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

After reviewing my credit report, I noticed a series of inaccuracies on an account. ( XXXXXXXX XXXX ) I have disputed this account as inaccurate with XXXX, Equifax, and XXXX on numerous occasions demanding they do a proper investigation into the facts of the account information and it always comes back verified. How are they verifying this when the open date is different on all three reports, as well as the payment/collection/charge off dates? 
I have demanded that this account be removed due to the inaccuracies and unfairness of the report. This item is interfering with my ability to obtain housing due to it being reported as a rental. I have no knowledge of ever having a rental with this company. According to the FCRA, reports need to be 100 % accurate across all three bureaus. this is a direct violation of the law. 

Furthermore, my rights have been violated under 15 U.S.C. 1681 sec.602 ( a ) states that I have the right to privacy., and 15 U.S.C. 1681 section 604 that also states that a consumer reporting agency may not furnish an account without my written permission.
Complaint sub-issue: Was not notified of investigation status or results

I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer dispute. Im beyond stressed and at my wits end. I have been sending letters before this and still they have not sent a response. Please help its having a huge damaging effect on my credit report and score.
Complaint sub-issue: Reporting company used your report improperly

XXXX refuse to remove accounts from my report that was not authorized by me. The XXXX XXXX XXXX  and XXXX XXXX. XXXX XXXX XXXX Has been on my report for over 7 years and they still refuse to remove it off my credit report. Also there are several inquiries which I did not give consent to fringe upon my credit report those being XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX
Complaint sub-issue: Can't get other flexible options for repaying your loan

To Whom It  May  Concern : I am not writing to dispute the accuracy of the way my loan or the payments of the loan have been calculated, rather the appalling results of how the account 100 % benefits the lender and leaving the consumer ( me ) treated extremely unfairly.  Below is  an explanation of why I feel this way.   I finished my school education in   XXXX     and shortly after consolidated my student loans with  Great Lakes Borrower Services.  At that time my balance was {$68000.00} and today ( nearly 12 years later ) my balance is {$76000.00}. You would think I have not made any payments and the result of that is fees Etc. increasing my total loan amount, but that is far from the case.   My first few years out of college I did struggle to find a decent paying job that would allow me to make payments on my account but I did what I could and asked for deferments when I knew I just could not make the payments. I asked for assistance on the loan amount, but none was ever offered nor provided so I would have to defer my payments until I felt I could start paying again. At times I would pay small amounts just to make some sort of payment. Whenever I came into a bit of money I would try and make larger payments to also reduce the loan amount. I finally was able to get on my feet and start working a decent paying steady job and making my payments every single month so here is my main complaint.   I have not paid very close attention to my loan balance since I knew I had to pay on it a while, but recently looked at what I currently owe and I about had a   XXXX   XXXX  . Over the course of my loan I have paid {$31000.00}, but  STILL ow e {$76000.00} on a {$68000.00} loan! Seriously! I did some research on my account and notice that out of the {$31000.00} only {$1700.00} has gone towards my principle! Also, during the time I kept expressing concerns about not working and trying so very hard to pay what I could I was hit with thousands in interest charges! So somehow I have paid bac k ~45 % of my loan, but still owe ~110  % of the loan! How is this even legal?   At this point I am not even sure paying the loan is worth it or even an option since the more I pay the more I owe. I understand the concept of borrowing and paying interest, but the way this whole thing has worked out it seems like this is taking advantage of consumers not only when they are at their worst, but also at their best. At a minimum I would hope that the institution would waive the {$9500.00} of interest charges they hit me with while I was struggling to work and asking for assistance.     I thank you for your time in reviewing my complaint.
Complaint sub-issue: Reporting company used your report improperly

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


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

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Didn't receive enough information to verify debt

this company has violated my rights this company has not validated any of my specific request ( 1692ea ). They are still reporting inaccurate information on my character.

they have violated ( 1692cc ) by sending over information not specific not accurate information after asking for cease of communication.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I mailed a certified debt validation letter to collection agency, XXXX XXXX XXXX to verify this debt is mine. This creditor has failed to respond in a timely manner to my dispute and fail to validate this account correctly belonging to me, nor has my credit report has been updated that the account is disputed. After review my account as of XX/XX/XXXX, there has been no updates. Please strike and remove this account from Equifax until adequate validation has been received proving that the amount belongs to me and all information is correct.
Complaint sub-issue: Account information incorrect

FDCPA 1692e misleading false reporting how can you validate/verify from the same source and have the last reported date and last actives date different on two different bureaus things are reporting inaccurately on my credit report I sent a certified letter to Equifax credit bureau 2 months ago and got no response here is my tracking number to prove they received it.
Complaint sub-issue: Attempted to collect wrong amount

On or about XX/XX/XXXX, I was issued a loan from Loan Me Inc. I obtained this loan by phone. I don't recall receiving written contact for the promissory note. The call was advised it was 36 % percent. They verbally represented the facts by phone. After making more than 60 % of the principal amount I borrowed, I was no longer able to pay the large amounts of interest/payment. I did modified once for having payment arrangements due to payments to high of interest. Shortly after I wasn't able to pay off. 

