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

Nelnet is reporting me as 120 delinquent when I was not in repayment, and forwarded a payment history which proves their error. The attached email from Nelnet proves that my application was submitted eventhough it does not show on their history. I was not required to make payments at that time ( so had no payments to continue ) and was subsequently approved for an income contingent plan. I should never have been reported 120 days late. That rating is devasating my credit, and must be corrected immediately..
Complaint sub-issue: Investigation took more than 30 days

Some companies have mentioned they didn't receive all attachments. This has to do with theft of identity, impersonation, false pretenses, credit card theft, fraud payments that allowed the credit limit to be exceeded, forgery, fraud in 2017. Cards and private information was stolen out of my office before I became aware. I am re sending to Discover, 2017 Sheriff 's Report, IRS XXXX Fraud affidavit, and information on the thief who is currently inXX/XX/XXXXin Mississippi for forgery and false pretenses.
Complaint sub-issue: Received bad information about my loan

my loan servicer fed loan servicing is failing to keep accurate track of the number of loan payments i have made with regard to public loan forgiveness. i have submitted the proper documentation and called to follow up multiple times. in addition i have previously received other borrowers private information via the mail.
Complaint sub-issue: Old information reappears or never goes away

XXXX overcharged me interest on a credit card between XXXX. When I couldn't pay the monthly amount, the account was charged-off. They later sent me a letter explaining their mistake ( attached ). However, the charge-off remains on my credit report and is adversely affecting my credit and employment prospects. I feel as though the charge-off should be removed. When I contacted XXXX, however, they said they " don't remove negative information. ''
Complaint sub-issue: Information belongs to someone else

Hello, I am very stressed out because I found items that are not mine. I do not recognize them and for sure they are not mine. I feel like I am victim of identity theft because suddenly appeared fake items. These fake items killing my report and I feel very bad about this. Pease investigate their origins and remove them.
Complaint sub-issue: Their investigation did not fix an error on your report

Car loan from XXXX XXXX XXXX. on XXXX XXXX to XXXX XXXX. 
Dispute with all three credit reporting agencies to investigate and update or remove the item from my credit report. XXXX nor the CRA can provide information that the car was repossessed in XXXX XXXX. Besides some late payments during XXXX, from XXXX to XX/XX/XXXX the loan is " Pay as Agreed '' and load was " Paid and Closed ''. Due to the inability to provide written documents with my signature showing that the car was repossessed, shows that the listed item is inaccurate and represents a error. 

I am requesting that all three of the CRAs remove this item from my credit report.
Complaint sub-issue: Report improperly shared by CRC

I notified Clarity Services, Inc., FEI/EIN Number XXXX about my credit being pulled over 10 times with no response. I emailed them a disclosure form to release information to me only to receive a consumer credit report with no explanation of why or who they pulled my credit for. I have only authorized one company to pull my credit and that is XXXX XXXX to which I received a credit card. i have not authorized Clarity Services to ever pull my credit or anyone else other than XXXX XXXX. 

I have continued to contact and leave my information with Clarity Services only to be ignored. This company was fined XXXX dollars for this type of behavior and it seems they are continuing to act in an illegal manner by pulling my credit report.
Complaint sub-issue: Debt is not mine

I do n't know what this debt is.
Complaint sub-issue: Didn't receive enough information to verify debt

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that HUNTER WARFIELD would verify the debt. So I took it upon myself to ask HUNTER WARFIELD for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was a victim of identity theft in 2014, I have tried fixing the situation on my own but keep getting turned down. I have gave loans and pmbulls opened in my name that I did not authorize and I also have numerous of credit inquiries that I have not authorized.
Complaint sub-issue: Debt was result of identity theft

