Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

I have disputed several incorrect items on my report with the credit agency 's all three. I've proved my case of them being incorrect and they have been removed. Then they reappear/ show up on my credit report. Try disputing again and the credit agency 's dispute results say it remains. It's already been removed and now they tell me it remains.. what's really going on. XXXX and associates being one of them. This was a debt that was bought from XXXX XXXX, which is illegal. I paid that balance to XXXX XXXX, I don't owe XXXX anything, no charge off nothing. I demand it being removed cause it's false. The second XXXX XXXX XXXX. I had a XXXX financed back in XXXX. I went to prison on XX/XX/XXXX. Upon release I filed my divorce and the judge deemed this account and several others my ex wife 's responsibility. I emailed all credit agency 's the judgement, it was removed, but appears on XXXX and equifax. The third, XXXX XXXX They bought a debt from XXXX XXXX which is illegal. When a debt is purchased from the original person it's owed to, it a write off for that person it was owed. Anytime i have been seen by the hospital i have had and gave proof of my insurance. Therefore my Debt was paid!! I don't owe XXXX XXXX  Any money and with that being said, I demand all these accounts be removed from my credit report and stay off of it!! I have proved my innocence enough for it to be removed once. It shouldn't reappear!!!!! There is also alot of inquirys I have disputed that isn't legit/ or I haven't gave authorization for that hasn't been removed as well. I will state again, once a debt is purchased from the original creditor, it's paid as it then becomes a write of for the original creditor!!! It's illegal for that person/ company who purchased the debt to pursue me to pay, and/or put on my credit report!!! I don't owe that company proof that the debt was paid by insurance because I never owed these companies anything. When they purchased the debt they should have verified it was a legit debt, not purchase and pursue me to pay. It dont matter if/ what information that company has saying it's a valid debt!! It's illegal in the first place!! I tried calling all company 's to get this settled and I've been cussed at, hung up on, just down right rudeness from them!!! All these stayed need removed from my credit report and stay off of it, I owe these companys nothing.
Complaint sub-issue: Reporting company used your report improperly

In accordance with FCRA the following creditors have violated my rights. Under 15 USC 1681 sec 602 states. i have the right to privacy. 15 USC 168 sec 604a sec 2 it also states that a consumer reporting agency can not furnish information about my account without my written instructions. Additionally any amount being disputed on credit report must come off credit report 15 USC 1681 a.1.a. 

The following creditors have violated these laws, and are currently reporting these accounts incorrectly. There are also several details on my report that are in dispute, which should not exist on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition to the above, the following creditors are reporting balances due on my credit report while being actively in dispute. These is illegal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX I have filed several dispute letter with them, and they have not replied. I have notified them that they are subject to the doctrine of estoppel by silence, and only then did they reply. 

Not one of these creditors have provided adequate proof of the debt, yet continue to report them.
Complaint sub-issue: Debt is not yours

I started disputing this company in XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that the alleged debt belongs to me. This is the 3rd time this debt was sold after proving that this alleged debt isnt mine due to the companys insufficient proof and a copy of a printout bill isnt proof this is affecting my ability to get a new home. I don't know why I'm being treated like this.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently review my credit report and there are hard inquiries that I do not recognize. This report is not being filed by a 3rd Party Credit Repair Company and this is not a duplicate complaint. Below are the unrecognized Hard Inquiries. 

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: Their investigation did not fix an error on your report

XXXX XXXX XXXX refused any communication for over a year with my lawyer who was attempting to negotiate a settlement on my behalf for the balance due on a XXXX credit card. I requested that my credit card be closed and XXXX reported the balance as a bad debt write off, yet they continue to report the balance as outstanding for the past seven years to all three major credit bureaus hurting my credit score and making impossible for me to qualify for a mortgage.
Complaint sub-issue: Personal information incorrect

This complaint is about my personal information being inaccurate on my credit report. I've called XXXX, Equifax and XXXX about them reporting the wrong addresses on my report and they haven't resolve it and refuses to fix it. 

I am seriously concerned about the wrong addresses being reported and can also can jeopardized my identity or lead to Fruad if has not already. 

This is my fourth attempt trying to get these items removed. 
I wrote XXXX letters these dates XX/XX/XXXX, XX/XX/XXXX and I am sending a letter day and I also called them XX/XX/XXXX and they did not fix this issue.
Complaint sub-issue: Account status incorrect

I have paid all my debt, accounts that were past due or closed. some were removed but others were n't. i wrote to the credit reporting and sent them copies of the letters I received that shows they were paid but nothing has changed
Complaint sub-issue: Account status

Previously, XXXX/XXXX/2015 requested EqualFax to remove XXXX of Georgia since the last reported date exceeds 7 years, and by law Equifax needs to drop or delete this account ( See attached )
Complaint sub-issue: Personal information incorrect

This is reported with inaccuracies. It's been reported 3 times. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence. I found improper inaccuracies remained as derogatory on my reports. The 3 credit bureaus did an improper investigation. This is an inaccurate address. 

