Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

Once I went to Fedloan Servicing a year or two ago, my credit score has declined significantly ( even though I make my payments ) every month because they continue to add thousands of dollars to my loan. I am never in default. My loan amount used to be less than 70K and now it's over 100K. How did this happen within the short amount of time I have been with FedLoan Servicing?! Additionally, the qualifying payments are incorrect. I have been paying my loan since XXXX through a qualifying employer - through working a public service position with the County agency where I live. I have not went past the 14 day late payment issue and yet my qualifying payments as of XX/XX/XXXX is for 4 years ( 53 payments ). This can not be correct. I have paid every month for about 8 years. Calling customer service is always a dreaded experience. I get the run around, I get people who are incompetent, and I get incorrect information. They do not want to do any extra work to figure out this issue. I am now going to go back to my bank and have a report done to show all my payments paid and when they were paid so I can present this to Fedloan Servicing so they can correct this error. I don't even know if my bank will go back this far but the point is, I shouldn't have to. I would like documents of dates and payments to show me specifically how they are getting their numbers. Why are they adding thousands of dollars to my loan and why are my qualifying payments so low? My interest is 5.5 % - I can't imagine this would cause a XXXX increase in my loan. Ridiculous!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

Bankruptcy : Dismissed CHXXXX on eq XXXX Bk Chapter XXXX-dismissed XX/XX/XXXX XXXX Bankruptcy chapter XXXX-dismissed XXXX XXXX XXXX XXXX XX/XX/2006 XXXX
Complaint sub-issue: Right to dispute notice not received

They called my mother 's cell phone and NOT ME. When I called to find out who it was & what for. I have NEVER received a debt letter or heard of ERC. When the collector demanded collection & told her that her company has never sent me a letter of debt.
Complaint sub-issue: Personal information incorrect

One of the major credit bureaus, Equifax, maintains a wrong record of my date of birth. The wrong data of my identification made me being rejected in many situations. As a real case happened in XXXX, I was unable to get Internet service from XXXX. I first applied via phone calls, all agents failed, and suggested me to go to a solid store in person. I did so, but failed again. My problem was escalated a couple levels in my 3 hours waiting there. Even the store manager keyed in his own privileged code trying to surpass the blockage, their system wouldn't let him overwrite the mismatch between birth year XXXX on driving license vs. birth year XXXX from credit report. I asked which one of the 3 major credit companies provided that wrong data? The store  manager replied it was confidential, they were not allowed to reveal it. I understand that your organization advises us to first try contacting directly involved company for resolution. But in my case, I really dont know which company to file complaint with. I wish you would be willing to offer help to me. Any help from you shall be highly appreciated.
Complaint sub-issue: Information belongs to someone else

XXXX provided false credit information to XXXX, XXXX  during an application. They provided mistaken credit score and other fictitious information that led the company to deny me credit. A clear violation of the FCRA.
Complaint sub-issue: Impersonated an attorney or official

Repeatedly contacted to collect debt but wo n't give sufficient details of creditor or matter pertaining to
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XX/XX/XXXX my mothers LLBean credit card was stolen from her room, As soon as we discovered it was stolen we called the credit card company and reported it, It took several calls and they decided that we needed to fill out a form explaining what charges were fraudulent. We sent the form in and after a few more calls I took over the process because it was hard on my XXXX year old mom making all these calls. I sent them a copy of the Power of attorney that I have so that mom doesnt have to deal with these things. After I sent them the POA we talked on the phone again and they told me they would remove the charges. It took a couple more calls for them to remove all the charges and the interest and fines. This whole process took 3 or more months and finally they took off all but a few charges that I paid just to get the whole thing off my plate. For a couple months the charges stayed off the bill until this month when all the old charges ( {$420.00} ) showed up again with XX/XX/XXXX dates on them. I called again to get the bill right and they told me they couldnt talk to me because they didnt have a POA on file so I sent a new POA and hope that with your help we can get this fixed for good. Please help me solve this for good.
Complaint sub-issue: Account information incorrect

