Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax XXXX Information Services , Inc. 
XXXX XXXX  XXXX XXXX, GA XXXX RE : XXXX XXXX Report # XXXX XX/XX/XXXX, Dear Equifax , This letter is a second request based on new evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. XXXX v. the United States, 328 F.3d 132, 139 ( 4th Cir. 2003 ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; a detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. 966 ( 2d ed. 1983 ). 
The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA. For your convenience, I have listed the inaccurate items below : Please delete the following inaccurate item. 
XXXX XXXX XXXX XXXX XXXX $ XXXXAlleged Debtor : XXXX XXXX I hereby request you to make the changes within 30 days to avoid any Violation of the FCRA. Please send me a copy of the changed credit report at the earliest convenience. 
XXXX XXXX v. XXXX, 534 U.S. 19 ; 122 S. Ct. 441 ; 151 L. Ed. 2d 339 ( 2001 ). 
- Under the Fair Credit Reporting Act, the statute of limitations generally begins on the date the liability arises, not when a party knows or has reason to know that he was injured. An exception occurs when the defendant " has materially and willfully misrepresented any information required under this title [ 15 USCS 1681 et seq. ] to be disclosed to an individual and the information so misrepresented is material to the establishment of the defendant 's liability to that individual under this title [ 15 USCS 1681 et seq. ] '' The statute of limitations runs for two years after the discovery of the misrepresentation. 15 USC 1681p Fair Credit Billing Act ( 15 U.S.C. 1601-1666 ) Its purpose is " to protect the consumer against inaccurate and unfair credit billing and credit card practices sincerely, /s/ XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This is my 10th CFPB complaint submitted regarding the removal of the fraudulent accounts and information being reported on my Credit File. I was a victim of identity theft and that my Personal Information was stolen and used to open these items without my knowledge. I never received any benefits as a result of my identity being stolen. Under the Fair Credit reporting Act section 605b, The Credit Bureaus are required to remove these items from my Credit report and provide any proof of verification if they claim that the items belong under my name. I am submitting this CFPB Complaint to request the Credit Bureaus to please remove the disputed account completely from my Credit Report 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 US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100.00}. The Credit Bureaus ' willful non-compliance with the FCRA statute is a clear violation of a consumer 's rights. If the Credit Bureaus claim that the dispute accounts and information belong under my name, I need the Credit Bureaus to please provide me copies of proof of verification to prove their claims.
Complaint sub-issue: Information belongs to someone else

I want to inform you I was the victim of identity theft. Per FCRA section XXXX you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}.
Complaint sub-issue: Attempted to collect wrong amount

Every month the creditor reports a {$1.00} increase to the balance owed - this amount is not monthly interest, I have not agreed to a payment plan so it 's not late fees, there has been no agreement of any kind that would warrant a monthly increase of {$1.00} to the balance owed.
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX, XX/XX/XXXX I reached out to XXXX  regarding incorrect information reporting on my XXXX report regarding Americollect. On several occasions XXXX responded that Americollect had been verified as mines. However upon my request no proof of verification was received from the above mentioned companies. I also attempted to contact Americollect directly by certified mail on XX/XX/XXXX where I still have received no response from the collection agency as of date.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX, Account # XXXX and XXXX XXXX XXXX Account # XXXX and XXXXXXXX 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 the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Trouble with how payments are handled

I used Citibanks online payment system to make a payment for {$20.00} and they drafted {$1500.00} from my bank account without my authorization which i am currently filing fraud charges through my bank against citibank to reverse this fraudulent payment and get my money back. In addition he company will not allow me to take any forebearance which i have requested 4 times due to medical billing. Also the company will not allow me to adjust my payments in any way which will ultimately lead me to have to default on this loan. Also my bank revoked the authorization for the payment for {$1500.00} that citi bank attempted to steal from me that was not authorized. I also did not appreciate XXXX at the presidents office for student loans for Citibank tellime that that them steling my money was my fault and they did no plan on returning my stolen money.
Complaint sub-issue: Information belongs to someone else

I have requested method of verification of " late payments '' of the account XXXX  # XXXX back in XX/XX/2020 and still yet to received information as I was not late on this account. Please provide transaction history of late payments with tracking of bank account link late payment or whatever payment transactions you have available. 

Please all the parties involved investigation with names addresses, phones numbers and e-mail used to come to this determination. 

Please correct payment is history.
Complaint sub-issue: Account status incorrect

My husband had filed for bankruptcy back in   XXXX   of 2011. His bankruptcy was discharged in   XXXX   of 2011 which I have documents for. All of his debt were on credit cards and he was a primary on the   XXXX   XXXX   credit card and I was the secondary. His balance was forgiven and this still shows up on my credit report when it should not and is affecting my credit score significantly. I spoke to   XXXX   XXXX   XXXX    personal banker near my house whom I know and after a day of reviewing it with the branch manager they concluded this does not show up their banking system and no payment is necessary. The balance is around   XXXX   dollars and was forgiven due to my husband filing for Chapter  XXXX  bankruptcy. Can you please have the  XXXX  credit bureau 's take this off my credit report so if does no have an effect on my score? THANK YOU.
Complaint sub-issue: Don't agree with fees charged

I received a loan for XXXX dollars to put myself through school in XX/XX/XXXX. I do not have all the documentation however my current balance is XXXX dollar and I have paid XXXX. They denied my request to enter forbearance during XX/XX/XXXX-XX/XX/XXXX even though I had proof I was still enrolled in a graduate program. They have compounded interest upon me unfairly. In the statement I am looking at it states I have satisfied XXXX dollars of principal and yet I still owe XXXX dollars?? They are price gouging! I would like the interest that accrued to be reduced/eliminated from when I could not make payments while enrolled in a graduate program. Thank you very much for your time.
Complaint sub-issue: Billing dispute for services

This is regarding the Fed Loan DEPT. I have new proof that they were not suppose to get my new servicer, XXXX XXXX to add in any direct plus loans from my daughter 's college, XXXX College XXXX XXXX XXXX XXXX in with my consolidation loan I did with XXXX XXXX. I received an email from the " Borrower Defense Refuns Cancellation DEPT '' that if I requested the loans for this college to be put on freeze, this is allowed until the investigation against this school for frauding loans, allegelly, has been determined. I have contacted XXXX XXXX to change the online consolidation back to remove al of the loans from XXXX College or I will cancel it ... This isi my right as the consolidator applicant. 

I will provide proof from this dept. Also, the Fed Loan dept. responded to my letter that they had already frozen the loans due to them being under investigation. I never spoke with them about having problems with these loans in regards to needing help with payments! It was about why so many were requested only! 

Also, if you review the total expenses of the college during my daughter 's one year enrollment which was from XX/XX/2017 to XX/XX/2017, review the copies of her financial aid summary that I provide, ( not from the financial aid office since you may not be able to trust unless you comopare their statements with mines ... ), you can clearly see, she had enough financial aid form grants, scholarships, Stafford loans not to need the amount I am now showing that the school borrowed & are trying to make me repay by sneaking them on my credit report & in my consolidation! Some nerve! It is clear that the amount of the tuition & other expenses deducted by the financial total amount she had doesn't equal the amount of loans they got which is {$130000.00} in direct plus loans which exceeds the {$55000.00} limit of this kind of loan anyway! No way they can not be found with no fraudulance. Even the amount of the loan only has a {$55000.00} limit. Please, tak note of this. 

Thank you Miss XXXX
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

On XX/XX/2022 I sent a cashiers check for {$31000.00} to pay off my lease to US Bank. Today is XXXX XXXX and I have not received a title, lien release or other documentation for this car that I possess and own in theory. US Bank claims the they mailed documents but can not verify this. I was told they would re-issue the lien release 2+ weeks ago, and have since received nothing. This is unfair practice and behavior for a major bank.They have proven themselves incompetent in all aspects other than cashing my check.I have no ability to sell, trade or even change the loss payee on my insurance policy. Any automobile dealer would be subject to punitive actions for such behavior. Just making a late payment on the lease would come with a stiff penalty, why are they held to no standards.
Complaint sub-issue: Information belongs to someone else

I HAVE ASKED SEVERAL TIMES TO RECEIVE VALIDATION OF DEBT, THEY HAVE NOT BECAUSE HE DEBT IS NOT MINE, IT IS AGANIST THE LAW TO HAVE IN CORRECT ON MY FILE, PLEASE REMOVE THE FOLLOWING ACCOUNTS IMMEDIATELY, XXXX  XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was paid

On XXXX XXXX, XXXX, I found out that XXXX XXXX of XXXX XXXX  and XXXX XXXX XXXX, XXXX sent me to collections at IQ DATA INTERNATIONAL IN license number NMLS # XXXX and they reported on my wife and my credit report that we were delinquent and owed an amount of {$3100.00}. I immediately called them and asked them what this was for since I had never received a bill. They sent over a bill to me within one hour of talking to them. Once I received the bill I saw there were fees on there that should not be being charged nor had they given me the opportunity to even pay it before they sent to collections. As soon as the area manager got involved she acknowledged that there were some charges on the bill that were inaccurate and she told me via email on XX/XX/XXXX that this account has been removed from collection and would be removed from my credit report. In the meantime she finished her accounting and came up with a bill that we both agreed upon. She gave us one week to get the payment sent in or it will be put back on my credit report. XXXX XXXX XXXX XXXX received and cashed the check within one week and they confirmed via email it was received. However, it is still on my credit reporting and it is affecting my wife and i financially to be able to obtain and secure a home loan and all the while interest rates are going up due to the delay in getting this erroneous credit reporting which in turn will end up costing me thousands of extra dollars due to the negligence of this companys s ill will reporting to my wife and my credit report. Not only that interest rates have now gone up and it is going to affect my overall monthly payments on my new home loan when I get approved now. All my rent payments were made on time and I have proof of this. I am also attaching documents showing that IQ DATA INTERNATIONAL , INC. license number NMLS # XXXX is not even licensed in Michigan to collect consumer ( s ) rents. At this point I need help from the CFPB to intervene and investigate this company.
Complaint sub-issue: Reporting company used your report improperly

Equifax allowed hackers to steal my personal financial information due to their ridiculously insufficient security. What U.S. Senators were having a hearing to weaken regulations on Equifax and similar companies just before this security breach? Thank you XXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

This debt collection account does not belong to me. The debt has been transferred to different lenders and also has been removed and then added right back to my credit report. This is re-aging debt which is illegal.
Complaint sub-issue: Their investigation did not fix an error on your report

I was a victim of identity theft which placed false information on my credit reports including unauthorized inquires on my Equifax credit report. I submitted the relevant information to Equifax online, e.g. an Identity Theft Report, a Police Report and did so via my verified MyEquifax account. Despite the clear requirements of Section 605B of the Fair Credit Reporting Act, Equifax has failed to block the inquiries as required by law.
Complaint sub-issue: Account information incorrect

Discover Student Loans has misreported or duplicated hard inquiries to XXXX causing an error on my credit report. A hard inquiry was reported on both XX/XX/XXXX and XX/XX/XXXX by " XXXX XXXX XXXX ''. I requested that they please correct this mis-reporting as there is no reason for there to be hard inquiries run on consecutive days and this impacts my credit score. 

XX/XX/XXXX : Initially reported to Discover via online account message system. 
XX/XX/XXXX : Received feedback from DSL that they do not show the two hard inquires reported. They required a copy of my credit report. 
XX/XX/XXXX : Provided screen shot of data on credit report as requested, via XXXX. 
XX/XX/XXXX : Received response that they have received the provided document. 
XX/XX/XXXX : Requested status update. 
XX/XX/XXXX : Received response that additional time was required to review the issue. 
XX/XX/XXXX : Requested status update. 
XX/XX/XXXX : Received response that additional time was required to review the issue. 
XX/XX/XXXX : Requested status update.
Complaint sub-issue: Debt was paid

XX/XX/21 I was seen in the emergency room but the treating physician. My health insurance is XXXX and for some reason this company didnt bill my insurance company and is choosing to emails me about the debt. Once I went to the emergency room and presented my XXXX at the point I know from my history of handling medical billing that I shouldnt be balanced billed or harassed with collect attempts. This scam company is notorious for going after poor, XXXX recipients and quietly adding charges on their credit reports. This company XXXX now XXXX XXXX is notorious for quietly adding bills on your credit. They shouldnt be balance billing or harassing XXXX recipients.
Complaint sub-issue: Other problem getting your report or credit score

I was notified by XXXX XXXX that Equifax is not providing a up to date credit report for some error on Equifax part, I even attempted to request a annual credit report from Equifax under the FCRA and there is an error with my credit information not being retrieved or provided to any third party or the XXXX XXXX XXXX XXXX XXXX. 
Social Security Number of Consumer is XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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
Complaint sub-issue: Account status incorrect

Hello, I have guaranteed 2 loans for my son XXXX XXXX XXXX in XXXX when he was attending XXXX. 
He stopped attending due to family issues. 
I was incarcerated. 
We became estranged. 
During my incarceration I applied and received forbearance up to XX/XX/XXXX with FedLoan. 
I was released in XX/XX/XXXX to a Halfway House in which I stayed for 9 months up to XXXX of XXXX. 
From XXXX until XXXX Fed Loan was sending mail asking for payment to my home address. 
I did not receive any of that mail or any other mail that was being mailed to my home address because my son XXXX was living there and he would not give me my mail or any of my paperwork or belongings. 
In XXXX of XXXX I first checked my credit score and found that it was in the 300 range. I could not understand why it was so low. 
I then found the many late payments on the 2 FedLoans. 
I contacted FedLoan and made a payment agreement. 
After making the payments for 3 months I asked them to remove the late payments. 
They refused. 
I worked with XXXX XXXX credit repair to help me with the ; ate payment issue. 
They were unable to do so. 
I have been paying the loan, applied for secured credit cards in order to increase my credit score.

But that is very hard with having 2 180 days late payments for school loans.

I respectfully ask for your help to remove the 2 180 day late payments please. 
I need your help to raise my credit score and rebuild my life. 
Thank you,
Complaint sub-issue: Debt was result of identity theft

Credit report showed discrepancy. I'm a victim or Identity Theft.
Complaint sub-issue: Account status incorrect

I have been trying to dispute this with XXXX XXXX and equifax but they wont allow me to dispute it anymore. I settled this account in full on XX/XX/20 with XXXX XXXX XXXX XXXX. There number is XXXX. Please update. Please see attached letter. I have been trying to dispute this but XXXX XXXX/equifax refuse to allow me to dispute again.
Complaint sub-issue: Information belongs to someone else

I AM VICTIM OF AN IDENTITY THEFT, THERE IS A FRAUDULENT ACCOUNT ON MY CREDIT REPORT WHICH WAS NEVER OPENED BY ME. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY FORM XXXX AND EQUIFAX. THEY ACANT ' DISCIRMENATE AGAINST ME LIKE THIS I JEOPERDIZE MY CREDIT FICO SCORE. I HAVE SENT THEM MY IDENTITY THEFT REPORT NUMEROUS TIMES. WHAT IS THE POINT OF ASKING FOR AN IDENTITY THEFT REPORT AND NOT HONORING IT.
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this compliant MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

my husband told me that a woman XXXX XXXX was trying to reach me about serving me with a summons to appear in court and would not tell him anything else - i called the # and was told she was transferring me to an " attorney '' named XXXX XXXX - he said he was from capital consulting services - he got on the phone and told me he was representing citibank and that i owed them over {$5000.00} and that if i didn't set up a payment plan with them today that a process server would show up at my work tomorrow with summons to appear in court. he told me the debt was from XX/XX/XXXX-XX/XX/XXXX and that they received acct in XX/XX/XXXX. i told him i needed more information and would contact citibank and to not contact me any further and i hung up. he then proceeded to call my work # 3 more times ( once when a co-worker asked him not to call back ) until he asked for a supervisor to arrange a time for a process server to serve me with papers. i told him what he was doing was illegal and abusive and to not call me at my work again and that i was going to report him to the FTC.