Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

Equifax no Im not happy I need to know who removed XXXX account from the file? 
I need physical proof if youre on able to provide that information you need to remove that from the collection account this is considered on verifiable I need to know which one of you removed immediately
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.
Complaint sub-issue: Personal information incorrect

There is a student loan account that is reporting on my credit report in which I am unsure that student loan belongs to me. I have tried contacting the school via correspondence ; however, I haven't received any documentation suggesting that this account belongs to me. 

I never received any documentation or invoice regarding this account.
Complaint sub-issue: Received bad information about your loan

Dear CFPB ; I am a Federal Student Loan borrower with FedLoan Servicing. I have contacted FedLoan and disputed specific ineligible payments most recently on XX/XX/XXXX and XX/XX/XXXX in addition to other years and they ; FedLoan Servicing are unable to provide clear answers. I am asking you the CFPB to contact FedLoan Servicing and get FedLoan to fix the ones that should have been fixed. My records show that I should have qualified for the Public Student Loan Forgiveness program XX/XX/XXXX. However, I currently have only XXXX qualifying payments identified through their tracker, with XXXX that need to be manually reviewed dating back to XXXX, and over 20 that are stated as ineligible for qualification. If the XXXX that need manual review could be reviewed it's possible that I would have my 120 qualifying payments now. With the change with providers I believe there was error with tracking of my records.
Complaint sub-issue: Their investigation did not fix an error on your report

FIVE months ago, Equifax and XXXX BOTH claim that they verified the bankruptcy reporting on my credit report through XXXX XXXX, XXXX responded that they could not verify this information and DELETED it from their database. I sent all correspondence to Equifax and XXXX   for them to delete this unverifiable information off my credit report via section 1681, however its been five months and they are not cooperating.
Complaint sub-issue: Their investigation did not fix an error on your report

By law, the credit bureaus are to have the original contracts as verification of a debt before placing them into my credit report. I have tried to contact the following companies and the credit bureaus to show proof of the original contract and they all have failed to do so. By law, if the credit bureaus and debt collecting companies fail to hold the original contracts or proof that they verified the debt with the original contracts before placing them onto my credit report, they must delete the debts from my credit report. 

After requesting my credit report in order to fix my credit while I am currently unemployed and going to school full time, I have contacted the following debt collecting agencies in order to correct the errors that I found. 

XXXX XXXX XXXX XXXX XXXX. 
I sent them a correspondence on XX/XX/XXXX to VALIDATE the debt.

The only correspondence I received from them was a Pre-legal notification on XX/XX/XXXX. They have yet to send me anything that I requested from them per the Fair Debt Collections Practices Act, as well as the they have not indicated to the bureaus, XXXX and Equifax, that the account in question is under dispute and is to be removed or cease from reporting the information until full validation has been completed. 

XXXX XXXX XXXX XXXX I sent a correspondence to them on XX/XX/XXXX to also the debt in question.

They responded XX/XX/XXXX with a final bill statement which under the Fair Debt Collections Practices Act is NOT validation of a debt. They failed to remove or cease from reporting the information until full validation has been completed which they still have not shown proof of the original contract, per the FDCPA. 
They sent another correspondence on XX/XX/XXXX stating that theyve returned the account back to XXXX XXXX XXXX XXXX but still has failed to remove their information from my credit report. 

XXXX XXXX XXXX XXXX I sent a correspondence on XX/XX/XXXX to also validate the debt.

Their correspondence on XX/XX/XXXX was simply another billing statement, they have failed to provide any proof or original contract of the debt in question and have not removed or cease their reporting onto my credit. 

I hope this helps in any way to stop fraud and to stop these companies from doing thing illegally as they are not following the law on their actions. Thank you for your time.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information being reported are erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : 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 Bankruptcy Reference # : XXXX. Please send me copies of results of your investigation, in the event you believe that the disputed items are accurate. in the absence of such documents, correct or remove the disputed information on my Credit File.
Complaint sub-issue: Account information incorrect

ACCOUNT # XXXX Midland Mortgage gave a payoff estimate to the buyer ' s of my home. Payoff amount as provided, was wired to Midland mortgage and sale closed. I moved out of property because buyer ' s were investors and required that I move out immediately. Midland Mortgage then realized that they made a mistake with the payoff estimate that they provided. They claimed that there was a shortfall of about {$2000.00}.

Midland Mortgage started to report that as late payments on my credit report for all the months that they were trying to resolve this issue with buyer. Eventually, it was resolved, and extra payment was wired to Midland Mortgage.

The multiple late payments which was not my fault has made it impossible for me to get a mortgage for another home. I have spoken to Midland Mortgage about this severally, but they have done nothing.

Also, the mortgage loan is still showing as open and having a balance when in actual fact, the mortgage is fully paid and closed. Please help me sir/madam.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair credit Reporting act XXXX XXXX  Account number XXXX and XXXX  XXXX Bankruptcy reference number XXXX has violated my rights. 

15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not report an account without my written instruction.
Complaint sub-issue: Account information incorrect

XXXX XXXX has violated all my consumer credit rights. Attached, are the documents I sent them, proving the facts, and my certified mail receipt copies. I am currently waiting for their response and resolution. They have 30 days to send me my remedy. 

On XX/XX/XXXX I sent them a Cease and Desist, Invoice for violations, Affidavit of Truth, and Exhibits. 

XXXX XXXX is in violation of 15 USC 1692, 15 USC 1681, and 15 USC 1692K.
Complaint sub-issue: Account information incorrect

best buy has been deleted on my acct and has not been removed on the equifax and transunion acct.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. 

Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that PROCOLLECT , INC is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that PROCOLLECT , INC is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that PROCOLLECT , INC is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that PROCOLLECT , INC is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
Complaint sub-issue: Account information incorrect

As per my CFPB # XXXX complaint, XXXX  XXXX XXXX was deleted and removed from my XXXX consumer report for violating my federally protected rights, but still appears on my XXXX and Equifax consumer report.
Complaint sub-issue: Information belongs to someone else

I checked my credit report, I discover violations and inaccurate reporting. The dispute with XXXX reporting the fraudulent account, XXXX XXXX XXXX as deleted / remove from credit report after several dispute filings, which began XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX the status of the '' XXXX XXXX XXXX '', removed/ deleted account was placed back on my credit report after it had been deleted. It showing a status " remain '' on my credit report inaccuracy. 
XXXX and Equifax both credit reports in accuracy information for XXXX XXXX XXXX, with account status, last payment date and payment status Equifax report XXXX XXXX XXXX as a closed account status. XXXX report XXXX XXXX XXXX as a derogatory account status. Delete all information pertaining to XXXX XXXX XXXX from my credit report.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022, I requested an investigation for some items that did not seem correct on my credit report. I provided specific reasons why the accounts were being challenged along with specific instructions on what should happen to the account in the requested information could not be provided within 30 days according to the FCRA. 

40 days went by and the items still were appearing on my credit report and the method of verification still was not provided. 

On XX/XX/2022, I requested a re-investigation into those same accounts with the same results. Nothing was removed and the method of verification has not been provided. 

It is now, XX/XX/2022, and the accounts in question are still showing on my credit profile and are listed below along with the reason for the investigation. 

XXXX XXXXXXXX Method of verification was not provided. 

XXXX XXXX Account was removed and added back without a re-insertion letter. Method of verification was not provided. 

XXXX XXXX XXXX Method of verification was not provided. 

XXXX XXXX XXXX This account was a pay per delete but is still reporting on my credit XXXXXXXX XXXX  XXXX Method of verification was not provided XXXX XXXX XXXX Method of verification was not provided XXXX XXXXXXXX XXXX Method of verification was not provided XXXX XXXX This account was a pay per delete but is still reporting on my credit XXXX XXXX Method of verification was not provided XXXX XXXX XXXX XXXX This account was a pay per delete but is still reporting on my credit XXXX XXXX XXXX Method of verification was not provided XXXX XXXX Method of verification was not provided XXXX XXXX Method of verification was not provided XXXX XXXX XXXX Method of verification was not provided XXXX XXXX Method of verification was not provided XXXXXXXX XXXX XXXXXXXX Method of verification was not provided XXXXXXXX XXXX XXXXXXXX Method of verification was not provided XXXX  XXXX Method of verification was not provided XXXX XXXX Method of verification was not provided XXXX XXXX XXXXXXXX XXXX Method of verification was not provided No Name Account XXXX Account is incomplete, how was this verified ? 