Hello, I have been making monthly payment with XXXX XXXX on time to get my Loans out of default and im currently on rehabilitation. This week i get an update via XXXX XXXX that my payment history was reported as Late which caused an 82 point drop in my credit score. The previous week my balance was decreased and negative payment history was removed. I spoke with XXXX from the department of education and was advised they don't update any payments when they are in default and to contact the Credit reporting. Not sure what is going on but i need this to be updated and corrected.
Complaint sub-issue: Account information incorrect

US DIST CT Account has reached statue of limitation cant be validated {$23000.00} XXXX XXXX XXXX XXXX Validate Account {$7000.00} Us Dept Ed Validate Account/ Different dates of last activity {$10000.00} XXXX Validate Account
Complaint sub-issue: Public record

Equifax keeps verifying a bankruptcy but the courts are advisnig me they are not giving Equifax any information so I want to know how it is being verified and I simply do not want them to open another dispute to say it is verified again! 
I am super disturbed that only Equifax continues to list the dismissed bankruptcies as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, Equifax has no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you Equifax must delete this information from my credit report and send me an updated copy when this action is completed. Considering that this does not require an investigation, In advance I would appreciate your their within 14 calendar days from receipt of this correspondence.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I would like to cancel/remove the consumer statement alert appearing on my consumer credit report and my credit report as it is hindering my application for credit. I would also like to cancel/remove any security freezes and/or fraud alerts. As of a result of whatever freeze, hold, or alert that Equifax has placed on my credit report. I am unable to get my a replacement XXXX credit card even though I have an active account with this company.
Complaint sub-issue: Account information incorrect

I've submitted disputes over 10 times about my XXXX account being reported incorrectly. 

1st Issue I applied for one student loan and the student loan is paid monthly but they split my loan three ways because the one loan that I was approved for had three separate deposit dates to my school ; even though they were sent three different dates - It is still one loan that I signed off for and applied for- I didn't apply for three separate loans - So, it should've never appeared on my credit as three separate XXXX accounts. 

2nd Issue XXXX is currently with ONE LOAN reporting me as having 18 late payments for one loan and is reporting it as 3 separate loans with 6 missed payments each. Again, I did not individually go in and apply for three separate loans. I applied for one loan. Example being : Car company can't give you a loan and split it three ways and say one is for suspension, one for engine, and one for transmission. It is one car. Regardless of the multiple components it is one car. Why is my ONE loan being reported as three ; bullying me into handing me 18 missed payments for the reality of what should've been reported as 6 missed payments 3rd Issue XXXX signed off and gave me a XXXX Hardship Forbearance. Regardless of when that was submitted - Law states that any information that is supplied to support credit issues should be updated immediately. I've submitted a XXXX forbearance letter that is for the full 6 months of late payments XXXX gave me. 

Those late payments should all be blank dates on credit report because they were placed under hardship forbearance
Complaint sub-issue: Their investigation did not fix an error on your report

I have requested via certified mail, a formal dispute of  XXXX   XXXX   XXXX   XXXX  is Illegally reporting on all  XXXX  major bureaus,  XXXX , Equifax and  XXXX . I have requested that the information be removed due to per Texas  SOS debt collection must be Bonded, and although they are not a 3rd party collector, they are indeed trying to collect a debt via the credit bureaus with a " Cancelled Closed File '' per the Texas SOS. I have attached the  search results.
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing to dispute XXXX XXXX/XXXX  XXXX on my credit report. The creditor has agreed to delete this account and it is still being reported. Please delete the account.
Complaint sub-issue: Their investigation did not fix an error on your report

I reached out to XXXX 's on 2 occasions asking them to send me a copy of my signature of agreement with their company or any viable evidence. XXXX 's response to me asking my to send them the information and a full account number of the item that the credit bureau is reporting as they have no knowledge of the reporting, so being that I had disputed the 3 major credit reporting bureau on numerous time and it been a sea saw they deleted the account verified the account back & forward so I requested the method of verification from the credit company XXXX   & XXXX replied that they only send the disputes to the company. Now after going back and forward with XXXX 's they have sent me a generated bill with my name and account number but never sent a copy of a signed agreement or any viable evidence. 

PS : I'm including letter of communication
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Went to car dealerships to purchase a vehicle but was denied by all three dealers. and all three pulled hard inquires. 

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 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
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2021 to current every 30 days i have disputed and they will not fix the problem even though been taken off other two reports now they just keep updating it and not removing it even though it's not correct info and it's for something i do not owe and have submitted proof i have paid and proof email communications proof my other reports removed the collections this is severely affecting me getting approved for rental property im about to be XXXX  over incorrect info on my credit report money i do not owe and they will not remove from my credit
Complaint sub-issue: Debt was result of identity theft

I am a victim of fraud and/ or identity theft, I am disputing the items on my credit report .I never authorized, used, or benefited from these accounts or transaction in ay way
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/2020 someone fraudulently opened a account in my name with XXXX XXXX. I was told its a cable bill. Im on XXXX and live with family so I wouldnt have opened a cable account myself. I contacted the collections company to attempt to have it removed IC systems on XX/XX/XXXX and again on XX/XX/XXXX. The collection company IC Systems states that this bill belongs to me and they are going to sue me to collect a debt in the amount of {$250.00} with XXXX XXXX. This is not my account. I never opened the account. It was fraudulently opened by someone other than myself and I would like it removed from the credit bureaus immediately.
Complaint sub-issue: Information belongs to someone else

I was an authorized user on 2 XXXX XXXX credit cards. I have been removed from the cards but my credit reports have not updated.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removal of the inaccurate information about my inquiries has not been given any attention by Equifax Credit Bureau. Sending them a Complaint last time and i have not received any response up to this date. Therefore, Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here are the list of the following Inquiries and need to remove completely from my Credit Report. 
XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

I was charged by Best Buy for Enhanced Debt Protection, which I never agreed to sign up for. Since XX/XX/2018, I have been charged a grand total of {$240.00}. Attached are the statements which show this charge.
Complaint sub-issue: Information belongs to someone else

I have recently reviewed a copy of my credit report. I consumer XXXX XXXX notice that there are several inaccurarices on my report that I didnt authorize. These accounts are violating my rights according to the FDCPA. The credit reporting agency continues to violate my rights according to 15 USC 1692d " Any bad debt furnished on your reports is runing your reputation and its defamation of character. ''
Complaint sub-issue: Information belongs to someone else

I have been submitting multiple letters from XX/XX/2022 to XX/XX/2022 with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX  XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Complaint sub-issue: Account information incorrect

hello my name is XXXXXXXX XXXX XXXXXXXX XXXX I want to report that XXXX is reporting things like incorrect credit card balances incorrect credit score report on XXXX page what monthly payment XXXX is supposed to report on my credit report correct things correct balances and correct score This is not the case. Wrong payment history. There are many things that are not transparent in my report. I want it to be investigated.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My credit was ran without my knowledge or consent
Complaint sub-issue: Debt is not mine

There is a parking violation for the city of New york on my credit report and I have never been outside the state of XXXXXXXX
Complaint sub-issue: Account information incorrect

My XXXX account is being reported late 6 times for XXXX per each loan I was under the impression that I was paying one loan but it's split into three so one payment = 3 or one missed payment would be three missed on my credit,. 

My account is being reported wrong by all credit bureaus because I was in forbearance at the time that these late payments have been reported Section 623 ( a ) ( 2 ) States : If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. 

In this case, I was in forbearance during that tie and document attached proves this. By law, credit need to be reported as of this time with all information and documentation
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, I sent in a letter disputing and challenging the accuracy of the item being reported on my credit report ( see attached ). Via section XXXX letter of the Fair Credit Reporting Act ( FCRA ), I requested that Equifax provide debt validation and debt verification on this item. In addition, on XX/XX/2021, I sent in a 30 day demand letter XXXX see attached ). It has been over 30 days from the original letter and I have not received a response. This is a clear violation of consumer laws and the Fair Credit Reporting Act XXXX FCRA XXXX. I demand that this item be immediately removed and deleted from my credit report.
Complaint sub-issue: Billing problem

To Ally Legal department : As of XXXX my account remains open due to the incompetence of your procedures. Ally bank received my Payoff check from XXXX bank mid XX/XX/2022 for the car loan Ally bank did not apply the chk till XXXX. This in turn Caused my account to go past due. 

This cased my credit to drop XXXX point XX/XX/2022 and a finance charge of {$80.00} to be applied to my open balance. ( account still not closed ) Because my credit is no longer A+ your bank has caused me financial stress as I can not close my home refi. 

My new home loan is now compromised due to Ally banks error as the interest rates have gone up since XX/XX/2022. 
For these reasons, I will be seeking compensation through my attorney and any legal Avenue.
Complaint sub-issue: Debt is not mine

I was XXXX in the military when I went to the hospital in XXXX XXXX. The hospital failed to submit the bill to XXXX ( my insurance at the time ) in a timely manner. I contacted the hospital and XXXX to resolve the debt. From my understanding it was paid. I was then contacted by a debt collector ( XXXX XXXX ) in XX/XX/XXXX after they reported it on my credit report. The debt was resolved and removed from my credit report. Almost four years later, just recently in XX/XX/XXXX I was notified that the debt was bought from XXXX by Avante and the debt was still valid. I disputed it and asked for verification and they reported it on my credit report and reaged the debt to XXXX/XXXX/XXXX. I contacted the hospital and they said there is a zero balance on my account and it is too old to offer any additional information. I contacted XXXX as well and they too said that the debt is more than five years old and they also do not have a record.
Complaint sub-issue: Confusing or misleading advertising about the credit card

Received an envelope marked Not a bill or advertisement. Important information about your Economic Impact Payment. Within is a XXXX credit card and the following statement : Here is your Economic Impact Payment Card enabled by Money Network. It contains the money you are receiving from the US Department of the Treasury under the COVID-related Tax Relief Act of 2020. It claims this card is being to you on behalf of the US Department of the Treasury in place of a paper check.
Complaint sub-issue: Their investigation did not fix an error on your report

In the process of obtaining a XXXX-figure home mortgage loan, I recently had the opportunity to review a copy of my credit report at the Equifax, XXXX and XXXX consumer reporting agencies. Contained therein was an account for XXXX XXXX XXXX under account number XXXX. <P/>XXXX purchase in XXXX, XXXX - it was traded in without a single delinquency in XX/XX/XXXX With that said, the Equifax, XXXX and XXXX credit reports each contained XXXX single 30-day delinquency. This reported delinquency negatively impacted my credit score. <P/>I disputed the erroneous late payment with XXXX XXXX XXXX, in addition to Equifax, XXXX  and XXXX. It was my contention that this account was never delinquent. <P/>On or about XX/XX/XXXX XXXX caused this account to be " updated '' at the Equifax, XXXX and XXXX to show 31-60 days for the month of XX/XX/XXXX - 5 full years after the account was closed. <P/>My credit score at the Equifax, XXXX and XXXX consumer reporting agencies immediately dropped more than XXXX points as a result of a " current '' delinquency being reported. I am now in serious danger of losing my mortgage approval, in addition to a six-figure deposit. <P/>I contacted XXXX, in addition to Equifax, XXXX and XXXX to report the error. XXXX XXXX advised that the account was reporting correctly and that I should take my complaint directly to the credit bureaus. <P/>I entered a dispute on XX/XX/XXXX with Equifax, XXXX and XXXX but was advised that it would take 30 days to complete the dispute. This is unacceptable. Not only have I never been late on this account, the account is now reporting currently delinquent as if I was late in current time.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/2020 I attempted to withdrawal {$600.00} from an ATM machine at Commerce Bank on XXXX XXXX XXXX XXXX XXXX XXXX. I misread the screen and drove off thinking the withdrawal was not being processed. Upon getting home, my wife told me the request was being processed. I drove back and there was not any money or receipt in the machine or around the parking lot. 

I called the number on my debit card, XXXX and filed a dispute along with sending my bank a message online. 

I received a letter from Commerce dated XX/XX/2020, attached, which gave me what I thought to be a " boiler plate '' response. 

On XX/XX/2020 I called the debit card number and was told the investigator was on vacation and would contact me the following week. I explained that I was out {$600.00} and wished to know exactly where it went. Was the bank actually short that day? If so, does the ATM not have a camera to show that the cash, and receipt, were taken? 

On XX/XX/2020, I again called the debit card number and was told the investigator had not been able to review the case and contact me but it was in progress. 

As of this date, XX/XX/2020, I have not heard from the debt card company. I feel I deserve a more definitive answer since the {$600.00} was withdrawn from my account. 

Thanks