Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with personal statement of dispute

i am responding to this on a different complaint again but same issue. 

From previously closed complain : Company 's Response American Education Services " The Office of Consumer Advocacy ( OCA ) at Pennsylvania Higher Education Assistance Agency ( PHEAA ) received your correspondence through the Consumer Financial Protection Bureau ( CFPB ) portal regarding your student loan which was previously serviced by American Education Services ( AES ). The OCA performed a review of your XXXX XXXX XXXX ( XXXX ) held by the National Collegiate Student Loan Trust ( NCT ). Specifically, we reviewed the loans financial activity and credit reporting. In your inquiry, you expressed concerns about the unfavorable credit reporting that occurred on the loan. Because the loan had been current prior to the cosigners bankruptcy filing, you requested for the charge-off to be removed from your credit report. As you may already know, the cosigner on the loan filed for bankruptcy on XX/XX/XXXX. As a result, the XXXX defaulted in accordance with the terms of the Credit Agreement. At the direction of NCT, the loan transferred from AES servicing system to NCTs collection manager, XXXX XXXX XXXX XXXX ( XXXX ), effective XX/XX/XXXX. This information was submitted to the consumer reporting agencies. AES received and investigated your credit reporting complaint. AES investigation included the review of all relevant account history and documentation, including any information you provided. Based on this review, AES determined the information reported is accurate. Therefore, no adjustments will be made to the credit report. No further action is planned by the Office of Consumer Advocacy at this time. If you require any information on the status of the loan after its default, please call the collection manager, XXXX, directly at XXXX ( telephone number ). For additional questions regarding your loan prior to its default, please feel free to contact AES directly at XXXX. Loan representatives are available Monday through Friday from 7:30 a.m. to 9:00 p.m., ET. '' Ill be short and to the point. This account is a charge off supposedly NCTXXXX owns it and XXXX is currently in possession of my account. Id like to be provied proof and documents that XXXX actually owns this debt and that i even owe them. Provide the transfer paperwork and verify this debt showing the transition from XXXX XXXX XXXXXXXX and when it was a XXXX loan back in XXXX. If this account cant be verified and proven that NCT legally owns this please remove and delete from all 3 credit bureaus. 
Its been over 4 years since it was charged off and there is no other collections or accounts after AES charged it off. I believe this is an unverified debt and is noncollectable. As you can see i was current since NCT/AES has advised to Default and practice unfair practices I will be expecting proof of ownership and legal right to collect and if this cant be resolved here i will resort to legal action.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a complaint with CFPB ( Case # XXXX and XXXX ) and received a response from XXXX ( XXXX ) via CFPB on XXXX.Because i disagreed with erroneous response, I decided to call them ( XXXX ) on XX/XX/XXXX at XXXX XXXX and spoke with XXXX.I explained to XXXX that i wasnt allowed to opt out on new terms when XXXX transferred over to XXXX XXXX XXXX card, and according to CFPB on new terms, i have the right to opt out.XXXX  said we sent all paperwork on new terms via email, since i opted out of mail sent to home.While i was on the phone, I told her let me look up my past emails on my computer as we where talking on the phone.After looking for emails, I stated to XXXX, I looked back to XXXX and there is no emails with new terms or anything regarding the new XXXX XXXX XXXX  card.I also stated to XXXX, all i see is is XXXX XXXX XXXX adds.Then XXXX said XXXX ok, we sent the new terms and all paper work with new XXXX XXXX XXXX card.I told XXXX, i did not receive any paperwork with the new card and all i received was the new card.XXXX then said you activated the card! .I told XXXX, I never activated the XXXX XXXX XXXX card cause i didnt want the credit card.I told XXXX to check her records.Then XXXX said, my card was closed for innactivity.I told XXXX, that all  complaint responses from XXXX, XXXX  , equifax , XXXX does not say anything about inactivity.Then XXXX said " we can close your account for any reason at anytime '' .I told XXXX, your back pedaling cause my account was closed for erroneous reasons.XXXX  said, CFPB does not control XXXX XXXX  buisness practices and CFPB is wrong if they say I have the right to opt out if there are new terms.Then XXXX said your card was inactive for 25 months and we reduced your credit when you had XXXX for that reason without me knowing.I told XXXX, something stinks , something is wrong and what XXXX is doing is very wrong.XXXX  stated, we cant help you and parted ways on the phone.Therefore, XXXX closed my account without me knowing during the corona virus pandemic and didnt give me the option to opt out/in on new terms.CFPB states I have the right to opt out/in on new terms.XXXX buisness decision as stated in there response letter, says I dont have a opt out option is violating credit laws and is wrong.And XXXX at XXXX is feeding me a bunch of false information.Because of there actions, this account is closed and this dropped my credit score.
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when reviewing my credit report and found a 60 day late payment reported for XX/XX/2021. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Complaint sub-issue: Don't agree with the fees charged

I have called over several months, and submitted a request more than a month ago now to formally have my student loan interest ammount looked into. I am on an in income based repayment plan and only have subsidized loans. The monthly payment amount I was told to make was detremined to be {$0.00} as I did not have a job. This means that the government ( because I have subsidized loans ) should be paying 100 % of my student loan interest, yet they are only covering approximatley 50 % and I have accrued nearly {$250.00} worth of outstanding interest. Again, my interest on this plan should be paid by the government as I have not ever received the governmetn interest susbidy for more than a year before ( i know that if you have received it for 3 years then the subsidy drops down to 50 % -- - that is not my situation. ) I was on a similar repayment plan for a year in 2015 and had VERY similar issues ( though at that time they failed to pay any of my interest at all that they were supposed to ). This took nearly a year and a half to resolve and I had to pay out of pocket and cover those illegitimate interest fees ( after the one year mark when I started to make regularly monthly payments ) at the time to ensure that my credit wasn't ruined. I would not be surprised if this were a regular tactic of MyfedLoan to get more money out of people and prey on their confusion regarding student loan payments.
Complaint sub-issue: Problem with personal statement of dispute

On XX/XX/XXXX, Equifax reported XXXX XXXX XXXX date of first delinquency was XX/XX/XXXX. XXXX  reported on XX/XX/XXXX that XXXX XXXX XXXX will continue on record until XX/XX/XXXX. Then, on XX/XX/XXXX, XXXX shows XXXX  reported XXXX XXXX XXXX will continue on record until XX/XX/XXXX. This is the inaccuracies I've been disputing for a couple of years. There has not been any changes. I've even sent a copy of XXXX  deletion of XXXX XXXX XXXX. Equifax still verified everything reported was correct.
Complaint sub-issue: Problem during payment process

Bill payment in amount of XXXX made on my XXXX XXXX account on XXXX. Current balance as of today, XXXX, shows XXXX. However, the payment does not show posted yet no payment due, credit available is- XXXX I've tried to locate payment, unable to do so as well as live rep spoke with today.
Complaint sub-issue: Frequent or repeated calls

My loan was transferred to SST I never had any idea it did they would agree to terms then call back and leave messages. I eventually got tired because they would call and call and call. I called them back and advised that I would like to settle but when you try to settle the account with them no one that works for them knows about the letter they sent so you are back and forth again with calls all day long from them. I receive more than 5 calls per day at all hours from this company
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I reached out to XXXX, Equifax, and XXXX  and explained to them that I did not authorize my credit to be ran by these companies and wanted the information deleted off my credit report. I was spoken to rudely.The issue was never fully resolved. The inquiries were removed at one point and were eventually placed back on my report and I was never notified the inquiries were placed back on my report. According to the FCBA that is against the law. I am requesting that XXXX, Equifax, and XXXX to remove all inquiries pertaining to auto loans due to not being notified. The inquiries are as follows : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX AND MONEY LION FAILED TO REMOVE ALL INNACURATE INFORMATION FROM MY CREDIT REPORT. MONEY LION IS STILL REPORTING FALSE AND FRAUDULENT INFORMATION AND XXXX IS ALLOWING IT. DESPITE ALL PROOF PROVIDED THEY ARE NOT PERFORMING A COMPLETE INDEPENDENT INVESTIGATION AS THEY ARE REQUIRED BY LAW. I DEMAND A REMOVAL OF THE MONEY LION ACCOUNT AS THE COMPANY KEEPS REPORTING THIS ACCOUNT ON MY CREDIT FRAUDULENTLY AND XXXX  IS ALLOWING THIS FRAUDULENT REPORTING TO CONTINUE. The FCRA requires a credit reporting agency to go beyond its original sources of credit information when reinvestigating inaccuracies in a credit report after the consumer informs the agency of those inaccuracies. Based on that, a generic, electronic investigation is not satisfactory when looking at my case specifically. ALSO STOP REPORTING 4 AND 5 CHARGE OFFS WHEN THE ACCOUNT CAN ONLY BE CHARGED OFF ONE TIME!!!! REMOVE ALL INNACURATE INFORMATION FROM MY CREDIT REPORT
Complaint sub-issue: Account terms

