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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You have really gone so far in disregarding my disputes. AGAIN, this state is unbelievable! Equifax and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Equifax so the reason we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let these fraudulent accounts distress my credit score. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. I have already extended my obligation by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Equifax. They became slipshod of the FCRA law and sustained reporting this information on my Credit File deprived of Proper Validation of Investigation. I am an identity theft victim ; my identity was used without my permission so why cant you understand that? I want you to be responsive and DELETE these items that caused me so much trauma. 

XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I dont have dates but many companies are running my credit without my permission and adding a lot of inquiries on my account and is messing up my credit
Complaint sub-issue: Privacy issues

Citigroup has violated federal law by not providing 5 years of statements ( eletronic or physically ) related to my account
Complaint sub-issue: Public record

I have XXXX tax lien via the state of Georgia on my Equifax credit report. I have attached documents that provide proof that the following should be deleted from my report.
Complaint sub-issue: Received bad information about your loan

Complaint being reinstated since American Education Services ( AES ) does not believe the information I have provided. I am including an example of their customer service representatives interaction. I believe that AES is basically calling me a liar since they denied all the information I detailed in my complaint. 

I have been removed from American Education Services ( AES ) borrower benefit program ( BBP ) that reduces interest rates by 1 % after 36 months of on time full payments unfairly and due to AES steerring me away from their automatic direct debit payment program. I was removed from the program due to a payment that was a few weeks late and a payment that was {$94.00} short of the payment since I was looking at an old bill. Had I been enrolled in their automatic debit payment program like I wanted to I would not have missed these payments. I was steered away from their automatic debit payments due to incorrect and misleading information. It is my belief that AES will not let customers that are trying to get into their BBP set up automatic debit payments since this will make it mush easier for them to qualify for lower interest rate. I was told in XX/XX/XXXXthat I could not set up automatic direct debit program to pay more than the minimum payment. I wanted to pay more to pay my loans off sooner so I did not set up automatic direct debit payments at that time. I again questioned automatic direct debit payments on XX/XX/XXXX and was told that " Unfortunately the lender does not allow a paid ahead status '' and I could only make minimum payments using automatic direct debit payments and would have to send two bills to make extra or over payments. Since then I have found out that I can pay any amount over the minimum payment. AES continually gave me incorrect and misleading information. I have e-mailed AES customer service over 6 times the past 3 months with out any reply or a response about the incorrect information I was given. The continue to not take responsibility for their actions in this circumstance and have denied my request to honor the 1 % interest rate reduction I should be qualified for since XX/XX/XXXXthat has resulted in 10 years of AES collecting higher interest rates from me unfairly.
Complaint sub-issue: Account status incorrect

I was set up with XXXX XXXX on auto pay, Payment of {$100.00} was withdraw from my account. Apparently I got short {$29.00}, which I was not advised about at all. I didn't get any email, txt or phone call that I am short {$29.00}. 
I am enrolled in all communication services with XXXX XXXX. 
They have reported me for late payment to credit report which effected my score dramatically. 

XXXX XXXX XXXX
Complaint sub-issue: Information is missing that should be on the report

Equifax again removed almost all of my accounts from my credit report. This is the third complaint regarding the same issue. Equifax on my first complaint put back all my accounts in the credit report, they removed most of my credit information again. Then for a third time they have done the same thing removing credit information from my report and reducing my credit score without any reason.I have tried to contact them by phone but is almost impossible to get to someone to answer me of this situation.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent a letter to Equifax on XX/XX/2022 requesting to investigate and verify the Accuracy of the accounts on my Credit Report. These accounts ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, ) are reporting erroneous information on my File. Despite the previous written requests sent to Equifax, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Equifax to investigate the erroneous accounts and have them corrected.
Complaint sub-issue: Personal information incorrect

I recently received a credit report from Equifax. I saw that my job classification on the report was 20 years old and i contacted them to update/change it. I have been receiving email notices from Equifax that states i am able to view the status of my dispute ... but for 5 weeks i have tried to access " view status of dispute '' on their website and have gotten " Service unavailable at this time. Please try again later ''. My complaint here is more about their sham web access than my original dispute about job mis-classification. I'm one taxpayer that thinks Equifax board members ought to be in jail for PII breach. I fully support the work that you do. Thank you
Complaint sub-issue: Trouble with how payments are being handled

Brief : XXXX XXXX miscalculated my AGI in XXXX of XXXX and discontinued my payment schedule under Income-based repayment. This caused two problems 1 ) my payment went up and 2 ) ~ {$15000.00} of interest capitalized on my  account. It has now been 9 months since XXXX XXXX error and I have spent >20 hours on the phone with them and the issue has only been partially resolved. I am now re-enrolled in IBR and my payments are back to the correct amount, however the interest that capitalized has still not been corrected, and continues to accrue compounded interest. 

XX/XX/XXXX : XXXX miscalculates my AGI, and discontinues IBR. ~ {$15000.00} of interest capitalizes and my payments increase to XXXX standard level. 
XX/XX/XXXX : I am advised not to pay the XXXX standard level ( ~ {$1800.00} ), but to pay my IBR amount ( ~ {$740.00} ). If i overpay and the issue is corrected, I was told it would be a lengthy process to get a refund from the 'Treasury '. I placed TWO requests with XXXX : 1 ) Re-enroll me in IBR and correct the payment amount ( Override request ) and 2 ) Un-Capitalize the capitalized interest ( ~  {$15000.00} ). 
XX/XX/XXXX - I am re-enrolled in IBR and payments return to correct level ( ~ {$740.00} ). However, the payment form XX/XX/XXXX is still " Overdue ''. 
XXXX : I spend >15 hours on the phone on separate occasions to expedite the payment override request, as I receive angry emails from XXXX for my " Overdue payment ''. It is finally resolved just prior to the payment being reported to the credit bureaus. 
XXXX : I spend > 5 hours on the phone attempting to resolve interest capitalization issue only to find out that the poorly-trained XXXX agents did not place the correct interest capitalization review. ( I was told they un-capitalized a single day 's interest from XXXX ). A NEW interest capitalization review is placed after a lengthy discussion with an agent that did not believe my interest had been capitalized ( see attached statements for proof ). 
XX/XX/XXXX : I called to check on status of interest capitalization review and was told that no estimate could be provided on when it may be resolved, if it was likely to be resolved, or any party I may contact to have these questions answered. 

My requests : 1 ) Please un-capitalize the ~ {$15000.00} and all compounded interest that  continues to accrue on my account ever since the XXXX error occurred XX/XX/XXXX. 
2 ) If the task can not be immediately performed, please inform me WHEN this will be completed.
Complaint sub-issue: Information belongs to someone else

I have been disputing with XXXX, XXXX and Equifax 3 fraud telephone accounts on my credit report. XXXX XXXX, XXXX XXXX XXXX all reported lines open under my name after my wallet was stolen with all my personal information. I sent them copies of my police report and have disputed it over 4 times with each creditor, as well as with the companies. All claim to remove it but it is still showing up as a derogatory mark on my credit. When I call them they sometimes claim they cant even find me in the system, not even as a fraudulent account. I have paid credit repair companies to try to get it resolved, but it takes so long i can't continue to spend money for a fraudulent account. This has been going on with all 3 companies for the last 4 years, I have spent hours and hours on the phone, submitted police reports and proof of my stolen identity without this getting resolved.
Complaint sub-issue: Received bad information about your loan

At the end of last year I looked into my public service loan forgiveness status as I have worked full time for the same non-profit for the last 9 years. I read on Fed Loans website that some of the loans I had were not eligible because they were in forbearance or differment. I had no knowledge of loans being in forbearance or differrent. The website stated to correct this I needed to apply for a consolidation. So I began the process. I revieved correspondence that said I could loose the credit I had already earned toward XX/XX/XXXX so I tried to stop the process. Further I got correspondence that my application was incomplete because I had not provided the appropriate references - my application was processed any way. The loans were consolidated - fastest process I have ever seen. I have NEVER experienced anything quicker from Fed Loan. Every year I verify my employment and wait almost the entire year or never to hear a status update. I then recieve notice that I lost all my years of credit toward PSLF. I have been on hold for over 2 and a half hours. My first call went in to Fed loan at XXXX - someone called me back about an hour later but could not see anything on my account- she tranferred me and here I sit on hold. I am angry and deeply saddened by this process. As I mentioned I have worked full time at the same non-profit agency for 9 years - this XX/XX/XXXX is a joke if all those years count for nothing. I would leave my number but- don't bother as I will most likely still be on hold with Fed Loan
Complaint sub-issue: Can't get other flexible options for repaying your loan

I attended XXXX XXXX in XXXX ... .basically over the years my account was sold to several companies ... and the interest rates are high on the account ... .I 'm currently unemployed and struggling ... ..I ca n't afford what they are asking me to pay each month.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

XXXX party credit monitoring service notified me of an issue with my credit report from Equifax. I tried to start the dispute, but when I tried to create an account with myEquifax, it said I already have an account. When I tried to reset password, it says I don't have an account. Customer service couldn't correct the issue and issued an IT support request. I received no response from IT. In my second call to them, I asked again about not being able to log in and was told that was common and I should get their paid service as a fix.
Complaint sub-issue: Debt is not yours

Hunter Warfield, acting on behalf of XXXX XXXX XXXX XXXX XXXX, is trying to collect {$1800.00} in debt for which I do not owe and has also not provided any proper written notification, violating The Fair Debt Collection Practices. My relatives and I have received numerous calls from Hunter Warfield. They have no authorized authority to contact my relatives and have used untruthful alias in attempts to have my relatives provide them with my personal information. 
Hunter Warfield has also unlawfully reported this debt to the credit reporting agencies resulting in it being reflected on my credit report. XXXX XXXX XXXX XXXX is already being sued for its actions and the lawsuit is still ongoing XXXX Case # XXXX ). XXXX XXXX is trying to get around the lawsuit by seeking to collect without answering the lawsuit by sending the case to Hunter Warfield. Even by sending the case to collections XXXX XXXX did so without following the proper legal process.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I sent 609 letters asking them to provide proof that the debt is mine and they couldnt I need real proof like signatures and ID cards
Complaint sub-issue: Old information reappears or never goes away

I had a fha loan in 2009 that was short sold. I was not delinquent. They just removed the dhi mortgage account from my credit & dropped my score XXXX points when I have had great standing with my credit & that should have been removed years ago but at this point my score should of went up instead of down. I have been working very hard on building my credit & every time Im in good standing they find a factious reason to change or add something negative to my credit that drops my score tremendously. I feel this is truly not fair & should be looked into & Reevaluated. Thank you for your time & consideration in this matter.
Complaint sub-issue: Investigation took more than 30 days

Can someone please help me! I am being taken advantage of and it is extremely unfair! My consumer rights are being violated! I noticed some inaccurate/fraudulent items that are reporting to my credit file. I have notified the credit bureaus and have sent them dispute letters over 90 days ago. I have yet to get a response to resolve my problem. I know that the items must be investigated within 30 days of them receiving my dispute letters according to the Fair Credit Reporting Act. I need the disputed items deleted from my credit file immediately. The credit bureaus are also using stall tactics to not respond to me, giving me responses like " they need authorization from me to proceed ''. I have attached my drivers license and a utility bill to verify my identity, can you please see that they delete all accounts that are disputed immediately please.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

On XX/XX/2018, I paid off the balance of the sellers loan, at the XXXX ID. branch of Key Bank. It has been seven weeks and no title has been sent. Myself and an assistant have made over twenty phone calls regarding this, with no resolution. As a result, I am unable to register the vehicle. Oregon allows only, two 21 day temporary permits witch we have exhausted. The Vehicle is now useless, and undrivable. This vehicle was to be used as primary transportation, and now must be parked until we get this resolved. This has created obvious and unnecessary hardship.
Complaint sub-issue: Transaction was not authorized

I EXPERIENCED SEVERAL UNAUTHORIZED TRANSACTIONS, THAT WAS CHARGED TO MY CHECKING ACCOUNT. THESE CHARGES WERE FALSIFIED BY, TME ( XXXX XXXX XXXX ) IN THE AMOUNTS OF XXXX, XXXX,XXXX AND XXXX.THESE CHARGES CAUSED AN OVERDRAFT ON MY ACCOUNT, IN THE AMOUNT OF XXXX. I FILED A FRAUDULENT COMPLIAINT WITH TCF BANK, THE COMPANY PUT ALL OF MY FUNDS BACK IN MY ACCOUNT, HOWEVER, TCF REFUSE TO WAVE THE OVERDRAFT FEE. I SPOKE WITH A BANK REP. AND A MANAGER, WHO REFUSED TO WAVE THE XXXX FEE. IN FACT THE BANK REP. THAT FILED THE COMPLIAINT ( XXXX ) STATED THAT ONCE XXXX XXXX, REFUNDED MY MONEY BACK INTO MY ACCOUNT, THEY WOULD WAVE THE OVERDRAFT FEE.
Complaint sub-issue: Information is not mine

1. There is an account on my report for services I never ordered nor received. 
2. There is an address on my report where I have never lived. My credit was used to open an XXXX account. I disputed the account years ago and filed a Identity Theft report with the XXXX Police Department.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 XXXXXXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I   am writing to dispute the following information in my file. I recently received a copy of my credit reports (  XXXX ,  XXXX ,  XXXX  ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all  XXXX  credit bureau agencies because it is making it very difficult for me to acquire credit.
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please remove these inquiries from my credit reports immediately.
Complaint sub-issue: Old information reappears or never goes away

Hi- On XXXX I opened an account with XXXX XXXX XXXX XXXX which pulled my credit report from Equifax . On that report was a collection from XXXX XXXX which doesn't show up on my reports obtained directly from Equifax dated XXXX or XXXX. This debt/account is beyond the statute of limitations and Equifax has been deceptive in providing reports to me which do not show this account, while at the same time providing lenders/banks this negative information behind my back.
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 Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

The Credit bureaus stated that my account with XXXX XXXX XXXX XXXX ACCOUNT # XXXX 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 inaccurate. This is grounds for removal from my credit report. The XXXX  and my state Attorney General 's office have also been contacted regarding this matter. 

They have 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 States that any consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681C ( A ) ( 5 ) States NO consumer reporting agency may make any consumer report containing any of the following : Items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S 2 ( A ) ( 1 ) States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Received bad information about your loan

I had called into customer service in XX/XX/XXXX because my grace period was over and applied for the income based repayment plan. I was told that I should consolidate my loans together so that I would have better option of paying off. This customer service agent did NOT educate me on what that meant and had me consolidate. When I called in again to apply for public service loan forgiveness a different represantative told me that had I NOT consolidated that my loans could've been forgiven as I had worked in a qualifying employer since XXXX. I wasn't told that once I consolidated none of that was possible. I have called in numerous times since then and customer service agents all tell me something different. I am very frustrated and just want to know why I can't get my loans forgiven when I qualified for them, instead they want me to start all over from XX/XX/XXXX on.