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

I make payments under the IBR plan. I submitted documentation for recertification in XXXX, but was denied. I was single when I filed taxes, but I am married now ( we plan to file separately ). I was told to put " can not reasonably access spouse 's income '', but was still told to submit my spouse 's income. I was then told to submit another application and have my spouse include his income, but before pressing submit the form stated that they should only submit, if they have student loans and plan to file jointly. So, that was also denied. 

My recertification period is almost up and interest has been capitalized on my loans AND my payment is at its standard level. 

How can this be fixed? I have followed the instructions of multiple customer service representatives at FedLoan Servicing and nothing has worked or been " fast tracked ''.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Never Authorized credit inquires ( Not associated with an open account ) Identity Theft Victim!!!!
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX  are reporting incorrectly a collection/chargeoff, as well as ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and therefore there is no payment to be late on and no balance to collect/chargeoff. This false reporting of lates and a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Complaint sub-issue: Account information incorrect

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. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXXXXXX-Balance {$310.00} XXXX XXXX XXXXXXXX-Balance {$5000.00} XXXX XXXX-Balance {$0.00}
Complaint sub-issue: Information belongs to someone else

i have no knowledge of this account according to the FCRA this item must be removed
Complaint sub-issue: Account information incorrect

Texas child support division isn't reporting on my credit report right I am not 120 days past due I want it removed I want 120 past due removed
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX/Equifax have done two investigation with the OAG child support division and come back with the incorrect information both times, when I am able to call during any business hours and get the correct information from the first person I speak to. XXXX/Equifax has my obligation starting before it was ordered to start, as well as missed payments when I have not missed one payment.
Complaint sub-issue: Public record information inaccurate

Bankruptcy listed with Equifax, XXXX and XXXX has incorrect information listed. Bankruptcy is listed with a XXXX dollar amount. Disputed with credit bureau asking for them to provide proof of how the information was verified. No information was provide.
Complaint sub-issue: Trouble with how payments are being handled

XX/XX/XXXX I emailed in a signed payment allocation letter after speaking to Fedloans about 0 % interest applied. I asked on phone too that payments beyond min due go to loan with lowest balance. I have email confirmation of this XX/XX/XXXX attached. Its been a year and payments not applied in this way. XX/XX/XXXX Im told its because I rejected the foreberance since no payments are required until XX/XX/XXXX. The rep hung up on me. Previously I was told not to pay extra while on PSLF program and I removed the pay ahead status. I was in qualifying payments plan working for nonprofit for a year only 4 payments were applied! I was also charged future interest after satisfying the capitalized interest due. Ive sent multiple allocation requests or asked many times by phone on how make extra payments towards principal. Ive even allocated on website. Its a consolidation. Last XXXX I was told payments would be applied or transferred to lower balance loan its NOT not happening. XX/XX/XXXX told the same. They have lost forms or letters to verify income job placement when I get fax confirmation. I transferred this from XXXX in XXXX and big mistake. Were looking to refinance or move servers when 0 % ends and have open disputes with the lender. Ive not received any emails since XXXX so I updated my email online. 

Attached are the two payment allocation letters and information on lender site about being able pay loans off faster. Attached are copies of bills from XX/XX/XXXX and XX/XX/XXXX. Attached is receipt of my compliant against lender regarding public service loan forgiveness repayment program.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the FAIR credit REPORTING act everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated but how is that possible if the " open date '' is inaccurate, the " date Last Active '' is inaccurate, and the date " Last reported '' is not accurate. This is grounds for removal they also violated my rights under 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 consent.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the XXXX Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX CARD Account Number : XXXX ; XXXX CARD Account Number : XXXX ; XXXXXXXX Account Number : XXXX ; XXXX OF XXXX Account Number : XXXX ; XXXX XXXX-REPORTED Account Number : XXXX ; XXXX XXXX-REPORTED Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  XXXX  Account Number : XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

Account Number  XXXX  Debt Collect or : USCB AMERICA Date Op ened :  XXXX / XXXX /  XXXX   Past Due Amount : {$260.00} Contact Phone : (  XXXX  )  XXXX  Contact Address :  XXXX   XXXX   XXXX    XXXX   XXXX  ,  XXXX   XXXX   XXXX  CA  XXXX  Original Creditor :  XXXX   XXXX  Account Number  XXXX  Debt Collecto r : USCB AMERICA Date O pened :  XXXX / XXXX /  XXXX   Past Due Amount : {$290.00} Contact Phone : (  XXXX  )  XXXX  Contact Address :  XXXX   XXXX   XXXX    XXXX    XXXX ,  XXXX   XXXX   XXXX  CA  XXXX   XXXX  Creditor :  XXXX   XXXX  I foun d two collection account posted in my credit account, by USCB Collect  ion . I wa s never aware of this account, i never received single letter or phone call regarding this account. It looks wife visited hospital hospital when we were separated, I was never aware of this account or her hospital visit. without sending the bill and letter debt collector just posted collection account in my credit. I contacted them an d payed in full. still they refused to delete. even though if account will be updated as paid in full, still it will affect my credit score.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Account status incorrect

In XXXX of 2022, I contacted the student loan service department concerning accounts showing as late payments and was assured this was not from their reporting. My actual account information from the loan servicer shows the accounts are in National Emergency Forbearance Act and never late. However, the credit reporting sites continue to have this erroneous information on my report. I have requested it to be removed to no avail. Please correct this information as it is causing emotional stress to me. 

