Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with customer service

I am on an income based repayment plan which must be re-certified each year. I have filled out the form from the government website three times since XX/XX/18 and each time I am told it can not be processed, claiming it is the wrong form, the signature expired, etc. I have called and told by customer service there is no reason why it was not processed and someone would investigate and call me back. Never got a call back. Second call I was told to fill it out again and did. I have included all supporting documentation. 

My other three loan servicers have approved my IBR with no problem back in XX/XX/XXXX. American Educational Services is incompetent.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021 sent a 3 letters regarding fraudulent accounts on my credit report. To this day over 60 days later and I still have not received a response yet. I like im being take advantage pf and being ignored of my disputes.Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I was also affected by equifax breach and ive been getting alert that my information was compromised on the dark web. I have never done business with these companies and i am asking that these fraudlent account tp be removed. I have attached my Drivers license and the FTC reports and Social.
Complaint sub-issue: Account status incorrect

My XXXX XXXX XXXX XXXX account was never included in my Chapter XXXX Bankruptcy. XXXX was notified by mail that I had filed XXXX. I continued to pay on my account each and every month while in my XXXX. Payments were never late and I continued to pay on time after my bankruptcy was discharged. I am attempting to get this erroneous information corrected on my account. My payments are not being reported as they should and the account is showing closed with a late payment in XX/XX/2021 which is not true. I have attached my XXXX schedules that were included in my Chapter XXXX Bankruptcy. It will show that XXXX XXXX XXXX XXXX were never included in my filing they were only notified.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX, 2017, is when I last sent this company a letter disputing several incorrectly reported items on my credit report. including XXXX XXXX Acct # : XXXX which was removed from my report by XXXX. I am not asking this company to base the investigation on XXXX 's investigation results. I am just stating a fact, that an item being not verifiable to one bureau, should be the same with the other bureaus. I am requesting copies of documents used in the investigation by this company that Transunion is not able to obtain. I also request that Liens ref numbers : FEDERAL TAX LIEN Ref # XXXX, FEDERAL TAX LIEN Ref # XXXX and FEDERAL TAX LIEN Ref # XXXX. Verified with the courts last XX/XX/XXXX, that these liens have been withdrawn. No citation of my name, SSN or DOB. Please reinvestigate properly all the items I have disputed, from the inaccurate account opened date, highest balance, status, inaccurate payment history.
Complaint sub-issue: Information belongs to someone else

This letter shall serve as formal complaint against Equifax. 

As indicated that Equifax has been failed. to respond to my 3 previous disputing letters regarding accounts opened by fraud. 
Equifax is only one Bureau that has been reported these 2 negative account on my report. The obviously violated the LAW. 
Federal law requires you to respond within 30 days, yet Equifax has failed to respond. the Federal Trade Commission ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with Equifax on this matter ; for the purpose of filing a complaint with the FTC. 
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Complaint sub-issue: Account information incorrect

A debt with XXXX XXXX XXXX It which was incurred in late XXXX, was sold to XXXX and a new date of XX/XX/XXXX was documented as the date reported. When I spoke to the representative from XXXX I explained to her that the date was wrong and that the debt was seven years old. The representative said they actually had until XXXX to collect on the debt, which would make the debt older than seven years  old.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect items were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX  dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the following erroneous accounts that are reporting on my credit report ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$6900.00} ; XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Account status

XXXX XXXX Account # XXXX Please delete and update my records/credit score. 
I paid this in full and never use it again.
Complaint sub-issue: Account status

I mailed Equifax last month and asked that XXXX accounts that say I dispute them be changed since I DO NOT dispute them. I have no issue with the results of the investigation. Now my loan officer says I can not get approved because these are still in dispute. 

Despite the fact XXXX of these # XXXX and # XXXX were DELETED by the other credit bureaus. BUT if they refuse to delete them then I am no longer fighting please just take them out of dispute so I can get approved!!
Complaint sub-issue: Their investigation did not fix an error on your report

This account is XXXX. XXXX is not reported to a consumer report. After the settlement Balance was paid there is a discharged balance of XXXX that is required by law to be reported to the IRS as income by the consumer. Regardless to if the company issues a 1099c to the consumer or not the discharged balance must be reported to the IRS as income. The account status is no longer debt but income. Reporting this account as anything other than income after the the company has charged off the account is inaccurate and income does not get reported to a consumer report. XXXX  XXXX was relieved of the tax burden with this account and the tax burden then placed on the consumer. There's also case law to back up what I've just stated. Franklin Credit Mgmt v. Nicholas, Amtrust Bank v. Fossett. At this point the company is willfully non compliant given I have put them on notice prior to this complaint. Under 15 usc 1681n XXXX XXXX can be held for civil liability for willful non compliance. I will also be filing a a tax complaint against the company as I've requested a 1099c with XXXX XXXX and that request has yet to be fulfilled. Even though the discharged balance is not over XXXX dollars in which a company is required by the IRS to file form 1099c it does not mean the consumer is excluded from filing the discharged balance as income on their tax return. So regardless to the amount it is still income. I want the account deleted from my consumer report.
Complaint sub-issue: Debt was paid