Discover Personal Loans made an on-line loan in the amount of {$20000.00} to a person using my identity. Reviewing my credit report, I see that they are showing it delinquent and dadding on additional charges. I did not file this application, I did not authorize this loan and I have been notifying them since the end of XXXX that it is not me. 
Discover has indicated that they are investigating, but in the mean time their negative references are affecting my credit.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXXXXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX  XXXX Account number : XXXX XXXX XXXX Account XXXX XXXX XXXX -XXXX  Account number : XXXX XXXXXXXX XXXX XXXX Account number : XXXX
Complaint sub-issue: Received bad information about my loan

I have had issues paying my student loans in the past and have worked dilligently for years to ensure I could actually afford my payments. When my payments went up from $ XXXX/mo to $ XXXX/mo- I became unable to make my payments altogether. I applied for XXXX Loan Forgiveness and was indeed granted a {$17000.00} forgiveness on my {$130000.00} of student loan debt ( mostly interest and late fees ). This made my payments GO UP! I called Fedloan in XX/XX/2016 and was told I could change my payment plan which would lower my payments back to around $ XXXX/month- which I feel like I can probably afford. When I got my statement for XX/XX/2016- my payments amount had not changed from {$340.00} like I was told it would. I was also told I would get a month of deferment while switching to the new plan and would have a $ 5 monthly payment for XX/XX/XXXX. This was a lie and I was completely deceived by the people at Fedloan, almost like they wanted me to think I had solved my issues but nothing changed at all! I can not afford the new higher payment and am now in danger of default all because I was deceived and told things that simply were n't true. They have once again destroyed my credit and killed my financial future yet again! I wish I had NEVER taken a single loan out and honestly will begin telling my XXXX in class ( I 'm a XXXX ) that college is a waste of money. My loans are actively ruining my life, if I could declare bankruptcy on these XXXX loans I would! I am completely trapped and helpless in this situation- ALL because I was LIED TO!! Fedloan is perhaps the worst example of what happens when the Government gets into the loan business. Please hold this organization to account for destroying my financial life, time and again!
Complaint sub-issue: Denied loan

XXXX XXXX is violating my consumer rights and federal law. 
On XX/XX/2022 I was denied an extension of credit by XXXX XXXX. On this date, I completed an online application for their student private loans in the amount of XXXX. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant XXXX XXXX XXXX XXXX ( XXXX  ) and XXXX XXXX assume civil liability pursuant XXXX XXXX XXXX XXXX ( XXXX ). XXXX XXXX has violated my federally protected consumer rights : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Since the email and text messages XXXX XXXX sent me dated XX/XX/2022, XX/XX/2022, XX/XX/2022, are both proof and evidence that I have been discriminated against, XXXX XXXX is also criminally liable. I also called on XX/XX/2022 to clarify the reason for this " denial '' yet the representative kept saying it was not a " hard denial '' and I need a cosigner if I want the " loan ''. 
XXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.
Complaint sub-issue: Account status incorrect

I check my credit report and it shows that I have a car loan, and that I have also a home, I am just XXXX  
years old. I need to report this issue in addition i want to buy a home and I will not be able to buy a car. In addition, I am unable to get my credit report
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, PNC BANK add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Their investigation did not fix an error on your report

I have filed multiple disputes with Equifax about a fraudulent bank raptly that is reporting on my credit report I have sent in a police report and FTC report. All I ever get is disrespectful people on the phone not willing to help me.
Complaint sub-issue: Information is not mine

Case number : XXXX Related Case Number : XXXX I received the following : Response not disputed XXXX XXXX XXXX, XXXX said : Explanation of closure Reinvestigation not conclusive ; we are removing the complainant 's name from the account and deleting him from our reporting. We will confirm this to him by letter. 



Response We are in receipt of the affidavit. Since we have had no response to our request for reinvestigation at our client, we are assuming the second account in question is an unadjusted duplicate and closing it. We removing the complainant 's name from the other account and ordering his name deleted from all national consumer reporting agencies to which we furnish data. 