Per attached letters from XXXX my account was only XXXX time XXXX late and XXXX XXXX was open from XXXX to XXXX. Per the attached credit report neither of these accounts are reporting as their letters state.
Complaint sub-issue: Debt is not yours

This complaint submission is in regards to a false credit report by EOS - CCA ( XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a Supervisor by the name of XXXX XXXX, who upon requesting information regarding the account, he then provided me the fax number so I could forward them a Debt Of Validation letter. This Debt Of Validation letter which was sent on XX/XX/2020, was confirmed through my fax machine that the Supervisor had received the files. At this point it is now XX/XX/2020, and after 30 days of notifying them, neither my Attorney or I have received any response, nor correspondents. 
I specifically asked for proof of the allege debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them the total of {$2100.00}. EOS-CCA are falsely reporting a debt to the three major Credit Bureaus and never sent me any initial notification. They even marked the account as pass due with several missed payments for something I was never even aware I allegedly owned. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting EOS - CCA ( XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ) to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX, & XXXX  ) on this action. They have failed to follow the guidelines which was all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, EOS-CCA are violating my rights and are also causing financial hardship with this debt being reported. We are currently in the time of a Global Pandemic with the COVID-19 virus, and access to funds are crucial for survival. This false report by EOS-CCA has prevented me from gaining access to any lenders due to Derogatory Marks on my Credit Report. At this point EOS-CCA have failed to provide any competent evidence or any legal obligation and they are currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the 3 major Credit Bureaus, I will be taking legal actions.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 about XXXX eastern time i called XXXX  , Equifax and XXXX to kindly remove these account that arent mines and incorrect that are on credit report which is affecting my credit score but they were being rude, had me on wait for about 15mins and they just wouldn't comply.
Complaint sub-issue: Other problem getting your report or credit score

I have tried contacting Equifax many times prior to submitting this complaint just trying to access my credit report online. Upon calling them they asked me security questions which I answered all correctly but then was told that I had to verify myself once again through XXXX  which I obediently did. For whatever reasons, they claim to have not been able to verify me and I was told to send in a copy of my social and ID to XXXX XXXX. I have already done so two weeks ago and still have not received a reply from them nor have I been able to access my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Please remove all hard inquiries off my Equifax credit report, I do not recognize these inquiries and I want them removed, j will continue to file complaints until these are removed, I am disputing these as fraud, please remove all hard inquiries on my report
Complaint sub-issue: Information belongs to someone else

i have been trying to dispute this account with XXXX for a couple of months now, i tried to get information from XXXX  but they couldnt provide me with anything and the company calling me isnt the original creditor and couldnt provide me with any information on this account. I called the CRAs and they were unable to help me everyone is giving me the run around. i have no relationship with XXXX and never agreed to this alleged debt. this account with XXXX is a result of fraud please cease any attempt to collect this debt and please remove it from my credit report it is causing me extreme stress when they call me about an alleged debt that i did not agree to pay. please remove me from any call systems and please stop all attempts to collect on this fraudulent account.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was 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 Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

Under the new law effective XXXX XXXX, 2017 public records data must include Ssn or dob in order for it to appear in your credit file the credit bureau has not updated the information and per the new law bankruptcy listed does not include this information and should be deleted from my credit report
Complaint sub-issue: Problem during payment process

