Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Not given enough info to verify debt

Debt collection agency Told me my name and last XXXX of my social security. I did not have to verify anything I just stated yes it is my social security number. This is a blatent release of my sensitive information and I would like action taken if possible. 

XXXX - Manager XXXX XXXXaddress XXXX XXXX XXXX. 
XXXX, Alabama XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
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 The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Complaint sub-issue: Information belongs to someone else

I noticed a few inquiries on my report I did but authorize
Complaint sub-issue: Trouble with how payments are being handled

This complaint is regarding FedLoan Servicing, a student loan servicer that the federal government - unbelievably - sells their student loans to. I completed a year of service as an XXXX XXXX and received an education stipend in the amount of {$5700.00}. I submitted a request for FedLoan Servicing to accept this award through the XXXX login portal on XXXX XXXX, 2017. Today is XXXX XXXX, 2017. I called FedLoan Servicing and they dodged the question/did n't seem to know what was going on and gave me a quote of a 30 day turnaround time. I then called the XXXX XXXX XXXX Award hotline, and they informed me that since my loan was " Pending Institution Action, '' it is literally just sitting in the work basket of someone over at FedLoan Servicing waiting to be approved ( a process they informed me should only take a matter of days ). The XXXX hotline also informed me that they have notes in their system that FedLoan Servicing is the least cooperative loan servicer that they deal with. So I called FedLoan servicing AGAIN, took the advice of the XXXX hotline and asked to speak with an XXXX  administrator - they basically were like no, and again did n't really know what I was talking about when I mentioned my pending education award. They again gave me a turnaround time or 30 days - but instead of 30 days from XXXX XXXX, 2017, they said 30 days from XXXX XXXX, 2017. At this point, I can not believe that the federal government sells student loans to such a predatory organization. The longer that they choose to take " processing '' this award ( aka hitting the accept button in an online forum ) the more interest I accumulate. I imagine if they do this to every single XXXX Alum they deal with, it probably earns them a decent sum of cash from 1-2 months of interest accumulation. It 's disgusting. I 've heard similar horror stories of this kind both online and from people I know in real life.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently received a copy of my XXXX, XXXX, and XXXX  report. The credit report showed credit inquiries by a few companies that I do not recall authorizing. I understand that companies shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please remove all inquire from each credit bureau that is being reported on my credit file.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  has completed my disputes but the results are just as incorrect and I 've filed disputes multiple times. I can honestly see that   XXXX   is letting a computer determine the results because they do n't even make sense. When I call the executive office, they do n't really want to help, the only thing they want to do is argue. There are multiple incorrect accounts of which  XXXX  creditors are reporting incorrectly. The first  XXXX  is  XXXX  Bank, they have violated their terms and agreement and the late payment that was reported is incorrect.  XXXX  Bank has been reported to the FDIC for the improper conduct and the late payment was removed from  XXXX  and  XXXX . The second Creditor is    XXXX   XXXX   XXXX  , they sold th e account to  XXXX  collection Agency and as a result that TERMINATED the company 's legal right to continuously report. I 've sent in the info to show that the account was settled and closed in    XXXX   XXXX   XXXX  ,  XX/XX/XXXX  has yet to update and correct the account as closed. The third  incorrect Creditor is   XXXX  ,   XXXX   is incorrectly reporting that the account is still being charged off As of   XXXX   XXXX   that is incorrect the account was settled and closed in   XXXX   XXXX   XXXX  ,  XXXX  has yet to correct this. I know it 's not  XXXX  's fault because it 's been corrected on other bureaus except  XXXX . The last creditor is  XXXX . On  XXXX   XXXX   XXXX  has incorrect and mismatching information which violates several FCRA laws. I 've disputed and complained, sent in letters and the  XXXX  accounts are still incorrect. Multiple months are missing payments and it says ND ( no data ) instead of OK. That is incorrect and a violation. The fifth Creditor that is reporting incorrectly is Texas Guaranteed  XXXX   XXXX   XXXX . This was not a collection account nor charge off in  XXXX . The account was paid and closed in  XXXX . It has a negative payment for the month of  XXXX  when it was clearly paid off and closed. Another reason how I know it 's incorrect because the  XXXX  of  XXXX  does n't allow individuals to consolidate a student loan that is in DEFAULT. These companies are clearly violation FCRA. Experian is allowing the Creditors to report invalid information in addition to reporting and coding certain incorrect information on the credit report in order to recieve a profit. I 've asked several humans/managers/supervisor to look into this And not to let a computer decide, instead the only thing they do is dispute and let a computer decide. It 's a disappointment because  XXXX  line of the   XXXX    Mission Statement says " transforming our relationship with consumers and delivering growth consistently ''. Honestly, they 're not doing any of that for me and shows the company is not following their own mission statement. I hope THESE issues can get resolved quickly so I can have a chang e of  XXXX .
Complaint sub-issue: Information is not mine

This is a complaint pertaining to a background check completed by my employer. The company XXXX XXXX XXXX is reporting false information - none of the items listed belong to me. 
I contacted them for proof and they were unable to provide.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Reporting company used your report improperly

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

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
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 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 3. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 4. Unverifiable no data information XXXX XXXX Account Number : XXXX dELETE this account for failed to perform an investigation 5. Unverifiable no data information XXXX XXXX Account Number : XXXX dELETE this account for failed to perform an investigation 6. Unverifiable no data information XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Complaint sub-issue: Public record information inaccurate

This account is being reported inaccurately going back to XXXX. Conflicting payment information was repeatedly posted for XXXX - XXXX Charge Off vs. Paid vs. NR. Chapter XXXX note listed erroneously.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly that I am 30 days past due on XXXX XXXXXXXX XXXX XXXX - partial account number XXXX. ( Please see page 2 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Their investigation did not fix an error on your report

The attached document account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXXXXXX XXXX account : Please remove all of the inquiries as stated above, as they are listed below from the Equifax report XXXX The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below. This item shall be removed.
Complaint sub-issue: Their investigation did not fix an error on your report

I was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( XXXX, equifax, and XXXX ), and the original creditors, debt collectors, collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Payment history is completely inaccurate! Loans on Forbearance from XX/XX/XXXX to XX/XX/XXXX and XXXX XXXX showing 90 days late when XX/XX/XXXX - XX/XX/XXXX are on time. Another forbearance was granted XX/XX/XXXX - XX/XX/XXXX
Complaint sub-issue: Account information incorrect

After reviewing my most recent credit report I see an account listed for XXXX, however I see that the information listed for that account is incorrect and such incorrect information will further increase the negative impact on my credit scoring which is unfair to me as a consumer. Equifax has this account listed with incorrect DATE OPENED of XX/XX/2020. I spoke to XXXX and entered into a payment arrangement ( attached is text from XXXX confirming the payment arrangement ) so why is this account being listed as in collections, when I am clearly in an agreed payment arrangement which does not need any further collections activity or status or notifications. Why has Equifax not conducted the correct due diligence in reporting this account, their actions either negligent or willful misconduct can have caused an unnecessary further damage to my credit report and overall credit scoring.
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}, {$1500.00}, {$480.00}.

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. 


-- STUDENT LOAN 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$480.00} -This is not my account.
Complaint sub-issue: Reporting company used your report improperly

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 date last reported is not accurate. This is a ground for removal they also violated my rights under : 15 U.S.C. 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604A section2 : Also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

American Education Services Have repeatedly put disputed credit on my report after they were informed not to put anything until a resolution could be possible through an attorney. They place it 4 times with no owed money, just killing my credit.
Complaint sub-issue: Debt is not yours

I contacted CFPB in XXXX concerning this issue. 

Thankfully, the company claimed to delete the issues I stated. I've attached the notice from the company. 

But these charges are STILL appearing on Credit Karma. Credit Karma claims the company has NOT deleted the items. 

