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

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX XXXX {$100.00} XXXX  XXXX XXXX {$610.00} XXXX   XXXX {$1900.00} XXXX XXXX  XXXX {$670.00} XXXX  XXXX {$460.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX {$460.00} XXXX   XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1800.00} XXXX  XXXX {$670.00} XXXX XXXX XXXX {$1200.00} XXXX  XXXX XXXX {$670.00} XXXX XXXX {$320.00} XXXX  XXXX XXXX {$430.00} XXXX  XXXX  XXXX {$36000.00} XXXX XXXX XXXX XXXX {$230.00}
Complaint sub-issue: Public record

On XX/XX/XXXX, I reported the unethical manner in which a law firm/collection agency obtained a judgment for their client. The reference number for this case is XXXX, ( still under investigation as of today 's date ) within this complaint I detailed how this process will greatly harm me and my family. Well just like I proposed in my complaint -- the three reporting credit agency included this information on my credit reports as of XX/XX/XXXX, my credit score has decrease 35 points. I am requesting again that this agency intervened in this process, upon reviewing my previous submitted complaint you will find that I reference my concerns as it pertains to my credit report and how this information will affect my credit score.
Complaint sub-issue: Received bad information about my loan

On XXXX/XXXX/15 I issued a request through a Nelnet customer service representative to change my payment due date from XXXX/XXXX/15 to XXXX/XXXX/15 and explicitly confirmed that it would be in XXXX and not XXXX. Yet my next payment is due XXXX/XXXX/15. This is the second such occurrence where I issued explicit instructions, the student loan servicer representative confirmed the change, and a different change was made.
Complaint sub-issue: Debt is not mine

I submitted This to XXXX XXXX XXXX - who then forwarded it to XXXX XXXX XXXX CFPB ) - per Our telephone conversation - I am filing this with CFPB - my entire submitted file was XXXX pages and can submit to you as needed : Under FTC Settlement, Debt Buyer Agrees to Pay {$2.00} XXXX for Alleged Consumer deception - - - XXXX XXXX - I was recently sued by asset acceptance in regards to a credit card debt from XX/XX/XXXX and the statute of limitations was well over - I feel as though this case is part of their FTC settlement for the following : The asterisks mark the what they did to me & my court case : *****misrepresenting that consumers owed a debt when it could not substantiate its representations ; *****failing to disclose that debts are too old to be legally enforceable or that a partial payment would extend the time a debt could be legally enforceable ; providing information to credit reporting agencies, while knowing or having reasonable cause to believe that the information was inaccurate ; failing to notify consumers in writing that it provided negative information to a credit reporting agency ; failing to conduct a reasonable investigation when it received a notice of dispute from a credit reporting agency ; repeatedly calling third parties who do not owe a debt ; informing third parties about a debt ; *****using illegal debt-collection practices, including misrepresenting the character, amount, or legal status of a debt ; providing inaccurate information to credit reporting agencies ; and making false representations to collect a debt ; and*****failing to provide verification of the debt and continuing to attempt to collect a debt when it is disputed by the consumer. 

I have been back to court 4 times since XXXX - finally XX/XX/XXXX the Judge ordered this dismissed as the statute of Limitations was over - it was time-barred and they had no documentation supporting a payment was made as they had claimed I made a payment and that restarted the SOL in Wisconsin - I have court documentation of the case and the numerous ploys used by asset acceptance and XXXX Law which was representing them - Please guide me as to where to continue my grievance - it is my understanding this lawsuit against them was in XXXX Court via the FTC - FTC File No. XXXX - as far as I am concerned they are still practicing what they were sued for. 
Thank you - XXXX XXXX
Complaint sub-issue: Need information about your loan balance or loan terms

I am currently enrolled in the Public Service Loan Forgiveness ( PSLF ) program. I have submitted my employment certification ( have worked at the same XXXX XXXX XXXX XXXX XXXX as XXXX XXXX for over 6 years ) and been rejected as I recently submitted for an updated count of my qualified payments. The last payments that were certified were from XX/XX/2020 though my employment remains current. The last time my employment was recertified was as a result of a similar complaint I have lodged with the CFPB which calculated only through XX/XX/2020. This is a recurring issue for Fed Loan Servicing. I demand my employment be certified as myself and my employer have been instructed using the tools and existing submissions of employment certification that we have made. The direct instruction and support given to us by the FedLoan Servicing working on behalf of the Dept of Education is inadequate.
Complaint sub-issue: Problem during payment process

My wife " had '' A total XXXX XXXX. I was a user on her account. It was closed out for non payment. We started working on our credit. I was approved for a total XXXX card with my wife as a user. The card is 5 or 6 months old. XXXX charge on card each month. 300.00 limit. I pay 40 or 50 monthly yet my available credit never goes down. I am never given full use if the card. My wife believes they are taking our payments and applying them to her old credit card charges that have been charged off and the card sold to a debt collector. The company will no longer acknowledge my wife as a user on this account, they won't give me access to my statements online or via phone. I Believe we are being fraudulently used by the credit card company. And they refuse to remove my wife 's information with me as a user on her old card.
Complaint sub-issue: Investigation took more than 30 days