I have tried to get in contact with this company multiple times and they refuse to update my balance to the correct amount. On my credit report it shows an unpaid balance of over {$1100.00} when actually all but {$570.00} has been paid. I have attached proof to this complaint and I expect my credit reports to all 3 be updated immediately with the correct amount owed.
Complaint sub-issue: Deposits and withdrawals

On approximately XX/XX/2022, I opened an Albert checking account under a promotion that promised a {$150.00} bonus if there were three months in a row of 1. direct deposits over {$200.00} 2. at least {$100.00} in debit card spend Qualifying direct deposits would also unlock cash back offers on the debit card. 

I repeatedly contacted Albert customer support since opening the account to ensure that I was properly meeting the bonus requirements. They clarified that the 3 30-day periods would start with the first direct deposit ( which was on XX/XX/2022 - an XXXX deposit that they confirmed on my direct deposit list and which unlocked my cash back offers that month ). 

Thus, according to them I needed one direct deposit and {$100.00} of debit card spend for each of 3 periods - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX Immediately after setting up the account, I went to their " set up direct deposit '' menu and was happy to see that XXXX  host was listed as one of the options. NOTE that this " set up direct deposit '' menu flows directly from the {$150.00} bonus offer page. I have saved screen shots from the DD enrollment process and at no time in this process did they say that XXXX host was not a " qualifying '' direct deposit. It was one of the options immediately after the {$150.00} bonus offer screen. Because enrolling " automatically '' didn't work, I followed their instructions to add the DD manually instead. 

Upon receiving that first direct deposit on XX/XX/XXXX, it did not automatically post as DD. so I wrote to customer service. and they moved the deposit to my official qualifying DD list inside the app. They clarified that this would be my first qualifying DD and the 30 day periods noted above. 

This continued for almost 2 months that they would add my DDs to the official qualifying DD list and I would make the required debit card spend. Each time I wrote in, at no time did any Albert rep say these deposits wouldn't qualify for the bonus. ONLY qualifying DDs count to unlock the debit spend offers and each time my offers were unlocked, further representing to me that I was qualifying for the bonus as well. 

Until this past week when they suddenly claimed - two months in to a three month qualifying process - that my deposits wouldn't count for bonus purposes. When I pointed out the misleading nature of their dashboard, the customer service correspondence we'd had, and that nowhere in their terms did they state this... they literally waited a week to get back to me, added language to the terms that was not there before, and now refuse to consider these deposits as qualifying even though they've been affirmatively misleading me for 2 months. 

This is fraud and bait and switch. They can not revise terms on a bonus after the fact, and they can not affirmatively mislead their customers with their dashboard or their CSR responses.
Complaint sub-issue: Investigation took too long

I sent Equifax a letter nearly 3 months ago, asking them to investigate errors on my credit report. As of today, they have not responded yet, despite XXXX follow-up letters I sent them about it.
Complaint sub-issue: Didn't receive enough information to verify debt

ON COMPLAINT NUMBER XXXX XXXX XXXX XXXX DID NOT PROVIDE PROOF OF AN ALLEGED CLAIM. ACCORDING TO RESPA THE MORTGAGE COMPANY NEVER DISCLOSED TO ME THAT I WERE PARTY TO AN INVESTMENT CONTRACT.. IT CLEARLY SAYS ON THE LETTER ATTACHED FROM XXXX XXXX XXXX UNDER THE TRUTH IN LENDING ACT " THE AMOUNT OF CREDIT PROVIDED TO YOU OR OWN YOUR BEHALF WHICH MEANS I CREDATED THE DEBT. I CREATED THE DEBT 15 USC 1692 ( A ) ( 4 ) .THEY DID NOT SHOW THE FULL ACCOUNTING RECORDS ACCORDING TO ( GAAP ) THAT I ASKED FOR. THEY DID NOT PROVIDE ME WITH THOSE RECORDS BECAUSE THE COMPANY IS A FRAUD. XXXX XXXX XXXX WAS A THIRD PARTY TO THIS DEBT I CREATED.
Complaint sub-issue: Account status incorrect

I've repeatedly attempted to have inaccuracies on my report deleted but, no one seems to care so, here we are. Please only communicate with me through CFPB. ALL REPLIES AND CORRESPONDANCE SHOULD BE STRICTLY THROUGH THIS PORTAL AND BY NO OTHER MEANS. IF YOU CONTACT ME BY ANY OTHER MEANS, I WILL CONSIDER IT HARRASMENT. XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I received an alert that a collection account had been added to my credit report. I pulled my credit report to find out what this collection account was for. Well the collection company is trying to collect for an online payday loan that they have no legal authority to collect on as the loan was not legal and the State of California issued Desist and Refrain Order and Order Voiding Transactions and to Disgorge All Charges and Fees.
Complaint sub-issue: Need information about your loan balance or loan terms

My wife and I are on Income Driven Repayment plans while I am a XXXX XXXX as we have a partial financial hardship. I am on PAYE and she is on REPAYE. Our loans are held by XXXX ( PHEAA ). 

On XXXX/XXXX/XXXX, I received a notification to submit annual loan recertification documentation. My wife and I submitted those documents promptly on XXXX/XXXX/XXXX. 

We received emails on XXXX/XXXX/XXXX confirming the receipt of those documents. However, there was no indication in our online portals that these documents were received or that processing had begun. 

Today ( XXXX/XXXX/XXXX ), I received an email from XXXX stating that I needed to recertify as the deadline was rapidly approaching ( XXXX/XXXX/XXXX ). 

I called XXXX at XXXX XXXX/XXXX/XXXX and waited 20 minutes on hold. The agent I spoke with said " That 's  strange that you received a notification so early. '' and that " Since you submitted so early, your application was placed on hold ''. 

I asked when my application would be processed. She said " 1 to 2 months, but not before XXXX/XXXX/XXXX ''. I expressed my concern that this would be insufficient time as my plan expires on XXXX/XXXX/XXXX. She stated " you have nothing to worry about '', but would not give any sort of confirmation or offer to expedite the processing of my application.
Complaint sub-issue: Reporting company used your report improperly

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified OR INACCURATE. TOO MANY INACCURACY ON ALL THREE CREDIT REPORTS. THEY CAN NOT EVEN SHOW 100 % ACCURACY OF MY INFORMATION WHICH IS DAMAING MY CREDIT PROFILE. 
CREDITOR : XXXX  XXXX  XXXX XXXX Account # : XXXX CREDITOR : XXXX  XXXX  XXXX Account # : XXXX CREDITOR : XXXX XXXX  Account # : XXXX CREDITOR : XXXX  ACCOUNT Account # XXXX 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
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

I contacted U.S. Bank to payoff my vehicle close to lease end and I submitted all requested documentation on XX/XX/2020 ( documents were overnighted to the Bank ). After multiple calls with the Bank, they stated the account was paid-off on XX/XX/2020 and the title would take about 5 business days to be released and sent to me. Today XX/XX/2020 they are changing the story telling me the title will take another 10-15 days to be processed and sent to me. I clearly stated I was in a time crunch and provided a cashiers check so that the process would move along faster. Additionally, I requested an overnight of the title with my own XXXX  account and none of this helped. 

Every single time I contact the Bank, all representatives have different answers. Completely unacceptable.
Complaint sub-issue: Public record information inaccurate

Acima credit has reported an account that I co-signed on 3 years ago and failed to notify me about the action. I have never heard of a company that reports to the credit bureau without notification. I feel this is an illegal billing practice and I should have been notified. I also filed bankruptcy in XX/XX/2018 which was discharged and could have included this account. However it was not on my credit report at the time. I am told by the company nothing can be done. This is very unethical and unfair.
Complaint sub-issue: Information belongs to someone else

Former XXXX XXXX XXXX, Captured My Employee Personnel File ; And, Applied For Credit Via -- -- -- -- -- -- -- -- -- FRAUD AND ONLINE APPLICATIONS. All 3 ( THREE ) Credit Reporting Agencies, Are Reporting Incorrect Information Upon My Credit Profiles.
Complaint sub-issue: Overdrafts and overdraft fees

On XX/XX/XXXX I was charged double Over Draft Fees of XXXX each. Due to my account being over drawn over night on XX/XX/XXXX. This over draw was wrong because PNC processes my transactions on a unfavtual order to make me over draft before coming current. 

Due to those over draft fees my processing than made a XXXX  cash deposit on XX/XX/XXXX come up short. 

On XX/XX/XXXX I made 2 {$1000.00} withdrawals to XXXX XXXX based on that {$2000.00} cash deposit I made. On XX/XX/XXXX those two withdrawals to XXXX XXXX were also registered as an over draft when everything processed. 

On XX/XX/XXXX I was then given 2 reversals for the XXXX XXXX transactions and then 2 more overdraft fees of {$36.00} each. 

This due to poor processing and lack of fluidity and communication I have been charged {$140.00} in over draft over 3 days. Wrongfully. 

Furthermore I have contacted PNC Bank several times to block over drafting transactions with my debit card.
Complaint sub-issue: Information belongs to someone else

There has been unauthorized inquiries on my report and it has surpassed 90 days without a response about the complaint. I demand these accounts be deleted immediately or I will file for litigation. These items must be removed immediately.
Complaint sub-issue: Frequent or repeated calls

Conns called me over 3 times a day from different phone numbers in attempts to collect debt. Did not stop until I was forced to change my phone number.
Complaint sub-issue: Their investigation did not fix an error on your report

I've reached out to Equifax countless times to address the many and erroneous entries they're reporting inaccurately to my credit file. Although, I've included hard proof of inaccuracy and incompleteness to this file, they've " verified '' the accounts I have shown are unverifiable as they're missing information, have invalid information and are simply not mine. 

On XX/XX/XXXX, I sent correspondence about the false information being reported to my file and requested further information and deletion of this erroneous account from XXXX XXXX XXXX. I was sent a " verified '' letter dated XX/XX/XXXX and I waited for the details I requested, I was sent nothing. On XX/XX/XXXX I sent a follow up demanding a re-investigation and contents of this investigation. I was sent nothing in return and this account remained " verified '' on my credit file. At this point, this one account I had tunnel vision one is reporting illegally as there were no findings or proof produced showing maximum accuracy of this debt. 

Since I received nothing to my method of investigation request, I took a further look into my credit file to see what else could be reporting false or inaccurately. To my surprise, there were accounts that were total surprise to me. I sent a letter asking for proof of validation or deletion of these accounts and all these accounts were " verified '' although I have no knowledge of any of them. I've reached out to these companies and they sent information that's inconsistent with my personal information and simply not mine. Although this has been proven and I've shown inconsistency, these accounts remain on my credit illegally. 

In XX/XX/XXXX, I pulled my consumer report to start the new year by housing the correct information on my credit file for maximum accuracy. After dealing with devastating life happenings that put my personal and confidential information in compromised positions, such as data breaches or personal information loss from moving around I was worried about fraud activity. In effort to correct my personal information, I sent Equifax my correct and final information, asked for deletion of any other addresses, names, employers or numbers as they were not mine and sent verification of my correct address, name and identification proof. Although I took the proper steps as a consumer, Equifax is still housing incorrect personal information which in term is making it difficult to feel at ease with false information reporting on my file. 

Not only are these errors damaging to my creditworthiness, they're also affecting me while in the process of finding a safe home for my family during a difficult time. I've specified that to these heartless people and they've done none of the procedures to ensure that my rights as a consumer are met at the full extent of the law. One account is even past 7 years old, which is grounds for immediate deletion and somehow it's still there.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted XXXX with a request to correct wrong information on my reports. Names are misspelled, Inaccurate information. I sent several Request to XXXX  to correct and resolve. I keep getting denied for credit
Complaint sub-issue: Didn't receive notice of right to dispute

Recently the debt collection agency AR Resources reported a collect account in the amount of {$1400.00} to major credit reporting agencies claiming I owed for a past due balance. Prior to doing so no letter of notification or debt collection practices as outlined by the FDCPA were followed. Upon learning of the collection account through a credit monitoring service I contacted AR Resources in writing to dispute the debt, ask for validation of the debt and explain that I had not received a letter previously explaining the debt which would have allowed me to dispute the debt. In return I was sent an unsigned copy of an invoice, despite requesting proof of an original letter of intent to collect the debt and no verification of the debt of any sort. 

As such AR Resources continues to report negatively impacting information to my credit profile. When contacting AR Resources via the phone in XX/XX/2020 I was informed that they do not have any documents establishing privity between their organization and the original medical facility and myself, also no signed agreements between myself and the original creditor. They referred me to the original creditor who states that since the account is in collections I must speak directly to AR Resources. As of XX/XX/20 AR Resources has not validated the debt as requested.
Complaint sub-issue: Information belongs to someone else

These accounts do not belong to me. Please block and remove per 15 USC 1681c-2.