Warm regard, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX has violated my right. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2.

It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

This is my third request to you to remove the fraudulent accounts and information you report on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to please remove the following items as they Fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you believe that the disputed items are accurate and belong to me, I request of you to please send me copies of proof of verification from your investigation. If you can not find any documents to support your claims, please immediately remove the disputed accounts and information from my Credit File as soon as possible.
Complaint sub-issue: Account status incorrect

My car was repod on XX/XX/XXXX ... i payed to retrieve my car on XX/XX/XXXX. Was unable to physically pick up my car until XX/XX/XXXX bc my car was shipped to auction with the intent to sell prematurely. After getting the run around and having property stolen out of my car which a police report was filed. I was still within my 15 days of redemption. The finance company XXXX XXXX XXXX reported on XX/XX/XXXX that the account was closed and a reposession was placed on my credit report. After i spoke with them repeatedly during the XX/XX/XXXX-XX/XX/XXXX time frame and treated like i personally stoke money owed each rep they said the account was still open and now i have {$3000.00} additional added to my already high car loan and when Im only late around {$1400.00} and i paid {$560.00} to get my car back. This is legit a predatory lender and they lie to get the funds they want. Im already paying extremely too much for a car that was a lemon when they financed it and have spent well over {$2000.00} in the last 3 months to fix it. Regardless of late payments i dont need incorrect information reported on my credit report. I would like this resolved just as quickly as it was reported. Since yall were so quick to try and sell my car before my time was up. I already called and was to have someone in credit reporting look into it yet all i get was remarks. No the loan is still open and i would like it reported accordingly.
Complaint sub-issue: Information belongs to someone else

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please delete the items as soon as possible.
Complaint sub-issue: Other problem

Had problem with a merchant. Filed a dispute with XXXX XXXX on XX/XX/XXXX after attempting to solve with merchant 3 times. 
Was told repeatedly that claim was solved in my favor by XXXX reps and a supervisor in XX/XX/XXXX. I have been told a different scenario almost each and every call I have made. I am told " '' '' rep didn't document call for XXXX mins '' " we do not know why claim agent did not call '' " we will put in another request for them to call '' " we have no record of that '' etc etc. 
As a matter of fact the charge of XXXX has been added and removed XXXX separate times. 
Now the charge was reversed again on XX/XX/XXXX and after faxing the entire story yet again on XX/XX/XXXX I was denied an appeal. I have called several times over this. All calls have been documented by the main US Bank. They have had me wait to talk to a case XXXX XXXX separate times ( they never call in XXXX hour period as you are told ) I have to call again and again. Now I'm being told there is no one to take my call directly for the claim. I am awaiting call records from bank to show all the calls I have needed to make to this department. And now they are denying me an appeal even though I have submitted more documentation within the 10 day appeal period. They claim since I paid for service I can not dispute it saying their hands are tied. But my issue is with a rental company that takes payment upfront. This was all stated to them many times verbally and in writing. Vehicle was mechanically broken, I was denied another functioning vehicle from the XXXX XXXX and falls under customer goods and services " NOT AS RECEIVED '' rule which they are fully ignoring.
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 and 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.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX  and Equifax has been reporting incorrect information on my credit file that was involved in identity theft. They have several incorrect addresses, names, accounts and phone numbers. A police report has been sent to them several times and yet they continue to report incorrect information including my social security number.
Complaint sub-issue: Reporting company used your report improperly

These Consumer Reporting Agencies and XXXX XXXX have continued to defame my character, as well as with their continued identity theft since I have never given written authorization to share any of my personal information, including BANKRUPTCY to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my relationshp, and paying higher interest rates for insurance, etc. XXXX XXXX is the ringleader and pushing XXXX profling by fishing for via third party sites and selling consumer information to the Credit Reporting Agencies and other entities, with out consent from the consumer allowing them to verify and not validate inaccurate and disputed information as fact. Along with Equifax they are committing fraud and breaking consumer laws. And with Equifax having one of the largest Identity breaches, im not surprised. I am a victim of that breach. XXXX is following suit stating that the disputed information is verified however, according to the US Bankruptcy Court of Chicago- they do not report bankruptcies to any consumer reporting agencies and the information is only available in XXXX. Which also does not furnish information to the CRA 's. So these unscrupulous consumer reporting agencies go digging for consumer 's private information just to sell for a profit off of our misfortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When I call to have something resolved they act like they can not verify me, and give me the run around to solve any issues. YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE. 1. I DO NOT consent to updating, I have disputed and asked to have it validated and even with documentation stating they couldn't not have received the information via the court STILL XXXX, Equifax and XXXX XXXX are REPORTING INACCURATELY, XXXX has already deleted the error and All need to be reporting the same information per the FCRA -** I REQUEST BLOCK/DELETION. ** 2. No record of this bankruptcy is to be added back ever again. 3. I request that it be removed within the next 5 business days, and send me an updated consumer report after deleting said bankruptcy. I have already been apart of the Identity theft breach with Equifax and have had to deal with too many issues involving my Credit profile and sensitive information.This is the second time my information has been leaked because of Equifax 's terrible security measures and they won't fix my erroneous errors once I notice incorrect actions and I wasn't even able to access my credit report since 2019!!!! Ridiculous!! Please Promptly delete the Bankruptcy record.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX is an account shown as closed on my Equifax credit report. I have absolutely no previous business with this company. I dont know who this company is. I need this to be deleted and removed from my credit report immediately please.
Complaint sub-issue: Reporting company used your report improperly

