Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

I HAVE DISPUTED THIS CREDITOR AND INQUIRIES THROUGH EQUIFAX. I SENT IN ALL PROPER DOCUMENTATION AND THEY ARE REFUSING TO REMOVE THESE ITEMS FROM MY CREDIT REPORT. I AM ALSO A VICTIM OF INDENTITY THEFT. I FIRST DISPUTED THE ITEM OF {$3900.00} AND INQUIRIES IN XX/XX/2021 AND AGAIN XX/XX/2021. MY DISPUTE WASNT OPENED AND I SENT IN DOCUMENTS.
Complaint sub-issue: Don't agree with the fees charged

In XXXX, my husband and I took out loans for school in Pennsylvania. After many deferments and transfers from one service provider to another ( XXXX XXXX, XXXX ) we ended up with PHEAA/AES as our service provider. Since then, we have filed bankruptcy two times and the student loans are still owed. However there are many problems with this. My husband and I were both full-time students from XXXX through XXXX. There wouldve been a deferment were no interest with Charge. They were many years where we filed two separate bankruptcies where we shouldve been on deferment. They never claimed anything when we filed the bankruptcys. Yet they came back to try to collect after. It seems now they say theyre not a federal student loan so we dont qualify to waive our payments as everybody else has during Covid. Yet when it benefits them they claim it is a student loan so it cant be discharged in the bankruptcy. Very conflicting information. I dont understand how we took out a loan totaling {$6000.00} for the two of us back in XXXX and now after many years of deferments, forbearances, and any payments we made that we cant find where they went, they show we owe over {$19000.00}. Where have our payments gone? And why does it show we owe so much for me only took out {$6000.00}. They show the disbursement date is XXXX. That is a mistake. We relocated to Virginia in XXXX. The disbursement date wouldve been XXXX. Since the government has placed into law that student loan payments and interest would be on hold until the end of XXXX, AES started sending letters that we were past due in XXXX. I dont understand how this is possible if this is a federal student loan. Now the government states we dont have to pay loans until XXXX XXXX AES is still attempting to collect. We dont plan to make any further payments until we get some answers on where all the money has gone that we have paid.
Complaint sub-issue: Information belongs to someone else

I viewed my credit report back in XX/XX/XXXX and noticed an account on my Equifax and XXXX credit reports that I did not consent to, authorize nor benefit from the account, The account is with TDRCS/MOR FURNITURE FO. The credit limit is {$5700.00}, the highest balance was {$2900.00} and the balance is {$1400.00}. I submitted a FTC Report to both Equifax and XXXX in XX/XX/XXXX and XX/XX/XXXX, however the did not block and remove the account nor did they provide me with competent evidence that I have any legal obligation to pay TDRCS/MOR FURNITURE FO. Therefore they are reporting invalidated and inaccurate information on my credit report.
Complaint sub-issue: Overdrafts and overdraft fees

XXXX XXXX, I hope this email reaches you in good health and spirit. My XXXX card was hacked. Im not even for sure if all the over drafts are mines and despite I still fixed my account several times. It takes time for me to transfer money in to my account its no atm to put cash in. I feel that Im being discriminated against. The last negative on my account was only negative for 4 days I had no time to fix the {$18.00} it was not negative for 30 - 40 consecutive days. So Im confused on the charge off closer except Im being discriminated against. They are stating they are going to close my account and I been constantly fixing it despite ( because I didnt want my account closed ) if its mine or not due to the hack. I have had to get new bank accounts as well as credit cards due to the XXXX card hack and XXXX  is aware. They advised they can not put a fraud alert on my account. They kept repeating the same thing to me like Im XXXX that my account will be closed despite me fixing it and that they are going to report me to XXXX XXXX. The agents ( supervisor ) had no empathy, understanding or anything they were extremely rude. They werent even listening to me. Im trying to rectify the negative ( over draft ) and explain my situation how my XXXX card was hacked and despite if the charge were mine or not I been fixing it. I really need to speak to someone that can help me and not discriminate against and speak to me like Im XXXX.
Complaint sub-issue: Problem with fees charged

