Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Received bad information about your loan

On XX/XX/2021, I received an email from the Department of Education advising that I consider re-establishing Direct Debit for my Federal Student Loans with my servicer ( FedLoan Servicing ). On XX/XX/2021, I visited the FedLoan Servicing website to re-establish my Direct Debit. Following the re-establishment of my Direct Debit, I am now simultaneously receiving conflicting information about my monthly payment due date on two different screens within the FedLoan Servicing website. On the payment due date screen, the website displays my original payment due date of the XXXX of the month. On the Direct Debit screen, my payment due date is now reflected as the XXXX of the month. I did not request a change to the XXXX of the month. Additionally, I do not believe that I received any correspondence regarding a payment due date change. I would like my payment due date to remain the XXXX of the month ( or another date that falls in every month of the year [ e.g. NOT the XXXX, XXXX, or XXXX ] ). Because of the new, conflicting information on the Direct Debit page, I am unable to discern accurate information about my student loans. Due to this conflicting information, it is obvious FedLoan is giving me incorrect information somewhere on the website.
Complaint sub-issue: Funds not handled or disbursed as instructed

On XXXX XXXX 2016, I made a affidavit of forged endorsement report with TCF Bank. My business account was compromised. There were seven checks that were endorsed ( fraudulently ) and signed by someone other than myself. The total dollar amount of checks that were honored and cashed by TCF bank was {$7900.00}.
After making a notarized fraud and police report. My bank indicated in writing that they would resolve this matter within 28 days of receiving all necessary documents to conduct their investigation. All necessary documents were received. TCF bank has acknowledged that they realize the checks were fraudulent. However, TCF bank has not refunded the money to my account as they previously stated.
Complaint sub-issue: Account status incorrect

I have disputed the incorrect information that Equifax is purposely continuing to report negatively on my credit reports, stopping me from being to buy a home. Because Equifax is still reporting the closed accounts in which I have paid in full they are still reporting 120 days which has dropped my credit score 50 points. These student loans are closed and paid in full. I have spoke to the original debtors and they told me that they have not reported in over a year since the accounts were paid, so it is Equifax who is the ones reporting negative information.
Complaint sub-issue: Debt is not mine

This Letter shall serve as formal notice of my Intent to file a lawsuit against your company, due to your blatant and objectionable disregard of the law. 

In correspondence dated XX/XX/2016 you received a demand for validation and cease communication letter from me delivered to you via certified mail. As of today you have failed to provide me with the proof I have lawfully requested. 

The FDCPA states you must cease collection activity until you have produced validation of the alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which you obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or you would have provided it by now. Also, when an alleged debt is disputed, a notation must be entered on the debtor 's credit report showing the item as in dispute. Again, this was not done. 

I 'm sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations your company is now responsible for. If not, let me point them out for you. 

FCRA 1. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) - Duty to provide notice of dispute. 
2. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information. 

FDCPA 1. 805. Communication in connection with debt collection [ 15USC1692c ] ( c ) Ceasing Communication 2. 809. Validation of debts [ 15 USC 1692g ] As per the FDCPA : 813. Civil liability [ 15 USC 1692k ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} If you wish to resolve this matter, this will be your last opportunity to do so. The account must be deleted from my credit files with the XXXX major credit reporting bureaus ( XXXX, XXXX, XXXX and XXXX ) and you forward a letter stating the item will be removed and will not reappear on my credit reports again by you or another collection agency.
Complaint sub-issue: Account information incorrect

I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. 
Secondly according to the 15 USC 1681.The law clearly states. 
1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 