According to the Fair Credit Report Address : XXXX XXXX XXXX XXXX TX XXXX violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 








XXXX XXXX XXXX XXXX TX XXXX XXXX Single family XXXX
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  XXXX CA,XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA,XXXX  ; XXXX XXXX XXXX XXXX XXXX CA,XXXX ; XXXX XXXX XXXX XXXX CA,XXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 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 4 business days after the date of receipt.
Complaint sub-issue: Didn't receive advertised or promotional terms

I received a promotional offer in the mail. The offer was for an APR 16.99 % after 12 months of 0 % interest. I applied for the card online and the application was approved, but the APR changed to 24.85 %. I contacted the company directly and spent an hour and a half trying to get to the right person that could help me. Unfortunately, no was able to help me and told me they cant change the interest rate. They also made the statement that they didnt see any promotional offer entered on the application. 

I informed them that I entered the promotional code XXXX that was on the paperwork they advertised to me. They said they couldnt do anything to help me. They also informed me that I dont have to keep the card. At this time my credit has been affected by their inquiry and will effect further applications and percentage rates. Due to the consequences I feel Citi is liable to deliver what they have advertised. Otherwise this should be considered a case of bait and switch.
Complaint sub-issue: Threatened or suggested your credit would be damaged

So Workmens Comp. case they will settle in XXXX and the debt hit my account in XXXX {$410.00} which was settle in my settlement the all medical collector bill was pay by XXXX XXXX   from their doctor that they referred me to. XXXX   XXXX is refused to pay the debt collection and claiming that they sent the check in but its been over a year now Im in fighting  with XXXX XXXX  of sending information about the collection
Complaint sub-issue: Don't agree with fees charged

I have previously submitted a report on XXXX XXXX, and now I would like to submit my complaint with Discover. 

I have XXXX Discover loans, XXXX being 8.8 % interest equaling {$11000.00} ( {$10000.00} originally ) and the other being 7.2 % interest equaling {$19000.00} ( {$18000.00} originally ). 

The problem with the loan is NOT the amount, rather the fraudulent interest rates I am being charged. Because the interest continues to compound, my payments barely eat into the principal leaving me with a bigger loan than I started. 

I make every payment on time, however it seems to make little difference if I pay more than what is due. This is ruining my credit report because my debt to income ratio looks horrible, even though I make all my payments on time. 

What this is effectively doing is keeping me from getting any sort of loan to buy a house, or put a dime back into the economy. It does appear as though this will be the case for a long while unless something is down to lower my interest rates to an acceptable level. 

Paying $ XXXX- {$1200.00} a month in student loans is not feasible when I am barely cutting into the principal and lowering the loan amount. In every case of my loans, they are now currently bigger than when I first received them even though I am paying this amount of money EACH month. This should not be allowed and is a form of loan sharking. 

I am not asking for my loans to be forgiven, however I am asking that my interest rates be put at a normal level of almost all other loans in this country at 2 % interest. There is no reason I should be suffering from an fraudulent interest rate ; students should not be punished for seeking a higher education. 

After calling each of these companies several times, I have found NO help in trying to refinance my loans. The only option I get is to go into forbearance, which would mean a lifetime of debt for me and possibly other family members. 

Please review my case and understand where I am coming from. I can not express enough how these interest rates undermine my consumer rights.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inquiries that I did not apply for nor benefit from and would like them taken off my credit report immediately. My identity was stole recently and I filed a FTC report as well to go along with my claim. Please remove the inquiries from my XXXX  and Equifax credit reports. My Information was stolen and used to apply for credit. According to 15 U.S.C 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer.
Complaint sub-issue: Inadequate help over the phone

I have spoken with the credit report agency directly and the person I spoke with gave conflicting information. Currently, I have opened disputed with XXXX XXXX XXXX as well as Equifax because they are certain that the account is mine but when I speak to them about the inconsistencies in the data that was provided. Both Equifax and XXXX XXXX XXXX state that they are sure the account is mine and leave it at that. 

I understand that XXXX XXXX XXXX is a business and need to recoup funds and Equifax is a credit reporting company but this is my life on the line and I will escalate it as far as I need to go in order to get this corrected. 

