Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

This is a formal complaint against XXXX XXXX XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Complaint sub-issue: Information belongs to someone else

The following public record and credit inquiries listed on my Equifax, XXXX  and XXXX XXXX credit report, is inaccurate, incorrect, and not my public record or credit inquiries : Bankruptcy Chapter XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XXXX XXXX  XX/XX/XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have 4 fraudulent inquiries on my Equifax credit report that were not authorized by me and Equifax will not take them off? I have been fighting with them since XX/XX/XXXX and nothing has been done about it? At the end of XXXX, I had someone try to steal my identity and try to get credit in my name but they were unsuccessful because of a lack of information about me. I called the creditors and they couldn't pull nothing up in my name so they all sent paperwork to Equifax telling them to take it off my credit report because they have no proof of me applying for any credit.They told Equifax that the inquiries were fraudulent and should be taken of my credit report.I called Equifax and they said they didn't receive anything from the creditors ... not even one of them? I have letters from 2 of the creditors that I faxed over to Equifax and they said they can not remove them even though they told me to send them for proof? I have disputed these inquiries 3 times online and have written to the dispute and fraud departments about the issue.I need those 4 inquiries deleted from my report because its hurting my credit score and they were not mine to begin with.The following inquiries need to be removed ... 1 ) XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX 2 )  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 ) XX/XX/XXXX -XXXX XXXX 4 ) XX/XX/XXXX -XXXX XXXX
Complaint sub-issue: Information is not mine

Hello I tried applying for a loan on XX/XX/2017 and when XXXX XXXX XXXX checked my credit score from equifax it appeared as my dads name.it also showed his date of birth Please get back to me
Complaint sub-issue: Information belongs to someone else

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

DEPTEDXXXXXXXX {$1100.00} DEPTEDXXXX XXXX {$3000.00}
Complaint sub-issue: Can't close your account

I was checking my credit report and noticed this account was open that should be closed.
Complaint sub-issue: Didn't receive enough information to verify debt

I reached out to the company after initially filing my first complaint and despite providing an address for the documentation to be mailed for an official dispute to be put in, I was told to take it up with the post office because it was a bad address despite it being the address I gave to the Consumer Bureau itself. Then, despite stating I want to dispute BOTH accounts this company opened against me for the same supposed debt at the same location, began to yell at me for payment information despite me confirming I had never received any documentation about the debt verifying it was correct or mine or the ability to dispute as I do not have direct information from this company and this is the second complaint Ive lodged and the fifth dispute in a matter of several months. There was also an effort to mislead me to gain access to my cellular number without stating it would be to collect debt. There is also proof that more than one debt was claimed on my credit and one was removed while the other was updated with a lower balance.
Complaint sub-issue: Information belongs to someone else

Hi, On my credit report, there are 4 negative accounts which show incorrect account numbers, balance and charge off. These accounts do not belong to me. Please delete the accounts as these are hurting my ability to obtain financing. 

These accounts do not appear on XXXX  or XXXX. 

I have highlighted the areas in question. If you can not VERIFY that the information belongs to me you MUST remove the items within 15 Days of this notice. If they are not removed we will take your company to court and sue you for defamation and damages. 

Thank You.
Complaint sub-issue: Called after sent written cease of comm

I Trade in car with clear title that was send to me from that company.I told them i know longer have the car and for them to get in touch with the company I sign the title over to. for them to collect the balance they say i owe. They won '' t stop calling my cell phone and leaving messages. I no longer have that car it been gone since XXXX of last year.
Complaint sub-issue: Account information incorrect

Last mth, on or about the day of XX/XX/21, I finished paying enhanced recovery company. They've said that they contacted the credit bureas, but the bureas still showing a balanced left to be paid on the reporters website. Now, I've sent the reporters a copy of a letter from erc. Still waiting to be updated on their reporting website.
Complaint sub-issue: Debt is not yours

i have sent numerous of letters to XXXX stating i do not owe XXXX $ and to have it removed from my credit as a debt collection. this collection is hindering my credit and i demand it to be removed. i only had XXXX for less than 2 weeks, and i paid the phone bill in FULL and i also returned the cellphone i had with XXXX. the XXXX $ they are trying to collect if false and inaccurate
Complaint sub-issue: Having problems with customer service