XXXX XXXX XXXXXXXX Method of verification was not provided XXXX XXXX XXXX XXXXXXXX Method of verification was not provided XXXX XXXXXXXX Method of verification was not provided XXXX XXXX XXXX XXXX Method of verification was not provided XXXX XXXX XXXX XXXX Method of verification was not provided
Complaint sub-issue: Debt was paid

On XXXX, my son XXXX XXXX had a visit to an emergency room in XXXX XXXX. XXXX was born on XXXX. XXXX has " XXXX XXXX '' insurance ID XXXX. After a while, I received a bill from the hospital for {$960.00}. I contacted the insurance company, where they told me that XXXX 's visit was paid in full, and if the hospital has questions about payment, then they should contact them, because it is illegal to demand that we pay again. In a few months I received a bill from a collection agency " AR Resources inn " in the amount of {$960.00}. Several times we contacted the agency, explained the situation, and also left a complaint with CFPB, to which there was a response from the collection company that they would send me all the papers confirming my debt. However, I haven't received anything up to this point. Instead, the collection company made " Derogatory marks '' in my credit history. I again contacted the insurance company, where they once again confirmed that the bill had been paid, the claim number was XXXX, and they also informed me that the money had been withdrawn from the hospital 's account. Based on the above, I think that there is a fact of fraud, because they are trying to collect XXXX $ from me again
Complaint sub-issue: Information belongs to someone else

I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) --  CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$10000.00} -This is not my account.
Complaint sub-issue: Debt was paid

I have had an existing account with Conns XXXX XXXX which I have paid on for the past four years. IN early XX/XX/XXXX I came into some money and decided to pay off all my loans including Conns. To assure I paid the full amount owed, ( I pay installments through online banking with XXXX XXXX  ) I called each company and got a precise payoff and to make sure the full amount was paid, sent approximately {$10.00} more on each than was quoted as owed. Conns advised me that I owed {$970.00} on the debt. I sent them {$980.00} on XX/XX/XXXX and of course I can verify this. To date, I have received regular calls stating that my debt was never paid and I am behind in payments. I have talked to them personally on five different occasions, in one of which I was advised by someone in their accounting department that the payment had been applied to the wrong account but I was assured it had been fixed and I would receive no more calls since it had cleared the debt. I continued to receive calls and on one occasion approximately three weeks ago, after a heated exchange with one of the accounts, ( XXXX, was the only name she gave ) was assured once again that the debt would be closed as paid and I would receive a letter from Conns to this effect. I never received a letter as stated but I did receive another letter today, XXXX XX/XX/XXXX, stating that my account was past due and I owed a past due amount of {$210.00}. It is as if Conns deliberately disregards all my attempts to get this resolved and continues to browbeat me into paying more money. I have filed complaints with the credit bureau and have written three separate letters to Conns truing to get this resolved. I have proof of payment on the XX/XX/XXXX, copies of all commuications wiht Conns and coipies of all communications with the credit bureau.
Complaint sub-issue: Don't agree with fees charged

I have had a federal student loan since I started college XX/XX/XXXX. Some of the loans are subsidized while the others are subsidized. I started going to school for my XXXX degree XX/XX/XXXX, and since then my student loans went into deferment. Without notifying me, the loan servicer, FEDLOAN SERVICING, changed my status from deferment to forbearance, in which case all interest that had accrued overtime, was added back on my student loan. These loans are already a burden and it is frustrating when federal loan servicing companies try to manipulate ways of repayment in order to make the max amount of profit. I am still in school half time and do n't understand why every semester I should have to re-report my status as a student. My loans went from deferment to forbearance XX/XX/XXXX and to date I have not been notified of this change. I only noticed this change yesterday, XX/XX/XXXX, on my online account at fedloan.org. I hope that something can be done about this matter so these issues do not keep occur again. Thank you for your time.
Complaint sub-issue: Problem with personal statement of dispute