Customer service will not provide an explanation of exorbitant ( over XXXX ) fees. I have made numerous requests for a statement of how and when my payments are posted and how the fees were calculated. This company is violating my rights as a consumer. This issue has been ongoing since I bought the vehicle in 2015. The dealer did not give me any other financing options. They rushed me through the process and led me to believe Ally was the only finance option I had. I feel that this was a violation of the TILA and will seek damages if this is n't resolved in a timely manner.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States l 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: Received bad information about your loan

I entered XXXX program with federal loans upon graduation in XXXX. I was very actively engaged and diligent in tracking paperwork, verification forms and payments on a quarterly basis to ensure I was making qualified payments. In XXXX, I was preparing to transfer to a new company. When searching online to confirm the new company was a qualified organization to continue XXXX for the full 10 years, the website only identified certain locations within my healthcare system as eligible. When I called my Fed Loan Servicer at the time, I was told that my organization was not eligible for XXXX and I could no longer participate. As such, I reluctantly transferred my loans to a private organization to take advantage of far better interest rates, as the program at that time seemed futile and I was expressly told I was no longer eligible. Now, in all recent news, I have renewed my attention toward this problem and discovered that I have, in fact, been working at a participating organization this entire time -- -despite misinformation from Fed Loan Servicing XXXX This should have been on a recorded call and I am hoping this can be tracked down to prove that I was misled into refinancing away from federal student loans. I want my loans reverted to federal loans so that I can complete my PSLF obligation in 2 years, or at least receive a prorated reimbursement for the years that I committed successfully before Fed Loan Servicing ruined my entire career track through misinformation.
Complaint sub-issue: Problem with paying off the loan

Sometime during the late XXXX 's or early XXXX 's, I co-signed with an individual to purchase a vehicle in XXXX, SC. The vehicle was later repossessed and sold at auction. I have recently found that GMAC has recorded a judgment against me without a court hearing. A judgment can only be issued by a judge after a court hearing. How were they able to do this?
Complaint sub-issue: Debt was paid

Plusfour has been reporting on my credit a debt that was paid by insurance. I contacted the original creditor XXXX XXXX XXXX who advised me there is absolutely no amount owed on this debt. Ive requested they remove it or provide validation that it is still owed and have no received anything. I have a security clearance with the XXXX XXXX that this debt is affecting.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$23000.00} XXXX XXXX   XXXX {$190.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Complaint sub-issue: Problem accessing account

I have an account with XXXX. They use XXXX to connect my XXXX account with my other checking accounts such as PNC. While trying to do the connection, XXXX notifies me that PNC has made a change that prevents me from being able to link my accounts. PNC denies this. So without this link, I have to wait about 5 days to transfer funds between my accounts, while if I could link them, I could transfer money the same day, or within 24 hours. This is very inconvenient for me. I am unable to understand why this can not be done.
Complaint sub-issue: Funds not handled or disbursed as instructed

I tried to send someone {$80.00} and cashapp said they refunded it I dont even see the transaction from my bank statement but cashapp took the money was supposed to be returned Thursday its not Friday and no money
Complaint sub-issue: Having problems with customer service

I completed a REPAYE Loan Payment Application in XXXX 2015. The new administrative rules from the Department of Education caused a delay in processing the loan application. Specifically, I was required to opt out of the IBR program ( 2 months processing time ), then make a payment under 10 year payment program or request a reduced forbearance payment to qualify for the REPAYE program ( 2 months processing time ), before the REPAYE program can be processed. This issue is causing me to loose 2 - 3 months qualifying payments under the Public Service Student Loan Repayment Program.
Complaint sub-issue: Problem using a debit or ATM card

