Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble with how payments are being handled

I received American Education Services private loan information from my credit union back in XX/XX/XXXX. This entire time I believed American Education Services was my loan originator. I sent them a letter in XX/XX/XXXX to settle the current debt owed which is {$24000.00}. I have two separate loans that are on one account and I make one payment of {$270.00} each month. My offer was to settle the balance with a one time payment of {$18000.00} and for it to be charged off the account and set as paid in full with no penalty. I called American Education Services later in the month to see if they'd received the letter and they said yes. I asked when would a decision be made. The representative did not have answer because it was sent to the loan originator. I was told that XXXX was the loan originator. I asked the representative what XXXX stood for and she could not tell me. She also mentioned that I am on a variable month to month interest rate. This month ( XX/XX/XXXX ) my rates are 7.61 % and 7.36 I XXXX XXXX   and found it is XXXX XXXX XXXX. I tried to locate contact information for the company and could not. I called American Education Services one week later to obtain XXXX 's contact information and was informed that I was not allowed to have the loan originators information. I am requesting assistance with settling my debt through this loan originator. I have been paying on this loan since XX/XX/XXXX. Thanks in advance for your advice and assistance.
Complaint sub-issue: Debt is not yours

XXXX did not provide adequate verification for debt question. no documents were provided showing a contract or signature
Complaint sub-issue: Privacy issues

My US Bank Visa card was cancelled. The company stated it was because a merchant had been hacked, and that my personal information may have been compromised. I was sent a replacement card, but the company refuses to tell me who the merchant was or what personal information was compromised. I have requested this information twice over the phone. The company promised to address my concerns in a letter, by XX/XX/XXXX. No letter was received. 

I would like information on the security breach, including the merchant 's name and what personal information has been compromised. I believe this information could potentially help me avoid future breaches.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( OriginalCreditor : XXXXXXXX XXXX XXXXXXXX ) XXXX
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I disputed these fraudulent accounts multiple times and they are still being furnished on my credit report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 

I have never authorized or have express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you have no permission purpose without my consent pursuant to 15 USC 1681.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX  XXXX, Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX CREDITOR INQUIRIES 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, 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: Information belongs to someone else

I am a victim of identity theft the information detailed in my credit report does not relate to any transaction that I have personally made. I believe my information was compromised in 2011 during the XXXX XXXX XXXX data breach. Since I was notified of the compromise I have received several spam phone calls where the person already has my personal information regarding an account that I do not have. In the beginning of this year I review my credit and noticed several fraudulent accounts there as well.
Complaint sub-issue: Indicated you were committing crime by not paying debt

I have already filed a previous complaint for this company to stop calling me or my family or my job. They are refusing to STOP. The are constantly calling and using abusive language to threaten me to pay this debt that I do not owe them. I have already mailed them a request for verification of the debt and they refuse to send me a copy of the balance or payment history, what the debt was and where it was from, instead they insist on calling and calling and calling. They are calling my family and my work giving false statements and representations that I am being sued and that my wages will be garnished.
Complaint sub-issue: Personal information incorrect

I have never lived at any of the addresses that are reporting onto my consumer reports please remove them immediately : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX XXXX XXXX 
XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA
Complaint sub-issue: Account status incorrect

XXXX is reporting incorrect information on my credit report. Several attempts via phone and US mail informing XXXX of these errors were attempted without success. The following accounts are being reported derogatory and needs to be corrected to current/paid or needs to be removed due to being closed over 7 years ago. 1. XXXX XXXX XXXX/ acct # XXXX is showing being derogatory. This account is closed and was never late. XXXX XXXX attempted to send several correspondences to correct wrongful information on XXXX reporting. 2. XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account has been closed over 10 years ago and was never late. 3.XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late.
4. XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late. 5. XXXX XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account was never late. Please correct this information as soon as possible.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax has failed to act after they have received information form me and they basically forced me into starting a subscription so that I could get my credit report updated.
Complaint sub-issue: Reporting company used your report improperly

Re : Complaint filed against XXXX XXXX XXXX on XX/XX/XXXX CFPB Complaint ID : XXXX XXXX XXXX XXXX ID XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Original Acct XXXX # : XXXX As it pertains to my CFPB complaint filed on XX/XX/XXXX with a Debt Validation letter to XXXX XXXX XXXX they are in violation of the law by not responding to the Debt Validation within a 30 day period pursuant to 15 U.S. Code 1681i - PROCEDURE IN CASE OF DISPUTED ACCURACY. As a result of this violation consumer reporting agencies must abide by the law and promptly DELETE this unverified and negative item from my credit file. SEE LAW ATTACHED and below.

