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

Earlier this year my husband and I refinanced our townhouse and opted for a cash out. XXXX XXXX XXXX XXXX mailed FedLoan Servicing XXXX checks dated XXXX/XXXX/2016 - XXXX for {$930.00}, the other for {$9500.00}. I logged into my account on XXXX/XXXX/2016 to check the status of the checks and saw that XXXX checks had been posted to my account as of XXXX/XXXX/2016, but that there was a remaining balance owed of {$17.00}, which I paid online and saw I had a {$0.00} balance. I logged in again on XXXX XXXX, 2016 ( the beginning of the new billing cycle ) to see if there was any further amount due, and my account was still at {$0.00}. This past Monday ( XXXX/XXXX/2016 ), I received an email saying I had a past due amount. I called the XXXX number and was told that the bank had sent a stop payment request for the check in the amount of {$9500.00} on XXXX/XXXX/2016 and that the money had been reversed from my account and the check returned to them ( 15 days after I made my last payment on XXXX/XXXX/2016 ). I logged into my account again, and saw the Paperless Inbox. I opened it and saw that there was a letter posted on XXXX/XXXX/2016, saying that there was an error with the payment, it had been reversed and the check returned to the bank. I was NOT previously notified about this letter, and there was nothing to indicate that I had unread documents in the Paperless Inbox. Our title company said that they had not received the check from FedLoan Servicing and requested a stop payment on the check effective XXXX/XXXX/2016. They confirmed that the bank had NOT issued a stop payment request on this check prior to this date. They are issuing a new check in the amount of {$9500.00} and will mail ASAP. Because of this, as of today ( XXXX/XXXX/2016 ) my account has accrued {$340.00} ( compounded daily ) in interest charges. In order to have this interest waived and/or disputed, I was referred by a FedLoan supervisor to the US Dept. of Education. She told me that she would be sending me something in writing for my records, and would send my case to the financial group for review. I 'm not sure if this has happened. I have contacted the US Dept. of Education, the Federal Student Aid Department, and the FSA Ombudsman Office to file a dispute with them ( which I have done ). I was told by someone at the Ombudsman Office that the FedLoan Paperless Inbox has been an issue for other consumers as well. I 'm still in the process of having this matter resolved.
Complaint sub-issue: Their investigation did not fix an error on your report

Im writing because I noticed that my most recent credit reports contains a late payment reported on XX/XX/2020 for my XXXX account. I want to dispute this as inaccurate.
Complaint sub-issue: Information belongs to someone else

Equifax is WILLINGLY breaking the law by not blocking information that I have stated is a result of Identity Theft. I have sent in my Identity Theft affadavit and they are still refusing to block an account with XXXX XXXX. 

Equifax said they have to treat it as a " Dispute '', which makes no sense since a dispute asserts a specific inaccuracy in reported information, which could broadly apply to anything, ranging from the spelling of the consumer 's name to the legitimacy of the debt. The implications of a positive resolution of a dispute is confined only to a finding with respect to the specific information identified in the dispute, which is not necessarily related to the ultimate legitimacy of the debt. 

My assertion is that I never authorized any account upon which the asserted debt is based, so the proper procedure is to get the information blocked from my credit report is by using the identity theft process set forth in FCRA 605 B. This process does not include any involvement of the reporting party, and is based only on the assertion by the consumer provided it is accompanied by a police report. As I have fulfulled this, Equifax is breaking the law by not blocking this information.
Complaint sub-issue: Was not notified of investigation status or results

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

1. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3.The Following Account Was A Charge-Of. Balance should be XXXX. 
XXXX Account Number : XXXX The Following Account Was A Charge-Of... 

* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I receive a paper statement in the mail however, this statement failed to be delivered. When I realized that this statement never arrived I immediately contacted the creditor and made the scheduled payment. I was assured by the representative that I made the payment with that no late fee would be given. I did not realize there was a late fee until I obtained a copy of my most recent credit report. This false reporting of lates is seriously harming my credit score and this item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Complaint sub-issue: Their investigation did not fix an error on your report

I received a copy of my credit report with intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am asking CFPB to investigate this matter further. I am not XXXXXXXX XXXX sure the XXXX credit reporting agencies is doing me a disservice in investigating the wrong doing of a XXXX party reporting agency LexisNexis and XXXX XXXX XXXX XXXX XXXX XXXXXXXX. As a consumer I have contacted the matter at hand. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and asked them a question, Do you report the case in court to the credit bureau? The clerks response, The XXXX XXXXXXXX does not report information to any credit bureau. Almost like hippo for medical records. I send a certified letter to every credit bureau to remove the illegal reporting fragments. They all stated verified and corrected.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2020, I wrote all 3 bureaus and asked them to look into some accounts on my report that are inaccurate. I sent these letters certified mail and I have record that they were received. Since then, I have sent follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020. I have yet to see any information regarding the accounts that I am challenging, nor has any of the misreported information been updated. It is a clear violation of the FCRA to continue to report incorrect information after they are made aware of the mistake, isn't it? I feel that my rights are being violated and it is having a negative impact in my life, for obvious reasons. I have tried to maintain patience however, this has gone on for far too long and I want these issues addressed immediately. Thank you.
Complaint sub-issue: Information belongs to someone else