I became aware of unusual withdrawals on my checking account that I have with Bank of the West located in XXXX, Ca. I have been a customer of Bank of the West for about 15 years with no complaints. Recently, I have had issues with purchases or withdrawals made online that were not authorized or made by me. The amount of disputed charges ( starting on XX/XX/2022 ) totals {$910.00}. My bank investigated only {$320.00} of these charges and completed their investigation. However, there is still more than {$600.00} missing. I am providing my bank statement with questionable charges highlighted in green. I am also submitting the correspondence from Bank of the West regarding the investigation of only {$320.00}. I have still not received my new debit card nor any more correspondence from my bank regarding the investigation findings or if the funds have been reimbursed to my account.
Complaint sub-issue: Debt is not yours

I sent an affidavit to Afni outlining their multiple violations of 15 USC 1692, with an invoice for compensation of damages. Their previous response to the CFPB complaint did not address the request for monetary relief. I have attached the notarized affidavit, the pieces of evidence, and the invoice to this complaint. These documents were delivered XX/XX/2020, via Certified Mail.
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 {$4400.00}, {$1500.00}, {$700.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 

3. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$700.00} -This is not my account.
Complaint sub-issue: Was not notified of investigation status or results

I recently sent letters over 60 days ago to these bureaus and they are disregarding regular consumer disputes. I have sent multiple letters that have gone without response causing immeasurable stress.
Complaint sub-issue: Information belongs to someone else

I AM VICTIM OF AN IDENTITY THEFT, I HAVE CONTACTED THE CREDITOR AND THERE IS NO NEW ACCOUNTS UNDER MY NAME. I HAVE SENT MY IDENTITY THEFT REPORT TO EQUIFAX FOR OVER A MONTH AND THEY HAVE NOT PROCESSED MY REQUEST TO REMOVE THE FRAUDULENT ITEM FROM MY CREDIT REPORT.
Complaint sub-issue: Investigation took more than 30 days

I was notified by the XXXX  of Equifax response to my complaint regarding their FCRA violation regarding refusing to remove Bankruptcy that is unable to be properly verified. They continue to state they verify through third party. However, I have uploaded and sent them letters from the Courthouse and Pacer stating that neither report to third parties or to the credit bureaus. Each entity also stated they do not verify the information. 
Therefore, if neither entity verified the supposed bankruptcy and neither report supposed bankruptcy to third parties or to credit bureaus Equifax is in direct violation of FCRA and my consumer rights. I have subsequently filed an FTC report against Equifax regarding this issue.
Complaint sub-issue: Information belongs to someone else

These items are not my accounts or inquires
Complaint sub-issue: Public record

I have a federal tax lien that has been withdrawn, equifax will not update my credit report to reflect the withdrawn status which would remove the negative public reporting from my credit file. The withdrawal was issued XX/XX/2016.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting ACT XXXX  Account # XXXX with 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: Account information incorrect

I sent in disupte letters to dispute inaccurate information regarding my credit report. These accountXXXX XXXX XXXX XXXXXXXX XXXX and orignal creditor plus more accounts were showing multiple inaccursies across the board for each account from date opened, acct number, account status and remarks. Since FCRA law states I can dispute any information I feel is inaccurate i sent to all bureaus my reasoning for my removal request. I also sent in letter the FCRA law explaining their responsibility of maxium possible accuracy reporting and how they failed to follow the law, I have not heard or seen any type of repsonse to the letters I've submitted over 30 days ago. So i sent out another and made them alert that I was notifying you all.
Complaint sub-issue: Fees charged for closing account

I received a letter from US Bank indicating that my checking account will be " dormant '' 30 days after inactivity, which there were none back in XX/XX/XXXX. I also had {$5.00} in that account as well. Instead of US Bank closing my account in a timely manner, I was instead charged maintenance fees and then overdraft fees months after the account was suppose to close. 

XX/XX/XXXX : US Bank sent me a letter, " An Important Message About Your Account '' which indicated that my checking account had no " transactions or communications initiated by the customer in the last twelve months ''. This meant that " If no action is taken within 30 days of the letter ... the account will be considered 'Dormant ' ''. 