I applied for a federal consolidation loan on XXXX/XXXX/XXXX, included in this application was an application for income based repayment under the REPAYE program. 
On XXXX/XXXX/XXXX my federal consolidation was finalized. 
On XXXX/XXXX/XXXX my RePaye application was rejected citing to insufficient paperwork to establish income. 
On XXXX/XXXX/XXXX, I called the servicer re : the rejection ; the servicer indicated that after re-review of the documents, the rejection was in error, and that my Re-Paye repayment plan application was correct and would be acted on soon. 
XXXX/XXXX/XXXX, having heard nothing from the servicer, I again inquired about the status of my Re-Paye plan application,. I was told my application was missing paperwork and needed to by updated, the income information had become stale given the time that had now past because of the servicer delays. On XXXX/XXXX/XXXX, I uploaded a copy of my two most recent pay stubs to the servicer 's website. I asked for expedited review. I called twice in the following week, explaining all delays and requesting expedited review of my re-paye application. I was told the repaye application would be expedited and completed the next day. On the next day I called to confirm conpletion and was told it would instead be 1-2 more months for the Re-Paye application to be processed. During this time interest on the unpaid loans has been accruing. Also, my full standard payment is now due XXXX XXXX, XXXX. I have been told that they can not change the due date and they can not add forbearance, because it will cause my re-paye application to be rejected. I ASK THAT MY RE-PAYE APPLICATION BE REVIEWED ASAP, AS IT HAS BEEN WITH THE SERVICER FOR OVER FOUR MONTHS. I ASK THAT IF THEY CAN NOT CALCULATE PAYMENT BEFORE MY LOAN DUE DATE ON XXXX/XXXX/XXXX, THEY CHANGE MY DUE DATE UNTIL LATER IN THE MONTH. There is a huge backlog with the servicer, and many many kinks to be worked out in their system for approving re-paye applications. These administrative failures on the part of my servicer is likely going to cause my loan to default. I can not afford the standard full payment. Please help expedite the Re-Paye approval process.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting XXXX {$8700.00} XXXX XXXX {$0.00} FST XXXX {$12.00} XXXX {$15000.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX {$1600.00} XXXX {$0.00} CB XXXX {$0.00} XXXX {$920.00} XXXX XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00}
Complaint sub-issue: Received bad information about your loan

Please, please help me in dealing with my loan servicer, NelNet. I am trying to file a complaint about a mismanaged student loan. I have tried calling and emailing NelNet numerous times to fix the issue, but they are unwilling to correct their mistake. 

I have statements from XX/XX/XXXX to XX/XX/XXXX showing the student loan payment date was XX/XX/XXXX. I am attaching a statement from XX/XX/XXXX and XX/XX/XXXX to show that the loan repayment date is XX/XX/XXXX. It does not change during the year. I attempted to restart school in XX/XX/XXXX. I, sadly, had to withdraw. NelNet reset my loan repayment date to XX/XX/XXXX, instead of XX/XX/XXXX, thus removing 18 months. I was told they reset the payment schedule, BUT I was not losing anything despite the 18 months taken away. I was also told that I should have asked for the deferment not to be applied to my account even though the school did it automatically without consulting me. The statements I have are from XX/XX/XXXX to XX/XX/XXXX, which are BEFORE I started school, and no deferment was involved showing that my due date was XX/XX/XXXX. I am being penalized for attempting to return to school. NelNet is blaming it on the deferment and selected the repayment schedule instead of following the previous repayment date, XX/XX/XXXX. Please help me get this corrected.
Complaint sub-issue: Having problems with customer service

I have been trying to get a copy of my pay history on my student loans. I would like to see a detailed record of any 30-60-90 day late periods. 
I also want to know where I can find or be provided with Policy on how and when information is reported to credit agencies
Complaint sub-issue: Account information incorrect

whom it may concern, The reason for this letter it to dispute an unauthorized inquiries on my credit report. On XXXX XX/XX/XXXX XXXX, I retrieved a copy of my credit report ( File : XXXX ) and discovered multiple inquires that I have no knowledge of and did not authorize. 

Because I did not apply for credit with creditor or lender listed below, XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX OH XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX  PO BOX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX SXXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have also reached out asking that they remove the inquiry from my credit profile in the past and received no response. 

Please launch an investigation into the above creditors inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if creditor is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

There seems to be an error on my consumer report furnished by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX my consumer report, there is late payments reported and Fraudulent accounts which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Complaint sub-issue: Debt is not yours

MRS BPO LLC sent me a collection letter in the mail alleging that I owe {$39.00} on an account with XXXX. MRS BPO LLC account number XXXX. I have never heard of MRS BPO LLC nor do I owe XXXX any money. I don't have an account with XXXX and I don't owe any money. When I contacted MRS BPO LLC they were hostile and aggressive towards me. MRS BPO LLC engages in flagrant violations of the Fair Debt Collections Practices Act with their hostile debt collection practices. I don't owe them any money nor do I have an allege debt with XXXX.
Complaint sub-issue: Debt was result of identity theft

I never received any notice for them company. I called advised the collector I was a victim of identity theft & I do not have a contact or agreement with a Wet signature from their company or client. The collector continued to overshadow me by speaking over or cutting me off. I told her this Remark was placed on my credit. She said were not removing it & I need to check with my post office they sent a letter. Which is not validation or a contract. I am requesting this removed from my credit unless a contract with my signature an be provided from LJ collections agency.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX- Disputed Discover incorrect last date of activity of XX/XX/XXXX with 3 credit bureaus Last date of activity was XXXX/XXXX  XXXX. There is no way it could have been any later than this, because I was XXXX  XX/XX/XXXX-XX/XX/XXXXOn or about XXXX- responses from credit bureaus did not have any information about how they concluded the information was correct. 

XX/XX/XXXX, XX/XX/XXXX- Contacted Discover to address the error. 
They confirmed there was a credit of {$2.00} which was given on their part, but the rep could not explain what this was for. However, it was not a payment on my part. 

XXXX- Discover Last date of activity XX/XX/XXXX. 

Therefore, both Discover and Credit bureaus are in violation of Fair Credit Reporting. Act.
Complaint sub-issue: Problem getting report or credit score

I discovered in XXXX 2015, when a low-balance credit card application was denied, that I am the victim of major identity theft. I placed fraud alerts and security freezes with all three of the main credit reporting bureaus. I also requested detailed copies of my credit reports. XXXX and XXXX eventually sent copies ; however, Equifax refused to send me a copy, because I could not answer their " security questions. '' I could not answer Equifax 's " security questions '' about mortgage loan amounts, or installment loan amounts, because those amounts were not mine! I contacted Equifax by phone, several times. I also contacted them via facsimile. I believe CFPB was able to get XXXX Equifax copy for me XX/XX/XXXX or XX/XX/XXXX. However, I need an updated, XXXX 2015, Equifax detailed report, so that I can officially dispute all current fraudulent items. ( Due to XXXX, I had to put all of this on hold. ) I still need to know the name of all of the loan companies in the Equifax report, & what kind of documents the thieves used to open up the fraudulent accounts. 
Equifax 's phone system is a nightmare ... they just keep referring you to other phone numbers. I need the CFPB 's assistance, once again, in obtaining a copy of my detailed Equifax credit report.
Complaint sub-issue: Unexpected increase in interest rate

Discover Card charges a 29.99 % interest rate. This is a usury rate. It discriminates against seniors that are on fixed income. Arizona law is a 10 % interest rate.
Complaint sub-issue: Didn't receive notice of right to dispute

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX  XXXX {$4300.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful.

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Complaint sub-issue: Didn't receive notice of right to dispute

As of XX/XX/23 the amount owed to " Puget Sound Collections Inc '' is a total of {$3300.00} after interest. However, I never received any type of notice from the original biller that I had a bill that was owed, nor from the collection agency. I had medical coverage at the time of service, XXXX, in fact. I have proof of coverage. Had I actually received notice in a timely manner ( within 2 years from DOS ), I could of had this resolved with the original biller by providing proof of coverage. 

This is the most recent information on this collection due a recent dispute filed with the three credit bureaus.

I will continue to dispute this as I am not responsible for it, this would have, absolutely been paid and taken care of had the original biller and the collections agency done proper due diligence in reaching me to get this taken care of. I have proof that the hospital bills were paid, which is the same time that these collections are showing for DOS.
Complaint sub-issue: Account status incorrect

I recently disputed a credit card transaction with a merchant that had overcharged me for a rental car. I contacted the merchant to resolve the issue but at the same time, asked my bank to also investigate. It turns out that when you do this, your bank lets the credit bureaus know that you have a dispute with a merchant currently being looked at but in the process, don't communicate the balance or the payment history to them of your credit card account at that time. As a result, all XXXX credit bureaus dropped my credit score by XXXX points! Surely, this is illegal? Why would a dispute with a merchant result in my credit score dropping at all? In one case, the credit bureau dropped my score by XXXX points! I don't believe this is fair. I've worked hard to get my score up and due to what is clearly a flawed process, I have been penalized through no fault of mine. The merchant agreed that they were wrong and the matter has been resolved. However, my credit score has been severely damaged.