Since the resolution the entries were removed from my credit, but have since been re-listed with XXXX.
Complaint sub-issue: Was not notified of investigation status or results

The account I am disputing do not relate to any transactions for which I am liable. I already sent letters of complaint but no response has been received.
Complaint sub-issue: Information belongs to someone else

I provided police reports. Someone open an account with XXXX XXXX. I didn't authorize this account. This is fraudulent and needs to be removed!
Complaint sub-issue: Didn't receive enough information to verify debt

I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX BANK. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and  collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Complaint sub-issue: Account information incorrect

Dear Consumer Financial Protection Bureau, I have filed multiple disputes with the credit reporting agency Equifax ( and the debt collecting agency XXXX XXXX XXXX XXXX XXXX ) about the false information on my credit report with no good results. Please investigate this. Thank you.
Complaint sub-issue: Account status incorrect

Ive disputed several times with the credit bureaus that my account with XXXX should not be showing as charged off every month because it affects the statute on that particular debt. Ive tried contacting the company and tried to dispute several times just for the account to keep reporting as a charge off every single month. Ive even asked them to remove the account from my report and neither of the 3 bureaus have yet to do so. They are XXXX XXXX XXXX by continuing to report as a charge off each and every month.
Complaint sub-issue: Debt is not yours

I have requested several verification documents from EOS regarding the validity of the erroneous account that is reporting to my credit report. No verification documents have been received.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Received unsolicited text message on XX/XX/2020 claiming a balance owed of {$75.00} to XXXX XXXX. The agency reference number is XXXX, I dispute the validity of this debt due to the fact that I filed for Chapter XXXX bankruptcy. This is clearly evident on all of my credit reports with the major credit reporting repositories.
Complaint sub-issue: Didn't receive enough information to verify debt

I received a letter from EOS CCA Dated XX/XX/2021 I received that letter on or around XX/XX/2021. To which i responded via written letter XX/XX/2021 to XXXX XXXX XXXX, XXXX, MA XXXX  Requesting a verification of debt. 

The reason for my request for a verification of debt is 1st to establish whether or not this is in fact my debt and 2nd the details of the charges as they are alleging that I owe {$4500.00} yet they have not provided the details for the charges in question. 

How is it okay for them to send me a letter stating that I owe {$4500.00} and no explanation of charges? No date of Service? Nothing at all is on this letter ties me to this debt. The information on this letter could have easily have been obtained with a simple XXXX search or XXXX XXXX search. I don't think that I am asking a lot by requesting that they both prove this actually belongs to me and provide details of charges. 

The second reason for my complaint is that if this hospital did in fact share my information with this EOS CCA Agency this is a clear and present violation of my HIPAA Rights. I am not sure how they could provide me with the details regarding my visit with out violating my hippa rights. And yet in still I am being asked to pay an amount with XXXX proof or anything. 

Today XX/XX/2021 : I received a phone call from a XXXX XXXX from EOS CCA and he stated me me that their office does not check their PO Box which is probably why I haven't received a response to my letter. He stated to me that they do everything online and if I wanted more information I would need to go directly to their website.. This is not acceptable for me as I would like to be communicated with via written letter so that I can keep track of my communication. He also advised that this is my debt because he would not be calling me if it wasn't and this is also unacceptable as I have requested written verification and a verbal confirmation which lacks the details of these charges is not acceptable. 

If you look at the attached letter from the company there is nothing here which details my date of service or the details of the charges. 

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

I have sent equifax several notifications on unfamilair inquiries on my report, along with my FTC report reflecting such. They chose to delete XXXX leaving the other unauthorized inquiries on my report and failing to notify me of any verification of such. 
under 15 us c 1681 et section 604 of the credit reporting act, you must provide verifiable evidence or delete. 
These remain on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inc
Complaint sub-issue: Their investigation did not fix an error on your report

dates are inaccurate this is not a valid report please delete
Complaint sub-issue: Account status