XX/XX/XXXX : US Bank sent me a letter indicating that the account has been overdrawn by " {$54.00} '' and that I should contact the branch that I normally do my banking. 

XX/XX/XXXX : I called US Bank CBMD-DDA Default Services at XXXX. XXXX, who was very kind and did her best to help me, said that it was collections and I needed to talk with the branch manager to resolve my matter. XXXX transferred the call which ended up on an individual 's voicemail, which I assume is the branch manager. 

XX/XX/XXXX : Instead of leaving a voicemail, I called the US Bank General Banking Customer Service and shared that my account should have been closed in XX/XX/XXXX, according to the document I received. XXXX, who was very kind and also did her best to help ( but I believe it was outside of her role to be able to fully help me ) stated : ( 1 ) that I was charged a maintenance fee in XX/XX/XXXX, and my account went to {$0.00}, and ( 2 ) that my checking account officially closed on XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

I sent an FTC report to all 3 credit bureaus. XXXX and XXXX removed my fraudulent account. On XX/XX/2022, XXXX removed my fraudulent Lending Club account from my credit file. Then again on XX/XX/2022 and again on XX/XX/2022 and again on XX/XX/2022. On four different occasions within a three week span. I don't know why this is continuing to happen and who's breaking the law. But I'm overwhelmed by what's going on and would like to have this fraudulent account from Lending Club removed from my credit file and report.
Complaint sub-issue: Debt is not yours

Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX  ( Original Creditor : XXXX BANK ), Account : XXXX Reason XXXX Delete this unverified and inaccurate account
Complaint sub-issue: Billing problem

I had an auto loan through FLAGSHIP CREDIT ACCEPT. My car was totaled out, paid off by my auto insurance and gap insurance. The finance company ( FLAGSHIP CREDIT ACCEPT ) did not process the payments timely to pay off the loan. They tried to get one last payment from me but I disputed it because my insurance companies paid the loan off. No my credit report shows a write_off of XXXX dollars. I dispute owing FLAGSHIP CREDIT ACCEPT any money. This is hindering my ability to finance a home. This loan was paid in full but the lender is trying to get more money.
Complaint sub-issue: Didn't receive enough information to verify debt

They have failed to give me a chance to dispute the debt nor have they provided validation of debt.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 information incorrect

Company discharged debt ( per 1099C dated XX/XX/2017 and their letter dated XX/XX/2017 ) and provided a 1099C for the 2017 tax year. With these 2 actions, the debt is no longer owed to the creditor. 

The creditor reported to the IRS that it has cancelled the debt, thus creating taxable income to the consumer. By definition of the tax form itself, the 1099-C says : Cancelation of Debt. As the consumer I can not be forced to both pay a debt and show the debt as income. The debt can not be considered both cancelled/discharged and still due. 

This account should have a XXXX balance and no reported history after XX/XX/2017. Any negligence in failing to correct the discrepancy or continuing to report both a balance due and negative payment history will be construed as failure to comply with the FCRA and tax fraud. Combined with the letter provided and the 1099C this is sustained proof that the creditor has CANCELLED the debt.
Complaint sub-issue: Report provided to employer without your written authorization

The accordance with Fair Credit Reporting act this accounts has violated my rights. XXXX XXXX XXXX acct # XXXX 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. 15 U.S.C. 1681 Section 604 A section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Public record information inaccurate

After reviewing my credit report i noticed that there is a U.S. Bankruptcy Court items listed on my credit reports.Per the FCRA 623 ( a ) ( 5 ) : if the credit bureau can not VALIDATE the information from the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the U.S. Bankruptcy Courts.

The bankruptcy courts mailed me a letter stating that they DO NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information.It is the credit reporting agencies, and / or other third party providers who collect information regarding public cases from public records.Public records information is NEVER validated by the recorder of deeds nor the U.S Court system due to the FAIR CREDIT REPORTING AGENCY PRIVACY LAW. 
Your company has never validated or verified these public record entries on my credit report. I need the bankruptcy information to be PERMANENTLY DELETED from my credit report immediately.