The following accounts are in Federal Violation on my rights, as a federally protected consumer who have the right to privacy. And also they reporting inaccurate information on my credit report i add file from my job supporting my payment story with XXXX XXXXXXXX OFFICE OF THE ATTY GENERAL
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have attached an FTC report with inquiries I did not authorize, Please also update my personal info
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX - they are reporting under two names with incorrect information on my XXXX, XXXX  & Equifax report. I have tried to call on several attempts and get a pre recorded message stating my account is being handled by someone else. XXXX XXXX XXXX is reporting my payment is has never been late or behind with a reporting balance of {$540.00} on my Equifax report and on my XXXX report I see a company by the name of XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX - reporting balance {$820.00}. I have made several attempts to getting this issue resolved by both credit reporting agencies and the company reporting the incorrect information i have recently again disputed the information on XXXX XXXX & XXXX received my request on XX/XX/2018 my current file number : XXXX.
Complaint sub-issue: Seized/Attempted to seize property

TCF BANK LOAN XXXX HAS VIOLATED THE '' THE DODD-FRANK ACT ). PROHIBITING UNFAIR, DECEPTIVE, OR ABUSIVE ACTS OR PRACTICES IN THE COLLECTION OF CONSUMER DEBTS. 
31 F.C.R.A. VIOLATIONS, UNLAWFUL RE-INSERTING LOAN ONTO XXXX AND XXXX CREDIT REPORTS ( WITHOUT 5 DAY NOTICE TO CONSUMER ) BY CHANGING ACCOUNT TYPE, STATUS, DATA ETC.. AND FINALLY RE-AGE DEBT. 

203 T.C.P.A VIOLATIONS TO MY WORK AND CELL PHONE, AFTER CEASE AND DESIST ORDERS AND DO N'T CONTACT NOTICES. I HAVE ALL RECORDS, VOICE AND DOCUMENTATION. 

S.O.L. EXPIRED STILL TRYING TO COLLECT ON A DEBT THAT S/B/ DISCHARGE UNDER H.A.M.P.2MP MODIFICATION BY XXXX.
Complaint sub-issue: Debt was result of identity theft

I have been trying to build my credit but the debt on my reports are keeping my credit score in a " poor '' state. So now I am trying to investigate all negative and false accounts on my reports and I see a deliquent account that I have no responsibility for. I never opened or authorized it and I don't know who did. This is a fraudulent account and I wish to dispute and have it removed as soon as possible. I want proof and records if original contracts or agreements used to open accounts. Addresses or identification used to open it. My identity was used without my knowledge or consent.
Complaint sub-issue: Account information incorrect

I have sent  XXXX  several letters regarding the inaccurate information they are reporting to credit bureau but they consist on continuing sending false information and they also are re-ageing this account to keep it on my credit report longer.This is really hurting me financially and mentally.   I recently disputed this account with the credit bureaus and the information was reported as verified and accurate.I 'm sure we both understand that most disputes are often conducted using software, such as  XXXX , and that mistakes can be made.   On  XXXX  -17 I se nt them a certified letter asking them to investigate. Also to send me an explanation of the methods used, and a description/copies of records reviewed, when they conducted their investigation so I can conduct my own investigation into the accuracy of their records and verify that a reasonable investigation was completed. According to FCRA if they can not perform a reasonable investigation they have to remove this account from the credit bureau ASAP!   If not i will sue. The original creditor can be held liable for reporting inaccurate informati on (   XXXX  vs.  XXXX ,  XXXX  vs.  XXXX   XXXX   ), the FACTA l egislation passed recently allows the consumer to go directly to the original creditor and dispute information which the original creditor ( called the information furnisher ) in the FCRA, has supplied to the credit bureaus.   .
Complaint sub-issue: Account information incorrect

In XX/XX/XXXX, I obtained a vehicle through XXXX XXXX XXXX. In XX/XX/XXXX, I started received notifications that my car payment was reported late almost every month until I traded the car in and got a new lender. I contacted XXXX during my current loan with them as well as on XX/XX/XXXX. I called and ask to speak with a supervisor, letting her know of my concerns for the inaccurate reporting of late payments. She basically told me there is nothing she could do to update the information anymore because I am no longer a customer. I explained to her that I have previously called numerous times to get this resolved, and I put in several complaints with each bureau. XXXX has repeatedly said this information was correct. 

