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

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX BANK CARD. The dates were XX/XX/XXXX2020, XXXX2020 XX/XX/XXXX-2020 my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving into a new apt . I was under the COVID-19 SHUTDOWN and I believe I can use some help with the remove of the late payments I am currently full current yet the late marks are killing my credit score I could use some accommodation to help protect my credit .The CARES Act calls these agreements accommodations.
Complaint sub-issue: Information belongs to someone else

I have reviewed my credit report, and there is information that I have discovered which is not mine. I do not recognize this account and inquiries, and have never incurred debt with these creditors. I do not know where they came from. I do not have access to the documents related to this account, but the creditors would. 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.
Complaint sub-issue: Debt was result of identity theft

I XXXX XXXX was a victim of identity thief and therefore these collections were placed on my credit file fraudulently. 

Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Complaint sub-issue: Problem getting your free annual credit report

After I enter my personal information, i get a denial to access my yearly credit report with any agency.
Complaint sub-issue: Reporting company used your report improperly

The credit bureaus stated that XXXX XXXX XXXX account XXXX XXXX which is currently a charged off account, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the balance is inaccurate, and the Date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 604 A section 2 : The law clearly states that a consumer reporting agency can not furnish an account without my written instruction.

I havent given written permission for this company to furnish this account on my credit report.
Complaint sub-issue: Problem getting your free annual credit report

I had an online account with Equifax after my data was breached in XXXX. I was given a free TrustedID account as a result. I also setup an account at XXXX. I do not use the website often but I recently received an alert from XXXX   saying my SSN was found online and I should freeze my credit reports. I attempted to log in to freeze my credit account for Equifax but I was told to call them when I attempted to log in. 

When I attempted to change my password I get the reset link in my email account but after going through the trouble of changing it, I get the page to call them. 

Today, XX/XX/XXXX, I called and was told by a customer service rep that my account was no longer accessible because I submitted " incorrect information ''. I asked how to solve the issue and they said it was impossible. I asked for a supervisor and was told the same thing. 

I just want what they promised me, online access to my Equifax credit report.
Complaint sub-issue: Information belongs to someone else

This is my 10th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items and bankruptcy which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 XXXXXXXX XXXX  XXXX Balance : {$410.00} XXXX  XXXX Balance : {$6100.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Complaint sub-issue: Trouble with how payments are being handled

hello this school a stealing from me and other student they are making students return their stipends back to the school and adding extra charges on out accoint if we dont and also not releasing our transcript if we dont return our refunds to them
Complaint sub-issue: Debt is not mine

Here we are in XXXX and XXXX XXXX is STILL trying to collect a debt that was never meant to be a DEBT. 

First, I had an account with them from XXXX XXXX XXXX. When we moved XXXX miles down the road, XXXX told me ( in a chat log attached ), that although they HAVE DSL at XXXX, it was " capped '' off meaning, they did n't want to be bothered and it 's complete XXXX. 

So, after investigating, the contract was never signed by me or my wife for the account thus rendering the contract null and void. 

Secondly, the collection agency, EOS/CCA tried to make me feel guilty by telling me, " Well, you got the service and you should pay for it ... you would n't got out to dinner, eat and walk away from the bill would you? '' The collector, XXXX XXXX although very nice, is completely stupid. I never GOT service at my new address, thus, XXXX was UNABLE to fulfill their part of our agreement, thus, I found a faster and better service with WAVE Broadband. XXXX download, no kidding! 

So, I called XXXX again today and found out that the fee for the " special '' we had deducted when I signed up, were ADDED back to my account on XXXX XXXX XXXX 3 months AFTER my account was closed. 

They said, " well, since you cancelled the contract, you do n't get the great deal and now you MUST PAY!!! '' XXXX. 

I got service, and DID PAY while I had it. I SHOULD NOT be penalized for something they could NOT provide. That is NOT my fault.
Complaint sub-issue: Information belongs to someone else

ftc violations XXXX  Robocalls cost XXXX  $ XXXX arbitration award he Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity.XXXX  XXXX, XXXX Every state has a consumer protection law that prohibits deceptive practices, and many prohibit unfair or unconscionable practices as well. These statutes, commonly known as Unfair and Deceptive Acts and Practices or UDAP statutes, provide bedrock protections for consumers.XXXX  XXXX, XXXX Unfair & Deceptive Acts & Practices - National Consumer Law ... 

Search Results Web results FTC Obtains Record {$190.00} XXXX Settlement from University ... www.ftc.gov news-events press-releases XXXX XX/XX/XXXX - The University XXXX XXXX XXXX XXXX XXXX and its parent company, XXXX XXXX XXXX, will settle for a record {$190.00} XXXX to resolve Federal Trade Commission charges that they used deceptive advertisements that falsely touted their relationships and job opportunities with companies such as XXXX XXXX XXXX, XXXX!, XXXX, XXXX, ...
Complaint sub-issue: Their investigation did not fix an error on your report

i have asked the credit bureaus to show me how they have validated the negative accounts on my credit report. i have sent them XXXX separate letters asking them show proof that the negative accounts belong to me and to show me how they were validated. they have failed to produce any documentation providing any proof or how it was validated.
Complaint sub-issue: Information is not mine

XXXX, XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Creditor Name Inquiry Date Removed By* Type XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Jewelers XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax announced a cybersecurity incident one of the largest in history about unauthorized data access that occurred from mid XX/XX/XXXX to XX/XX/XXXX. The data breach was discovered by Equifax on XX/XX/XXXX. My data during that time frame from mid XX/XX/XXXX to XX/XX/XXXX was part of that breach. This put me at great risk and should not have happen.
Complaint sub-issue: Account terms

I have an account that 's in collections with Equifax that is not mines. 
I never opened this account and it is erroneous. What is my recourse???
Complaint sub-issue: Trouble with how payments are being handled

I have 2 federal loans and one private loan being serviced by AES. For over a years, I have been making more than the monthly minimum payment. I have asked AES by phone and in writing with each payment that it apply my payments first to interest and then extra amounts to paying down principal on each loan. Instead of doing this, it continues to apply my payments to future payments, such that my monthly payment amount is always zero dollars.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, I am writing in regards to an old credit card account I had with XXXX XXXX XXXX. I held a credit card with XXXX which was opened inXX/XX/XXXX, then closed in XX/XX/XXXX. This account I held in good standings and was never late on a credit card payment. 
The account was closed due having to file a chapter XXXX bankruptcy on XX/XX/XXXX. The account was closed and I received a discharge in bankruptcy on XX/XX/XXXX. 
This account was included in the chapter XXXX, and discharged along with other debt. All of my credit reports list my public record and reporting of the chapter XXXX discharge. 
I actually had asked my attorney if I could keep this card open to rebuild my credit but was told I could not, and that it had to be included, as all outstanding debt needed to be. I wanted to keep this card as I had never been late, nor ever missed a payment on this account. I only know the last four numbers of the XXXX acct were XXXX. I have done very well since my chapter XXXX and have a 100 % payment history. 
This account is still being listed in my Equifax and my XXXX credit reports. I have filed numerous disputes and have received no deletion of these reporting. They have also continued to update the accounts at last XX/XX/XXXX. They do not report anything about this account as far as my payment history which was perfect. It is listed as to just harass. I have gone to XXXX directly and the bureaus regarding this issue and nothing has been done. 
As stated this account was included in on my discharge. When you decide to file a bankruptcy it is a devastating report to your credit file in and of its own that lasts 7-10 years. This is the price you pay for what was done and is stiff enough penalty on its own however, XXXX has reported on this account as recently as XX/XX/XXXX and it is a violation of my discharge injection to report again on debt discharged in Bankruptcy. This account also because not removed from my report lists as a separate " NEGATIVE '' item, along with the bankruptcy therefore I am being penalized twice for this account. 
Can you please help me? As I stated I have disputed with the bureau and with XXXX so I am not sure how to get this error removed. 

Thank you XXXX XXXX
Complaint sub-issue: Information belongs to someone else

After taking a look at my credit report, I found an account that isn't related to any transactions done by me and I have no knowledge of this account. This is an error or a result of malpractice.
Complaint sub-issue: Information belongs to someone else

Hi, I sent letter requesting the original instrument of indebtedness for this account as it does not belong to me. Please provide Method of Verification and Validation of Debt for this account. In addition, the balance would be XXXX if the account was valet so there would be an error and not accurate. 

XXXX XXXX XXXX # XXXX
Complaint sub-issue: Debt is not yours

On XXXXI sent a leter 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 a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report I has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. 
My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

There are fraudulent accounts being reported on my consumer report. I never gave consent to the furnishing of this information. I have attached the XXXX identity theft reports and dispute letter that was sent via post mail since XXXX. I demand this information be deleted immediately, it is well past the XXXX days given under the Fair Credit Reporting Act 15 USC 1681c-2.
Complaint sub-issue: Trouble with how payments are being handled

I ham having a difficult time getting my loan count to be proper for PSLF. 

I have called several times to the Fedloan Servicing over 10 times in the last several years trying to get my loan count for PSLF properly done. 

Prior to XX/XX/XXXX, my payment counts had been correct. After that, they had gone through a computer system change and it seems to have taken away payments before that had been previously counted. 

My last communications with them had been on XX/XX/XXXX - I spoke with the payment counts. They said that they would re-review it. Since then though, I have not gotten any change in the PSLF counts. 

By my count for all my payments between XX/XX/XXXX to XX/XX/XXXX, one of my loans should have at least 56 that are PSLF eligible and the other one should have 58 that are PSLF eligible counts.
Complaint sub-issue: Personal information incorrect

on XX/XX/XXXX I wrote a letter to XXXX, Equifax, and XXXX asking them to delete all inaccurate personal information from my credit report I mailed in supporting documents such as current drivers license, birth certificate, social security card, current utility bill, ect. and they still failed to update my personal information. again on XX/XX/XXXX I sent a second letter to all three credit bureaus with supporting documents and again on XX/XX/XXXX a third letter with little to know result. Some information was updated and removed with XXXX, and Equifax, but nothing changed with XXXX, and XXXX has been the most difficult to work with. I even sent in a police report where my wallet was stolen that had my current drivers license, and social security card in it. 

I have continued to send letters with little to no results : XXXX letter sent XX/XX/XXXX letter sent There was a collection from XXXX that showed up on my credit report at the end off XXXX or the begging of XXXX I tried to dispute that, but that came back as verified. I have requested a debt validation letter from all three credit bureaus, and I have not received anything. I have not received anything in the mail from XXXX and I truly believe that this collection does not belong to me. 

After my wallet was stolen I started seeing hard inquiries appear on my credit report I don't know what else to do, but the information that they refuse to update or delete is inaccurate.
Complaint sub-issue: Debt was result of identity theft

I GOT A LETTER FROM TRS RECOVERY SERVICE DATED XXXX XXXX TO COLLECT A DEBT OF {$1200.00}. SOME ONE WROTE A FALSE CHECK TO XXXX XXXX ON XX/XX/XXXX IN XXXX TX XXXX. THEN I GOT LETTER FROM IRS EMPLOYMENT RELATED IDENTITY THEFT NOTICE. NOTICE DATE : XXXX XXXX CALLED THE DEBT COLLECTION COMPANY TO TELL THEM ABOUT MY INDENITY THEFT. I RECEIVED ANOTHER LETTER FROM TRS RECOVERY SERVICES DATED XXXX XXXX IN THE LETTER THEY NEED SOME DOCUMENTS, I ALREADY SUBMITTED TO THEM INCLUDINDG POLICE REPORT, FTC IDENTITY THEFT REPORT AFFIDAVIT. IN YEAR XXXX I GOT ANOTHER LETTER DATED XX/XX/XXXX FROM XXXX XXXX XXXX XXXX XXXX  XXXX XXXX LETTER TO COLLECT THE SAME DEBT AMT {$1200.00}. I CALLED THEM ON XXXX NO LADY WHO ANSWERED THE PHONE.I GAVE MY A/C NO, SHE SAID I DO NOT HAVE ANY INFORMATION ABOUT THE CASE. NOW I RECEIVED ANOTHER LETTER FROM XXXX XXXX XXXX. DATED XXXX XXXX. TO COLLECT THE DEBT. THEY ARE CALLING ME EVERY DAY ON MY CELLPHONE. THIS IS NOT MY DEBT.
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX and XXXX of XXXX I disputed with this credit reporting agency about the inaccurate reporting of collection items XXXX XXXX  -- XXXX because this Account is transferred for recovery, but is reporting a balance of {$13000.00} in a past due amount of {$13000.00}. Also, XXXX XXXX -- XXXX XXXX -- - reporting XXXX different dates of last activities. XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX and XX/XX/XXXX on Equifax. Also, there are different high balances being reported. {$7500.00} on XXXX and XXXX, {$6000.00} dollars on Equifax. This is a violation of the Fair Credit Reporting Act. So now I'm contacting the CFPB to step in and help me get this issue as of today. I have uploaded my proof. Thank you
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

XXXX  XXXX XXXX # XXXX is being reported on my XXXX, XXXX, and Equifax credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Complaint sub-issue: Trouble with how payments are being handled

Older adult students are being punished in the XXXX program. Periods of time that we are employed at a XXXX qualified employer while going to graduate school and making payments on our undergrad loans, we are not getting the credit for those payments. When the new XXXX waiver rules came out they said all payments would count. Now they have said its only while the loans were in repayment. I was told years ago that I did not have to take the loans out of repayment that I could keep paying on them anyway. I was also removed from XXXX for a period of time and told I would have to start over so I gave up until this waiver came out. This was after struggles where I asked to have the automatic in school deferment removed but it kept coming back. In addition, none of the payments made before I consolidated loans are being counted either. Lastly, if students who did not pay what they should have are getting their payments counted, why arent ours counted when we did pay?
Complaint sub-issue: Problem with statement of dispute

fcra clearly s says 7 years in general negative items must be remove to clear up my report thanx XXXX has not been clear off my report thank you
Complaint sub-issue: Account status

This credit account is inaccurate because the late payments reported are incorrect. The late payments correspond to errors committed by XXXX XXXX XXXX XXXX unilaterally and incorrectly reported payment of my auto history, this error was subsequently corrected and mailed into all XXXX credit bureaus ; nevertheless the late payments continue to appear on my credit report. I am requesting that all late payment history is removed due to this inaccuracy. This account is also showing as a collection, can you please update that information as well. The account is a lease that I am currently driving and it should not show as a derogatory or a collection. PLEASE UPDATE
Complaint sub-issue: Personal information

A wrong name and address is listed on the credit report under my personal information. 
The following personal information is not me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are hard inquiries on my credit report that are fraudulent