Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX open : XX/XX/2016 XXXX XXXX  XXXX XXXX {$300.00} This company is reporting I own the {$300.00} I never used this company or have I ever been here this is fraudulent information our house is paid for why would I apply to stay here this information is wrong by the law I will sus this company and go to court if this is not removed off my credit file
Complaint sub-issue: Account status incorrect

n 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 There is incomplete and inaccurate information on my report.
Complaint sub-issue: Information belongs to someone else

Accounts listed aren't mine. Please remove them.
Complaint sub-issue: Account status incorrect

I have student loans with  XXXX  that are showing 90 day past due in  XXXX    XXXX   when the account was in forbearance during that time and the time afterwards. I have filed disputes with the credit agencies several times and have also attempted to dispute the incorrect information directly with  XXXX  and they refused to remove the information. I had them send me the letters showing it was in forbearance as proof and they still refused to remove the inaccuracies. Most recently in  XXXX   XXXX , I again called and asked for it to be removed and they further refused to remove it or dispute it any further.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX  shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, TBOM/FORTIVA XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I graduated XX/XX/XXXX with a degree in communications. I have applied to more jobs than I can count and still haven't landed a job. I have been working as a XXXX XXXX XXXX XXXX since moving home in XXXX. My payments with Sallie Mae are now due. My mom and I tried to get me into an income driven payment option since I am only making minimum wage. My payment due is just under {$1400.00} per month, this does not include my FAFSA payment I also will have to start paying in the next couple of months. My mom co-signed for my loan because I couldn't get one if she hadn't. We spent, literally, XXXX XXXX continuous hours on the phone with them Monday XX/XX/XXXX because when we called in XXXX, that's what we were instructed to do to get an income driven payment option, just be told Monday, they don't have an income driven option. The best they could do is defer the payment until XX/XX/XXXX, or put me into a " Graduated payment option '' which is still {$980.00} per month and per the Sallie Mae rep " is not a good option, because we will pay so much more in the end. '' They said between our income we " can afford the payment ''. My mom has a household to run, and since she raised my brother, sister and myself XXXX, my " dad '' has never financially supported us, my my mom has her share of credit card payments each month, her own student loans, her parent pluse loans for me and standard bills. This payment is by itself, rent/mortgage. Sallie Mae replied with, the best we can do is defer the payment until XXXX, but come XX/XX/XXXX, " the payment is due ''. They do not care about their customers, or even try to understand how hard some people have it. I of course, will pay my loans, I borrowed them, but I don't know a single person who can afford {$1400.00} a month for ONE bill, I can't and quite honestly am scared to death how we will get these payments made every month. DO NOT ever take out a Sallie Mae loan, they just don't care.
Complaint sub-issue: Reporting company used your report improperly

I sent a few letters to XXXX and also a few letters to the credit reporting agencies, Equifax, XXXX and XXXX because they violate my fcra right even made a complaint againts the company, they don't even answer to the CFPB complaint.
Complaint sub-issue: Account information incorrect

The information being reported is incorrect and should be deleted and or updated : XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXXXXXX now.with no help
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted the credit reporting agency to dispute an account which can back as verified on XX/XX/XXXX. I received a letter directly from the furnisher ( XXXX XXXX XXXX  ) of this information dated XX/XX/XXXX stating they were ceasing collection efforts. On XX/XX/XXXX I challenged the validity of their investigation and even included the letter from the creditor as proof that the account needed to be removed from my file. Instead of removing it, the credit reporting agency still claimed the account was verified by the creditor on XXXX. Clearly they are not actually investigating the accounts because otherwise they would have known that XXXX XXXX XXXX  were no longer collecting on this account.
Complaint sub-issue: Didn't receive enough information to verify debt

Americollect had been calling me repeatedly over the course of several months sometimes more than once a day while I was trying to sort out the {$990.00} dollar debt out with my insurance company without any written notification. 

