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

( XX/XX/XXXX creditor name XXXX XXXX individual account XXXX $ Owed Stating that the account has been overdue by 120 days and is writing a charge off the account for taxes purposes XX/XX/XXXX opening date limit XXXX $ monthly payment XXXX $ ) this is all the information I gathered from my derogatory mark on my credit report affecting my credit score because of a this fake account or this whole report I am completely unfamiliar with me ( XXXX XXXX ) this information on my Credit report is false and it doesnt match my records
Complaint sub-issue: Information belongs to someone else

This is the first time ihave had identity theft. Im not sure the reason behind this, but i pulled my credit report and these are a couple of fraudulent accounts that do not belong to me. I have alread y submitted a request to get these things removed. Someone is using my identity without my consent. Please remove these items as soon as possible.
Complaint sub-issue: Problem during payment process

Complaint : A US Bank customer service rep directed unfair and derogatory states to me during a phone conversation. Her statement, " The payment you made to your credit card is on hold, because XXXX XXXX can be done this way. '' Facts : On XX/XX/2018, I made a payment of {$13000.00}, to payoff the balance of my US Bank credit card account ending in # XXXX. This transaction was done on the phone, facilitated by an account specialist. She transferred the amount from my US Banking checking account to pay off the balance. ( Those funds came from my external XXXX XXXX investment account which was already held for three days and funds were now available to use ) She said the payoff balance was paid in full. 

On the morning of XX/XX/2018, I checked the account online and I noticed the available credit was only {$1100.00} for an account with a credit limit of {$13000.00} that had been paid off in full. I called to speak to a US Bank customer service at approximately XXXX am to get clarification. After a few minutes of conversation and investigation she informed me that, there is a hold on the account because my transaction was out of the norm for my account. I explained to her that I did not think it was fair and I was not told this would happen when I made the payment. Part of her explanation was, The system flagged the transaction, and that money laundering can be done this way!
Complaint sub-issue: Account status incorrect

To Whom It May Concern ; I would like your office to investigate the following. I paid in full an amount owed to XXXX XXXX XXXX XXXX in California, which was submitted to a third party collection agency, XXXX XXXX. In addition to the payment, I made 4 copies of the money order as proof of payment, because I knew I could n't rely on the collection agency to report the payment to the bureaus and have it removed from my profile. I mailed it to the collection agency and the 3 credit reporting bureaus on X/XX/17. As of today X/X/17 the debt is still listed on my XXXX XXXX profile as unpaid. 

Additionally, I filed a dispute with all 3 bureaus regarding a co-borrower account that belonged to my son, who did not have my written authorization to use me as a co-borrower. Nor did the apartment complex XXXX XXXX have my signed authorization to use my information as a co-borrower. If they would have had my full and complete information the transaction would not have gone through. The apartment complex has not and can not furnish any proof of my written consent, yet they still insist the debt is mine. My son has since paid the debt in full ; yet the collection agency XXXX XXXX and the apartment complex refuse to remove the account for my profile. It seems like the collection agency is looking to get paid twice. Which I 'm sure is a common practice with collection agencies. 

Both of these are having a negative impact on my credit score and I am determined to get all of my debts paid off. The 3 credit reporting agencies and the collection agencies are n't acting in the best interest of me as a consumer, because they are not enforcing the rules and regulations which require the fair and accurate reporting of my debts and payments. 

If you could look into and help me resolve this matter I would be grateful. 

Sincerely, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

After extensive research I have become aware that your company is in direct violation of a number of federal and state laws including the FCRA, Fair Debt Collection Practices Act. Your company is in violation of Title 18 U.S. Code 1951, Interference with commerce by threats or violence and my 4th amendment right to privacy. Im seeking immediate relief for the inaccuracies and damages caused by your company. Below is a list of accounts that your company has published WITHOUT my written consent. 

XXXX XXXX XXXX XXXX  Opened XXXX -- XXXX XXXX XXXX XXXX 
Opened XXXX {$300.00} XXXX XXXX XXXX  Opened XXXX {$400.00} XXXX XXXX XXXX XXXX 
Opened XXXX {$420.00} XXXX XXXX XXXX  Opened XXXX {$480.00} XXXX XXXX XXXX Opened XXXX {$540.00} XXXX XXXX XXXX Opened XXXX {$620.00} XXXX XXXX XXXX Opened XXXX {$850.00} XXXX XXXX XXXX Opened XXXX {$990.00} XXXX XXXX XXXX Opened XXXX {$1000.00} XXXX XXXX XXXX Opened XXXX {$1100.00} XXXX XXXX XXXX XXXX 
Opened XXXX {$1100.00} XXXX XXXX XXXX  Opened XXXX {$3500.00} Open credit card accounts XXXX XXXX {$620.00} out of {$500.00} 125 % XXXXXXXX XXXX XXXXXXXX XXXX {$250.00} out of {$300.00} 85 % Inquiry details XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Missed Credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on-time 1 Missed Other loans XXXX XXXX XXXX Currently late 6 Missed XXXX Currently on-time 1 Missed
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$150.00XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX : {$520.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX  Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

Account Name : Dept. Ed XXXX. Account Number XXXX ( both accounts ) Account Name : Dept. Ed XXXX. Account Number XXXX ( both accounts ) Violation Reported : missing reporting payment dates. 
Violation Reported : reporting dates states OK, to 90 days, to OK days late.

Violation Reported : account datesXX/XX/XXXX, 90 days late.

Violation Reported : account dates, XX/XX/XXXX, no reporting.

Violation Reported : account datesXX/XX/XXXX no reporting.

Violation Reported : account dates XX/XX/XXXX no reporting.
Complaint sub-issue: Debt is not yours

A company called AFNI ( XXXX ) keeps calling me and asking for someone else. I've told them repeatedly it's the wrong number, but then they start harassing me about whether I know the person and whether I have contact information for them. I don't even recognize the name, and I've told them to stop calling, but they keep calling me. How do I make them leave me alone? This feels like harassment.
Complaint sub-issue: Received bad information about your loan

I, like many other consumers, recently was informed my Federal Family Education Loans ( FFEL ) do not qualify for the Public Service Loan Forgiveness program. I have consistently been making monthly payments on my XXXX and XXXX school loans for 11 years, during which time I have worked only for non profit employers. My loan has been serviced by a number of companies, including Nelnet, XXXX ( formerly XXXX ), and XXXX. Throughout the course of paying back my loans, I would call from time to time to inquire about repayment options and to ensure I was utilizing the best option for my income and financial situation. I was told, on more than one occasion, by more than one of the loan servicing companies, that my loan would qualify me for the PSLF program after I made the XXXX consecutive payments. I now know, that is inaccurate information. I could consolidate my outstanding balance to the appropriate loan type, however, the XXXX consecutive payments would start over.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX Account # 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: Can't decrease my monthly payments

I have XXXX issues I 'm dealing with per my student loans, the first issue is regarding late payments being reported while, my loan was transitioning to another lender and this issue is putting a big affect on my credit. I contacted XXXX whom advised they would updated the information on their side, however, the late payments are still showing on each credit bureau profile. The second issue was when i applied for lower payments and I was given a forbearance for a year with out lower payment amount. This is not helping me because these loans are atill gaining interest while in forbearance. Can you assist in my two request?
Complaint sub-issue: Information belongs to someone else

I applied for a loan today XX/XX/2020 and I did not qualify because apparently there are accounts reflecting badly on my credit report. None of those accounts belong to me and I never allowed anyone to open them in my name. I have no idea who opened these accounts on my behalf without my permission but I have already filed a police report. I did not gain anything from these accounts that were opened in my name without my permission nor did I ever make any payments towards these unauthorized accounts. I do not have any written/verbal contracts with any of these companies.
Complaint sub-issue: Debt was paid

I had a debt with XXXX in which they doubled my bill and charged for a month of service I didnt use. I settled with XXXX in XXXX of 2020 for {$53.00} dollars, and that I was told made it paid in full. I paid and my credit score went up in response. Now, 6 months later, they decide to bill me for the same amount I settled for in XX/XX/2020. I do not owe XXXX anything. How can I trust a company that does this? If I paid again, would they wait another 6 months and bill me again? 
XXXX is a horrible company that gouges their customers at every turn.
Complaint sub-issue: Debt is not mine

I shared an account with a XXXX who is a friend of mine on a cable/internet account with XXXX. I left the residence and the account remained open for mea friend. After he closed it, they apparently did n't receive their equipment back so they issues a collection in my name since my roommate moved back to XXXX and is unreachable. 

I have been trying to pay it as basically a nuisance fee because it 's impacting my credit score. I am currently trying to buy a house in my community but my loan is impacted by this issue. I spent more than an hour and half on the phone with them today being transferred more than 5 times. Most recently I have not even had a customer service representative on the phone for at least half an hour. 

I want to pay the debt, though I want a guarantee that they 'll issue a correction and a letter of deletion but I ca n't even get someone on the phone. 

I find it incredible that they can impact my credit score and thus my ability to take out a loan but wo n't answer a call to accept payment.
Complaint sub-issue: Billing dispute for services

i just find out that on my credit borough reports i have 3 collections in a small amount in a total of {$450.00} 1. XXXX/XXXX  XXXX, $ XXXX-XX/XX/XXXX, 2. XXXX XXXX XXXX XXXX, $ XXXX-XX/XX/XXXX, 3. XXXX XXXX $ XXXX-XX/XX/XXXX. 

I don't know what is about, i just can guess according to original creditors names ( whish i found on credit reports ) that its medical outstanding bills. I never received any letters/notices from Collection/Or-and/Original creditors that i own some money. 
I am a medical provider too, in case i want to put patients for the collection I am always mail them certified green mail card which must be signed by the patients. Then i am allowed to put patients for collection because i have received proof that the patient received a notice. A few month ago some collectors was trying to call me about some outstanding amount, they just verified my name, but when i asked them Can you please email me or mail a bill/statement from original creditors so i can Verified where is the source of my outstanding but I WAS HANG UP THE PHONE immediately, for me looks like that just they just want verified my name and its more than enough to put me in a collection.

Another way, because i have very valuable time I would like to pay these outstanding balance and forget about this., and unfortunately i am unable to do it because when i have clicked on XXXX  , Equifax , and XXXX  collection names I DO NOT HAVE ( website link ) an OPTION to pay it OFF. I did search by creditor names on line and its brought me to their subcontractors websites where they offer some some credit card and other things.

For Example on XXXX  Credit Borough I have clicked DISPUTE button and its brought me to : XXXX XXXX XXXX XXXX Its Not fair to me, like i mentioned above i would like to pay OFF a balance i have and even not to thing what is about. BUT i do not have an options to do it on their website. I have made a few calls by the name i found of my credit reports and i was switched to companies who offer some services to clean up a history for monthly fee etc.

1. The reason is it has to be removed from XXXX, Equifax and XXXX  that is NO link from original creditors/or collection agency to PAY OFF a collection Balance.

2. XXXX, Equifax and XXXX  must have received a confirmation from original creditors that debtors have received a notification ( NOT just phone calls to verified the Names and hang up the phone after )
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing these items on my report that I don't recognize, I don't have any dealings with them so this time I'm seeking help from the FTC to get these things removed from my credit report. This is now being investigated by the FTC so I hope the credit bureau would also cooperate.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the Equifax data breach and may have got into the hands of the wrong person. 

XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX ( XXXX ) XXXX Reported : XXXX XXXX, XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 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 Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 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: Account status incorrect

I have 9 Federal student loans with XXXX XXXX XXXX XXXX. ( Totaling {$30000.00} ) When I graduated the loans remained in deferment for a period of time. I was NEVER notified when loans became due for repayment. Once this was discovered, I called XXXX XXXX XXXX to rectify the issue. I was informed that the issue was resolved yet my credit rating does not show that. XXXX XXXX XXXX   states my account is past due for 4 months ( XXXX ) in 2017. I have disputed this with credit bureaus. While the results state there has been an update, the credit reports still show the late payments. There have been no late payments and the account is up to date since speaking directly with XXXX XXXX XXXX. I do not believe I should be penalized for not being informed when the loans became due. I made a good faith effort to resolve the issue yet continue to be penalized due to the credit reporting. 
I would like the credit report to be updated to reflect no late payments.
Complaint sub-issue: Information belongs to someone else

Filed a Ide.ntity Theft Report and sent a copy to Equifax Credit Bureau, on XXXX XXXX. I attached the Identity report as well as a copy FCRC 605 forms. As of the to XXXX XXXX, report hasn't been updated or information removed
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Complaint sub-issue: Card was charged for something you did not purchase with the card

The Economic Impact Payment Card Issued by Money Network, XXXX, was stolen in U.S. mail on or before XXXX/XXXX/2021. 
I was unaware whether i get the card or check s I inquired IRS. I received the letter from IRS about XXXX/XXXX/2021 and i found out im getting the card. So, i requested the replacement card same day. Then I got the replacement card on XX/XX//2021 and found out card was emptied and had only {$1.00} left. The card was spent by suspect at XXXX store mostly the amount of more than {$2300.00} in 2-3 days, The police report was filed on XX/XX//2021 and the report was approved on XXXX/2021.The investigation was initiated by the police and I have talked to the private investigator. They looked at the security camera at the sotre but they couldn't identify the suspect. 

I filled the complaint to the card issuing company on XXXX/XXXX/2021 and I sent the police report and explained everything about what happened. but they denied my complain and didn't explain why my claim was denied. I filed the appeal for the denial on XXXX but after 6 months they haven't processed my appeal. I also refiled the appeal again on XXXX/XXXX/2021 but I got no response from them
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

I purchased a car from Carvana in XX/XX/2019. Carvana guaranteed that it would register and inspect the vehicle. It failed to do both.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DPT ED XXXX {$300.00} DPT ED XXXX XXXX {$53.00} XXXX {$370.00} XXXX {$180.00} XXXX {$1100.00} XXXX XXXX {$9000.00} XXXX XXXX {$8400.00}