Equifax is reporting accounts that have no right to be on my consumer report and ignoring my request for copies of consumer applications in my file that was sent to them for verification. I sent a letter on XX/XX/XXXX along with a notary proving I am the person sending this letter through USPS certified mail. Both letter and notary is attached to this dispute. In that letter I stated that this was a request for information and it is NOT A DISPUTE LETTER. Since all consumer applications must be verified, copied, and retain in the consumer file, I asked for the consumer applications for the accounts listed in the letter. Along with verify the information on the consumer report, it must PROOF that the data furnisher has any permissible purpose to view my consumer report and PROOF of any financial agreement that allows the data-furnisher to report any information to my consumer report. I noticed on XX/XX/XXXX, instead of providing the information, Equifax opened disputes against these accounts. WHY WERE DISPUTES OPENED WHEN I STATED THIS WASN'T A DISPUTE LETTER? AND WHAT FALSE CLAIM DID EQUIFAX SEND TO THE DATA-FURNISHERS? No dispute should have been made, just provide the requested information. If I did dispute, it would be with Equifax for being Non-Compliant with the FCRA by not verifying the consumer applications.
Complaint sub-issue: Information belongs to someone else

My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Complaint sub-issue: Problem with personal statement of dispute

In XX/XX/XXXX I was late on one payment. Called my loan care to get options. They said I have none. Called again they told me I could do a trial loan modification. Started the process. Was told I would need to pay 3 months and it wouldnt affect my credit score. Also that I could choose to not do it at the end. After 3 months the company went silent did not respond to my calls or email or inquires for help about next steps. Then was told I failed to make 4th payment and have to start over. Called over 5 times looking for call back from manager no responses. Covid hit was told I had to go in forbearance and not do another mitigation because they werent doing them at that time. Was told it would not affect my credit. Called for several months asking when I could comeplete the modification. Finally was able to complete the modification in XXXX. Completed the 4 months. Company told me that my credit report would be changed to reflect payments. I have been making payments continuously only during the 6 month period of forbearance. Was told I had to do forbearance or pay an amount that equates to like XXXX plus interest and not the original debt of the past due payments. I have attempted to email and all this company to fix the errors of the months they are reporting I did not make a payment when Im fact I was making payments under the trial modifications and in a period of forbearance. I was given misleading damaging information that almost out in to bankruptcy and foreclosure from one late payment. I was told during that one month of a late payment my only option was a loan modification which is untrue. Ive asked them to pull the calls several times. I would have not entered into any agreements without the false and misleading information from their staff. Now I am showing that I have not maid a payment since XXXX when in fact I have been making payments. They refuse to investigate or fix their mistakes. They have been made aware of my complaint for 2 years now and have failed to act or remedy the situation
Complaint sub-issue: Banking errors

On XX/XX/XXXX, Citibank subtracted from my account {$2500.00}. The entry on by Citibank statement stated : " Return of Unpaid Deposited Check. '' I complained to Citibank that I did not have any {$2500.00} credit for check deposited into my account so how can this mysterious check be returned as " unpaid. '' Citibank provided me with a copy of an {$2500.00} check # XXXX dated XX/XX/XXXX drawn on an account of someone by the name " XXXX XXXX XXXX XXXX. '' The main point is that said check # XXXX does NOT appear as " deposited '' nor is there a {$2500.00} credit into my Citibank account at any time prior to XX/XX/XXXX. 

Since there was never a " credit '' of {$2500.00} into my account, the {$2500.00} subtracted on XX/XX/XXXX was my money alone and not Citibank 's money. 

Citibank continues to focus on some mysterious bounced check # XXXX, which check # XXXX may in fact have bounced in someone else 's account. However, since this check was never deposited into my bank account, how can Citibank remove my money to cover this check. 

My pleas to return my own money to me have been denied by Citibank
Complaint sub-issue: Account information incorrect

I checked my credit report and noticed that I have   one   account in collections with   XXXX   XXXX  . I have no knowledge of ever obtaining this debt.