I sent a letter to the credit bureaus on XX/XX/XXXX, disputing 3 errors on my credit report. THey were supposed to investigate and respond by early XX/XX/XXXX, but they have not.
Complaint sub-issue: Other problem getting your report or credit score

You didn't really have my issue as one of your options. I have basic and general complaint against XXXX. These credit agencies are terrible companies. They don't do anything to help consumers. They have only screwed me. They don't raise my credit score even if I have 0 collections reported, 100 % payment history. They don't share how they calculate my score yet they use it to allow banks and credit cards to XXXX me on interest rate. My score doesn't go higher with positive actions but if I use a credit card my score goes down substantially. It is a disgrace that banks use this unequal measure to legally discriminate against non rich people. They should be illegal. They really are only in collusion with banks and lenders and the XXXX of consumers. How can the consumer protection bureau allow these companies to XXXX over hard working americans by allowing banks to use a score that is so partial and non objective it is scary. Then they charge me to have access to my own information! How in the heck can that be right? I can get one free report a year? Why not any time I want. It's such a shame they make millions probably billions from my information then charge me for it. How about use some of that money they make and help people get out of debt?
Complaint sub-issue: Debt is not yours

I received a letter from XXXX about a A T & T bill that is not mine. I have never had an account with A T & T now or at any time. 
I have written to them saying the debt is not mine. I have also gone online and found that this collection agency in Florida has many consumer complaints for the exact same thing. They try to collect a debt for A T & T for a debt not owed. 

They asked that I pay half of the debt XXXX. Reference number XXXX
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$4100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inquires that do not belong to me, Identity compromised/Fraud : Credit Bureaus contacted would not resolve the issue. 

XXXX Inquiries : XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX Inquiries : XXXX XX/XX/2022
Complaint sub-issue: Didn't receive enough information to verify debt

I've disputed this account and requested documentation several times, and they haven't sent me anything in the mail. They have continued to report the account on my credit. This is a direct violation of the FDCPA and FCRA. Please help me!
Complaint sub-issue: Received bad information about your loan

in XXXX I took out a loan from Pave for around {$12000.00}.
I paid it off in full in XXXX and received a confirmation email.
However, I paid interest during XXXX and XXXX and reported that on my taxes.
In the past 2 weeks, I 've tried repeatedly to get in touch with anyone at Pave via phone, and email but received no response. I can no longer log into their website. I am seeking tax documentation.
It feels very scary that they have been so unresponsive for over two weeks.
Complaint sub-issue: Other problem

I made a payment within 30 days and Discover reported negatively on my credit report that I did not make a payment.
Complaint sub-issue: Problem getting my free annual report

Out of all of the XXXX major credit reporting agencies only Equifax makes it impossible to obtain a free credit report. Equifax also makes it impossible to use the dispute system listed on it 's main website. I feel as though this reporting agency is being deceptive in it 's dealings with the public and only wants to be of assistance to paying customers.
Complaint sub-issue: Their investigation did not fix an error on your report

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNTS. 

XXXXXXXX XXXX XXXX. XXXX Date Opened XX/XX/2016 Balance {$4500.00} and XXXXXXXX XXXX XXXX. XXXX Date Opened XX/XX/2016 XXXX {$270000.00}.
Complaint sub-issue: Reporting company used your report improperly

I am writing in accordance with the Fair credit reporting act Convergent Account #, 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 consent / instructions. 
XXXX XXXX # -- XXXX Credit XXXX XXXX # -- XXXX XXXX XXXX # -- XXXX XXXX # XXXX -- XXXX XXXXt # -- XXXX XXXX XXXX XXXX # -- XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/XXXX received a phone call from XXXX XXXX ( First Horizon Bank- XXXX, stating she was placing a temporary hold on XXXX XXXX banking account. 
On XX/XX/XXXX XXXX XXXX gave authorization to XXXX XXXX and XXXX XXXX XXXX of Attorney. All paperwork has been notarized and and registered with XXXX XXXX offices. 
On XX/XX/XXXX told by XXXX XXXX that a letter from the doctors office would need to be submitted which was submitted on XX/XX/XXXX. 

XX/XX/XXXX told by XXXX XXXX that we would need to get an attorney because she and First Horizon Bank determined XXXX XXXX was not in her right frame of mind when she gave a the above power of attorney. Due to XXXX XXXX and First Horizon not allowing us to make decisions on the account XXXX XXXX has been scammed approximately {$15000.00}. 
The bank is a financial institution and not medical and should not be able to make decisions of ones mental status. XXXX XXXX informed us that we will need to get an attorney. However in the mean time the bank account is still open and risk the possibility of more money will be taken out of her account.
Complaint sub-issue: Account status incorrect

A collection agency named XXXX recently reported three collection balances on my credit report for {$400.00}, {$140.00}, and {$120.00}. Prior to these accounts appearing on my report, I received no notification of the debts whatsover. XXXX never supplied me with a notice of my right to dispute, prior to reporting these debts, so they have violated my rights under the Fair Debt Collection Practices Act. And since they have reported these debts illegally, they are also in violation of the Fair Credit Reporting Act.
Complaint sub-issue: Problem getting your free annual credit report

Equifax Refuses to issue my free credit report on line. Direct me to a toll free number.

