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

Hello! Ive had an issue with XXXX XXXX for years now. When i first purchase the car everything was fine. The car was brand new and then i start having issues with a car with 8 miles on it leaver the dealership. I started having engine issues which turned out to be a recall defect. I spoke with the dealer who sold me the car and he told me to bring it back and XXXX XXXX the car out and send me paperwork. To find they never did that. Right after that my husband XXXX and we went overseas to XXXX so i was unable to call and check bt i sent multiple emails and no response. To find out the dealer took the car back and it was sold at auction. When we got back to the stated the dealer no longer works there and i called XXXX XXXX and no one was able to assist me. The car was sold at action and stated as a write off when i called cx service bt they want me to do a settlement. I explained that the car had a defect issue and it took it back to the dealer bt we soon went overseas. I have asked for contracts and proof of sale or anything from the dealership to clear my name bt was unable to provide. I disputed it and they took it off but reopened it like 2 months later and dropped my score tremendously. I have no car to show for it and cant get another one and its hurting me and taking a toll on my Health and family. I just want this car taken off my credit bc i was tricked into sending the car back because of a recall issue and the salesman XXXX  me over and now Im paying for it and its on my credit as a repo and it was never a repo. He told me to bring it back and XXXX would pay it off for recall so i didnt want another car from them. Plus they  closed and removed it then reopened my account on my score years after my car was gone. I am no longer responsible for this loan and the car is sold and they have gotten tax write offs for it. Please help me and the company is not sending any information to me and Ive wrote letters and getting a lawyer soon. Thank you. Please remove this from my credit report please
Complaint sub-issue: Account status incorrect

XXXX XXXX has been reporting a XXXX charge on my credit report since 2015 and I disputed the charges when it happened and they never did a fraud investigation or helped me they just report on my credit Bureas that its collection charge off as if I owe the money. I am and was a victim of identity theft and they never disputed it
Complaint sub-issue: Don't agree with the fees charged

XXXX is the previous complaint that was closed. The attachments are included with that complaint. 

XXXX added almost $ XXXX in interest to my account even though I turned in my application on time. They state the application was incomplete, however refuse to point out on the instruction sheet where I did not follow directions. I was in constant contact with them because they told me a different thing every time I spoke to them. I continued to follow their verbal directions. They eventually told me to resubmit the entire application. I did and then they told me it was too late and added XXXX to my loan. 

I filed the complaint with cfpb. They emailed me and stated they should have used the previous years income before counting it as late and took off the interest they had previously added. cfpb closed the case. XXXX then added the interest right back onto my account once the case was closed with cfpb. I emailed them again, and they sent me emailed and voicemails stating they are allowed to do this and literally restarted the entire issue. Every time I try to call, they act as if they have no clue about the entire case. They are continuously trying to ruin my credit. My XXXX in loans is now up to XXXX, which I will never be able to pay because they illegally added interest. They stated again I did not have the application in on time. Which I did. They stated it was incomplete and keep telling me reasons, but none of these reasons are actually on the directions sheet.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX AGENCY : XXXX XXXX XXXX  bUSINESS TYPE : BANK CREDIT CARDS DATE OF INQUIRIY : XX/XX/2020 XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a complaint with CFPB against equifax and this complaint XXXX was closed and equifax never acknowledged the complaint there is no way that equifax and investigation regarding these inquiries. All they did was send me a pre-made letter the next day after they got the dispute stating, " THE INQUIRIES ARE FACTUAL '', this is a lie! I need my dispute to be rectified immediately and the unauthorized inquires to be removed. They is no documentation with my signature stating I authorized the fraudulent inquires. Please revert back to this dispute number XXXX from CFPB that was filed.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX XXXX and I have no acknowledge as to why or how these student loans are on my report let allow reporting as collections.I am reaching out again seeking the deletion of these items from my report i am a victim of identity theft and I did not make these accounts. i ask that these accounts be removed and my privacy to stop being violated. as a human I know things happen but i am here to inform you that my privacy is my right and I have been taken advantage of. As a human being I am protected under 15 USC 1681 ( a ) you are in violation of my right to privacy. the following is infringed upon my rights and misleading by all reporting different dates and lenders.