I recently had XXXX student loans with XXXX XXXX that were discharged due to XXXX on XXXX XXXX, 2016. I checked my Equifax credit report and determined that they did not show closed and paid on the XXXX student loan tradelines with XXXX XXXX they left those open but also added XXXX new tradelines with XXXX XXXX XXXX XXXX to my credit report and then reported those accounts closed and paid. I have a total of XXXX tradelines of student loans now. I called Equifax and told them that the information was incorrect and that these accounts are duplicated and it should only show the XXXX original tradelines with XXXX XXXX as closed and paid. I receive notification on XXXX/XXXX/2016 that Equifax has not removed the original XXXX loans but they have just closed them and noted on all XXXX accounts that they were : ( Student Loan Account Transferred Or Sold Student Loan ) which is not accurate. I have tried to get them to report accurate information and I am not getting the service they should provide by law. I would like this information reported accurately as it has caused my credit score to drop significantly ( XXXX to XXXX ).
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have filed multiple disputes with Equifax concerning an unauthorized hard inquiry ( XXXX XXXX XXXX Acct # XXXX ). On XX/XX/XXXX, I sent my second round of disputes and the collection came back verified. On XX/XX/XXXX, I sent my third round of disputes and on XX/XX/XXXX, I received partial investigation results from Equifax that the hard inquiry and collection account was verified. This is a lie because on XX/XX/XXXX, XXXXXX/XX/XXXXsent me a letter and also sent a letter to Equifax saying " After review of the XXXX XXXX XXXX claim, we have concluded that you are not responsible for the disputed account. '' Also, the letter stated that they submitted a request to Equifax to remove this off my credit report. This is evidence from the creditor stating that the account isn't mine, so how does Equifax continue to say the hard inquiry is verified? That's a lie! This is really starting to irritate me. I am also a victim of the Equifax data breach. 

XXXX responded to my cfpb complaint # XXXX and attached the letter, which is dated XX/XX/XXXX, which states, " We previously advised the credit reporting agencies to delete the account and the associated inquiry from your credit report. '' SEE ATTACHMENT. 

With this evidence, Equifax is in violation of the FCRA and must delete this inquiry TODAY. 

This hard inquiry needs to be removed from my Equifax credit report today!

Very Respectfully, XXXX XXXX
Complaint sub-issue: Account status incorrect

In Accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the rights 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: Was not notified of investigation status or results

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.
Complaint sub-issue: Problem getting your free annual credit report

After submitting requests for a free credit report to the three relevant agencies, credit report services one and two, promptly answered back with current reports. However, equifax, refused to send siting more information needed even though the same information was provided for them as for the first two. After several attempts to provide what they needed, they continued to ask for more information - which we are loath to supply given they have had security breaches in the past and shouldn't require more or different information than the first two agencies.

Attached are partial summary sheets provided by the first two agencies to prove they should be able to provide the information that is rightly mine : the third and final credit report. Thank you for your prompt attention to this so that we may move forward in life. 
With Gratitude.
Complaint sub-issue: Public record information inaccurate

On the XXXX day of XX/XX/2021 XXXX putting you on a full legal warning if the public record is not remove from my credit file in 10 business days you will suffer the Consequences of a lawsuit you have committed multiple violations of the FCRA in this includes US C 1681i failure to conduct a reasonable investigation. Acting willful and reckless and negligence with reporting I have requested specific information from you using the method of verification FCRA verification you had 15 days to respond under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The credit bureau must give you the method of verification information within 15 day you have failed to comply with any if not all federal laws. 10 days legal action will be applied and this will include attorney fees pain and suffering and proof of willful and reckless credit reporting you have been been sent factual base disputes showing the inaccuracies all I asked you to do is verify the information with the clerk of court with the name and phone number of who you spoke with but you just can not supply me with that information. The public record is consider unverifiable if you are unable to verify the information with the clerk of court pacer is a 3rd party vendor I have told you over and over pacer is reporting inaccurate dates how can you verify inaccurate information without going to the source? thank you for your time XXXX XXXX