Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

Leased XXXX XXXX XXXX in XXXX via Tesla Finance LLC. Before the end of the lease, decided to purchase the car and reached out to Tesla ( XX/XX/XXXX ) for final purchase price of {$63000.00} ( Exhibit A in attachment ) On XX/XX/XXXX, wired funds of {$63000.00} to Tesla. Payment recorded against my account. On XX/XX/XXXX, Tesla auto-charged my bank account for the amount of {$1300.00} for the XXXX lease payment even though I paid off the car. Tesla confirmed that I would receive a refund when they sent me the Title to the car. ( See Exhibit B ) Received the Title to the car and a copy of the Bill of Sale on XX/XX/XXXX. Per Tesla, the buyout amount was miscalculated and I overpaid them by {$980.00}. ( See Exhibit B & C ) I have had corresponded with Tesla Finance multiple times since XX/XX/XXXX regarding the buyout of the lease and when I should expect to receive my refund of {$2300.00}. Each Tesla representative promises to fix it but as of XX/XX/XXXX, it has not been resolved. ( See Exh D for 4 pages of email correspondence ). I am now seeking CFPB 's assistance in this matter. I have attached copies of the documents referenced in my email. 

XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a victim of fraud and requesting the following fraudulent inquires to be removed from my credit profile. These fraud inquires have were never authorized by me. XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXt XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX.
Complaint sub-issue: Debt was result of identity theft

I found out that in 2018 a eviction record was placed on my name. 
While i never even lived at the addres XXXX XXXX XXXX. 
I called the property and they directed me to a different agency. 
Where i was told, that someone used my name to sign it. 
And used my personal information. Back then i was going through a divorce. 
so only one who ever had access to my personal information was my ex husband. 


Also now the problem is, for an address i never lived at. it causes now issues for me to get a new home. For something i not do, and was not aware off. 

The company in question is not very helpful. they say be more careful with your personal stuff, now you have to pay. 

I am not willing to pay for a fraudulent activity and have a falsely eviction on my name, due the fact someone used my personal information for personal gain. 
and i am now the victim. 


Company involved is XXXX XXXX IQData Inc. who i think is handeling this. 

Also called them, the guy i spoke to said. will make a note that it is fraudulent and file reports But sorry how does this help me get this of my records
Complaint sub-issue: Information is not mine

I have contacted XXXX Equifax and XXXX multiple times to reports multiple inquiries on my accounts are not mine and not authorized. To no positive outcome they keep telling me there is nothing they can do. This issue is deeply affecting my credit and is unfair to me. I would like for these unauthorized inquiries be removed.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX/XXXX/2021, I disputed multiple FDCPA violations on my credit file and they have yet to address this matter for me. I feel like Im being taken advantage of and its becoming really exhausting and frustrating.
Complaint sub-issue: Information belongs to someone else

I received a letter from XXXX XXXX dated XX/XX/2017 and less then 1 week a collection was placed in my credit reporr in a clear violation of the FDCRA but the worst part is that XXXX amd EQUIFAX allowed XXXX XXXX to place an incaccurate account open in a lapse of time I was not living in the address and obviously opened using my identity. 
The date show XX/XX/2017 and during that period i was in a shelter for over 1 year since XX/XX/2017 as shown in a residency letter. 
The account number is XXXX as appear in the collection letter for XXXX with XXXX as original creditor. 
XXXX AND EQUIFAX violate the FCRA by allowed the collector to place imaccurate and false infornation in my credit report without any supporr or verification.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with product or service terms changing

Equifax acting in a negligent manner in safekeeping my and numerous other personal information and should make reparations to all individuals affecting by this grievous inaction to safeguard the consumer.
Complaint sub-issue: Their investigation did not fix an error on your report

Since it now appears quite clear that your VERIFICATION is erroneous and you NEVER contacted the Bankruptcy court in the first place, I am making a direct demand under 15 U.S.C.A. 1692g ( b ), that your firm provide the following VALIDATION of information regarding HOW and WHAT you are reporting on my credit report in regards to this erroneous Bankruptcy. Please supply the information below so that I can be fully informed : The name and address of the Court Clerks office contacted for verification. The Phone and Fax numbers of the Individual or Department from whom you obtained this information. Provide standard procedure for verification and validation of disputes filed under the FDCPA and FCRA. Provide me with a COPY of the information that this Court of Record has provided to YOU in regards to this erroneous verification of the disputed Bankruptcy. You have 5 days to acknowledge in WRITING the receipt of this 15 U.S.C.A. 1692g ( b ) dispute and 30 days to provide the information requested above. If you can not or choose not to pursue this matter, provide me with a written notice of ITEM DELETION of the Bankruptcy Record in question within the next 14 days.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax, XXXX, XXXX  are not following the rules of the FCRA by providing me with verification of this debt, nor did Equifax, XXXX  or XXXX  correct the information on my credit report.
Complaint sub-issue: Didn't receive notice of right to dispute

This Collection agency XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX, started to contact me by phone to harass me about a debt and also just followed up with a letter. 
They have not yet validated the debt. 
I did request via, email, fax and regular mail that they validated the debt they claim I owe before they continue to harass. 

I'm also concern that since they use unethical practices they will attempt to report this unvalidated debt to the credit reporting agencies. 

I want them to cease any debt collection until they can validate the debt and allow me to review all the documents that they will provide.
Complaint sub-issue: Trouble with how payments are being handled

I am a XXXX XXXX working to repay my XXXX school loans via the Public Service Loan Forgiveness program. My DOE loan servicer, XXXX, doe n ot process my income updates each year for the REPAYE, income based repayment, timely. As a result, I am placed in forebarence each year for months, which prevents me from making a monthly payment towards my 120 payments needed. I have always filed months ahead of time, and each year it takes them 100+ days to process my request.
Also I was mislead about
which type of plan I shoudl be on. I have never missed a payment, yet I was never told that the payments for the first 18 months did not contribute towards PSLF. Those payments were 5-10x higher than my current IBR payments. I should get credit for these higher payments I already made towards my loan.
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 has violated my right 15 u.s.c 1681 section 604 a States I have the right to privacy 15 u.s.c. also states a consumer reporting agency can not furnish a account without my written instruction
Complaint sub-issue: Investigation took more than 30 days

I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Complaint sub-issue: Information belongs to someone else

had ID theft done hacking, sent all reports I had to move this has taken over my life SENT FTC, cfpb complaints noone will help just turn down after turn down not taken in consideration of the ID theft Banks telling to remove my fraud alert uneducated people that these people have hired that don't even belong in a branch have you guys really ever shopped your own banks? 
Walk into one very rarely do I get a trained profession. Cutting pay for what? to get people that don't XXXX about banking? You guys are the bread and butter of the American economy but you rather cut pay and make the government spare your expense cfpb should be the higher ups of the banks protect our economy not try to XXXX us. YES its sad to walk around with the knowledge I have and walk into a bank. XXXX when people are put in the wrong position I'm sure XXXX XXXXa wouldn't be a very good RB or XXXX XXXX a great WR, so put people in the right position to succeed. STOP having the government monitor every. You guys owe it to us get this stuff right no reason why you guys only do something b/c youre afraid of the cfpb do it b/c its the right thing to DOOOOOO
Complaint sub-issue: Unexpected increase in interest rate

Interest rate on my Sears Master Card with Citi Bank is way to high as my credit score is XXXX.
Complaint sub-issue: Trouble with how payments are handled

I have a civil rights legal dispute with my school. The Federal Office of Civil Rights at the Department of Education is evaluating if I was discriminated or not. I complained because I consider I was dismissed under pressure by the school. I refuse to sign any document that allow them to say I was accepting that dismissal decision. The student loan management company, NELNET, is asking me for initiate the payments. I said to NELNET that I can not star to pay my student loan because I am consider myself still as student and I am waiting the decision by the Civil Rights Office at the Department of Education. But the loan management company NELNET continue flooding my mail and email with letters and threats. That is why I am complaining at the CFPB against NELnet.
Complaint sub-issue: Information belongs to someone else

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I am identity theft victim. I do not recognize these accounts. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Complaint sub-issue: Their investigation did not fix an error on your report

Please find letter dated XX/XX/XXXX, from XXXX XXXX for the amount of {$260.00}, Please find my dispute letter sent to them by certified mail and dated XXXX.which they never responded, the debt was never verified.I then disputed this debt with Equifax, please find  attached letter sent by certified letter dated XX/XX/XXXX, outlining the reasons that this debt was never verfield. Please see Complaint number XXXX for XXXX.
Complaint sub-issue: Information belongs to someone else

These are not my accounts, addresses, nor did I authorize these companies to pull my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

Update for : XXXX. 

Received a final reminder before my access expires. As previously stated in XXXX I do not have access to my Equifax credit-report. Therefore, keep this and all accesses available to me so I can view after this problem has been resolved. 

Attachments : 1 ) Equifax reminder email 2 ) Screen-print of the Equifax website error-message.
Complaint sub-issue: Problem with customer service

I have been trying to apply for XXXX XXXX XXXX XXXX ( XXXX ) since XX/XX/XXXX. I originally submitted the XXXX application to XXXX in XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, XXXX qualified payments dating back to XX/XX/XXXX, but failed to qualify any of my employment between XX/XX/XXXX to XX/XX/XXXX, and from XX/XX/XXXX to present. My Federal student loan transferred from XXXX to MOHELA on or about XX/XX/XXXX, and on XX/XX/XXXX I uploaded the XXXX form, dated XX/XX/XXXX, with the explanation that the form was not completely processed. When MOHELA processed the form, they marked it as a " duplicate form '' with no action taken. I called MOHELA on XX/XX/XXXX when I received a status notification, explained again that the company did not action the form properly, then was asked to resubmit the form for another review. MOHELA validated my XXXX employment from XX/XX/XXXX through XX/XX/XXXX, but failed to validate my XXXX XXXX XXXX  from XX/XX/XXXX to XXXX. I contacted MOHELA again on XX/XX/XXXX to complain and request they validate my XXXX XXXX service. I was asked again to resubmit the form for review. MOHELA later marked the form as " processed '' with no action. I called MOHELA again on XX/XX/XXXX to complain for a third time. A supervisor in their XXXX Department reviewed the documents I uploaded on the previous occasions, confirmed I completed the forms properly, and was confused on why the XXXX XXXX service was not validated. I was asked to upload the form again, and it is still pending action ( status : processing ). To date, I have XXXX eligible payment, with only XXXX identified as qualifying. When the COVID forbearance expires at the end of XX/XX/XXXX, I will be required to resume payments each month until MOHELA validates my qualifying employment and completes the XXXX application process I started more than a year ago.
Complaint sub-issue: Account status incorrect

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021
Complaint sub-issue: Information belongs to someone else

These accounts don't belong to me. Please remove them form 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 XXXX XXXX  Date of inquiry : XX/XX/2021 This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

4. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/2021 This is not mine. 

5. Identity Theft THD/CBNA  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  Account Number : XXXX This is not mine.
Complaint sub-issue: Their investigation did not fix an error on your report

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and or deletion of these items. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willfully misstatements or omissions of material facts constitues a FEDERAL CRIMINAL VIOLATIONS punishable under 18 U.S.C. 1001. Additionally these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by the FTC.
Complaint sub-issue: Debt was discharged in bankruptcy

My deceased husband had a Sears credit card, and I was an authorized signer. My husband passed away, and I declared bankruptcy. My bankruptcy was discharged by the court. Citibank/Sears continues to report the debt to XXXX and XXXX XXXX. My husband did not have any assets. Citibank has no legal grounds to collect this debt.
Complaint sub-issue: Didn't receive terms that were advertised

I received an offer from Citi Bank promising a bonus if I took the following " simple '' steps : Open a new account between XX/XX/XXXX and XX/XX/XXXX - XXXX opened my account XX/XX/XXXX. 
Fund your account within XXXX  days of opening your account- I received a deposit receipt from Citi showing my account was funded with {$76000.00} on XXXXThis amount was stated to get a {$1000.00} bonus. 
Maintain your balance for XXXX consecutive days. 
It is now XX/XX/XXXX and I still have not been credited with my bonus. My {$76000.00} is still in their bank. 
I called the Citi phone number on XX/XX/XXXX and after going through many telephone trees was finally able to speak to XXXX who after countless questions and checking my account agreed that I had met all requirements but that she would not be able to credit my account at that time since the information had to be sent to " investigations '' and that should take XXXX  days. My investigation number was XXXX. 
On XX/XX/XXXX I called again having not been credited with the promised {$1000.00}. I spoke to XXXX who said it would be some time before I received the credit even though more than XXXX  days had passed. I asked for a supervisor and after waiting a long time on hold spoke to XXXX who told me there was nobody in the entire Citi system that I could talk to who could credit my account. He stated that many people had taken advantage of the offer and their was a backlog to issue credits which could be as much as XXXX  months. I asked to talk to the " back office '' that he referred to as the entity issuing the credits. He refused. I asked to speak with the legal department. He refused. And then to add insult to injury he hung up on me. 
This is very IMPORTANT. Part of the offer in fine print states that " your checking account must remain open and in good standing from the time it's opened until you receive your bonus.Your bonus will be paid to your checking account within XXXX  days after you successfully complete all required activities. '' To me this is a breach of contract and fraudulent behavior on behalf of Citi.
Complaint sub-issue: Information belongs to someone else

my name is XXXX XXXX there are fraudulent accounts and inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the credit bureaus
Complaint sub-issue: Information is not mine

This complaint is against XXXX and Equifax and XXXX XXXX. XXXX XXXX reported to XXXX Equifax and XXXX to delete the credit card account noted above from your credit file. " In the process XXXX XXXX associated my SS # with my mother 's name and vice versa. A complaint is currently on file with Consumer Finance # XXXX regarding above-mentioned. As of today XXXX/XXXX/2015 under personal information for myself, Equifax has listed " formerly known as mother 's name ''. XXXX has mother 's name associated with my credit file. We are now in a much bigger situation, I believe with Privacy Act Laws. I have been put on hold for financing for a Mortgage Loan. Because of this situation I have also lost the opportunity to access Federal Funds to help with closing costs. This all starts with XXXX XXXX and the way information was reported to the Credit Bureaus but the Credit Bureaus will not accept documentation from me or my mother to correct this error and XXXX XXXX seems to be all over the place. I feel like no one is doing anything. These are errors that have created an identity issue. If I dispute my credit file I risk the dangers of scrutiny by Underwriters and if I do n't dispute who helps? This is a major issue that needs to be rectified immediately not in XXXX days.