Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Threatened or suggested your credit would be damaged

I have attached 2 complaints against XXXX XXXX. 

I has disputed XXXX XXXX XXXX XXXX  that appeared on my credit because I did not know who they were. And before I could even get results, the name changed to XXXX. I disputed that item, the company could not be reached and it was sent to the FTC regulator and the item was removed from my credit. Then XXXX sold the debt to XXXX XXXX. The letter informed me that I had 30 days to notify them in writting if I disputed the debt. I immediately called them to inform them of the dispute status of the original account. You can read the attached complaint. The notified me that they would not report and remove the item from my credit files until they completed an investigation and notified me of the results. At the time I filed the complaint they were not showing on my credit file, but then XXXX XXXX appeared. I was suprised as I had not received any notification of the results of investigation. So I filled out a second complaint, you can see the attached complaint. They did not respond, I am waiting for a response and the item is still on my credit. It is a deceptive practice to say they are going to do one thing,  and then take a negative action against me that is contrary to what they said they were going to do. This items needs to be removed from my credit as they violated my rights as a consumer 1. For reporting an item that had already been removed 2. Not responding in a timely manor. 3. Taking a negative action against me after saying they were not going to report the item till they notified me of the results of the investigation. 

I called the company Friday to try to figure out what was going wrong, why they were not responding, they said you trust consumerfinace.gov to transmit information to us. I spoke with three people, I still have no clue as to why this item still appears on my credit history. Every person I spoke with said they were a manager or a boss, when questioning if that is their real position, they get mad. I feel that they are liars, that really do not want to offer resolve. They said it is your address and we they delivered it to your house. They provided me with some images that show someone picked the merchandise up from the ware house and that the items were not delivered to my house, and that the person who picked it up had a different name than me. 

Please remove immediately.
Complaint sub-issue: Information is not mine

This item is wrong and inaccurately reported on my report for a while now under different names, first started with XXXX, then XXXX XXXX and now it 's listed under XXXX. 
I 've contacted Equifax in writing and requested a permanent removal to this item since it does n't belong to me, the mailed me back that the item remains and they did n't include any proof to support their investigation or any proofs pairing signature that the item belongs to me. 
so, I contacted them again in writing requesting from them to provide a solid proof pairing my signature as proof of my ownership to this account, yet the failed to provide anything or documentation pairing my signature and they still stated the item remains on my report. 
XXXX wo n't give me any answers or access to learn about the account since it 's not mine. 
I 'm writing to CFPB today requesting to press a serious action against Equifax for their incompliance and violation of the FCRA, unless they are willfully give a fair investigation to this matter, provide any documentation pairing my signature or solid legal proof to my ownership to this account, and if they are n't able to provide any of the above then they should permanently delete this item off of my report with no reinsertion even if the same debt comes back with different entity collection. 

the collection or debt info is : XXXX/XXXX balance : {$1000.00}
Complaint sub-issue: Account information incorrect

Citi Bank XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX. All of a sudden lowered my credit limit on 2 different cards making the cards almost maxed out which affects other credit cards I have and my XXXX score. 
First card credit limit lowered from {$13000.00} to {$3300.00} card has a balance of {$3200.00} leaving available credit down to {$120.00} which then make my card look maxed out when it was far from being maxed out. With no explanation as to why this was done. 
Second card credit lowered from {$9700.00} to {$2200.00} with a balance of {$2100.00} leaving available credit down to {$84.00} which makes card looked maxed out again with no explanation and affecting XXXX score. Both cards have been receiving payments of more than the minimum amounts due. I feel the is unfair to me and my credit score. I called and all was told cards went under yearly review and credit scores dropped the limit never receive any thing in writing from them about this also.
Complaint sub-issue: Their investigation did not fix an error on your report

Please investigate the following accounts, and have them send me what they have in there database that proves the following accounts are mine. To my knowledge none of these accounts belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU
Complaint sub-issue: Information belongs to someone else

OH MY XXXX GUYS WHY YOU PUT THIS INFORMATION ON MY ACCOUNT? I HAVE NO IDEA WHERE IR COME FROM I NEVER USE ANY OF THESE. IM SURE THAT SOMEONE HACKED MY PERSONAL INFORMATION
Complaint sub-issue: Reporting company used your report improperly

Pursuant to 15 USC 1691a ( e ), " The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. '' Pursuant to 15 USC 1691a ( f ), " The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. '' Pursuant to the federally protected consumer laws listed above, I, XXXX XXXX XXXX, natural person and consumer, is the ORIGINAL CREDITOR for all extensions of credit created against my UNITED STATES trust account.

This is also proven pursuant to 15 USC 1602 ( l ), " The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

Notice congress stated " ANY CARD '' and as such, Nelnet used my social security card, a credit card as defined by congress, to extend my credit to me, the ORIGINAL CREDITOR. This violation is identity theft and fraud.

Pursuant to 15 USC 1681a ( 2 ) ( B ), " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of the credit card or similar device ;, should be excluded from a consumer report '' and as such, Nelnet is in violation of this code as the extension of credit originated from my social security card/credit card is being furnished to all of the consumer reporting agencies. This is also identity theft.

In addition, Pursuant to 15 USC 1681b ( 2 ), " In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT give Nelnet written instructions to furnish my information to anyone. This is also identity theft.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXXXXXX : XXXX -- -> : {$300.00} XXXX XXXX XXXX XXXX XXXX : XXXX -- XXXX : {$3300.00} XXXX XXXX XXXX : XXXX -- XXXX : {$68.00}
Complaint sub-issue: Was not notified of investigation status or results

You mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. You also did not notify anyone quickly enough and admitted that you will not notify everyone. There is also the fact that investors pulled out just before your stocks could plummet.
Complaint sub-issue: Reporting company used your report improperly

The Credit bureaus stated my account was properly investigation but how is that possible if the open date inaccurate, the last active date is inaccurate, the account says open but others say closed. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states i have rights to privacy.

15 U.S.C 1681 section 604 it also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Investigation took more than 30 days

I previously disputed several times XXXX and XXXX XXXX account in XX/XX/2020, its been longer 3 months. The dispute still states under investigation. I have not been validated. The accounts XXXX - XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX  - XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted disputes letters over the past 6 months. I requested for verification and validation of the accounts by providing the contracts they on file. The agencies did responded to my request nor any the remaining of accounts were not deleted
Complaint sub-issue: Account status incorrect

Long story short was a co-signer on a car for my soon to be ex husband ( listed as or on registration ). Nasty divorce. He would stop paying I would have to pay for it any time before it got to the 30 days so as to not affect my credit. Well I finally found the car in XXXX using a private investigator towed it and sold it to a private seller paying the Balance and the check clearing on XX/XX/XXXX the due date. I was ecstatic finally I could stop stressing my credit! Then it showed up on my credit report as XXXX payment being late. I sent a letter to XXXX in early XXXX to dispute it. It was denied. I had them send me the payment records which show that XXXX was made on time. I filed with XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX got denied. Reached out to XXXX chat feature where the XXXX rep actually agreed that XXXX was made on time and had to send it to a manager to escalate the manager XXXX called me. He too agreed that XXXX payment was made on time however he explained ( and their calls are monitored I hope ) that because I had made the payment before it got to 30 days each month that XXXX could never report it as being late because I made the payment but with final payoffs they are allowed to bring the account current ( that didnt make sense to me but whatever ). He went to Looking through the records and said something about a payment in XXXX being late. I said thats fine but can you please update my credit report. Because although my husband hasnt shown up to any court dates he could potentially show up at one and use the credit report as proof that I claim to be so worried about my credit yet the ONE MONTH when I towed the car from him to sell it is the month that was +30 days over. I just want whatever the late month is if there is even one to be shown. He told me my credit report should be showing the correct month and if I felt it was incorrect to email him and he would look. He was very rude. I hope you can listen to the call. I emailed him on XX/XX/XXXX and heard nothing back so emailed on XX/XX/XXXX and still nothing so on XX/XX/XXXX I filed with XXXX  again and they still did not update. So I came to the CFPB and finally XXXX  has removed it from showing as late ( attached is a screenshot of their response ). They must have finally had an actual human look at the documents. As even the payment history being supplied by XXXX shows the account being PAID IN FULL CLOSED in XX/XX/XXXX. 

After XXXX  updated theirs I filed with XXXX  and Equifax both on XX/XX/XXXX thinking it would be a breeze as I could show my payment history and proof that XXXX  had updated it. No such luck, both companies came back and did not make any changes. So just going through the motions again by filing this with XXXX  and Equifax and hopefully they too will have an actual human look at my documents instead of whatever is going on at XXXX.
Complaint sub-issue: Reporting company used your report improperly

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave any written consent to report anything on my consumer reports no consent is fraud.
Complaint sub-issue: Privacy issues

Tracking pixel All emails from this company contain tracking pixels. Also known as web beacons, theses secretive codes are embedded in all service emails and are designed to collect IP address, device and browser details, time, emails forwarded to, their private info etc. Unlike cookies, there is no request for customers ' consent, and prior privacy disclosure is ineffective as per all privacy laws. After years of reports to the customer service, domain registrant, admin, tech and abuse departments, no one bothered to even respond with reasons and optout options. After complaints via public boards, only things I heard are PR statements such as reference to privacy statements and ultimatum about unwillingness to remove secretive trackers.
Complaint sub-issue: Seized or attempted to seize your property

a phone call I received on XX/XX/XXXX. When you indicate you will take my XXXX XXXX XXXX if I park it out front and garnish my pay. 

He knew my name address and telephone number and said I need to pay my bill and he said he had my file and ran off a list of billing and payment from XXXX loans. 

I I indicated, I believe I paid that off and what was the payment amount of payment or last payments and he indicated I got your file and he stated a few {$200.00} payments. 

I was under medication and indicated if I caught thieves trespassing on my trying to steal my property I going to shoot at them and not taking threats and hang up. 
I then called back and ask them to sent me someone by email as he indicated he'll have a settlement amount and I can make payments. 
Defendant needed to verify debt. As I have had ID theft and has had collection attorney executing process of service, that I were not served also have paid bills in collection. 
Further, Plaintiff has not responded to my XX/XX/XXXX request and offer of payment reductions upon the documentation provided ( see attached ) from 1st, 2nd, and 3rd ect., parties. 
Have no verification of account as Its hard to keep safe once they get your information out there, because in today 's ' reality, people/collectors gather information to sell, Steal, Discriminate and Collaborate with third, fourth, fifth, etc. party in violation of numerous State and federal violations FCRA, FDCA, ECOA et., al XXXX 

I got the email and presenting to you in complaint. 

My XXXX XXXX went up to XXXX as I was injured in an accident.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In the last few months I have been checking my consumer reports with XXXX, Equifax and XXXX. In XXXX XXXX  XXXX, I have reviewed my latest consumer report. I am aware that there are unauthorized hard inquires that was placed on my file without my consent. According to many acts such as the GLBA ( Gramm-Leach-Bliley Act ) your agents/representatives are not safeguarding my sensitive data. 
I have spoken to the agents of all bureaus to have these inquires removed from my files within 15 days. An FTC report is included with this complaint. I expect for the following inquiries removed from all 3 credit reporting agencies IMMEDIATELY. I am opting out as of today XX/XX/XXXX for the reporting of the inquiries listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  US DEPTARTMENT OF EDU XX/XX/XXXX XXXX
Complaint sub-issue: Received bad information about your loan

I am a XXXX XXXX XXXX and have been for the last 17 years. In XXXX I was told my employment qualified me for the Public Service Loan Forgiveness ( PSLF ) program as long as I made the " 120 qualifying payments '' on my Direct Loan. Accordingly, I submitted the necessary employment certification and applied for the loan forgiveness. I was informed that the program would only apply to payments dating back to XXXX. ( I 've been paying my student loans since XXXX ). My loan was transferred to FedLoan Servicing and I continued to make my monthly loan payments. I called last year to in XXXX to check on the status of the program, but was informed that my loan " type '' did not qualify for the loan forgiveness. This was the first I 'd heard of this, but learned that I had to be in a " income driven '' repayment plan to qualify for the PSLF. This was never mentioned in the materials I initially received. Nonetheless, I requested that FedLoan transfer my loan to the type of program that would qualify for forgiveness. Last month my loan was transferred into an income driven plan. To my shock and surprise, when I called to check on the status of my PSLF I was told that my loan would not be forgiven since it had not been in the " right '' plan for 120 payments. Moreover, I was also shocked to learn that my monthly payments had been increased from {$800.00} per month to {$2000.00} per month! I believe that FedLoan is engaging in fraud and deceptive practices. I was tricked into applying for a loan forgiveness program and my monthly payments have more than doubled.
Complaint sub-issue: Information belongs to someone else