Finally, I tried to get the debt validated as I have still yet to see an itemized bill from Americollect or the debtor 's XXXX XXXX XXXX. I sent this validation letter over certified mail on XX/XX/22. On XX/XX/22 I received a letter back that stated nothing but thee {$990.00} balance and the debtors, information that I had gone to them with to get validated. On XX/XX/22 I sent a failure to validate letter over certified mail and they replied on XX/XX/22 stating that my dispute was " firvilious and irrelevant ''. It has been years with this outstanding bill and I have still been unable to get it validated by a debt collector that called my off the hook for months on end while I tried to get my medical bills sorted out as a student struggling during the pandemic.
Complaint sub-issue: Their investigation did not fix an error on your report

I previously notified you that my car was broken into and some of my personal identification was taken. I have since noticed that several attempts has been made to purchase things using my information that I did not do. The things listed on this report is fraud and not mine. These inquires listed on the identity theft report is not factual and is actually FRAUD. Please delete this information
Complaint sub-issue: Received bad information about your loan

I have been trying to get a clear answer about old XXXX loans and loan forgiveness for MONTHS. I talked to MOHELA initially, and they told me that I might be eligible, but I'd have to consolidate, but they couldn't tell me for sure, and they couldn't tell me if I'd lose all the time I've been paying ( XXXX years ). So I tried studentaid.gov, but it's unclear on my specific situation. Now, I can't get through to a real person at either MOHELA or Studentaid.gov. The information is conflicting, and I don't know whether I need to consolidate to take advantage of debt relief or not. I think the deadline to consolidate my type of loan might have already passed, or is about to pass, and I STILL don't know whether I should consolidate. I can't figure out whether I will lose all my years of repayment if I consolidate into the types of loans it is offering. After almost 20 years of repayment and still owing more than half, I think I deserve a chance for debt relief. But I don't want to start over on the number of years I've been paying unless it will really help. By my calculations, if I consolidate and I end up not being eligible, then I will pay thousands more than if I just continue on my current path. However, I'm not 100 % sure, because I can't get a report that shows me how much I've already paid, total, in 18 years. The report only goes back to XXXX Further, it looks like the only loan I could consolidate into would more than triple my current payment. I can't pay {$1500.00} a month on the hopes that my loans will be forgiven. So frustrated.
Complaint sub-issue: Debt is not yours

Hello, its been 30 days or more for this fraudulent account reporting and the only response I received was debt verified. I want to know who verified the debt? By law in 30 days or more the debt is suppose to be remove if not verified by the lender. I want to see signatures stating that I got the auto loan.
Complaint sub-issue: Funds not received from closed account

My name is XXXX XXXX. I am a square user and opened a business in my house for mini drinks and retailing known as " XXXX XXXX XXXX XXXX '' I process one payment with square and square needed information about my business. I sent them my ID card and other document but I have not gotten a response and it has been weeks. 

I need square to tell me when I will be able to withdraw my money. 

If they have deactivated my account, they need to tell me when I will be able to withdraw my funds. 

The email address associated with my square account is XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is not following the FCRA concerning consumer accounts. My recent credit reports are still inaccurate. This now requires immediate attention. I am aware the FCRA promotes accuracy and fairness in the files of consumer reporting agencies. I am very concerned as this has made a tremendous negative impact on my credit reports. After speaking with XXXX XXXX and receiving a letter from them which is the collection in dispute, I filed disputes letters including the letter from the collection company to Equifax, XXXX, and XXXX that explains the accounts does not belong to me. XXXX and XXXX have removed XXXX XXXX  from my reports. I had reached out to Equifax XX/XX/2020 explaining these accounts listed from XXXX XXXX does not belong to me and is reporting inaccurate on my credit report. Equifax sends a report stating my dispute has been verified as accurate. I took the liberty of reaching out to the collection agency asking for verification of any sort to verify these accounts ( amount {$200.00}, amount {$89.00}, amount {$120.00}, amount XXXX, and amount {$160.00} ). A representative from that company stated they have no record and was not able to send any documents with my signature or anything that connects me to these accounts. I ask for a letter in writing. ( attached to this complaint ) XX/XX/2020 and the last report XX/XX/XXXX # XXXX from Equifax STILL is stating they have verified the accounts to be accurate. After receiving this last report from Equifax, it is very sad to say, no one is taking the time to truly investigate, but sending falsified automatic letters to justify their investigation. Some of these third-party collections agency are robbing people and scamming people and will not and can not send verifiable documents of any sort when consumers like myself ask for proof. I have asked Equifax through their website ( Myequifax.com ) to send me the paperwork that backs up their opinion and a detailed report that goes over Equifax procedures of their INDEPENDENT INVESTIGATION instead of reporting intentional inaccuracy on a consumer report. I have not received a response. Again, XXXX   and XXXX  have removed XXXX XXXX  from my reports. Equifax is the only bureau that is not abiding by the law. If this is not rectified, I will be moving forward to file a lawsuit against Equifax. I am filing my last complaint with the Consumer Finance Protection Bureau hoping this can be rectified.
Complaint sub-issue: Account status incorrect

My unofficial credit reporting application XXXX  shows that my student loan was listed as delinquent in XXXX on the XXXX. It was immediately thereafter listed current on XX/XX/XXXX. 

I am on an income driven plan and due to issues with the recertification plan, it shows that I missed payments. 

None were actually missed, once all issues were resolved with the loan group, and I would like to see that removed.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, I sent my very first letter to the credit bureaus concerning this account ( XXXX XXXX ). XXXX XXXX is reporting inaccurate information on my report. The past due amount, date of last active, and the date of last payment are all incorrect. I have made an attempt to send a letter every month since and I have not received a response. No verification, validation, or investigation has taken place. This is a violation. I have been patient and given plenty of time to return a response. As of today, XX/XX/2021, I have received nothing.
Complaint sub-issue: Account status incorrect

Bankruptcy filed XX/XX/XXXX and discharged XX/XX/XXXX case XXXX XXXX  in the XXXX   XXXX ohio federal bankruptcy court. One account, Honor Finance has been notified of the filing and discharge but refuses to change the status to closed and XXXX. Multiple attempts to speak with someone results in voicemail. No call backs and no return emails. The bankruptcy was discharged and by bankruptcy law, they are required to change the status correctly. This is now affecting my credit report as they will not show account closed. My account with honor finance is # XXXX. I have disputed each and every Credit agency report. This account was not reaffirmed in the bankruptcy.
Complaint sub-issue: Debt is not yours

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquiry and or Collection Accountwhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at XXXX, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Equifax, XXXX and XXXX XXXX are not responding to any of my numerous requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 I sent a letters to Equifax, XXXX and XXXX disputing an inaccurate late payment that was on my credit report. I asked that the erroneous item be verified and validated. I was informed by each Credit Reporting Agency that they had completed their investigations and none of them were able to verify the information, however the 30 Day late is still showing on all of my credit reports even though they were unable to verify its accuracy.
Complaint sub-issue: Old information reappears or never goes away

XXXX is trying to collect on an old debt that should have been closed one year ago. Business records provided to XXXX by XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for a balance of {$2600.00}. It is now XX/XX/XXXX, exactly 7.5 years into the future. This debt has had no activity but is violating the law by reporting negatively.
Complaint sub-issue: Information belongs to someone else

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. There are also some unknown inquiries that I'd like to have removed as well : XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX.
Complaint sub-issue: Debt is not yours

On XXXX XXXX my house was burned down due to a fire. The firefighters had no control over the fire due to it being on fire for more than 20 minutes. The house was very small in the XXXX XXXX, NC near XXXX XXXX. I reported the disaster to the satellite company which was providing cable services at the time and sent in the fire report, XXXX XXXX report, and the MP report. I was told by the rep. that all was forgiving due to it being a natural/ unintended disaster. I have disputed this for the last 5 years because it is holding me back from buying a home, getting a car, or just applying from credit cards. Every time I dispute they refuse to remove it from my credit report. I.C. SYSTEM, INC has been charging {$280.00} for a situation that was handled in 2014. Please help!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit with the fair Credit Reporting Act XX/XX/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 an account without my written instructions.
Complaint sub-issue: Trouble with how payments are being handled

Every year I recertify my loans for income based repayments. This year, I filled out the form, as usual. The form is the same form that has been online with FedLoan. I submitted it promptly and received a rejection one month later. When I called to find out why, FedLoan said that the form I filled out was no longer the form they were using, despite the date in the top right hand corner stating that the form was valid. They told me to fill out a new form. I did this and submitted it. Again, a month or more later, they sent back a rejection saying that they did n't have my income taxes. I explained that they were already submitted. Six hours and multiple phone calls later, they admitted they did have the income taxes. I told them I was nervous with the processing time as my new payment that was not income based would take effect and that I could not afford to pay it. They told me there was nothing to be done and I would have to forbear if I could n't afford my payments until they processed the request. I explained that was n't fair as I submitted the correct information TWICE and they rejected it. I was forced to forebear for two months. Not only is the interest compounded, but I lost out on two months of loan forgiveness, causing me to have to work in the public sector for two months longer. I called to complain about this. Numerous transfers and promises that someone would call me back, they did not. It has been two months since they promised to call me back about the forbearance. I have made so many phone calls and waited for people to help. It has n't happened.