Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Complaint sub-issue: Debt is not yours

Upon reviewing my credit report with all three XXXXcredit bureaus I was informed that I have late or missing payments which I do not owe, and have been reported for more than a year as deliquent. Attempts to get written verification proved unsuccessful as the complaintant stated, " they did not have to prove anything to me. '' I am trying to purchase a home and this situation is preventing that from happening due to FALSE information being listed on my credit reports.In other words, this debt is NOT mine! 

Please assist so that I will not have to pay for legal help in this matter.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I was XXXX from XX/XX/XXXX to XX/XX/XXXX of the year XXXX Thats from the church it occurred to this card I know responsible for I was nowhere around. I have provided copy of police report and proof of XXXX
Complaint sub-issue: Need information about your loan balance or loan terms

I applied for public service loan forgiveness on XX/XX/2020. I have completed all requirements. Such as 10 years in public service as well as yearly employment certifications. When contacting FedLoan they stated it can take up to 3 months for forgiveness. It has now been almost 5 months and nothing. They state the application has been forwarded to Federal Student Aid. When contacted they provide little information regarding the status of my application.
Complaint sub-issue: Trouble with how payments are handled

FedLoan Servicing has mislead me during a transition from Income Based Repayment ( IBR ) to Revised Pay As You Earn ( REPAYE ) and on whether the Standard Repayment Plan payments made during the transition would count toward Public Service Loan Forgiveness ( PSLF ). Before the transition, FedLoan Servicing explained that these would count and I was not informed that any applicable terms and conditions on the Standard Repayment Plan option would prevent them from counting. I was informed of the terms and conditions within the transitional repayment plan ( payment amount for 309 months was {$590.00} and the payment for the final month was {$580.00} ). I asked FedLoan Servicing that by opting to a Standard Repayment Plan during the transition, regardless of the months specified, on whether those payments would count toward PSLF. And they explained that such payments would count. If this would not have been the case, I would have requested the Reduced Payment Forbearance. 

Here were the XXXX : XX/XX/2016 - {$590.00} ( Standard Repayment Plan ) XX/XX/2016 - {$590.00} ( Standard Repayment Plan ) In addition, according to XXXX, " Payments you make under a 10-year Standard Repayment Plan or under any other Direct Loan Program repayment plan with payments that are at least equal to what you would have been required to pay under the 10-year Standard Repayment plan also count toward PSLF. '' In my view, either these XXXX should count toward PSLF or I should be issued a refund. 

Can this please be looked into? 

Thank you.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Report XXXX XXXX XXXX XXXX act # 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.

I did not create any action to overdraw my account... that was created by the issuer for finance charges and fees. If I went over my limit on my own accord the charge would be declined. Since the bank does it then it is accepted and I'm penalized..
Complaint sub-issue: Account information incorrect

XXXX, account number XXXX, the original creditor and XXXX XXXX XXXX, account number XXXX, the debt buyer for this account are appearing wrongfully on my Equifax credit bureau report.BOTH accounts have inaccurate and incomplete information regarding the payment histories and date of first delinquency.They are both two months away from the 7yr mark since accurate date of first delinquency.XX/XX/2011, the account was 30 days late and then never brought current.Both state 1 year later and that is called re-aging. 
The dates in both items are inaccurate and upon inspection conflict with each other and appear as non-factual. 
BOTH accounts should be removed from Equifax credit file for their incomplete payment histories and inaccurate dates on just about everything stated.
Complaint sub-issue: Deposits and withdrawals

I have an account with coinbase, com from earlier this year ( 2017 ) I have been buying and selling cryptocurrency through their site until recently when i tried to buy bitcoin ( BTC ) through my bank account which had too few funds in it which was a mistake i made. 
Since then i see that when i log into the account my account is set to restricted access and can not buy or sell. Effectively freezing my money deposited in there. 
I have tried to email support, and call the number for help and so far had no reply by either methods. There is now no way I can access them and unfreeze the account. 
I did get through their phone system once - earlier today, and hit '2 ' for a call back. I was called back ( the mans voice was the same as the voice on their 'Please hold ' message. He asked me to hold the line, and the line went dead. He never called me back. Since then I have tried repeatedly to call to no avail. 
Please help. 
I have etherium ( ETH ) coins purchased ( currently valued at around {$4000.00} )
Complaint sub-issue: Debt was paid

On the date we scheduled the oral XXXX, we paid our portion that was owed for XXXX. They billed the insurance for the remainder. We never heard from the doctor again, and now have received a collection notice when we were told that the out of pocket we paid covered everything.
Complaint sub-issue: Their investigation did not fix an error on your report

CRA taking longer than 30-45 days to complete dispute. They are not in compliance with the FCRA & FCBA laws.
Complaint sub-issue: Company closed your account

I received a letter from Citi dated XX/XX/XXXX regarding my Citi Thank you Preferred MasterCard credit card account. They stated they were closing the account due to inactivity. They did not contact me prior to closing the account even though I have had this account since XXXX. I last used the card in XX/XX/XXXX and paid that bill on XX/XX/XXXX. I had a XXXX  balance when the account was closed. 

I called Citibank on XX/XX/XXXX and asked them to reinstate my account. The first person I spoke with was based in the XXXX. They wanted my social security number which I declined to give them. Finally they transferred me to an agent in the United States who also requested my SS #, income, etc. and said they would need to run a credit report on me. This is the same as applying for a credit card. It is not reinstating my account which they should have been able to easily do since they just closed it. 

I gave them the information they requested and they will let me know in 5-10 business days if they will reinstate my account, what my credit limit will be and what the terms will be. Meanwhile my credit record will be dinged because they are running a credit report. I have no idea of the terms of the card they will reinstate. 

I feel quite angry that the company did not reach out to me before closing my account which was in good standing. This is no way to treat someone who has had an account with them for more than 30 years.
Complaint sub-issue: Information belongs to someone else

There are several inquiries on my credit reports that I do not have knowledge of. I have attempted to contact each of the companies who " inquired '' to my credit report and they advised me that I need to contact the Bureau which they are showing. I have attempted to contact all 3 credit bureau 's on several occasions and listed the names and dates of the inquiries along with a few duplicate inquiries and they were not helpful. They pointed me back to the company who originally submitted them. One rep encouraged me to file a police report and told me this had to be fraud before they could do anything about it. Per the credit bureau 's website it states to contact them directly with any disputes, there is nothing indicating a police report is needed before they will even speak with you about you concerns and there is nothing indicated that you need to talk to the orginal company who requested to view your credit report. Please help!
Complaint sub-issue: Reporting company used your report improperly

The Company LexisNexis is stopping me from getting new Credit lines, Loans & Very important things I need for my bussiness to operate due to them putting Tax Lien on my public records. I am on a installment agreement with the IRS and pay them monthly. 


Source - XXXX XXXX XXXX  In XXXX, however, all three credit bureaus implemented changes to eliminate civil judgment records ( notes that a consumer owes debt to a court because of a lawsuit result ) and half of all tax lien data. By XX/XX/XXXX, all tax liens were removed from credit reports by the bureaus. 

The updated rules are the result of a Consumer Financial Protection Bureau study that found issues with reporting such information correctly. 

" A lot of judgments and liens were linked to the wrong people, so someone may share your first and last name, maybe live in a different part of the country, and they might have a lien or judgment that might get linked to your file, '' said XXXX XXXX, senior director of credit risk assessment at data firm LexisNexis Risk Solutions! 

So why is my TAX LIEN on my credit report? I would like this be removed from my consumer report cause it is unfair to me when this is the only consumer place having my tax lien that I am paying off on file.
Complaint sub-issue: Account status incorrect

Spoke to VW rep regarding why my account was being reported as late for three consecutive months and requested that it be corrected. I received a letter that waived 3 months payment starting in XXXX thru XXXX. Presented to credit reporting bureaus and the 3 months was changed to XXXX XXXX and XXXX of which the period is still incorrect as I was only late for XXXX as I had a previous months XXXX XXXX and XXXX payments waived as well.
Complaint sub-issue: Reporting company used your report improperly

These accounts are Inaccurate and I'm seeking litigation please delete at once. Compensate me {$1000.00} per inquiry violation for all the damages that I received to 15 USC 1681n & 15 USC 1692k.
Complaint sub-issue: Information belongs to someone else

I recently pulled my consumer risk report through XXXX XXXX. My clue and consumer report has an accuracies that do not verify with the correct information. My name is wrong. My address is wrong and also other consumer reporting information dealing with credit and background that needs to be updated with the correct information.
Complaint sub-issue: Their investigation did not fix an error on your report

I am appalled by the Credit Bureaus ' inability to verify the disputed account on my Credit report despite the multiple letters I have been sending to them! How many letters would it take me to send to them in order for the Credit Bureaus to update and correct the status of this account? Once again, I am NEVER LATE in paying with this account. I have my own record of payment history to ensure the data athat the Credit Bureaus and the creditor present is accurate and not erroneous. The information they present does not match with what I have! I am requesting that the Credet Bureaus stop this erroneous reporting and correct this account to report accurate information on my Credit report! I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining account to be corrected : XXXX XXXX XXXX XXXX : {$290.00} Date Opened : XX/XX/2020
Complaint sub-issue: Reporting company used your report improperly

Consumer reporting agencies furnishing inaccuracies on my consumer file. On XX/XX/XXXX I sent a letter to US Bankruptcy asking if they furnished or was asked to furnish an alleged bankruptcy on my consumer report by the big 3 consumer reporting agencies? ( XXXX, XXXX, and XXXX ) I Received a letter dated XX/XX/XXXX from US Bankruptcy Court XXXX XXXXXXXX XXXX XXXX  stating that they are not associated with any consumer reporting agencies. What is included or expunged is from a consumer report is determined by the credit reporting agencies. Since XXXX did not get this information from the court, I need to see a copy of the documentation you have in my consumer file as to where they did receive this information. 