Shortly later, I received a letter from XXXX XXXX XXXX, XXXX. dated XX/XX/XXXX stating that I owed {$3700.00}. This letter was sent by the law firm XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

XX/XX/XXXX I was served with XXXX XXXX XXXX lawsuit by XXXX XXXX XXXX claiming I owed {$3000.00} plus {$710.00} post charge off interest. {$3000.00}. plus interest from the date of the charge off debt, which was XX/XX/XXXX until of judgement. 

When I received the initial letter I thought it was a scam. When I was served, the copy of orginal promosinary note, which shows a interest rate that I was not aware of which is 137.65 % interest, APR. I was stunned, {$16000.00} of a claim. 


XXXX XXXX XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

After reading and understanding my federal rights as a consumer. The FDCPA intends to secure consumer right to privacy, and protect consumers from the use of abusive, deceptive, and unfair debt collection practices by debt collectors. I believe there is abundant evidence that proves Discover Card has been participating in abusive, deceptive, and unfair debt collection practices. I'm requesting that Discover Card please deliver a notice of debt pursuant to 15 USC 1692g including the material disclosure required under Truth in Lending. Federal Law requires a debt collector to send notice of debt within 30 days of receipt of the dispute.
Complaint sub-issue: Problem getting your free annual credit report

I have been a customer of the XXXX XXXX for 10 months and i have been entitled to a credit card. and my payments are punctual. but i cant check my credit score in any of the three company websites. i dont know what has happened.kindly can you check my credit score and let me know
Complaint sub-issue: Credit inquiries on your report that you don't recognize

EQUIFAX AND XXXX VIOLATING 15 US 1681b -PERMISSABLE PURPOSE ALSO VILAOTING 15 USC 1681j 15 USC 1682 Congressional findings furnishing inquires thats not attached or belong on my credit profile
Complaint sub-issue: Their investigation did not fix an error on your report

There is a collection reporting on my credit report from XXXX XXXX XXXX regarding a XXXX  bill from XXXX XXXX. I've tried numerous times to dispute this item thru the credit bureau but to no avail. I've tried to get more info about the collection from both the XXXX  company and the collection agency but to no avail. I've always had XXXX  insurance and I've visited this XXXX  office several times in the past and never was told that I had any outstanding bill. I always asked the receptionist if I owe any money prior to them performing any XXXX  work bc I like paying beforehand.. the receptionist would always check my insurance and advise me that no money was due ... I never received a bill for the collection amount of {$1400.00} or an option to even dispute it. This company was unprofessional with dealing with this matter. They placed me in a debt collection of {$1400.00} and reported to the credit bureaus which should be removed.
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 {$5900.00}, {$0.00}. 
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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 


-- AUTO LOANS OR LEASES 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$0.00} -This is not my account.
Complaint sub-issue: Privacy issues

I received multiple text and emails from Discover card about charges I never put onto the card. I call and everything adds up but why am I being spammed by Discover so often I am not sure. Please help and look into as these to me are malicious links getting into my info and possibly access to my phone and router ports.
Complaint sub-issue: Account information incorrect

There has been a hard inquiry into my credit from XXXX XXXX that I did not apply for. I am concerned that someone has stolen my social security number and is trying to get credit cards in my name.
Complaint sub-issue: Information belongs to someone else

Checking my report and I noticed some accounts are opened that I never opened the information doesnt even look accurate either I contacted the creditors they have no information of mines to provide back to me
Complaint sub-issue: Company closed your account

I had credit card account with Discover for almost 8 years. On XXXX XXXX XXXX.19 at XXXX I received email stated they closed my account. I guess its a XXXX XXXX from Discover. I completely paid off my credit card in XX/XX/2019, I had XXXX $ credit line on it. When I call them today to ask why did they close my account, rep stated well because your account was not really active we close it. I did explain to representative that I had tragedy in my family my Mom was XXXX, I went to XXXX with XXXX XXXX, one of the episodes XXXX XXXX XXXX XXXX, I lost most important person in the world! How can you do this to me. Plus I just had the XXXX on my XXXX, Im on XXXX. I was rely on this card to pay my bills. All what Discover representative said, well sorry but your account is closed. They absolutely not human! How they can act with the customers like that?! I just want all Discover customers to know that if you have a hardship Discover wont be there for you!
Complaint sub-issue: Not given enough info to verify debt

I am disputing this item and would like proper validation as these charges are not accurate. I 'm requesting full validation
Complaint sub-issue: Company closed your account

XXXX 's closed the account in XXXX, without notifying me. I had requested a new card, but they never sent it and subsequently closed the account for inactivity. I called for over an hour trying to get them to fix the issue, but the adamantly refused to reopen the account, insisting that I would have to reapply. This gives me a credit ding for the closing, and one more for reapplying. Plus, I lose 7 years of credit history. This is a despicable business practice.
Complaint sub-issue: Information is missing that should be on the report

Nelnet is updating my outdated credit report from 2003. This account has passed its time from reporting and they will not remove it. The balance is on XXXX and its been over 14 year but it continues to update and report as active. I need someone to look at this and verify it doesn't violate my right.
Complaint sub-issue: Information belongs to someone else

I sent Equifax and XXXX  a copy of a filed identity theft report on XX/XX/2021 certified mail and they've never responded to the issues that were addressed.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit act 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 : IT also states a consumer reporting agency CAN NOT furnish a account without my written instructions.
Complaint sub-issue: Received bad information about your loan

Requested a refund for all payments made through payment pause. I initially called on XX/XX/XXXX, and was told 90 days, and have only received a partial refund from Mohela, and none of my payments made through previous service provider. Mohela then said I had to request through XXXX XXXX. XXXX is saying they are no longer my service provider and its Mohelas job to send the remainder of my refund. Here is a timeline of all the times I called, and what happened on the day of the call. 