Toll free number is attempting to charge me by credit card for free report.

Tried to obtain a direct c

all to a person Dial 5 ... per their instructions. Message says that this service is closed until further notice with no other explanation. Insisting that I send a application by snail mail in order to get my report. I spent a day trying to reach someone yet you allow them to ruin our credit with mismanagement. This is Equifax the same company that refused me several years ago. They also reduced my FICO score without sufficient cause. My credit is impeccable and has been for 50 years. No problems with XXXX  or XXXXn.
When are you going to resolve this companies many problems or shut them down!
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please remove the following accounts right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

investigation took more than 30 days i am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ) have failed to remove information that affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and a outright refusing to uphold the law
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX remove the inquiries and its been XXXXdays n they record the calls XXXX admitted they had my police report XXXX 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 XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

XXXX refuses to refund entire amount stolen from me from use of counterfeit card. 
On XX/XX/2020, {$980.00} was withdrawn from a XXXX ATM with a counterfeit copy of my XXXX paycard. After 6 months of their stalling, I finally filed a complaint with the CFPB, which resulted in XXXX crediting my account for {$790.00}. No explanation was given for not replacing the entire amount, and their disputed transaction department actually hung up on me when I tried to get an explanation and re open the complaint. 
From www.ftc.gov : " If someone makes unauthorized transactions with your debit card number, but your card is not lost, you are not liable for those transactions if you report them within 60 days of your statement being sent to you '' I reported the fraudulent transactions within 1 hour to XXXX, so they owe me another {$190.00}.
Complaint sub-issue: Public record information inaccurate

I am requesting the removal of a bankruptcy on my Equifax credit report due to Civil Case No.XXXX. I did not know the source of your information of this bankruptcy and due to this, Equifax has violated the Fair Credit Reporting Act ( FCRA ). Please remove this bankruptcy as it is adversely affecting my credit. Previously, I requested such removal and I have also attached to this complaint a dispute letter from the company XXXX confirming the results of their Reinvestigation. For your review, I have attached a copy of the results to this complaint.The U.S. Bankruptcy Court also confirmed that they do not report any information to the credit bureaus  including my social security number which is needed to correctly verify any accounts on my credit report. Since this is a request and not a dispute, I would like to receive confirmation that the bankruptcy listed on my credit report has been removed within 15 days of the receipt of this complaint. Your attention to this matter is greatly appreciated
Complaint sub-issue: Information belongs to someone else

I submitted a dispute letter on XX/XX/XXXX, as my sixth attempt to let you know that I was the victim of identity theft, and I'm writing to contest some things that the criminal added to my file. The things I'm disputing have nothing to do with any purchases I made or authorized that resulted in the acquisition of any products, services, or money. Please prevent any information in my credit file that was obtained through identity theft from being reported. I don't know what these things are. Additionally, I have concerns about the accuracy of the information you provided on some accounts because it has been DELETED from other bureaus, and the reported payment histories on some accounts are a mystery to me. FCRA 605B ( c ) ( 1 ) ( C ) - Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
Please remove the following items as they were the result of the identity theXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Owed : {$150.00} XXXX FI XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX is continuing to purposely report false and inaccurate information on my credit reports to willfully harm my credit. I have disputed with the company as well as the credit bureaus and they are still refusing to fix the fraudulent information. They are not addressing the issue and insisting that they are reporting correctly. They are not a factoring company they are a debt collector and they are reporting open factoring accounts on my credit to damage my credit and use unfair tactics to park the debt in an effort to obtain payment. The debt they allegedly purchased is not in fact factorable debt as they are a debt collector. Under the definition of a factoring company, factored debt must be current when purchased but according to them, these accounts were sent to collections. They are violating FDCP section 623 of the fair credit reporting act. I have enclosed proof of their false reporting and am requesting that these violations of incorrect information be removed immidiately or I will be forced to file suit for multiple violations. This is my second complaint that I have filed as the issues I addressed in my first complaint were blown off by the company and they only responded that they verified the information and that it's correct. They are now knowingly reporting incorrect information which is a clear violation. They even went as far as to add one of the incorrect accounts to my third credit report after receiving the information that it was incorrect and falsely reported.
Complaint sub-issue: Information belongs to someone else

The XXXX XXXX  account that is reporting on my credit file does not belong to me. I have disputed this account with the credit agencies and the account was removed from all of the bureaus except for Equifax. Please assist me in getting this account removed from my credit file.