I want them to delete immediate as they promised.
Complaint sub-issue: Their investigation did not fix an error on your report

The XXXX XXXX XXXX XXXXXXXX XXXX credit card company made an agreement and accommodation on my account to waive two late payments for XX/XX/XXXX and XX/XX/XXXX and retract two associated late payment fee amounts of {$40.00} each relating to the two late payments in prior months during the time in which I was in good standing with a XXXX balance on XX/XX/XXXX. They did agree to waive these missed payments in good faith due to the circumstances related to covid that caused me to get behind these two times, also considering my record of on time payments for the last 3 years with them. 

After reaching out to them and making them aware of The Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), Pub. L. 116-136 ( CARES Act ) and how it addresses accommodations to consumers impacted by XXXX. I disputed my credit report because they continued to report both months that they accommodated under the status " 1 : 30-59 Days Past Due ''. However section 4021 of the CARES Act, Pub. L. 116-136, states that such an accommodation includes, for example, agreements to defer one or more payments, make a partial payment, forbear any delinquent amounts, or modify a loan or contract should be reported as current according to the following : Section 4021 of the CARES Act amends the FCRA to address how furnishers report accounts subject to an accommodation if : ( 1 ) a furnisher makes an accommodation with respect to one or more payments on a credit obligation or account of a consumer, and ( 2 ) the consumer makes the payments or is not required to make one or more payments pursuant to the accommodation. If the credit obligation or account was current before the accommodation, during the accommodation the furnisher must continue to report the credit obligation or account as current. If during the accommodation the consumer brings the credit obligation or account current, the furnisher must report the credit obligation or account as current. 

The dispute on my credit report for the reporting status was not handled correctly with XXXX, Equifax, or XXXX and they each continue to report the accommodated months on my credit report for the months of XX/XX/XXXX and XX/XX/XXXX as 30 - 59 days Past due instead of current despite the CARE Act consumer reporting requirements.
Complaint sub-issue: Information belongs to someone else

I have the ongoing victim of identity theft. I monitor my credit bureau reports and have had credit accounts taken out under my name. Ive notified the creditor and credit bureaus as well. The actual creditor is not removing the fraudulent account from my credit report and the credit bureau is ignoring my federal rights under the FCRA section 605b asking that fraudulent information be blocked from reporting on my credit file but instead only resubmitted the information to the creditor who then re verified the information and leaves it in my credit profile as a derogatory account. 
I have enclosed my current copy of my valid police report to substantiate my identity theft case. I have also filed a Identity Theft report with the FTC. The account is a XXXX account through XXXX Bank XXXX.
Complaint sub-issue: Problem during payment process

I got a call on XXXX/XXXX/XXXX from Citibank which is where my Goodyear credit card is financed stating that my account is 90 days past due and that I have been charged {$400.00} dollars in late fees. I have been a customer since XXXX and my account had always been setup on autopay. I have the statements to prove it, see attached. They said that I received an email that my account had been disenrolled but I did not dis-enroll it from autopay. It has been set up that way for years so why would I stop it now. When I checked the activity on the goodyear signon website, it said no activity at all for any of the months in XXXX. The supervisor that I spoke to on the phone could not explain why it said no activity. He kept referring me to an email which he could not prove that I disenrolled myself. I do n't check my personal email so I was not aware of this so called dis-enrollment. Somewhere along the line my autopay got removed but it was not by me. It looks like when my balance was {$0.00} the system might have disenrolled me. If they do n't have proof that I actually disenrolled myself, I want my account restored to prior state.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I accordance with the federal fair credit reporting act. The following hard credit inquiry needs to be removed from my credit report. Due to the fact it's over the two year mark XXXX XXXX Inquiry from XX/XX/XXXX 2019
Complaint sub-issue: Attempted to collect wrong amount

In 2017 a debt collection agency by the name of PMAB , LLC attempted to collect an unknown debt from me in the amount of XXXX.
Complaint sub-issue: Information is not mine

The following accounts and inquiries are a direct result of ID theft yet Equifax refuses to remove the accounts/inquires from my credit within 30 days are required by law : Accounts : XXXX XXXX XXXX and XXXX and XXXX XXXX. 
Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX