Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I summitted a FTC report which states they must remove fraudulent information from my report which they still have not done.
Complaint sub-issue: Didn't receive notice of right to dispute

I ran my credit card report and noticed a derogatory mark, which then I found out it was from a debt collector ( Progressive Management System ). I tried reaching out to them multiple times to find out more information about the debt since I was not aware of any debt but their customer service kept hanging up the phone as soon as I requested more information ( they did this to me three times ). I do not know what to do since they just stopped answering my calls.
Complaint sub-issue: Problem with product or service terms changing

On XX/XX/XXXX at-or-about XXXX, XXXX XXXX the Company Manager for XXXX XXXX  XXXX, Discriminated in a Continued ( Unfair/Unequal Rent ) for 9 Months of {$900.00}. XXXX XXXX On XX/XX/XXXX also, Discriminated in Fair Credit by, Theft/Tampering of my Debit/Credit of ' my WXXXX XXXX and XXXX XXXX XXXX. As, of XX/XX/XXXX I ' am being Discriminated in a Fair Opportunity for Housing.. As, XXXX XXXX has Dicriminated in Equal Rent as well as, Discriminated in Fair Credit Reporting.. And is intent on making Made Cause for Discrimination in Fair Opportunity for Housing. XXXX, has a responsibility working with the Credit Bureaus and XXXX XXXX XXXX to ensure that ' there is, Fraud, Theft or Tampering of my Accounts.. As ' this is ' an Continuning Affect for ' Fair Rent, Fair Credit Reporting and A Fair Housing Opportunity.
Complaint sub-issue: Their investigation did not fix an error on your report

I purchased a car with XXXX XXXX XXXX in XXXX. The Car was repossessed during my divorce proceedings and paid off in settlement in XXXX of XXXX. Account has been paid and closed since then and it is not deleted off my credit report.
Complaint sub-issue: Account status incorrect

Paid in full the account with aura financial, called they said they could not help do to that they made a transaction with the company ... aura  Doesnt exist anymore now its ( XXXX  ) ....
Complaint sub-issue: Other problem

I had a joint XXXX credit card account with my husband. He was the primary cardholder and passed away in XX/XX/2016. The account was later closed ( by them ). There was a credit balance on the account, which, as you can see, I did not receive ( see letter ).

Unfortunately, after the account was closed, there were additional payments made to the closed account. I did not realize that my banking system was set on an auto-pay schedule of {$400.00} per month. This was paid automatically, monthly, to the closed account, through my bank. At no point was I notified that these payments were being made to a closed account. They just kept receiving the money - month after month after month, without ever saying anything, whether by letter, phone or other method. 

I have attached a printout of the extra payments that were made to a closed account and which I am due in the form of a refund. As you can see, I am owed is many thousands of dollars ( {$400.00} plus the credit balance that existed before the account was closed ). 

Over the past few days, I tried calling several times, with lots of transfers and customer service reps - including their probate and funds recovery departments. Unfortunately, no one individual  seemed to be able to access all of the information or be able to resolve the problem. It has been very frustrating and I need help. 

Sincerely, XXXX XXXX
Complaint sub-issue: Problem with personal statement of dispute

There are XXXX accounts i have with fedloan servicing and the accounts show late payments on my credit report. I had talked to the Fedloan Servicing employee at the time and they said that they have noted the account with the financial difficulty and that there will be no negative reporting to credit agencies. Few month later The negative report showed up on my credit report, i have tried multiple times to contact them to resolve the issue and every time they deny the request.
Complaint sub-issue: Account information incorrect

THE 3 CREDIT AGENCIES : XXXX, EQUIFAX AND XXXX  ALL HAVE ALLOWED XXXX XXXX TO KEEP ON A LATE PAYMENT FROM XX/XX/2020 - WHICH IS AT A TIME WHERE MY ACCOUNT WAS RESTRICTED ( RESTRICTED FROM XXXX TO XXXX ), I COULD NOT USE THE ACCOUNT AT ALL AND THEY WERE JUST ADDING " ADJUSTMENT INTEREST '' CHARGES OUT OF NOWHERE TO A BEFORE {$0.00} BALANCE & WHEN I TRIED PAYING THE ADJUSTMENT CHARGES, THE ACCOUNT WOULDN'T ALLOW IT, A STAFF REPRESENTATIVE SAID ITS DUE TO RESTRICTION AND NOT TO WORRY ABOUT IT. RESTRICTION OF ACCOUNT GETS LIFTED IN LATE XXXX AND XXXX XXXX THEN REPORTS A LATE PAYMENT IN XXXX TO MY CREDIT REPORT ON ALL 3 BUREAUS. 

YOU KIDDING ME? I NEED THIS FIXED ASAP. IM DISPUTING THIS XXXX XXXX XXXX XXXX PAYMENT HISTORY, IM 100 % ON TIME, ALWAYS ON ALL MY ACCOUNTS. FIX THIS. FIX THIS, ALL 3 BUREAUS NEED TO DISH OUT A DISPUTE FOR PROPER PAYMENT HISTORY VERIFICATION ON MY BEHALF. 

IVE ALREADY TALKED TO XXXX  STAFF ABOUT THIS ERROR AND THEY SAID THEY'VE SUBMITTED THE DISPUTE OF INACCURATE PAYMENT HISTORY TO THEIR DEPARTMENT BUT I HAVEN'T HEARD BACK FROM THEM SINCE SO IM HERE NOW. 

WANT THIS WHOLE DEAL TO BE UNDER CFPB SURVEILLANCE SO IM HERE ...
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account Number ( xxxxxxxxxx XXXX-full account number not provided ), has violated my rights : 15 U.S. Code 1681Section 602 A- Violated my right to privacy. 

15 U.S. Code 1681 Section 604 A- A consumer reporting agency can not furnish an account to my credit report without my written instructions.
Complaint sub-issue: Problem with customer service

I currently have 4 Direct Consolidation Loans serviced at FedLoanServicing. 

Following the XXXX pandemic, the Federal Student Aid website ( XXXX XXXX XXXX ) states that Any payment you made during the administrative forbearance period (XX/XX/2020, through XX/XX/2020 ) can be refunded. Contact your loan servicer to request that your payment be refunded. 

On XX/XX/2020, I submitted an online ( https : //accountaccess.myfedloan.org/contactUs/index.cfm? event=sendUsAnEmail ) email request to FedLoanServicing to get a refund for my XX/XX/2020 auto debit payment in the amount of {$540.00}. On XX/XX/2020 at XXXX XXXX, I received an automated email reply with subject line FedLoan Servicing confirms receipt of your email that stated, Thank you for contacting us. In response to your email, we wanted to share some of the information that our customers have found most helpful to answer your Billing & Payment questions. The email additionally provided web links to Frequently Asked Questions and also stated that, If you can't find what you need online, give us a call at XXXX and speak to one of our experienced loan counselors. 

It has been 48 days since my initial request, and I am concerned that FedLoanServicing is not processing my refund request that I sent them on XX/XX/2020. 

I would like to seek out the assistance of the US Consumer Financial Protection Bureau to ensure that the refund of my XX/XX/2020 payment is processed by FedLoanServicing.
Complaint sub-issue: Information belongs to someone else

The account/company name is XXXX/XXXX which is being reported on my Equifax credit report with a {$0.00} balance. 

Creditor Information : XXXX/XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX ( XXXX )  XXXX I have contacted Equifax to question the accuracy of this account and verification as I've informed them the account is not my account. The account previously reported with a remaining balance. Upon my contacts, the information has been changed and it is now reporting a XXXX  ( {$0.00} ) balance with the following statement : " You've paid off 100 % of the original amount. '' However, underneath the Payment History it is being reported as a " charge-off '' account for the current payment status and the worst payment status. 

I've contacted Equifax both via phone and writing. I've contacted Equifax on numerous occasions regarding various incorrect information that was being reported on my credit report. I've spoken with a representative at Equifax on XX/XX/XXXX in which I've received the confirmation # XXXX. I also spoke with a Rep at Equifax on XX/XX/XXXX and I received the following confirmation numbers XXXX and XXXX. 

I have also contacted the creditor in which I have received no form of correspondence in return. In addition, Equifax, has not sent any correspondence to me via mail or in writing ( or by no method ) in response to my complaints. 