Case number : XXXX is the one that is opened for XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I have sent multiple letters asking for the method of verification that was used to very the bankruptcies that appear on my credit report. This agency has yet to respond to any of the request made to them.
Complaint sub-issue: Old information reappears or never goes away

I engaged in a loan with At Loans, had 4 successful loans and renewed the fifth terms ; filed for bankruptcy and they were notified of the case petition and protection under the automated stay have not heard a thing in close to five years ; Recent email from the company advised that they have updated credit profiles and demands payment. First I am still under the automatic stay and the statue of limitations for this loan has past in addition they knew or should have known as a matter of standard operating procedures to do a bankruptcy scrub before demanding funds on a account out of statute. I've called them twice and to no avail. This account is no longer collectible and has no legal standing in addition it is reporting incorrect information on my credit profile. They have violated several laws. The resolution I am seeking is removal of any recent information on my credit profile ( s ) ; restitution for the violations.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a regular inquiry on my XXXX  Credit report from Firstmark Services XXXX that I didn't authorize. 

After contacting Firstmark they reported that I never did the inquiry but requested additional information ( subscriber code ) that is not available in the XXXX credit report. 

Since I can't provide this information. XXXX guided me to file a FTC complain and report the complain number back to them to take further actions. 

Here is the information about the regular inquiry on my XXXX credit report : FirstMark Service XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Requested on : XX/XX/2021 Inquiry Type : Individual
Complaint sub-issue: Their investigation did not fix an error on your report

I called the XXXXEquifax after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a account XXXX XXXXXXXX on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hoping that this XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 30 days late will be removed.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and the creditors below has fraudulent accounts on my credit profile that needs to be remove immediately ; XXXX 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

This needs to be sent to XXXX, Equifax, XXXX. 

XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 62 % of this account is paid off Balance on XXXX XXXX, XXXX {$3600.00} Original loan amount {$9600.00} Account info Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Auto Loan In Washington, the statute of limitations on debt collection lawsuits is six years after the date of default or last payment on the debt account. Once a debt is past the statute of limitations, debt collectors can still attempt to collect on these debts, but they can not file a collection lawsuit .XXXX  XXXX, XXXX. If a collection agency calls about an old debt that you think is past these limits. This account is past these limits and also this was reported without my knowledge. This is bringing down my credit and should be removed from my credit report this reported to all three credit agencies and should be removed from all of them. This needs to be sent to XXXX, Equifax, XXXX.
Complaint sub-issue: Information belongs to someone else

hippa violation item no knowledge id theft victim sent po report sent cra
Complaint sub-issue: Old information reappears or never goes away

I am writing you this letter in regards to open student accounts/loans reporting on my credit report. These specific loans are reporting inaccurate balances. They have not been verified to be belonging to me. They have also, reached the reporting limit statue of 7 years. I am requesting that the following student loan accounts be removed from my credit report immediately. This is negatively affecting my score, debt to income ratio, and the process of buying a home. I will wait 14 days to ensure the removal of the accounts listed below before I proceed further. I hope that this matter is resolved in a timely manner. 
The accounts to be removed are as followed : XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX DEPT OF ED / NELNET {$430.00} XX/XX/XXXX ( 3 yrs, 3 mos ) DEPT OF ED / NELNET {$440.00} XX/XX/XXXX ( 2 yrs, 6 mos ) DEPT EDXXXX NELNET {$530.00}XX/XX/XXXX ( 2 yrs, 6 mos ) DEPT ED/ NELNET {$1200.00} XX/XX/XXXX ( 2 yrs, 11 mos ) DEPT ED/ NELNET {$1500.00} XX/XX/XXXX ( 3 yrs, 6 mos ) DEPT ED/ NELNET {$1800.00} XX/XX/XXXX ( 6 yrs, 9 mos ) DEPT ED/ NELNET {$2000.00} XX/XX/XXXX ( 4 yrs, 6 mos ) DEPT ED/ NELNET {$2200.00} XX/XX/XXXX ( 2 yrs, 8 mos ) DEPT ED/ NELNET {$2200.00} XX/XX/XXXX ( 3 yrs, 3 mos ) DEPT ED/ NELNET {$3000.00} XX/XX/XXXX ( 6 mos ) DEPT ED/ NELNET {$3100.00} JXX/XX/XXXX ( 6 yrs, 6 mos ) DEPT ED/ NELNET {$3500.00} XX/XX/XXXX ( 6 yrs , 9 mos ) DEPT ED/ NELNET {$3500.00} XX/XX/XXXX( 6 yrs, 2 mos ) DEPT ED/ NELNET {$3600.00} XX/XX/XXXX ( 8 yrs, 2 mos ) DEPT ED/ NELNET {$4300.00} XX/XX/XXXX ( 2 yrs, 11 mos ) DEPT ED/ NELNET  {$4500.00} XX/XX/XXXX ( 4 yrs, 3 mos ) DEPT ED/ NELNET {$4500.00} XX/XX/XXXX ( 5 yrs, 3 mos ) DEPT ED/ NELNET {$4600.00} XX/XX/XXXX ( 6 mos ) Missouri Southern State {$4700.00} JXX/XX/XXXX ( 1 yr, 6 mos ) DEPT ED/ NELNET {$5300.00} XX/XX/XXXX ( 4 yrs, 3 mos ) DEPT ED/ NELNET {$5900.00} XX/XX/XXXX ( 5 yrs, 3 mos ) DEPT ED/ NELNET {$7200.00} XX/XX/XXXX ( 3 mos ) DEPT ED/ NELNET {$8400.00} XX/XX/XXXX ( 6 yrs, 2 mos ) DEPT ED/ NELNET {$9200.00}XX/XX/XXXX ( 8 yrs, 2 mos )
Complaint sub-issue: Having problems with customer service

Following is a copy of my most recent letter to Nelnet : I am writing to you again to ask that you PLEASE SPECIFY WHAT YOU NEED FROM ME to show that I qualify for student loan discharge because I am on XXXX. 
I have sent you everything you asked for ( over and over and over ) and you still deny me saying you did n't get the documents. And it 's funny that as soon as I send the requested documentation ( sent them three ( 3 ) times ), you send me a letter saying you did n't them. 

I want you to BE SPECIFIC about what you need from me to qualify. If the document has a number or specific name or alpha-numeric number, please specify! 

I WANT THIS MESS CLEARED UP because my credit report is still suffering!!! We have been working on it since XXXX of XXXX ( over a year! ) and the letter states it could take up to 30 days. It has been over 325 days and that 's ridiculous. 

Also, when you recently ( XXXX/XXXX/XXXX ) bought or overtook my student loans, it shows on my credit report twice, ( which now totals the same amount three times! ) and INCREASED MY STUDENT LOAN DEBT BY {$6300.00} AS STATED ON THE ATTACHED SNAPSHOT OF MY CREDIT REPORT. Now it 's showing I owe over {$9000.00} in student loans and I actually only owe a little over {$2500.00}! Please correct my credit report duplications ( again ) which we have been working on for over a year! I only owe XXXX SET OF ( XXXX ) small LOANS, NOT XXXX! 

If you ca n't get them either dismissed ( as they should be ) or correctly listed on my credit report within the next 30 days, I plan to write your superiors and they will track who was supposed to handle this and handle it correctly. 
XXXX XXXX XXXX ; DOB XXXX
Complaint sub-issue: Debt was result of identity theft

London and London claims I owe XXXX to XXXX XXXX. The balance is well over my credit line of XXXX, part of the debt is the result of fraudulent charges and at least XXXX is questionable as it brings the account well over limit, I suspect either XXXX XXXX or London and London added on bogus charges so as to make it appear I owe more than I actually do. At least 3500 is due to fraudulent charges. Please note, I did attempt to make payment arrangements with XXXX XXXX several times, the last online chat rep would not cooperate and said to wait until a payment had posted at the time before making any arrangements. Most recently, I made additional attempts to discuss debt with XXXX XXXX, however, calls were transfered to recovery dept where calls are recorded. I refuse to speak with anyone on any recorded line, reps were advised of this several times. However, they insist on recording calls in case any payment arrangement is missed. One rep advised me they do not accept settlement offers, which is a shame as a settlement amount would resolve it. Please advise London and London that most of this debt is fraud/bogus and refuse to pay unless a reasonable settlement offer is made to me.
Complaint sub-issue: Confusing or misleading advertising about the credit card

Best Buy card by Citibank. I made several large purchases at this store in XXXX, unknown to me, those purchases which had no interest charges for a certain amount of time, were actually compounding interest, which they charge in one very large sum at the end of the promotion. A week ago I made a payment, and I was {$400.00} under the limit, and slowly trying to pay it off. Today, I found it {$250.00} over the limit because of one of the interest charges. That means my next minimum payment is close to {$300.00}, which I will be unable to pay, damaging my credit which I am trying very hard to fix. 

These promotions, while I'm sure had fine print are deceptive and misleading.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XXXX/XXXX/XXXX ... XXXX ran my credit without my authorization and I didnt know the company but on my credit report is says XXXX XXXX XXXX. I did not tell this company to run my credit for a car. This was very dishonest of them and I want the inquiry removed from my credit