XXXX  Account Name : US DEPT ED Account Number : XXXX Account was opened:XXXX Account Balance:XXXX Account Name : US DEPT ED Account Number :  XXXX Account was opened:XXXX Account Balance:XXXX Account Name : US DEPT ED Account Number : XXXX Account was opened:XXXX Account Balance:XXXX equifax Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$18000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$27000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$23000.00} transunion Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$18000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$27000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$23000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Me and my family no longer have our own home due to the constant credit issues. This account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account number is XXXX. I have sent disputes for investigation multiple times. But nothing has changed in regard of this account. I sent this account for investigation on XX/XX/XXXX through certified mail. It has been more than XXXX days now, and my recent credit report ( XX/XX/XXXX ) still shows many inaccuracies and violations. A few being ; payment status says " paid " for Equifax but nothing for the other XXXX bureaus. I have proof showing that this was paid to be deleted even though it was wrongfully charged to me. I paid it just to get housing for my family in XXXX. I will attach the receipt and tracking number from the certified mail disputes. 

I'm requesting monetary relief per violation on this account and deletion. 
U.S. code 1681n ( a ) ( 1 ) ( A ) Tracking Number : XXXX XXXX XXXX XXXX XXXX ( XXXX ) " " XXXX XXXX XXXX XXXX XXXX ( Equifax ) " " XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) " " XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )
Complaint sub-issue: Debt is not yours

I have sent multiple letters asking and demanding prof of the debt and to date have not been sent any response and the debt collector has illegally added this negative account to my credit reports and demand it be removed ASAP
Complaint sub-issue: Reporting company used your report improperly

reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX My contact information is provided below and I have included proof ofI My identity. 

I contacted Equifax initially into the same probpem and they still are being fair and partial violating my rights. A proper reinvestigation was not done on my behalf and the items are neagtively affecting my credit health and i am unable to extend credit due to them not following federal laws. 
Instead of deleting the negative items that aren't mine, Equifax keeps sending me the same letters in the mail. I have several letters of the same thing.
Complaint sub-issue: Their investigation did not fix an error on your report

My Equifax report shows medical bills under XXXX that have been settled as collections. I was able to get them taken off of XXXX  and XXXX without any problems. There are also account that has missed payments dating back to 2011. I have disputed all of these issues twice with same results. It is also showing My last missed payment was a month ago and it has been 11 months since my last missed payment.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later, I have not received a response. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ) plainly states that a failure to investigate these claims within 30 days gives a reason to immediately remove those items claims from my credit report.It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation do to the stress I have been caused. My information was also impacted by Equifax data breach and may have got into the hands of the wrong person,
Complaint sub-issue: Trouble with how payments are handled

A third party had called to consolidate my student loans Fedloan Help, XXXX, CA XXXX Email : XXXX. 
They said my loans would be forgiven after 10 year making a payment of XXXX per month. I had them set up taking the payments out of my checking account starting XXXX. 
I receive\d a notice XXXX of XXXX stating my I needed to start making payments. I called the Fed loans discovering there has not been any payment made to my loan. I called Fedloan help and they informed me that they collect the money for a year then start making payments. I told them that I wanted to discontinue there assistance and will pay my loan back myself. They told me I would receive a refund. Soon I received this e-mail. 

Refund Hold Letter Hello, This letter is to advise you that your refund is approved ; however your refund is on hold temporarily. 
Unfortunately all outgoing refunds will have a 15 to 30 day delay due to lack of funds and donations to the organization. Upon receiving our next round of funding, any refund that we are holding will be issued immediately to the address we have on file. 
We apologize for the delay and we appreciate your understanding in this matter. Thank you again for your continued support in our organization and we look forward to resolving this temporary issue as soon as possible. 
Best Regards. 
Fedloan Help Team
Complaint sub-issue: Frequent or repeated calls

I get repeated phone calls from this place even after the debt has been removed from my credit report. They bought the debt from an apartment complex I used to live and now will not leave me alone with the unprofessional and repetitive phone calls. Its basically harassment at this point
Complaint sub-issue: Account information incorrect

I HAVE BEEN IN CONTACT WITH EQUIFAX ON MULTPLE OCCASIONS ABOUT THIS INCORRECT ACCOUNT STATUS. THEY CONTINUE TO IGNORE MY REQUEST. I HAVE CONTACTED THEM, THE CREDITOR HAS CONTACTED THEM AND THEY REFUSE TO CORRECT MY CREDIT FILE.
Complaint sub-issue: Account information incorrect

I have reached out to XXXX XXXX ( creditor ) a number of times as well as the 3 major credit bureaus about a balance that is being reported. The account in question is being serviced by an outside collection agency, but XXXX XXXX is reporting balance on my credit report. I am being advised by all 3 major credit bureaus that XXXX XXXX is not reporting that my account is with an outside collection agency. This account has been with an outside collection agency for several years. I have called the creditor and credit reporting agencies to no avail. Account is charged off as bad-debt but not reporting or showing as transferred or sold to collections. Please help me with this issue.
Complaint sub-issue: Unexpected increase in interest rate

USBank is increasing APR interest rates on customers with " Good Credit '' which I see is an unfair practice and then they will review after six months if I qualify for an APR reduction. As a good consumer, this looks like they are trying to increase their income by increasing my interest rate to 18.74 % which is unfair for someone with a credit score of XXXX. Based on the scoring models commonly used by financial institutions, my rating is considered " Good Credit ''. My payments were on time and always more than the minimum payment required.
Complaint sub-issue: Received bad information about your loan

My wife is currently enrolled in the Public Service Loan Forgiveness ( PSLF ) Program, and has been working at a XXXX ( XXXX  ) XXXX since XX/XX/XXXX. In XX/XX/XXXX, she submitted an employment certification form to verify her umber of qualifying payments to then be 22 in total. XXXX instead recognized 12 of these payments. The discrepancy relates to the transfer of her loans from XXXX to XXXX when enrolling in the PSLF program, not any disqualifying factors for the loans held. They are the correct types of loan, are consolidated, and she has been making appropriate and timely payments. 

On XX/XX/XXXX, we called XXXX to fix the issue. The customer service agent agreed it appeared all of the payments should be qualifying, and flagged her account for a fuller manual review to rectify the number of recognized qualifying payments. We were told this should take 90 days. On XX/XX/XXXX, we called again. We were told that it actually is a 60-90 days window, but that there is a backlog of reviews, so it could take longer, and that we should call by XX/XX/XXXX if the account didn't appear correctly online before then. On XX/XX/XXXX, we called and were told that the agent can see the review as pending in the system, that it still has not been completed, and that the backlog is between 4-5 months, and to call back " in several weeks ''. We are now at 133 days from the date of original follow up, and even further past the original date of form submission ( XX/XX/XXXX ). We have no resolution, and no one can tell us when we can expect any resolution.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit inquires that were not authorized, dont recognize it XXXX XXXX  XX/XX/XXXX US Bancorp XX/XX/XXXX 2019
Complaint sub-issue: Received bad information about your loan

I spoke with XXXX at Fed Loan Servicing employee number XXXX on XX/XX/2019 at XXXX XXXX EST. He gave me conflicting information on my eligibility for the PSLF program as well as the difference between PAYE vs REPAYE and the status of either loan if I were to take out new loans. 

I asked to speak to his manager for clarification and he refused putting me on two 5 minute holds so I could " think about it ''. When I didn't hang up he said he would transfer me to a supervisor but instead he hung up. I spent an one hour and 20 minutes on the phone and still couldn't get my question answered.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I bought a XXXX Washer Machine on XX/XX/2019. I place an order online but when I got the washer it was too big and I decided to return it, Best Buy Store charged me {$69.00} for return Delivery. While I was waiting for the machine to be pick up I tried to make an space so it can fit in my kitchen and it did. I went back to the store to cancel return, the canceled it but my {$69.00} is not on my account back. I tried to fix the problem with them but theyre saying theres no way to put that money back on my account, that is called STEALING. So I want to file this complaint because Inma not fair the easily charged me but now no money back
Complaint sub-issue: Problem with personal statement of dispute

Wrong hard inquiries on my credit report
Complaint sub-issue: Their investigation did not fix an error on your report

This unconfirmed accounts listed below continue to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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

I have new information. This is an official notice that your organization is in violation of 15 USC 1681 Section 623 ( a ) ( 1 ) ( A ). Fedloan is furnishing information on my consumer report with actual knowledge of errors. Student loans were put into a non-pay status pursuant to presidential order, the CARES ACT in 2020. Fedloan is reporting multiple 90 late payments during the covered period of the CARES ACT. 

Your reporting is lacking integrity. There is reasonable cause to believe the alleged 90 day late payments reported on Loans XXXX, and XXXX are in error. My accounts were in forbearance status and were reported in good standing in the months prior to the reporting of the alleged 90 day late payment status.
Complaint sub-issue: Account status incorrect

On XX/XX/2016 I opened an account with Discover Bank. I never ever missed a payment. I always have my account on auto pay. During my divorce, I had to cancel my joint bank account with my ex-wife and re set up my auto pay. When I realized that I had missed a payment I called right away and spoke with a representative to explain the situation. They told me that it was no issue and that all that i needed to do was provide the new account number and routing number to my new account. I provided that information accurately and was told by the rep that the payment was scheudeld for the due date. I later found out that the rep had incorrectly inputted the information into their system and because of their mistake my payment had not gone through and I now was showing up late and overdue and deliquent. I called right away in XXXX to not only recitfy the situation and tell them about their mistake but to have them look into the matter and look at their recorded tapes. I was told and confirmed by a manager that an honest mistake had been made on their behalf and that the information was inputed wrong. I gave them the account number correctly again for a second time and set up the auto pay. Not only did i bring the account back to auto pay i made a large payment and then cleared the account entirely of any balance. in fact they needed to credit me the money back. At this point I am considering legal actions and have reached out to an attorney. I would like for any delinquency to be removed from my records as it was not my fault and i am suffering damages in the process
Complaint sub-issue: Information belongs to someone else

To whom it may concern. I have been identified for another individual with the same name as me. I go by XXXX XXXX and I have been identified wrongfully and I am a victim of indentity theft. I have never signed any documents including student loans with Fed Loans Servicing or XXXX XXXX XXXX XXXX. I know for sure that my name is mixed up with another XXXX XXXX, I 've had problems with this before in elementary school and now. It is a frustrating situation to be indentified for accounts that I have never opened. I never attended any school. Please fix this problem. This is an ongoing problem and it needs to stop asap. All Fed Loan Servicing and XXXX XXXX XXXX XXXX are to be removed from my credit report. It was erased and placed back on my report and if it is n't removed for good I will have no patience or understanding and allow my lawyer to deal with you in a civil or federal court.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX has a debt listed my credit reports ( XXXX-Equifax-XXXX  ) in the amount of {$550.00} that was placed on my credit reports. They have the Address listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX  Phone Number XXXX The Collections Company XXXX XXXX XXXX is not listed when searched on XXXX or internet. There is a XXXX XXXX XXXX listed and they said they have no record of this account. I contacted the phone number and it is a automated system. I have filed a complaint on this company with the Consumer Protection Bureau ( XXXX ) I would like this collection debt removed from my credit reports because they are not mine and are not valid- I dispute this account
Complaint sub-issue: Debt is not yours

I have 3 collection medical that aren't mine I don't know who told the hospital that.. I attached a photo of the information thank u
Complaint sub-issue: Information belongs to someone else

The following are incorrect inquiries on my report. I did not authorize these. 

XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX