item despite receiving a copy of the IRS doc. Both XXXX   and XXXX have allowed this false balance to reappear after deleting it and have failed to clean the payment and balance history adequately. On XX/XX/XXXX, I sent XXXX, XXXX and Citibank the IRS form proving the old debt cancellation date in XXXX. This debt was cancelled under code G : due to law or policy. Citibank didn't send my bill, process or report payment properly. THEY defaulted on our agreement. Not only was I never legit late on this account, but I've been disputing it for FIVE YEARS, had flawless credit for 17 years across the board that they singlehandedly destroyed, made unmanageable and created unnecessary financial chaos in my life I am still recovering from their false reporting, as well as XXXX and XXXX lack of thorough report cleaning even after legal proof was submitted. I haven't applied for credit in 10 years because of them, maintained the other cards I had perfectly and STILL am getting rejecting for credit over this. It's NOT NEW like XXXX continues to report, there is no balance or past due. The dispute began in XXXX on an account closed in XXXX. It was cancelled with the IRS XX/XX/XXXX and the amount that's been reporting is pure fiction as the IRS form shows the amount when they stopped adding interest and cancelled it. There should be no history past that date anywhere on my reports regarding this account nor should the amount they were reporting ever been on them as it never existed.
Complaint sub-issue: Information belongs to someone else

I see ample amount of account showing on my credit report that I have never opened
Complaint sub-issue: Sued you without properly notifying you of lawsuit

I applied for a loan via XXXX XXXX, and was approved on XX/XX/2020 in the amount of {$1400.00}. I the funds were directly deposited to my checking account. I had all intentions of paying this debt. I had an issue with my account and the payment was declined. I tried multiple times to log into my account to set up and discuss other arrangements. On XX/XX/2020 I sent an email to XXXX stating that I still had not received a reply to discuss my outstanding balance. I finally received a reply stating that the defaulted loan had been sent to Apex Servicing an outside collection on XX/XX/2020. 

My last paycheck had a garnishment of {$340.00}. I was concerned because I have not received any documentation about this garnishment in the amount of {$2000.00}. Per my payroll department the " Writ of Garnishment '' was received on XX/XX/XXXX via Apex Servicing. I contacted Apex Servicing XX/XX/2020, they said because I signed and accepted the loan, once defaulted Apex had legal authority to submit a " Wage Assignment '' to my employer, which they have to abide by. I would have to pay the balance in full to stop the " Wage Assignment ''. I told the operator I have not received anything in writing via mail from " XXXX XXXX '' or " Apex '' that this was going to take place at all. 

I was willing to set up other arrangements. The only way I even found out was because my pay had a large deduction, and I started investigating.
Complaint sub-issue: Information belongs to someone else

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : DEPT OF ED Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$250.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Untitled Account Number : XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$510.00}
Complaint sub-issue: Reporting company used your report improperly

With the Equifax hack, there has been no way to contact the company after told I MAY have been involved in the breach. They have made no effort to contact me to tell me if I was or was not included.
Complaint sub-issue: Account information incorrect

As usual, Equifax has target me and incorrectly reported/verified information. 
My credit utilization ACCORDING TO THEM is 45 % and that is NOT true! 
My utilization is EXACTLY 2 % ON PURPOSE. Im as to which previously I kept at XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax will not remove a collection that is a duplicate report from XXXX XXXX XXXX. I have disputed this specific item 3 times with Equifax and followed up with a customer service representative about this dispute to no avail. 
Date Reported : XX/XX/XXXX 1st one reported Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$230.00} Amount {$350.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Creditor Classification XXXX  Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX reported Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$240.00} Amount {$350.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Creditor Classification XXXX  Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX
Complaint sub-issue: Seized/Attempted to seize property

XXXX have harassed, threatened me for a fraudulent debt they purchased from XXXX XXXX since XX/XX/XXXX. I requested a copy of the signed contract with Discover, an itemized " bill '' and proof that I opened a credit card, they refused. The judgement expired on XX/XX/XXXX and XXXX ( XXXX XXXX ) filed a Writ of Revival on XX/XX/XXXX which is past the XXXX and the Fair Debt Collection Practices Act. Due to similar proven illegal actions, XXXX have recently been fined XXXX for these illegal activities. On XX/XX/XXXX, XXXX XXXX created a new docket number and filed my social security number at the XXXX XXXX courthouse. XXXX never withdrew their " entry of appearance ''. On XX/XX/XXXX XXXX XXXX sent a request for interrogatories, which I responded in to the attached letter. If a debt is n't paid within 180 days, it 's written off. XX/XX/XXXX personally buy these debts, get away with these illegal action because XXXX XXXX sits on different boards, has family members/friends working in the XXXX court house. XXXX XXXX has been noted in a recent Supreme Case and has been warned to stop threatening and harassing, " The U.S. Consumer Financial Protection Bureau has fined a XXXX law firm and the debt collection company it worked with and ordered them to stop filing abusive debt-collection lawsuits. '' This is a violation of the Fair Debt Collection Practices Act. They are attempting to sue me for a debt I did not sign for, the debt is too old to be sued on and are attempting to seize property. I have attached all documents, including a letter to XXXX XXXX.
Complaint sub-issue: Trouble closing card

Ive loaded {$100.00} on my Cash App Account and was Just Told Me Account Has Been Closed But I Was Told From XXXX  That The Funds Were Loaded Onto My Card Ending In XXXX. This happened on XX/XX/2020 Ive Been Trying To Reach Cash App Support But They Keep Telling Me My Account Is Closed I Just Need Help Retreving Those Funds .The authorities has been contacted due to the scam
Complaint sub-issue: Charged too much interest

Today XX/XX/XXXX i got a statement form us bank they are charging the interest even i pay the full amount of purchase plus the minimum payment they still charging me almost XXXX dollars interest. i speak to customer agent XXXX she said even i pay the full amount of purchase plus minimum payment at XX/XX/XXXX they still charging me interest that is not reasonable.
Complaint sub-issue: Information belongs to someone else

There are three accounts on my credit report that are not mine I have reached out to the bureaus regarding this but have received nothing back I need these gone from my account they are not mine I have not signed for them and have not used these. 

Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXXXXXX  XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Complaint sub-issue: Information belongs to someone else

i have been disputing three unauthorized accounts on my equifax credit file, these three are not mine, i have been telling to equifax for many months, but they have not been helpful, please find attached my police report in this regards an d have equifax remove these inaccuracies thank you
Complaint sub-issue: Personal information incorrect

Ive tried to get this company to correct these issues back in XXXX of 2022 Ive recently obtained my current consumer report and i noticed that there were incorrect spellings or variations of my name and as well as wrong addresses littered all over my report that needs to be removed, My name only has one correct spelling, and there should be no variations listed because my name has no variations then i need to be sent and updated copy of the changes. 

I was able to contact someone but no changes were made so now i'm here hoping to that the CFPB can get me some better results. 

attached with this complaint is a letter and my identification i have Enclosed to prove my identity and also the correct spelling of my entire full name and my correct and current address.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Complaint sub-issue: Their investigation did not fix an error on your report

This has been extremely hard for me and difficult I been trying remove these items off my report I have disputed these negative items off my report multiple times and no letters and the mail or nothing with verifiable content on why these items are on my report please look into this matter and because I look up the fair credit reporting act and there are clear violations as to why these items on my report should be removed
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

I received a California Middle-Class Tax Refund Visa Debit Card from XXXX XXXX XXXX XXXX a service of XXXX XXXX XXXXXXXX XXXX for {$1000.00} and managed by Money Network . 
I activated the card 10 days ago and created an online account with the Money Network. 
They requested the last 6 numbers of my social security to create the account. That was already weird. I waited 4 days for a balance transfer to my XXXXXXXX XXXX account. 
When I logged back to Money Network the balance was ZERO dollars because the card had been used five times at XXXX store in XXXX, CA on XX/XX/XXXX in the afternoon. 
I called the number on the back of the card and the representative told me they could not do anything about it and were taking notes of my issue and they did not know when this will be resolved. 
I also called the California FranchiseTax Board which has an arrangement with these fraudulent companies and every time you selected money network you will be directed to Money Network to tell you the same thing : " they can not do anything about it '' I need to get that relief money back into my account to use it as it was meant to be : a relief.
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX Please Remove the following Numbers : ( 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: Investigation took more than 30 days

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 
This has caused me defamation of character, severe hardships, XXXX, XXXX XXXXXXXX XXXX XXXX  loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted, I cant receive any XXXX LOANS. 


The FCRA ( federal law ) says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries. And when I challenge these inquiries, it's called opening a dispute. The company pulling the consumer credit must provide documented proof, for example a document with my signature on it, that I authorized and provided consent for the hard inquiry. If your company fail to provide this documentation, then XXXX, XXXX, and XXXX must remove these inquiries from my credit report.