In XX/XX/2022, I inform all three credit bureaus ( Equifax, XXXX, and XXXX XXXX of incorrect inquiries that were put on my credit report without my authorization. The agency never looked into the investigation and kept the inquiries on my credit file without my authorization, Nor do I have accounts with the inquiries in question. All of the inquiries that were made in XXXX are in accurate. I am working very hard on my credit to improve it and I have tried my best not to have any inquiries on my credit report that werent already there before XX/XX/2022. I did not authorize those inquiries in the month of XX/XX/2022 at all and It is a violation of my rights as a consumer to report inaccurate information. The agency did not take the time to investigate this matter and I am requesting validation with my signed signature that I authorize this information to be reporting on my credit file.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX I submitted disputes to all 3 credit bureaus pertaining to XXXX XXXX  Per their last " investigation '' they came back as verified and updated that this account as no change. Per my credit reports, it shows that this was updated as recently as XXXX of XXXX. This is totally inaccurate. I had XXXX late payments in XXXX. They are also showing this on a closed account. With this reporting as recent as XX/XX/XXXX it now appears as a recent delinquency which has caused me undue financial hardship.
Complaint sub-issue: Information is not mine

Equifax has an incorrect derogatory mark on my record relating to a judgement against my father who has the same name as me. I contacted Equifax and they refused to remove it from my credit report and it is negatively impacting my credit score. I contacted the court that issued the judgement and there is nothing they can do.
Complaint sub-issue: Information belongs to someone else

National Recovery Agency XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern ; I have tried numerous times to get this inaccurate account deleted off my consumer report and I have exercised all possible methods. I have disputed this account with all ( 3 ) consumer reporting agencies ( XXXX, XXXX and XXXX ) and with the account holder ( National Recovery Agency ), As well as requested verification of this debt. It is my understanding that not only is it the consumer reporting agencies duty to report accurate information on consumers and furnishers should also verify the information before reporting it. 

I requested undeniable proof as well as any binding documentation with my signature and only received a copy of a ( 1 ) bill statement that did not have my name and listed an address, I have never lived at. This was sent to me by National Recovery Agency. 

I am listing all the violations under the FCRA that apply to my specific situation. 


Violations under FCRA 15 U.S. Code 1681S-2 Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S.Code 1681s-2 ( a ) ( 1 ) ( B ) After a dispute, the information can not be furnished if the information is in fact inaccurate.

15 U.S. Code 1681S-2 ( 1 ) ( A ) Reporting information with actual knowledge of errors 15 U.S. Code 1681b ( c ) ( 2 ) - In accordance with the written instructions of the consumer to whom it relates Here are the violations- I am not the owner of this debt. Therefore, this account should have been properly verified for credibility of the account before reporting it on to my consumer report.

- I have 10 inaccuracies reported on my consumer report.

- Defamation of character - Loss of opportunity due to inaccuracies. Because of poor verification practices. 

Debt Collector Address : National Recovery Agency XXXX XXXX XXXX XXXX, PA XXXX Debt Collector : National Recovery Agency - XXXX XXXX XXXX Account # : XXXX Amount : {$750.00} This inconvenience has cost me to lose the possibility of acquiring a {$30000.00}. credit card, For which I am seeking damages of {$1000.00}. per violation under the Fair Credit Reporting Act ( FCRA ).
Complaint sub-issue: Sued you without properly notifying you of lawsuit

Edmonds and logue pc removed all funds out of bank account with any notification of debt owed
Complaint sub-issue: Account information incorrect

I have disputed and tried to validate this debt with XXXX XXXX several times. The information continues to return as verified with the credit reporting agencies. XXXX has sent a package of phone bills, but they have not sent any validating information of the account balance, date of last payment, and close date. They are reporting to XXXX that the close date is XX/XX/XXXX, however they state that the date of last payment is XX/XX/XXXX, no other payment history. I have asked XXXX to validate this debt, however they were only able to provide me with some billing statement. I believe this account is reporting inaccurate.
Complaint sub-issue: Information belongs to someone else

This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Complaint sub-issue: Account information incorrect

My credit has been reported inconsistently on all three bureaus. 
On XX/XX/XXXX, XXXX removed late payments from my XXXX credit report and as of today this account is showing no late payments on my XXXX report. This action or update should have been the same on all other credit reporting agencies. I have requested on CFPB previously that this correction needs to happen or have the account completely removed from all three credit reports. This is hurting my credit scores and my ability to obtain credit during this rough time. I need all late payments removed on the other bureaus just as it is on XXXX. or completely remove the account.