Federal Privacy Act of 1974 - 5 U.S. Code section 552a. This law applies to the access to, and disclosure of, records of individuals held by federal executive and regulatory agencies. It requires such agencies, with some exemptions, to limit disclosure, provide access to the individual, and to apply basic Fair Information Practice Principles to such records containing the personal information of individual U.S. 
citizens and legal alien residents. 

According to 15 USC 1681 ( a ) ( 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. 

XXXX and XXXX are reporting date filed on XX/XX/XXXX, while XXXX is reporting the date filed as XX/XX/XXXX. Thus, making my consumer file inaccurate. The second inaccuracy in my consumer file would be the fact that the reference numbers do no match. XXXX reports the reference number as XXXX, XXXX reports XXXX, and XXXX reports XXXX. Another inaccuracy. The closing dates and the courts are also inaccurate. 

My rights protected under the FDCPA and FCRA have been violated. I never gave any person permission to furnish any information on my consumer report and my privacy as a consumer has been infringed upon as well.
Complaint sub-issue: Received bad information about your loan

I have been working in non-profits for 9 years now, and it turns out that my payments on my students loans for most of that time were not eligible for the Public Service Loan Forgiveness program, because I was on a 20-year payment plan rather than the 10-year or the Income Driven. However, had I been doing the Income Driven, I would have been paying even less than I was at the time. In fact, when I did switch to the Income Driven system, my payments were {$0.00}. So I could have had over 100 of my 120 required payments completed, but I only have 35 on paper. Here are the issues here : -Inadequate communication of the PSLF program. Most people who qualify for this probably don't even know it exists. I found out about it, pursued it, submitted a form that stated that I was applying 5 years worth of payments toward it, and at no time was I notified that those payments hadn't counted. I found out that I only had 35 payments counted toward the 120 because I was looking up how many more months I had to go -- only to find I have 7 more years!

-Inflexibility of the program. I was working with XXXX XXXX, and I kept asking them who I can appeal to, and they said there is no one. I find this very frustrating. The whole point of the PSLF bill was to encourage and reward people who went into student debt in order to pursue a career that serves the community but doesn't pay well. I was a XXXX XXXX XXXX for five years and now I've been a XXXX XXXX for five more. And I was making little enough that I could have easily been on the Income-Driven program during that whole time. Why is there no appeals process that can make my previous payments count toward the loan forgiveness program?
Complaint sub-issue: Threatened or suggested your credit would be damaged

After the death of my son, CB1 collections contacted me, I offered to pay {$50.00} a month until I could pay it all off, they told me that was not good enough and they would not work with me. Months later they sued me, and are now threatening to garnish my wages, after talking with them in XXXX I told them I would pay them off completely in XXXX with my students disbursements, but I would also pay {$50.00} until I recieved the money to pay it off [ about 2 payments ] they again said no. 

CB1 and XXXX XXXX XXXX XXXX : {$150.00} XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will t

ake legal action. 15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Complaint sub-issue: Received bad information about your loan

I received a call form a company called XXXX XXXX their XXXX XXXX 77 Elite about an opportunity for loan forgiveness and claimed to be associated with XXXX. They claimed I would get loan forgiveness through their federal program after paying 20 low payments on my overall loan dept by over {$7000.00}. They asked for my XXXX ID and password as well. They also requested my 2 most recent pay stubs. They required an upfront payment of {$240.00} on XX/XX/XXXX and 3 more payments of {$250.00} in the next 3 months and states I did not need to make payments to my student loan servicer during this time. I also did not send the remaining paperwork to this servicer and somehow they decided to charge my credit card anyways. After doing some research with department of education, I learned that requiring upfront payment for loan servicing before providing the service is illegal. After reading about student loan scams I immediately cancelled payment and called XXXX XXXX to cancel their service. I found out months later than they had consolidated my loans anyways through XXXX XXXX XXXX. I recently was contacted by phone informing me that I would be taken to collections. I later learned that their information was false/fraud and that I did not qualify for the public service loan forgiveness through XXXX I believe this is a fraudulent company and was informed that many of their actions were in fact illegal. 


Take Note : " After doing some research with department of education, I learned that requiring upfront payment for loan servicing before providing the service is illegal. ''
Complaint sub-issue: Didn't receive notice of right to dispute

Today is XX/XX/2022 and I have received a notice from Jefferson Capital stating that I am being pursued for a debt of {$430.00}. The letter is dated for XX/XX/2022 and states that XX/XX/2022 was my last day to dispute the matter. 
I unfortunately was not able to check my mail from the dates of XXXX XXXX- XXXX XXXX due to me being out of town because of the death of my Grandmother. I was completely unaware of this matter. 
I can not even recall receiving any calls or voicemails from anyone about this debt collection.
Complaint sub-issue: Problem getting your free annual credit report

equifax is refusing to allow me to get my annual free credit report i have called and talked to rep and tried online with no progress.
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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Ive been asking the company to provide accurate documentation because I am not associated with the address on their documentation and I never lived there and thats not my signature what do ever so please update my credit reports please and thank you so kindly