15 U.S. Code 1681- Procedure in Case of Disputed Accuracy ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( 5 ), before the end of 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( AGENCY is the CFPB in this matter ) ( 5 ) Treatment of inaccurate or unverifiable information - SEE LAW ATTACHED and below ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or CAN NOT BE VERIFIED, the consumer reporting agency shall ( i ) promptly DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


NOTE : XXXX. The CFPB sent a notice to XXXX XXXX XXXX on XX/XX/XXXX that their response time is Past Due - SEE ATTACHED On XX/XX/XXXX I called XXXX XXXX XXXX to inform them this is not my debt and asked them to respond in writing to my complaint through the CFPB, they asked for my email address, rushed me off the phone and sent a settlement offer for a debt that isn't mine - SEE ATTACHED.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate and is being filed by myself, XXXX XXXX XXXX, Iam filing this complaint because my mortgage loan was not approved by the bank because of this account opened in my name due to identity theft. I did not open this fraudulent credit card account opened by by a person with the name XXXX with Discover Bank. This was already investigated by the XXXX Police Department back in XXXX it was concluded that this account was not opened by me at that XXXX XXXX stole my identity. This account is still showing active on my XXXX credit report which automatically denied my mortgage application. I am not responsible for this account because it was opened fraudulently and this account needs to be removed from my credit report.
Complaint sub-issue: Called before 8am or after 9pm

Calls persisted. Calls also continued to my place of employment. No action was taken by the company to correct the situation.
Complaint sub-issue: Don't agree with the fees charged

My loan servicer : XXXX XXXX XXXX is denying my rights under the Servicememeber Civil Relief Act. They refuse to decrease the percentage of my loan to 6 %
Complaint sub-issue: Their investigation did not fix an error on your report

Filed Credit Disputes to all 3 credit bureaus disputing XXXX XXXX XXXX debt to no avail. Called XXXX throughout the years ( more than 10 years ) trying to get them to get records from XXXX to verify the debt. They continued to advise the debt is valid. Called XXXX and they stated they have no control over XXXX reporting system. 

XXXX is reporting an inaccurate balance of more than XXXX in oppose to less than {$50000.00} from XXXX. 

XXXX is reporting multiple loans on same date which is inaccurate ; never received ; they are also reporting wrong amounts.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Investigation took more than 30 days

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 I mailed you a letter disputing Bankruptcy information contained in consumer reports compiled, maintained, and published by you, allegedly concerning the following As per U.S.P.S. records, you received my dispute letter on XX/XX/2022 ( Equifax ), XX/XX/2022 ( XXXX ), and XX/XX/2022 ( XXXX ). Accordingly, as per the FCRA, you were required to conduct a reasonable investigation and delete the disputed information as I requested before the end of the 30-day period on the date on which you received my dispute letter. Here, you received my dispute letter on XX/XX/2022 ( Equifax ), XX/XX/2022 ( XXXX ), and XX/XX/2022 ( XXXX ) ; therefore your response was due on or by XXXXnote 30 days+. Instead of sending me a response letter with the results of your investigation of the disputed information, you mailed me a letter dated XX/XX/2022 ( XXXX ), XX/XX/2022 ( XXXX ), XX/XX/2022 ( Equifax ) claiming you verified the information as accurate. 

Clearly, you have willfully failed to delete the disputed information as I have requested. Instead of deleting the disputed information you willfully failed to conduct a reasonable investigation of my dispute because you verified the information as accurate. However, your excuse or assumption is not a valid reason under the FCRA to not reinvestigate my dispute. Note, that you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of the information contained in my consumer file as per the FCRA. Your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX 

As a result of your conduct as described above, you shall promptly delete the disputed information. Be advised, that this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such an investigation has expired and shall not be extended by law. Within 10 days delete the disputed information as requested. XXXX XXXX has removed this item from my report due to unverifiable and I demand it be removed from my credit file permanently. 

Remove any bankruptcy from my credit report immediately and any accounts that are associated or listed as including : Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # : XXXX Account Name : Bankruptcy Account # XXXX Account Name : Bankruptcy Account # XXXX
Complaint sub-issue: Information belongs to someone else

I received an alert that a new account showed up on my credit report for a loan that I have never applied for and don't want this on my credit report or want it to lower my credit scores being I never have applied for a loan with Moneylion Inc .
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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
Complaint sub-issue: Information belongs to someone else

XXXX is reporting a fraudulent account and charges on my report cause a profound effect to my credit score thru no fault of my own. 

I'm including a FTC report along with a bank statement and my XXXX ID to provide my identity.
Complaint sub-issue: Problem with fees

Citicards charged me late fees and penalties for not paying my account on time for the month of XX/XX/2020. I advised them that my partner died in XXXX and he was hospitalized on XX/XX/2020 and due to the XX/XX/XXXX I could not visit. I was on the phone with him, his doctors, nurses, aides, insurance companies, etc. to care for him and meet his needs. He was in XXXX for 5 days and not expected to live. Unfortunately I do not receive paper statements only emails, and I can not recall seeing an email from Citi, but under the circumstances when I spoke to the rep and told her the situation I was sure as a valued customer for many years they would not continue to bill me for fees and penalties, but they did. I paid the bill minus the fees and stopped the card. They insisted there were additional charges. I paid the charges but the fees and penalties just kept increasing. I wrote letters, called, sent emails and no one was interested. I have another Citi card for many years and I'm pretty sure they will not issue another card to me, even though I have always paid the card in full. My good credit is gone because Citi ruined my credit. I just had to pay utility companies {$50.00} because I have bad credit. I have been treated like a credit risk because of Citi 's inability to understand when a death occurs to someone very close, your thought processes can suffer. Where was their customer service? My partner was also on the card and they destroyed his credit, not even remembering that he had passed away.
Complaint sub-issue: Information belongs to someone else

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Complaint sub-issue: Account information incorrect

On XX/XX/2019 I emailed XXXX  XXXX XXXX regarding two accounts reporting incorrectly on my credit reports ( XXXX, Equifax, XXXX ). I informed them there were inconsistencies between the three bureaus and asked for these accounts to be removed from my credit report. In the email ( screenshots attached ) I addressed myself under my legal name, XXXX XXXX. On XX/XX/2019 XXXX XXXX XXXX  responded with 3 letters per account which did not address my concerns with the inaccurateinvalid information reporting on my credit reports. In addition to not addressing my concerns, the company referred to me under an incorrect name. Despite me giving them the name XXXX XXXX in my request they addressed the letter to a XXXX XXXX. This additional inaccuracy is proof this debt needs to be removed from my credit reports.
Complaint sub-issue: Received bad information about your loan

This is the second complaint that I have filed against American Education Services, previous file number is XXXX AES responded to my complaint after they had reviewed my files. In the reponse they stated that a letter was uploaded with the details and there is no letter on file and or I have not received any correspondence via mail. AES had also stated that I had contacted them in XX/XX/XXXX to request a forebearance, which I did not because I was not made aware that XXXX XXXX was now servicing my loan as I thought it was being serviced by XXXX XXXX XXXX, the company that I thought I had consolidated with. I was not made aware of the " fraudulent '' activity until XXXX XXXX XXXX. Per AES 's instructions, I have attempted numerous to access my acccount online with my social security number and I get error messages and or there is n't an account. AES also stated that they supplied the account number in the response to the first complaint, which they did not. AES also stated that my loan was consolidated in 2014 with XXXX XXXX, my credit report states that it was transfered. That was when I consolidated with the XXXX XXXX XXXX XXXX and I was not notified by either AES for XXXX XXXX that my loans were transferred. I am currently working with the Attorney General 's Office in trying to sort all of this out, as the consumer federal portection bureau was not able to contact me in regards to the fraudulent activity by XXXX. It would be helpful if there is a contact person at XXXX XXXX that I could speak to in an attempt to get access to my account. I have attached the documents in reference to XXXX and the suit that was filed by CFPB. I am requesting a good will adjustment to my credit files as I am trying to rebuild.
Complaint sub-issue: Old information reappears or never goes away

I should only have 3 credit inquiries and 2 of the credit scores shows more. Which i didnt not authorized
Complaint sub-issue: Their investigation did not fix an error on your report

Re : Inquiries Confirmation # XXXX The FCRA states that the only permissible purpose for pulling someones credit report is A ) firm offer of credit B ) insurance C ) a court order D ) employment I did not authorize and do not fit A, B, C, or D above. 

XXXX XXXX XXXX XXXX XXXX NC - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - inquiry date XX/XX/XXXX XXXX XXXXXXXX inquiry date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX - inquiry date XX/XX/XXXX Equifax comes back next day with a response of inquiries are factual record of file access and will remain I filed a claim with FTC which I have uploaded.
Complaint sub-issue: Debt was paid

I received a debt collection letter from PAID IN FULL located in XXXX, AZ. I disputed the debt. I provided a copy of the receipt from the dealership. They responded very quickly and stated my receipt wasnt enough and they need a copy of the check. This was a debt from 2015 and my bank doesnt have a copy of the check because its over 2 years old. They refused to remove this settled debt from my credit report. I dont know what else Im supposed to do.
Complaint sub-issue: Investigation took more than 30 days

RE : COMPLAINT ID XXXX Equifax has reopened the referenced dispute with the date of XX/XX/2020! 

Equifax has acknowledged to have my dispute as of XX/XX/2020. Their time is up! They have now 30 days! What they are attempting to do is against the law. 

This was the purpose of my initial complaint for this illegal practice NOT to happen. 

According to the Fair Credit Reporting Act The credit bureau has 30 days to look into your dispute, based on the information you provide to it. The credit reporting agency must also notify the furnisher of the information, such as a bank or credit card issuer, within five days of receiving your dispute and provide the furnisher with the same evidence that you gave when you flagged the error. 

The data furnisher must then investigate your dispute and verify whether the information it gave to the credit bureau is correct. If its not verified within 30 days, then the credit bureau has to remove [ the disputed error ] from the credit report.