Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Received bad information about your loan

The issue is that, before the transfer of my federal student loans to XXXX, my then-student loan servicer Fed Loan Servicing gave me an incorrect determination for my XXXX request. The timeline of events is as follows. 

On XX/XX/XXXX, I uploaded to FedLoan Servicing a XXXX Application. The Application came with a letter signed by me explaining that I sought XXXX for three specific loans which I had had since XXXX or before. Furthermore, I explained that I was XXXX XXXX in the XXXX from XXXX until XXXX. So, from my time in the XXXX that's approximately 8 years that should count towards the 10 years required for XXXX for the loans I specified. In addition, since XXXX I have been working at a federal agency, so that should count as an additional year toward the 10 year requirement. 

My letter also explained that because I am a veteran and my ex-employer the Department XXXX XXXX XXXX XXXX is difficult to work with, I could not find who at XXXX should sign Section 4 of the Application ( Employer Certification ) that certifies that I worked at that employer for an amount of time. Instead, I provided my official letter from the Department XXXX XXXX XXXX that said that I was XXXX XXXX and that I entered service XX/XX/XXXX and was XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I received notice that my XXXX Application was received by XXXX. While I waited for it to be processed, I went ahead and paid off one of the three specified loans in my Application, because it was such a low balance. 

On XX/XX/XXXX, I received notice that my PSLF Application Determination was made. The Determination said that there was missing information, the Employer Certification. So, XXXX XXXX did not accept the official letter from the Department XXXX XXXX XXXX. 

On XX/XX/XXXX, I received notice that my loans were transferred to XXXX. So, now it's XXXX 's problem. 

This series of events is problematic, because I have since found out that consumerfinance.gov has resources for veterans applying for XXXX that explicitly says that alternatives to Employer Certification exists. So, XXXX was able to process my XXXX Application and grant me the approx. 9 years of service towards the XXXX for the specified loans. FedLoans Servicing malfeasance has several negative waterfall effects. For one, I have to repeat the XXXX Application with XXXX. Second, XXXX is currently overwhelmed and difficult to communicate with as a result. Three, and this is a major concern, because of the {$20000.00} Debt Relief granted for which I qualify, there is a great risk that the Debt Relief will be applied toward the specified loans in my XXXX  Application for which I do not want Debt Relief since I am so close to satisfying XXXX  requirements. I'd rather have the Debt Relief applied to my more recent federal student loan debt which I incurred in XXXX - XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Complaint sub-issue: Problem with personal statement of dispute

I have been disputing inaccurate items on my Equifax credit report since XX/XX/2019. Aside from the fact that they have barely responded, or made any changes to the inaccuracies, I just received a letter stating that my social security number belongs to a deceased person. I reached out to the Social Security Administration and they assure me everything is good on their end. I am outraged that Equifax is making these bogus claims to get out of investigating my disputes and doing their jobs. I have included below the letters I've sent to Equifax as well as the letter stating my social security number has been compromised.
Complaint sub-issue: Problem with statement of dispute

There is an account that is reporting on my credit report. The account is XXXX XXXX. I have disputed this account several times because this account is not mine. I have called XXXX XXXX and requested in writing a copy of my original account and did not receive it. I spoke with XXXX Account Manager, XXXX XXXX and he admitted on a recorded call ( the call took place between XXXX on XXXX XXXX, 2015 ) that they did not have any paperwork regarding my original account and they could not provide it to me. 
If I was able to find out this information by a phone call, the credit bureaus should have been able to retrieve this information and take the appropriate steps to remove this account ( which shows a duplicate ) from my credit report. They did not and did not thoroughly investigate, when they held themselves that they did.
Complaint sub-issue: Their investigation did not fix an error on your report

The company refused to remove items unless I sent in proof of my identity, I submitted proof and they still refused to investigate. I requested the following accounts be removed from my credit report due to fraud and this them continuing to report is a direct violation of the fair credit reporting act. 

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 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 XXXX BANKRUPTCY XXXX XX/XX/2019 I also requested they remove the following incorrect addresses from my credit report XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I checked my credit and ERC was reporting an XXXX XXXX charge for {$54.00}. This never should have been on my report, I was and still am a XXXX XXXX customer. 

So I stupidly paid this error, thinking it would be removed off my credit. No, after disputing it to XXXX  & XXXX  and mailing a direct letter to ERC, no response at all? 

As you can see, XXXX  did not do an investigation, there is not XB dispute code? Someone or both have committed a FDCPA violation!
Complaint sub-issue: Didn't receive notice of right to dispute

EOS-CCA ( XXXX XXXX ). Total debt was over 3000. 

I requested a settlement offer and I was also told that they could not provide this information in writing to me. 

I requested to make a final payment based on a settlement offer that I was provided in XX/XX/XXXX. I was provided a {$1500.00} settlement offer with payments for a 4 month period. {$370.00} per month. At no time did EOS CCA tell me that i had a 30 day window to pay this settlement offer. 

I called at the end of XX/XX/XXXX to change the payment to {$100.00} and to move the balance from that payment to the next payment due to unforeseen circumstances. Not one time was I advised that my settlement offer was going to be cancelled. 

I called again to do the same thing and once again no one stated that my settlement offer was cancelled. 

I called on once more asking about removing the debt from my credit report. I was advised that it could not be done. 

I made another call XX/XX/XXXX to get the final payoff of the settlement and it was that time that I learned he settlement had been cancelled. They try to say that I have not made payments when In fact, I made payments in the amount of {$100.00} and {$50.00}. 

I was just told by a representative today XXXX that I had 3 additional payments scheduled. How can that be if they only provided me 30 day window. 

I am requesting that this debt be REMOVED from my credit report. as I was provided incorrect information.
Complaint sub-issue: Didn't receive notice of right to dispute

I filed a complaint 2 weeks ago. Stated I never received a letter within the 5 days of initial contact like federal law states. After the company received my complaint they then sent me a letter of my debt, approximately 4 months after the initial call. I have received 17 accounts they claim are owed. 13 of those 17 are not my debt. They are not under my name. Furthermore I still have not received a statement describing my right to dispute the debt. Federal law states they must send me this information.
Complaint sub-issue: Personal information incorrect

EQUIFAX IS REPORTING AN ABSOLUTELY FRAUDULENT AND UNKNOWN ADDRESS ON MY CREDIT REPORT< IN A TOTALLY DIFFERENT STATE> THIS IS THE INCORRECT ADDRESS SHOWN ON MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX???? 
NEVER BEEN THERE AND THERE NEVER LIVED THERE! RIDICULOUS! 
THIS ADDRESS SHOWED UP OUT OF NOWHERE ON MY CREDIT REPORT ON XX/XX/XXXX, AND I BELIEVE THIS IS A RETALIATION ATTEMPT BY EQUIFAX TO PURPOSELY MESS UP MY CREDIT REPORT, DUE TO THE FACT THAT I HAVE BEEN DISPUTING ACCOUNTS WITH EQUIFAX RECENTLY! 
EQUIFAX EVEN JUST SENT ME A LETTER TO MY HAWAII ADDRESS ( SEE ATTACHMENT ) I DISPUTED THIS ADDRESS WITH EQUIFAX AND SENT THEM A COPY OF MY HAWAII DRIVERS LICENSE - YET EQUIFAX SAID THIS FAKE FLORIDA ADDRESS IS VERIFIED- WHAT A FRAUD AND VIOLATION OF MY RIGHTS- I WILL CONSULT WITH MY LAWYER AND CONSIDER A LAWSUIT, IF THIS FAKE ADDRESS IS NOT REMOVED IMMEDIATELY!
Complaint sub-issue: Debt is not mine

To sum in up apparently during computer and many other changes that the XXXX XXXX were implementing me dical bills fully covers by my then under XXXX XXXX XXXX son are now in collections and adding great stress and loss of living and vehicle purchasing needs.
Complaint sub-issue: Account information incorrect

i need clarification as to why you are reporting certan information on my credit report pleace review the following : XXXX XXXX # XXXX. XXXX XXXX # XXXX XXXX XXXX # XXXX. A collection is buy default ( PAS DUE ) Delete account for inacurate reporting. after you finished my request sen me a copy off my credit report reflecting these changes XXXX, XXXX XXXX
Complaint sub-issue: Personal information incorrect

*****Hello, My name is " '' '' '' XXXX XXXX '' '' ''. I have tried to correct my credit report over the past 2 years but none of it works. I notice that all of the employment information and some of the addresses that are listed in my **credit report***. There are also several incorrect information that exist in my credit report that not belong to me or any of our business. I really demand to have all of these information clear off my credit account. Here are the addresses and employment information : & & & & & & & & & & & & & & & & & & & & & *XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ ***ADDRESSES REPORTED XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX **************************
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XX/XX/XXXX /XXXX XX/XX/XXXX /XXXX XXXX XX/XX/XXXX./XXXX XX/XX/XXXX /XXXX XX/XX/XXXX /XXXXXX/XX/XXXX /XXXX XX/XX/XXXX /XXXX XX/XX/XXXX /XXXX XX/XX/XXXX /XXXX XX/XX/XXXX /XXXX XX/XX/XXXX /XXXX XX/XX/XXXX /XXXX  XX/XX/XXXX /XXXX XX/XX/XXXX /XXXX XX/XX/XXXX /XXXX XX/XX/XXXX all these inquires are from auto dealers i did not authorized please help thanks
Complaint sub-issue: Information belongs to someone else

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft CITI Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 XXXXXX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I Do not recognize or no what these inquires are on my consumer report that you are reporting these are fraudulent inquires that i want removed from my consumer report. 




XXXX - XX/XX/2021 XXXX  - XX/XX/2021 XXXX-XXXX  - XX/XX/2021 XXXX  - XX/XX/2021
Complaint sub-issue: Information belongs to someone else

OFFICE OF THE ATTY GEN {$16000.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Child Support Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$16000.00} - Payment Info Status Past due 150 days Status date XX/XX/XXXX Past due amount {$16000.00} Original loan amount - Monthly payment {$450.00} Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - 120 - - - - - - - - - - 120+ Days Late - Data Unavailable Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX XXXX TX XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account 1 collection account Total balance : {$1400.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$1400.00} Balance updated XX/XX/XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/2022 full amount sent to merchant of {$560.00}, card ending XXXX. Billed by credit card comp, again for {$560.00} on card ending XXXX. I contacted the merchant and he said he had only sent one bill for card ending XXXX and that bill had been satisfied. I contacted my bank and they said the amount of {$560.00} had been paid on XX/XX/2022 and it had been taken from my checking account. I have been fighting with the credit card company and get nowhere. They said the disputes I filed with them had been investigated ( two different times ) and I was responsible for the charge.I have the paperwork from the merchant and my bank stating this bill has already been satisfied.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/22 I received a notification of two hard inquiries from XXXX  - XXXX XXXX XXXX XXXX XXXX as well as one from XXXX. I've contacted both to report fraud and cancel the applications. Also all the appropriate steps were taken such as freezing my credit and creating identity theft alerts at all 3 credit bureaus. Equifax who XXXX XXXX and completed their dispute with the results that the inquiry was " factual. " XXXX was great about investigating and removing the inquiry almost immediately. I have high hopes for XXXX. 

Thank you so much! You guys rock for what you do!
Complaint sub-issue: Debt was paid

I keep getting calls from XXXX XXXX of Credit Collection Bureau, repeatedly calling up to 3+ in a row daily. I have received a letter in mail from XXXX on XX/XX/19 with a copy of old invoice that clearly states {$0.00} balance owed to XXXX XXXX XXXX in XXXX XXXX, CA. The balance was paid several months ago directly to XXXX XXXX XXXX. 

It should never have been given to any collections agency. Even a monkey could tell that the invoice they mailed reads {$0.00} balance. It is verifiable with a bank statement and directly can be confirmed with XXXX XXXX XXXX. The medical facility was paid in allocated time allowed before any debtor is notified. 

XXXX XXXX of Credit Collection Bureau is inflicting harassment with malicious intent. I have answered a call without speaking and she starts talking to me as if she knows me personally. Neglecting to state who she is or reason for calling. Then ends the call by saying I will trying again tomorrow, good bye. 

I am XXXX and feel this is violating not only FDCPA, but also my rights under ADA.  Providing no form of accessible communication to inform either company of the issue. Other then a phone number to call or to answer the annoying repeated phone calls. I can not speak clearly or for long on phones without pain because I have XXXX XXXX. The business, Credit Collection Bureau, and XXXX XXXX personally, is strongly in violation of FDCPA and ADA. 

In consideration of the several months time span between paying directly to XXXX XXXX XXXX the remaining balance on account and receiving letter from XXXX XXXX of Credit Collection Bureau. I am now suspicious that it is a scam to collect money from myself, potentially others that do not actually have a debt owed to any business. In the attempt to fraudulently collect funds already paid.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I gave the company Dick O'Neal information that the debt that they were collecting was discharged in Bankruptcy. They verified the information last year and changed the information on my credit reports. Now they have went back and mark the credit lines items as being an 180 days  late and made them as active on my credit reports.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$3100.00}.

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 ) -- OPEN ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 Days but no response yet. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach.
Complaint sub-issue: Their investigation did not fix an error on your report

Timeline : * On approximately XX/XX/2020, I received a letter from XXXX XXXX XXXX ( " XXXX '' ) dated XX/XX/2020 informing me that the servicing of my mortgage had been transferred from XXXX to XXXX effective XX/XX/2020. The letter stated that my unpaid principle balance was for {$12000.00}. ( copy enclosed ) * I promptly sent a check for the amount of {$12000.00} to the address indicated for payments. 
* Check was returned * A statement, dated XX/XX/2020 was sent to me with the final payoff figures totaling {$12000.00}. I, again, promptly sent in another check with the amount indicated to pay off the loan. ( copy enclosed XXXX In a letter dated XX/XX/2020 I received a letter congratulating me on paying off my letter in full with a payoff date of XX/XX/2020. ( copy enclosed ) * On XX/XX/2020, my credit card company informed me that my credit score had suffered due to a " delinquent status '' as reported by XXXX coincidentally on the same date as my payoff date or XX/XX/2020. My credit rating dropped from XXXX down XXXX points to XXXX. 

*I promptly called XXXX the same date and talked with several representatives ( the one I started with was " XXXX '' ). I was informed that XXXX did not report to the credit bureaus and, in fact, were prohibited by law under the Real Estate Settlement Procedures Act " RESPA '' - the first I had heard of this Act. I was able to convince them that they did indeed do the reporting and was told the only way to " fix '' the mistake was to file a dispute. I promptly did and also filed a dispute with all credit bureaus, The initial delinquent status was removed but my credit rating did not recover to XXXX. 
* On XX/XX/2020, XXXX again reported me as delinquent ... ... I immediately called XXXX and they were as dumbfounded as me ... perhaps more XXXX than founded ... ..I was told that they would immediately start working on it and that I would not have to file a dispute as they recognized that they had a reporting issue .... 
*Today is XX/XX/2020 - I just completed yet another call with XXXX and spoke with " XXXX '' who informed me yet again that there was no way they had reported it.. After encouraging her to read my file she put me on hold for several minutes and then informed that the person who was working on it " was away from his desk ''. 
*To summarize - XXXX is continuing to report me as delinquent on every scheduled payment even though 1 ) the loan was completely paid off on XX/XX/2020 as even they acknowledge by letter, 2 ) I STILL have not received my lien release ( they informed me it as in process ), 3 ) My credit rating has suffered severely dropping from the highest percentile to " average '' through no fault of mine, and 4 ) They are PROHIBITED BY LAW to report anything to credit bureaus within the first 60 days of transfer. 
I NEED HELP AS THEY ARE TO INCOMPETENT TO FIX THEIR OWN MISTAKES.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/2018 XXXX XXXX I have called and wrote this company in reference to the above inquiry in which I did not submit for them to verify the inquiry, but nothing has been done in reference to reporting accurate information to the credit bureau. I am a victim of identity theft and I am requesting that this inquiry be deleted as soon as possible.
Complaint sub-issue: Trouble getting information about the card

I received a US Bank XXXX  payroll card from my employer. I am XXXX and use a special landline service for TTY calls, closed caption. Due to my XXXX, I do not have a cell phone. US Bank is refusing access to my account without a cell phone number for verification. I have filed multiple complaints with US Bank over the phone and in writing. There has been no resolution for nearly a month. With this block, US Bank is refusing access to my funds, funds balance, the ability to set the PIN number, refusal to withdraw funds, refusal to allow me to use the debit card, and so forth.
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. I understand the Covid-19 going and its tough right now. section 611 ( a ) its is plainly stated that a failure to investigate these items within 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. my information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Problem making or receiving payments

I want to setup a auto withdraw but always come up with an error
Complaint sub-issue: Reporting company used your report improperly

15 usc 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it is also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on my credit card account under an open end consumer credit plan as late for purpose.