I have reached out to both the credit bureau as well as the creditor with no help from either. This account does not show on any other credit reports. This issue has been very stressful for me. I am only seeking help and assistance in solving this issue. I would greatly appreciate any assistance you are able to help me in getting this negative account that is not my account " removed '' from my credit report please. 

Thank you!
Complaint sub-issue: Investigation took more than 30 days

I have been waiting for a late payment to come off my report for 60 days its been almost 90 days, the Creditor of my account sent a letter out XX/XX/XXXX and there is still no change of the account, This late payment is ruining my life. The creditor has requested that the XX/XX/2021 must be accurate to paid on time. I have attached my license and the letter from the Creditor
Complaint sub-issue: Debt was paid

The amount that I have been paying already is being handled by XXXX XXXX Senior Financial Counselor Revenue Management at XXXX XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Debt was paid

Plusfour is trying to collect a debt of {$5.00} that was paid. I sent them a copy of my check for XXXX $ paid to XXXX XXXX. I contacted XXXX XXXX and they told me I had no balance owed. I want this XXXX  $ removed from my credit report. It was from XXXX. I disputed with XXXX and still no results.
Complaint sub-issue: Debt was paid

XXXX XXXX from TrueAccord contacted me via email on XX/XX/XXXX concerning an alleged debt from an account with XXXX XXXX which was an account from XXXX XXXX XXXX, all of which is not legitimate. 
The XXXX XXXX XXXX  was paid in full prior to the Consumer ( me ) closing the account in XX/XX/XXXX, after that I have no knowledge.

I asked True Accord to validate the debt and instructed them there was to be no further contact with me until they had the ability to validate this alleged debt, however XXXX XXXX from TrueAccord continues to contact me frequently via email on the following dates. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX True Accord acknowledged receipt of the validation request letter on XX/XX/XXXX. 

Attached document is the validation request provided to TrueAccord on XX/XX/XXXX and the acknowledgement that they will not resume collection activity until I have been provided validation documents. 

I have not been provided with any validation documents.
Complaint sub-issue: Information is not mine

I am a victim of credit fraud and there has been unathorized inquiries on my consumer report, I disputed this information with the creditors and they informed me that they ca n't do anything about it and that I should contact the credit buruea to remove this inquiries. They are adversely affecting my report.
Complaint sub-issue: Information is not mine

This company is continuing to request payment for accounts that I do not owe on. 
{$810.00} from : XXXX XXXX on XXXX XXXX, 2014 on behalf of XXXX. 
These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to EQUIFAX. This needs to be removed ASAP. I am unaware of the accounts and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. I will contact the Attorney General AS WELL against EQUIFAX and in their respective state and both of these companies if this is not resolved NOW! 
I 've ALWAYS had this type of trouble before with EQUIFAX. My report with them has always been incorrect. From having an out of date address from over 6 years ago as my main address to not having all of my current TradeLines listed that are active and in good-standing.I 'm not surprised! 
I am a veteran and a XXXX XXXX and I do not deserve to b treated this way. I will file a I fought for your freedom young man/woman! law suit against this CRA IF These entries are NOT removed! 
ALL references regarding this account must be deleted from ALL reporting agencies.
Complaint sub-issue: Information belongs to someone else

I checked my credit report and i saw accounts which are not mine. I believe that someone used my personal information to apply for these. I have no agreements or contracts with these companies.
Complaint sub-issue: Trouble with how payments are being handled

My wife and I are parents that have had XXXX children go to college that are paying back student loans. I supported all of my children by co-signing for their loans, one of which, I was able to pay off. In order for my youngest child to finish college at XXXX XXXX University, over the phone, I agreed to the loan, later to find out it was a " Parent-Plus loan '' loan that she nor I were given details about the loan terms, nor did we understanding this type of loan or the ramifications of it's terms. My daughter called me from the finance office of the school at the last moment for her enrollment. My complaint revolves around how my payments, to date, are being credited to the loans, extreme interest charges, and the lack of explanation as to why and how the fees and charges are causing the loans to increase, regardless of the payments made to date. The original loans for the Parent-Plus Loans totaled {$36000.00}. Since XX/XX/XXXX, I have consistent made payments totaling XXXX, but my total balances have continued to increased, to date, to {$42000.00}. I have attached documents explaining the terms, payments and balances of the loans. My wife and I would like to apply for assistance with the loans or forgiveness, given that she and I are XXXX years of age and are at our retirement ages. Please review the attached " Account Balances Statement '', original loan amounts and outstanding principal balances column for balance discrepancies and exorbitant terms. Also see the Detailed Payment History report and Account Snapshot and advise. 