I ordered a copy of my updated Credit report from XXXX and upon further inspection, it is clear that the Credit Bureaus have not fully removed all the disputed Fraud items from my Credit Report. It is clear that my credit File has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any account and informattion which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureau and the bank 's records. Please remove these files. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. Please remove the following items from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX Balance Owed : {$5900.00} XXXX XXXX Balance Owed ; {$4400.00} XXXX XXXXXXXX NA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Account status incorrect

Equifax shows that I have a collection from the XXXX XXXX. They do not have any details about the collection amount or resolution. This collection was fraudulent and was reported and removed from all three credit reporting bureaus. It never reappeared on my XXXX  or XXXX report however, it reappeared on my Equifax report a few years after it was removed. I disputed this with Equifax but they did not remove it. I dont know how I can provide proof of a negative, this collection never should have been there in the first place and was removed originally, if they want to put it on my credit report they need to prove that it belongs there. Equifax has been unable to prove anything, they do not even have a dollar amount for this collection but they still show it on my report. It needs to be removed completely, not listed as paid because thats not accurate either, the collection was never valid in the first place.
Complaint sub-issue: Old information reappears or never goes away

I have a loan with XXXX, one of two that were not consolidated. I have been on a XXXX for several years. in 2019, XXXX closed one account as a charge off. Now each year they re-report the same account as charge off and closed with a new close date. This will never drop off my credit if they keep this up. I have tried to dispute it with the reporting agency, and with XXXX and have gotten no where. This loan is over 16 years old.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a hard credit inquiry from Bank of the West on my XXXX and XXXX  credit reports and I never signed anything authorizing them to run my credit. 

I am seeking the removal of the inquiries from both credit bureaus.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

On  XXXX   XXXX ,  XXXX , I rec 'd notification from a credit reporting company that  XXXX  new " collections '' were added to my credit report. The  XXXX  new collections are both the same company ECMC for student loans and were included in a Chapter  XXXX  bankruptcy that was file last year in  XXXX   XXXX . My issue is that the company newly reported this to credit agencies as an active collection a year after I filed Chapter  XXXX . I am still in this active  Chapter   XXXX . I 've called the company and they said that the accounts are in an active collection status despite the  Chapter   XXXX . Should I not be protected under the automatic stay until the end of the bankruptcy?
Complaint sub-issue: Investigation took more than 30 days

I wrote the three credit bureaus, XXXX, Equifax and XXXX on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$3600.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED {$0.00} XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

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

1. XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

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

A check was written to pay for day care services for {$600.00} I signed the check the same way I sign every check. The check was returned due to an invalid signature. The signature is the same signature as other checks that paid recently and the same day. No one reached out to me to ask if it was valid. Spoke to client esacalations and played phone tag with rep. Called back and got a different rep and he said there was nothing he could do to cover the {$25.00} charge that I am being assessed by the payee. This is  PNC 's fault. PNC needs to pay the charge.
Complaint sub-issue: Information belongs to someone else

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from.
Complaint sub-issue: Deposits and withdrawals

On XXXX, XXXX XXXX XXXX, I attempted to send $XXXX   from my Ally Bank savings account using XXXX. A message popped up saying "Payment Limit Exceeded" and that to stay within my limit, I can send $XXXX  now or send the full amount as a standard delivery which can take up to 3 days. When I attempt to send funds as a standard delivery, I receive a similar error saying "Payment Limit Exceeded" and that my remaining limit is $XXXX I have been using Ally Bank for years, and I have been the XXXX to send funds within minutes from my Ally account in excess of $XXXX for over a year. I contacted the Ally bank via phone and Ally Messenger and was told "an issue with the XXXX, as we review the limits allowed. This is only a temporary issue but, unfortunately, we do not have a time frame on the fix." This is an unacceptable issue for a bank to have, to limit and hold a consumer's funds without providing notification of an ongoing issuer or a time-frame for resolution. The limit for XXXX  should be $XXXX as the Ally Bank Help Center, accessed XXXX XXXX XXXX, online at [XXXX] says:What are Ally Bank’s limits for sending or requesting XXXX   payments?Ally Bank LimitsAlly Bank Limits tableSPEED	LIMIT PER TRANSACTION	LIMIT PER DAY	LIMIT PER 30 DAYSIn Minutes	$XXXX	$XXXX	$XXXXStandard (Next-Day or 3-Day Delivery)	$XXXX	$XXXX	$XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a so many credit inquiries on my report. Im in complete disbelief, someone is using my information on XXXX, loan request and credit card request. I no longer have a credit score none of my finances are being report I work so hard to gain credit now I dont have any. 

Can you please help XXXX XXXX
Complaint sub-issue: Can't close your account

The bank keeps arbitrarily honoring ACH withdrawals even though I had a negative balance. I am being charged {$36.00} for each " bounced check ''. This is keeping my balance continue to go into the negative and I have not been able to afford to close the account once and for all. The bank is PNC Bank.
Complaint sub-issue: Reinserted previously deleted info

I have filed a dispute with both XXXX and Equifax who indicated would also be submitted to XXXX against XXXX for a false parent plus loan place in my name by XXXX University, which the credit bureau 's agreed with me and removed it from my credit report. Since this time this debt has been placed back on my credit report and in conversation with XXXX of XXXX XXXX today he indicated the creditor can put it on my credit report whenever they would like, which is false! XXXX took over a false parent plus loan from XXXX, which XXXX University applied for in my name after I was denied without my permission and/or authority. In speaking with XX/XX/XXXX from the Department of Education she got her supervisor on the phone who explained that after my denial of a parent plus loan, XXXX University applied for a parent plus loan in my name without my permission and/or authority and that loan was approved. I have made several attempts to dispute this loan and provided my proof of documentation of my denial, which XXXX and Dept. of Ed. continues to place blame on one another and pass the buck on whose responsibility it is to correct this problem and they continue to place it on my credit report, which is driving down my scores and costing in buying a home. No is trying to fix this, they continue to pass the buck on it and fail to correct the issue. This is ridiculous!
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying to have 3 fraudulent accounts from XXXX deleted from my credit report with XXXX, Equifax and XXXX   for months now. I have sent numerous letters asking for these accounts be investigated and once verified show proof of their right to post those accounts on my credit reports. I have showed indisputable proof from the IRS that these accounts are not mine. In all cases they have responded with a generic response that the accounts were verified. They verified it without showing how they investigated or proof of their verification, even though i have requested to see this information. XXXX, Equifax and XXXX  continue to violate my rights as a consumer to have these accounts that are not mine deleted, or show proof that they have the right to have these fraudulent accounts on my credit reports. XXXX  already deleted 2 out of the 3 accounts but XXXX  and Equifax refuse to do so.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXXXXXX obtained unauthorized copy of my credit report and hit my credit report with hard inquiry which affected my credit score tremendously.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022 I sent in letters to the credit bureaus asking them for verification on the inaccurate accounts that they were reporting to my credit report. The law says that they have 30 days, and it is well over 30 days. I have yet to receive a response from them on this matter. I'm upset and I feel like I'm being taken advantage of. This is a case of misleading false reporting and if this isn't settled, I will file for litigation. Please help me with this matter.
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

I have four inquiries from XXXX XXXX XXXX  that Im trying to get removed immediately. I reported my ID stolen early XXXX and Im still receiving inquiries also tickets in the mail. 
XXXX XXXX  hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX ACCOUNT XXXX ( XXXX ), XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX, XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX  ( XXXX ).
Complaint sub-issue: Debt is not yours

This goes back years and there are many bad debt collection practices they have tried to use. In XX/XX/XXXX XXXX I was served a summons for debt. I did not know what this was for. I went to court on XXXX XXXX, XXXX. The judge advised I contact the debt collector BC Services to resolve the issue. I contacted them the same day. I was told this was for medical debt and had assumed it was from after I had given birth in XXXX XXXX. At this time I told them I was not working so I could not set up a payment plan as I had no income or money to give them. I asked multiple times if there would be a judgement against me they assured me there would not be. I asked if I needed to contact their lawyer to make sure there wouldn't be a judgement they told me no they would take care of it and that there would be no judgment against me. Then in XXXX XXXX I received notice there indeed was judgment. So they lied  to me. I called them immediately and asked them to fix this and they refused. I told them I would pay nothing since they were using false debt collection practices. Fast forward to XX/XX/XXXXXXXX XXXX my work notifies of a garnishment from them. They can't collect because at the time I'm making minimum wage. My boss wants to encourage me to make a payment plan so they can give me a raise. I'm still skeptical because this company has already lied to me before. My boss insists. I call BC Services and request more information on the debt because it has never been verified as mine and set up a payment plan so I would not garnished. Well all they ever sent me was an invoice type paper. Still did not verify the debt was mine. In XXXX XXXX I called again to get verification again and asked specifically for proof this debt is mine. Paper work with my signature showing I agreed to pay any bills for what they say is my debt. They were hostile on the phone and said well its your name. That doesn't prove it is my debt. They once again send me just an invoice type paper with no proof but they did prove it is not my debt. On the paper it says the account is for an XXXX XXXX. My name is not and has never been XXXX XXXX. So why they are trying to extort me for money for debt that is not mine but somehow has someone else 's name on the account. They have no proof the debt is mine and will not send any valid proof it is mine. Was I nave and set up a payment plan yes I was because they wouldn't work with me and provide the information to me. They had the upper hand though because they got a false judgment against which allowed them to garnish my wages if I did not make payments. It is illegal what they did and they are required to prove the debt is mine. Instead they sent me a paper that proves it is not mine.