I really need help getting this inaccurate information updated because it is affecting my credit in a negative way. All of the dates below are inaccurate. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Was not notified of investigation status or results

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 33 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Complaint sub-issue: Account information incorrect

Vehicle loan that was sold to an insurance company that has submitted incorrect information to credit burues multiple times. After disputing the information via XXXX, which resulted in no update or any information changes. The creditor has continued to report incorrect information to negatively affect my ability to obtain a loan deliberately. I have contacted them directly multiple times and they deny the accounts existence. Intentionally doing this to prevent me from having this issue resolved to allow them more time to continue to submit detrimental information to credit burues. This includes their denying payoff by the dealership that the car was sold to by me when I purchased another vehicle. Items such as repossession of the vehicle over and over continue to display on my report and I am unable to get any assistance with this. I know the dealership went through a great deal just to locate this creditor and if it is resolved after almost a year of them having the vehicle I was not updated nor does it display that on my credit report.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NO IDEA HOW SOMEONE WAS ABLE TO GET MY INFORMATION TO EVEN DO SUCH A THING ON MY CREDIT. THIS IS CAUSING A GREAT DEED OF STRESS ON MY CREDIT. IT HAS ALSO BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH THE STATE THAT MY CREDIT IS NOW IN. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT. ALSO KEEP IN MIND THAT I HAVE NO KNOWLEDGE OF THE TRANSACTION.
Complaint sub-issue: Company closed your account

I closed the Discover Card and they charged me the amount of {$84.00} I owed to XXXX XXXX. However, Discover card has not paid the amount of {$84.00} to XXXX XXXX. Discover card stole my money of {$84.00}. XXXX XXXX is still asking me to make this payment which if I make will be a double payment. I still want the Discover card to be closed. Please make them pay the amount of {$84.00} to XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I sent a certified letter requesting disputes with Equifax for information that wasn't mine on my credit reports. I gave them over 30 days and they still didn't respond. I would like them to remove these items as they are in violation of the Fair Debt Reporting Act. It was signed for on XX/XX/2021. The certified mail piece number is XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently paid off my collection account with XXXX XXXX XXXX XXXX. The agency has now changed its policies when it comes to accounts which are 2 years old. The agency will now delete the account from all 3 credit bureaus once the account is paid in full. See attached file. Equifax did initially remove the account, but has recently added it back to my credit report. It has already been removed from XXXX, and XXXX. I contacted XXXX XXXX XXXX Services, XXXX XXXX XXXX XXXX and they informed me that Equifax added this back without authorization from them.
Complaint sub-issue: Other problem getting your report or credit score

XXXX XXXX will not forward me a copy of my credit file after I submitted the required documents.
Complaint sub-issue: Didn't receive notice of right to dispute

Called company to ask for debt verification. Verification was mailed 15 after. With no return address or informations to send to dispute debt. Called again after receiving paperwork asking for Texas Surety bond information and collector refused to provide it. Asked for address to send dispute and collector hung up. 

Company Name : XXXX XXXX Phone number : XXXX Address listed on credit report : XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX
Complaint sub-issue: Reporting company used your report improperly

I am not a company. I am an informed consumer filing on my own behalf. 
***See Attached***
Complaint sub-issue: Public record information inaccurate

I XXXX, XXXX the consumer natural person am challenging the validity of this alleged bankruptcy you have listed on my reports. I recently Challenged this same account with the credit reporting agencies and they came back stating that they have verified this account with Lexis Nexis. I have went to the courthouse, and they have also stated they did NOT verify this information. Please send me whatever documents of information you have personally used to verify this alleged bankruptcy, immediately. If you can not produce such documents this bankruptcy needs to be removed from my file as it is defaming my character. An please contacts all credit reporting agencies XXXX, XXXX  and XXXX  to have this bankruptcy remove immediately. The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974
Complaint sub-issue: Their investigation did not fix an error on your report

Please investigate and delete the following disputed accounts that you are showing on my credit report : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX  XXXX account # XXXX 5.  XXXX  XXXX account # XXXX
Complaint sub-issue: Can't get other flexible options for repaying your loan

I do not make enough money to pay over {$700.00} a month to Sallie Mae due to the troubles of finding a job after college. I am currently working as a server, along with bills ; a {$110.00} car payment, {$700.00} in rent, $ XXXX {$110.00} a month for utilities, ~ {$170.00} for federal student loans, and not mention the costs to survive. On XX/XX/XXXX around XXXX I was told I could go into a program that would put my loans up to date. I would have ~ {$270.00} taken out of my account automatically for 3 months. This would be the new payment for 2 years and I might be eligible to reapply after this period of time. I was told that it would also lower my interest rate to ~3 % during this time. My co-signer also is unable to help pay with these loans. These were the terms set due to her financial situation as well. Two payments were taken out, yet we were still getting past due notifications. To understand why this was happening I called Sallie Mae on XX/XX/XXXX to see what the confusion was. As it turns out, without giving us proper notification, we were denied for this program and the already hefty XXXX a month has now grown over two months. They breached our contract with deception of the worded confirmation they sent us in the mail, yet did not send anything mentioning our " denied '' form about the program they so happily took money for. I was not told anything until I called. They record all of their calls, with our call I believe I can prove that they went against their word. This yet another unethical deception of Sallie Mae that any XXXX search can bring up. Salt to the wound, we asked of we could get any of this in writing and was told they " don't do that ''.
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX, 2017, Equifax experienced a massive data breach, which put over 143 million million people at risk for identity theft. 

According to Equifax 's records, I am one of those people. Hackers have my social security number, birthdate, address, etc., which they can use to destroy my credit and everything I have worked for. I 've known people who have had their identities stolen, and it 's taken them years to get their lives back. 

This should not have happened -- not to a company that 's in charge of incredibly sensitive information. 

Also, Equifax is offering me ID protection in exchange for an arbitration clause, which I believe is unethical.
Complaint sub-issue: Threatened to sue you for very old debt

Was contacted on XX/XX/XXXX about a debt from XX/XX/XXXX. Was threaten to be sued over debt that I thought was resolved. Was very aggressive over the phone and attempted to immediately take payment. I agreed to review a payment plan to get off the phone. Called again XX/XX/XXXX and XX/XX/XXXX attempting to collect. I did not answer these times and saved the voicemails.
Complaint sub-issue: Reporting company used your report improperly

UNITED STATES CONGRESS states EQUIFAX is an elaborate mechanism who ASSUMED its role to furnish a report on my behalf under 15 USC 1681. ( The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and " unfair '' credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. EQUIFAX is supposed to have my written consent to to obtain my private information to make a report. THEY DO NOT HAVE MY WRITTEN CONSENT under 15 USC 1681b. The UNITED STATES CONGRESS states under 15 USC 1681a ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The UNITED STATES CONGRESS has DEMANDED EXCLUSION OF ACCOUNTS relating to transactions or experiences between the consumer and the person making the report. Why are you EQUIFAX violating the UNITED STATES CONGRESS as well as the FCRA and destroying my confidence in the banking system?? I did NOT request verification on any account I DEMANDED you exercise your grave duties with RESPECT to the consumer and CONGRESS LAW, instead you conducted a FRAUD re-investigation took over 45 days and have NOT provided names, address and phone numbers of those you are required to personally interview as REQUIRED BY CONGRESS under " investigative report ''. You have also now responded with a letter saying you could not verify me even tho i sent a photo copy of license and billas as needed which leads me to believe you are PURPOSELY STALLING YOUR DUTIES. EQUIFAX is in DISHONOR and is not PERFORMING their GRAVE DUTIES accordingly to the UNITED STATES CONGRESS and is liable under 15 USC 1681n and 15 USC 1681o