Thank You, XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

I started getting calls from Citibank when my bill was 8 days past due. I spoke to someone, explained that I was unemployed and looking actively for work, and that when I got a job I'd pay them. 

The woman on the phone said " the collection efforts will continue '' and then acted like she didn't know that unemployment is a hardship. ( Seriously, they can't figure this out? ) Ever since I get a few phone calls from Citi a day, and they never leave messages even though in the initial phone call I complained about this. 

To date I have yet to even receive a written notice that I'm late! This is ridiculous. Shouldn't some kind of written notice be sent BEFORE they start calling?
Complaint sub-issue: Information belongs to someone else

It has been discovered that you are not DISPOSING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXXXXXX XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXXXXXXXXXX XXXX {$73000.00} ; XXXX XXXX XXXXXXXX Balance {$20000.00} ; XXXX XXXX XXXX {$17000.00} ; XXXX  XXXX Bankruptcy XXXX Dismissed ; XXXX XXXXXXXX Bankruptcy XXXX Dismissed ; XXXX  XXXX Bankruptcy XXXX Dismissed ; XXXX XXXXXXXX XXXX  {$17000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as a copy of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
Complaint sub-issue: Not given enough info to verify debt

collection agency -afni -amount XXXX -this goes back to 2015 -the company is XXXX -i cancelled them in XXXX 2015 -owing them nothing -in XXXX 2015 i recieved a letter stating, that they terminating my service due to none payment -this the XXXX collection agency -all i wanted is an itemized biil -which no one can prvide me -if they did and i felt i owe this, id have pad this by know -but instead they chose to report me to the credit reporting agencies - this time its XXXX - maybe you can forward tis to themm, and advise of further actions i can take against afni - thank you XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX was not resolved. See feedback
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed 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 lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. I am submitting this complaint to you today to request that Equifax provide me copies of documents bearing my signature to verify the status of the disputed account. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Remove the late payments from this account : XXXX  XXXX
Complaint sub-issue: Trouble with how payments are being handled

Have made several additional payments to the subsidized loan amount and submitted funds according to American Education Services requirements along with a letter stating specifically the amount to be applied to the subsidized loan. Twice now, they have split the amount between the subsidized and subsidized amount and it has taken 2 months to dixe the problem. Now they have done it again, even though I sent them a form letter from their website stating where I wanted the extra funds to be applied. I feel this is predatory practice and I am unable to find any solution to this.
Complaint sub-issue: Information belongs to someone else

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX/XXXX  XXXX {$940.00} XXXX XXXX XXXX {$71.00} XXXX XXXX XXXX {$680.00} XXXX XXXX  XXXX {$140.00} XXXX XXXX XXXX {$110.00} XXXX   XXXX  XXXX {$19000.00} XXXX  XXXX {$12000.00} XXXX  XXXX  XXXX {$610.00} XXXX  XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Complaint sub-issue: Information belongs to someone else

I am filing this report because today XX/XX/2020 I discovered two accounts on my credit report that do not belong to me. The only reason why I even looked at my credit today is because I was going to ask for a credit line increase for one of my credit cards and I wanted to make sure they would approve the credit increase. The account names are XXXX XXXX XXXX XXXX XXXX XXXX. I have no relationship, contract or agreement with either of these companies and I did not give them permission to run or access my credit. At this time I don't know who is responsible for these accounts but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I have filed this report to the best of my knowledge.
Complaint sub-issue: Information belongs to someone else

15 USC 1681c-2 states that you must Block and Removal of the information on my Credit report.
Complaint sub-issue: Company closed your account

Please see attached letter and documentation for detailed explanation. Company has, without warning or justification, closed my account, and offered no recourse to this action.