Promotional Payments are not being allocated accurately. I have to call Customer Service to pay the outstanding balance first or allocate a payment to the correct promotional balance. The customer service representative indicated this is an ongoing issue that has no solution.
Complaint sub-issue: Debt was paid

Rausch Strum LLP is the debt collector for XXXX XXXX XXXX. 
Statement says as of XX/XX/2014 i owed {$2500.00} Between then and today i was charged {$1300.00} i paid and was credited {$3100.00} and now saying i Owe {$780.00} Oklahoma state law for statute of limitations on any debt is 5 years this account is 7yrs and almost 9 months old coming on 8yrs. I would like this debt collection removed from my credit report and to not be contacted further.
Complaint sub-issue: Public record information inaccurate

The credit bureaus are incorrectly reporting a Chapter XXXX Bankruptcy on my credit file. I have sent several request to have this account removed from my credit file and it keeps coming back as verified. I have never filed for bankruptcy so I am unsure where they have gotten this info from. I have checked with the supposed court house they got this info from and they have stated they do not provide information to 3rd parties regarding accounts. So they do not have documented proof to even report this fraudulent account on my file.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX XXXX, upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$180.00} XXXX XXXX Balance : {$7500.00}
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I filed a police report with XXXX Police Department on XX/XX/XXXX. I sent in a request with Certified mail to Equifax ( as per USPS tracking, it was delivered on XX/XX/XXXX ) requesting that XXXX  block the fraudulent information within 4 business days according to FCRA 605B. I have included with my request the following documents : - Copy of Police Report - Copy of Drivers License - Copy of Utility Bill ( Proof of Address ) - A detailed list of the fraudulent information As of today, XX/XX/XXXX, Equifax failed to block the information from appearing on my credit file. 

The following account is a fraudulent account : - XXXX XXXX XXXX XXXX ( established in XXXX )
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing erroneous Information on my credit report since XX/XX/2022. I have been waiting for their response but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting this information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXXXXXX Balance Owed : {$24.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I received a Correspondence that my personal information was compromised in the XXXX internal data breach. After being notified I reviewed my reports and learned that an account reporting as XXXX XXXX XXXX XXXX that I have no knowledge of is reporting on my credit report, On XXXX XXXX, I forwarded a certified letter to XXXX, and Equifax asking that they verify this account and send me their investigation results or Delete this account which I am requesting, the aforementioned credit agencies has failed to do so, they only comment on my credit file that the account was verified, without and supporting documentation or responded to my dispute. I am initiating this compliant against XXXX and Equifax and moving forward with letastl options if this account is not investigated immeditately and deleted.
Complaint sub-issue: Problem during payment process

They also closed my account without me knowing back in XXXX of 2019 even though I was up to date on my payments. My bill in XXXX of 2019 of {$35.00} dollars did not go through when it was on auto bill. I reached out to the company they said they saw the payment tried to come out but it was rejected. I was never notified that it was rejected. I now cant apartment and the company will not help me with the unfair situation
Complaint sub-issue: Public record information inaccurate

In accordance with the Fair Credit Reporting act US Bankruptcy Court # 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

I have some fraudulent accounts on my credit report. Please see attachment
Complaint sub-issue: Problem lowering your monthly payments

PLEASE READ IN ENTIRETY I previously filed a complaint for this company but they didnt read my complaint as they referenced the WRONG account. This is NOT about my one XXXX account!!! This is for TWO loans not one. Please see loans : Sallie Mae Smart Option Student Loan - XXXX ( $ XXXXmonth ) and Sallie Mae Smart Option Student Loan - XXXX ( $ XXXX/month ) NOT my XXXX  loan. The Sallie Mae loans total $ XXXX/month. I can only afford to pay {$75.00} for payment of BOTH loans each month or {$37.00} for each loan every month. I am not inquiring about my XXXX loan just my two Sallie Mae loans.
Complaint sub-issue: Debt was result of identity theft

I checked my credit report and I noticed that I had some fraudulent and inaccurate accounts on my credit report I reached out to the credit reporting agency to correct the information but they did not.