- XX/XX/XXXX Called Mohela to Request Refund - Mohela Claims Request Takes 5 Days - 7-8 Business Days To Process - XX/XX/XXXX Called Again - Estimated 60 Days Since I Also Had XXXX Servicer Change - XX/XX/XXXX Partial Reinstatement - XX/XX/XXXX XXXX In Bank Account - XX/XX/XXXX Called XXXX for Remainder - Request Takes 2 Weeks - 2 Months - XX/XX/XXXX Called XXXX - Can not Refund - XX/XX/XXXX Mohela Says Request for XXXX Balance Submitted XX/XX/XXXX - 90 Days to See Refund - XX/XX/XXXX Called Mohela Again, No Update - Told To Wait The time frames they have given have all initially passed with no updates on my account. Mohela is taking way too long to process my refund.
Complaint sub-issue: Problem getting your free annual credit report

XX/XX/19 - I went to XXXX to obtain my credit reports from all 3 credit bureau 's. I was able to see my XXXX report, but not Equfax or XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # XXXX I was never late 30 days XX/XX/2020 XXXX not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Complaint sub-issue: Received bad information about your loan

I initially submitted my XXXX request to Mohela on XX/XX/XXXX. They only consolidated my loans in XXXX of XXXX XXXXr. The payment counts are incorrect between the XXXX consolidated loans even though both loans were taken out and later consolidated at the same time. I submitted a second updated waiver in XX/XX/XXXX but they still have not processed that. With the waiver my loans should be forgiven.
Complaint sub-issue: Debt is not mine

At the end of last year I discontinued my XXXX service after nearly 20 years. The customer service rep I spoke with indicated I would be billed for the partial month of service in the amount of approximately {$35.00}. During that conversation the customer service rep mentioned I was also liable for a two-year " contract '' that included a {$150.00} fee, and that my final bill was {$180.00}. I asked to see this " contract '' I had allegedly signed and was told the contract automatically kicked in when I upgraded my service package a year earlier. I spent nearly XXXX minutes on the phone ( much of it on hold ) while I objected to this early terminate fee. Eventually the customer service rep conceded I did not owe the fee, and that I would be receiving a final bill for the {$35.00}. However, when the bill arrived it included the {$150.00} early termination fee. I again called XXXX XXXX and this time the customer service rep was very short with me, and insisted the {$150.00} fee was valid. I explained that XXXX weeks earlier I was assured the fee would not be applied to my final bill. The rep refused to budge, and informed me that if I failed to pay the additional {$150.00} XXXX XXXX would submit to remaining fee to a bill collection agency. They told me not to bother sending a check for {$35.00} because it was insufficient to close my account. Two weeks ago a firm called XXXX started calling my home phone number XXXX-XXXX times per day, at all hours, leaving messages that the purpose of their call was an attempt to collect a debt and any information I provided would be used for that purpose. I have not answered any of these calls, and they have sent invoices in the amount of {$180.00} so I am assuming that this is related to XXXX as I do not have any other outstanding debts, and am concerned this will impact my otherwise unblemished credit rating.
Complaint sub-issue: Reinserted previously deleted info

Back in XX/XX/XXXX a number of accounts were deleted from my reports per Credit Karma and replaced back on. With this happenng my scores down over XXXX points.
Complaint sub-issue: No notice of investigation status/result

I 'm not talking about The active XXXX XXXX account. You know exactly what I 'M TALKING About the closed the one that is closed I 'm looking at the same think that you are Looking at because I have the Equifax credit monitoring service and you see exactly what I see. Send me the info that I requested from you. You sent all this crazy mail to my box if you can send that Equifax why not send the original sign contract that give you the right to report bad info.. You keep saying the creditors I 'm not asking them I 'm asking you something the federal gov put in play to protect people like like Now quick with the XXXX and send it if you have!
Complaint sub-issue: Information belongs to someone else

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 other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were COLLECTIONS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge, including this incorrect information from my personal profile. A copy of my Bank statement, drivers License, and Social Security Number for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following are inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX also this account : US DEPT ED XXXX, I'm not liable for this account. Please provide all verifiable documents from this company, if not please remove them asap.
Complaint sub-issue: Investigation took more than 30 days

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.
Complaint sub-issue: Didn't receive notice of right to dispute

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 


XXXX XXXX XXXX XXXXXXXX / {$0.00} / XX/XX/2019 Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report.