NOTICE!!! As a federally Protected consumer/natural person I DEMAND these accounts be removed! The information listed, which appears on my credit file, does not relate to any transaction ( s ) that I have made. You/reporting agency are in violation pursuant to 15 u.s. code 1692d ( 1 ), 15 u.s. code 1692j ( a ), 15 u.s. code 1692e ( 1 ) ( 2a ) ( 3 ) ,15 u.s. code 1692c ( a ) for helping to facilitate entities/companies to commit fraud. You/reporting agency are also in violation pursuant to 15 u.s. code 1681r for sharing/communicating my private consumer/natural person file to other unknown entities without my consent. If this is not resolved Within 30days of receiving the FTC Affidavit I will take lawful action ordering judgment against you and the Debt collector under 15 u.s. code 1692k for damages. THE XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$580.00}, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX
Complaint sub-issue: Account information incorrect

On XX/XX/2021 a final payment for {$8600.00} was sent to the XXXX XXXX XXXX, to date the account has not been reported as paid in full. I have repeatedly asked for the title to date no title. I have made several disputes on my credit report and the account to date remains open. This account was paid in full on XX/XX/2021 it is now XX/XX/2021 and there is no update on my account.
Complaint sub-issue: Debt is not yours

To whom it may concern : Enhanced Recovery Company is reporting an " alleged account '' with a balance of {$170.00}. 

This account was never validated and is in violation of the FDCPA and of my Constitutional Rights. Please delete asap. 


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

On XX/XX/2021 XXXX added a derogatory mark on my credit report for {$3400.00} per XXXX XXXX and XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection in the XXXX days it was suppose to take. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say its mine .According to the FCRA 623, XXXX has violated my rights and I'm requesting legal action to remove this account immediately. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Complaint sub-issue: Information is incorrect

Credit report contains eviction notices from XXXX, XXXX, XXXX, XXXX that need to be removed.
Complaint sub-issue: Information belongs to someone else

Someone used my information without my authorization to get a house or apartment and now they are coming after me and tarnishing my credit report. They contacted me from XXXX XXXX XXXX saying I owe {$3400.00} this is outrageous please help!
Complaint sub-issue: Trouble with how payments are being handled

I am an XXXX XXXX on XXXX XXXX. I have student loans serviced through XXXX. I enrolled in the Public Servant Loan Forgiveness ( PLSF ) Program. Per the program guidelines, I pay monthly payments, the amount is determined by my income and family size. I submit income, family information as well as employment certification forms annually to remain in the program. After 10 years of monthly qualifying payments, the remainder of debt is forgiven. I submitted the required paperwork on XX/XX/2018 while I was forward XXXX in XXXX. To date, XXXX has yet to give me credit for the monthly payments I made. Next month, I will submit my documentation again as required my the PLSF stipulations. I have contacted XXXX numerous times about the delayed processing of my employer certification and a corresponding lack of credit toward my loan forgiveness. Every time I contact them they say it can take 6 months or longer, yet it has been over 11 months since I submitted the paperwork. I am going to submit my next set documentation for the PLSF program next month. I am concerned with the backlog of credit given for qualifying monthly payments to my account since they have yet to process my payments for this year 's monthly payments. Given their lackluster customer service, I have no faith in their ability to conduct multiple reviews of my status without making a mistake that will result in delayed loan forgiveness.

Thank you in advance for your time and consideration on my behalf.

Very Respectfully, XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Reporting company used your report improperly

I, XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report. No consent is Identity theft. A copy of the law is attached with this dispute letter.
Complaint sub-issue: Information belongs to someone else

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX