Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Received bad information about my loan

I was offered a rehabilitation program by lender who advised if I completed this program my loans would be removed from default and they would update credit reporting agencies to reflect no late payments on my credit. I successfully completed the loan rehablitation program and was told after I paid on time for 12 months that they were not going to remove the default from my credit nor update the late payment status although the agreement shows that they will. They then advised me that I must pay the balance in full to have my credit update which was n't what was written in the orginal agreement.
Complaint sub-issue: Information belongs to someone else

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 



ACCOUNTS : XXXX XXXX XXXX XXXX {$530.00} XX/XX/2017
Complaint sub-issue: Information belongs to someone else

This is account is not OPEN and the credit agencies will be held liable for this action by reporting INIACCURRENT information to my credit report. No activity has been going with account and payments have been made. This account should be reported as " CLOSED '' and the credit agencies are in violation of the Fair Credit Act 611. 

In addition, to that XXXX XXXX does not OWN this account and it was sold to another party, so how can they report " INACCURRENT information on someone credit report. 

LAST DATE OF ACTIVITY WAS THE LAST PAYMENT MADE. Where is that information? 

I will contact the Attorney General Office as well for assistance with this matter.
Complaint sub-issue: Personal information incorrect

There are fraudulent accounts, inaccurate addresses, and inaccurate names on my credit report. These accounts XXXX and XXXX XXXX was removed from my credit report on XX/XX/2020 and on XX/XX/2020. Now I have discovered that the items have been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( b ) ( ii ), the credit bureaus are required to notify me of the reinsertion in writing within 5 business days ; which this was not done. These fraudulent accounts, inaccurate addresses, and inaccurate names must be removed from my credit profile ONCE and FOR ALL.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act : Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Attempted to collect wrong amount

Both Enhanced Recovery Company and XXXX XXXX  are attempting to collect on the same debt. Please see the attached letter.
Complaint sub-issue: Problem lowering your monthly payments

I am in XXXX XXXX and currently repaying my XXXX school loans via XXXX XXXX  using Income Based Repayment Plan. This year, my monthly payment jumped from XXXX dollars a month to XXXX a month despite no change in my income. I called XXXX and they said they would look into it but it has not changed.
Complaint sub-issue: Trouble using the card to spend money in a store or online

XXXX XXXX has had me call multiple time to resolve with no resolution to login and transfer funds from card to bank account
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$2700.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$920.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$1500.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$1700.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$980.00}
Complaint sub-issue: Frequent or repeated calls

My loan is being serviced by  Seterus Inc. and over the past 2 months, I have been offered a loan modification 3 times and I 'm continually getting harassing phone calls which have escalated to personal attacks by each of the representatives on the call. I was in a loan modification last year but due to severe family medical issues, I was unable to continue to pay the mortgage after the 1st modification was approved. Again, they have offered me two times another loan modification only to retract the offer and try to force me to leave the home using pressure tactics. I do not believe that I 've bee n treated respectfully or with any intent whatsoever to keep the home and they have lied to me multiple times with what they are offering only to tell me that I should leave the home and let them proceed with foreclosure to completion. I went to court to explain my intent and was granted time to work something out with Seterus and I have until  XXXX   XXXX  but they still tell me that I have to leave my home. The harassing phone calls and personal attacks each time the call me along with pressure tactic s ( and psychological ) tactics have been very disturbing to me. I 'm looking to work out a payment arrangement so that I can stay in the home now that I 'm finally getting over my medical issues and with one of my family members. This servicer is brutal in it 's tactics. The lying and the escalation of personal attacks o n me is taking it 's toll.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021, Creditor Contact : Not Available add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency and Credit Reporting Agency Name is violating my rights as a consumer and I'm requesting legal action to remove this account immediately
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter. 

Inquiries, accounts from XXXX  XXXX to XXXX XXXX  credit cards etc. I can go on and on but i will attach the dispute letters that was sent to them back in XXXX, along with my correct documents and i hope to hear from you soon.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Debt was paid

Enhanced Recovery Company LLC d/b/a ERC is trying to collect on a debt that was fully paid on XX/XX/XXXX. 

In XXXX I had an account wth XXXX XXXX  ; The account was closed and paid in full on XX/XX/XXXX. I returned the modem and cables to the XXXX store located on XXXX XXXX XXXX XXXX, FL. the account rep accepted the equipment and said everything was closed and paid in full. 

On XX/XX/XXXX I learned that Enhanced Recovery Company LLC d/b/a ERC placed a collection for {$100.00} in my credit report. In the credit report states the original creditor is charter communications. When I called charter customer service they said XXXX was sold to charter communications and that some of the data transfers from old clients may not have transfered correctly and she said the office on on XXXX XXXX XXXX XXXX, fl had closed down and she she could not help me. 

After attempting to get this corrected with ERC and XXXX XXXX, they are not responding so I am filing this complaint to demand that all collection activities stop immediately and all collection accounts removed from my credit report since the account was paid in full in XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Account information incorrect

According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C. 1681 b ( a ) 2 was not given my written instructions XXXX XXXX account number is XXXX .... 

XXXX states balance is {$3100.00} XXXX states balance is {$0.00} equifax states balance is {$3100.00} date opened XXXX states XX/XX/2017 inaccurate XXXX states XX/XX/2017 equifax states XX/XX/2017
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX agreed to remove the late payment marker for XX/XX/2019 from my credit report from all credit bureaus. Unfortunately Equifax is reporting this negative data incorrectly. I've tried disputing it and still no resolution. I called XXXX XXXX last year regarding this matter and I was promised this was going to be resolved. This error has impacted my credit score tremendously.
Complaint sub-issue: Having problems with customer service

I have contacted Key Bank uncountable occasions after discovering a the same one account listed three times on each of my credit reports. I informed them that I did not have a loan with them and they indicated I had one with XXXX XXXX. Well, XXXX owned up to saying that the loan is hers, which I attached the letter in which she sent on several occassions. Well, a XXXX XXXX XXXX indicated they would give liability to XXXX XXXX, my daughter if I could provide documentation with my signature from 2007 which I do not have. I think that is not practical for you to ask me for a signature from almost 10 years ago in which my signature is on the domicile, that I provided for you. The only thing that I can do is contact my mortgage company to see if they have it in their archive which is ridiculous. I understand that XXXX XXXX is doing her job but I think that I have more than proven I am not liable. As you know from when I first found out I have been back and forth with this organization and that is because I have no ownership in regards to this loan. Please, also know that this has played a massive impact on my relationship with my daughter, I should not have to be going through this. I know and understand that my daughter was extremely wrong in signing my name, but what this organization is taking me through, I am feeling victimized over and over. I have provided the letter from XXXX XXXX who is taking full responsibility. I have provided my domicile which has my signature and I was trying to demonstrate that during the origination of this loan, I lived at XXXX XXXX XXXX XXXX, XXXX, FL and then when I found out about it, I was living at XXXX XXXX XXXX XXXX, XXXX XXXX, FL, to demonstrate that I would n't have known anything about the loan. Between the XXXX address I have been residing in XXXX XXXX almost 20 years or more actually. I do not deserve to keep going through this. I am asking once again to please release me of liability.
Complaint sub-issue: Trouble with how payments are being handled

Dear Protection Bureau, On XX/XX/2020, I refinanced a student loan from AES ( acct. no. XXXX XXXX XXXX ) to XXXX XXXX  ( acct. no. XXXX ). XXXX XXXX  sent {$39000.00} to AES to pay off my loan with AES. The payment exceeded the actual payoff amount of {$39000.00}. I called AES for a refund of the excess {$460.00}. I was told they could only send the difference directly to XXXX XXXX. Over the next eight weeks, I made five phone calls to each institution. Neither could confirm sending nor receipt of payment. On the week of XX/XX/2020, I joined two supervisors on a conference call, XXXX from XXXX and XXXX from AES. XXXX explained that a check was mailed, not received, then cancelled, and that an ACH was sent electronically which XXXX stated was not received. XXXX said another check would be issued. On XX/XX/2020, XXXX stated the check was received. The credit of {$460.00} was credited to my account. On XX/XX/2020 I received a letter from XXXX XXXX  stating that the {$460.00} credit was reversed due to insufficient funds from AES. I no longer have the patience to go back and forth after four months. 
Please help! 
Thank you, XXXX
Complaint sub-issue: Reporting company used your report improperly

Hello, I have been in dispute with XXXX, Equifax and XXXX about these incorrect accounts that have been allowed to report on my credit report without my knowledge and permission. While waiting on these accounts to be removed from my report, I decided to do my own research and I found that the according to the Fair Credit Reporting act these accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

It came to my attention that customer reporting agencies can not report without my written consent or without verifying the information is correct.
Complaint sub-issue: Public record

Dear CFPB XXXX Request As last month i requested my Paid Tax Lien be removed from my credit report because it was satisfied and released on XXXX XXXX, 2014. But i was told by Equifax and CFPB the FTC rules said it must stay on the consumers credit report for 10 years. Here 's copies of FTC Rules Section 605. ( 15 U.S.C. 1681c see attachments Line XXXX Paid Tax Liens which, from date of payment, antedate the report by more than seven years ( Antedate ) to give an earlier date rather than the actual date of ( something ) this is my 2nd request to have this remove from my credit report. Please revisit this request Sincerely XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Account terms

I got divorced in XX/XX/XXXX, my ex wife owns a XX/XX/XXXX XXXX XXXX. According to our divorce decree, she is solely responsible for this vehicle. However, my credit is being ruined when she is making payments late as my name is still on the car note. I should not be held responsible for this vehicle. I have talked to XXXX multiple times about this, and they have even called me several times about the XXXX XXXX car note. My credit should not be effected by my ex wife not paying her car note on time. I need to have my credit restored and no longer ruined by this vehicle.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

in accordance with the fair credit reporting act XXXX XXXX XXXX {$10000.00} XXXX XXXX {$520.00} # XXXX XX/XX/XXXX XXXX XXXX # XXXX {$51.00} XX/XX/XXXX XXXX XXXX # XXXX {$890.00} XX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX In U.S.C 1681 section 602 A states I have the right to privacy In U.S.C 1681 Section 604 a 2 it also states aconsumer reporting agency instructions
Complaint sub-issue: Their investigation did not fix an error on your report

The Credit Bureaus have failed to conduct a proper investigation in order to correct the following erroneous information being reported on my XXXX XXXX. I have read that the Credit Bureaus are required to required to validate these accounts in line with the FCAR section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I have been sending letters to addressed to the Credit Bureaus requesting that they conduct proper investigation and correct any erroneous reporting they can find. But despite all my efforts to correct my Credit Report, the Credit Bureaus seem to find entertainment in seeing a consumer struggling with their Credit Reports. I am now submitting this complaint requesting another investigation to be properly conducted this time and correct all erroneous reporting on my XXXX XXXX. Specifically, I need the following account corrected now : XXXX XXXX XXXX Balance Owed : {$270.00} XXXX  XXXX XXXX Balance Owed : {$930.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXXBalance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016
Complaint sub-issue: Application denied

I have used the service provider Klarna Inc since 2021 without any issues, until recently. After numerous attempts to apply for the product, meeting all of Klarnas requirements, and satisfying all payments in a timely manner, Klarna has begun to discriminate against me and refuses to assist with the ongoing issues with their service. 

The issues stems from their automated approval system that performs a soft credit check every time a customer attempts to create one of their one-time use cards that are provided by their Buy Now Pay Later model, that allows users to split their payments into four equal payments if you use their service. 


For the past two months Klarna has declined my applications for one of two reasons whenever I attempt to use their service, their notices of adverse action show they either can not verify my identity or the payment method I am using is not able to be approved. 


I have verified and concluded all of my personal information on the Klarna website and my credit and consumer reports are the same information Klarna has always used when they approved me in the past, and the payment method I have attempted to use is a payment method accepted by Klarna that I have used before and meets the accepted payment methods Klarna advertises as the credit card in using is NOT XXXX XXXX 


Klarna accepts all major debit and credit cards such as XXXX, XXXX, XXXX and XXXX. Prepaid cards are not accepted Please note, XXXX XXXX does not support Buy Now, Pay Later ( BNPL ) products. 


At this point I feel Klarna is discriminating against me as they have refused to look into the issue and have ignored my complaints regarding their system. 

My partner uses the same service and we both used Klarna with the same frequency but he is still able to use XXXX service without interruption, even though his credit/consumer profile and history with Klarna is below mine.
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. 

XXXX {$120.00} XXXX {$130.00} XXXX {$1500.00} XXXX {$5100.00} XXXX {$150.00} XXXX XXXX {$22000.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX {$260.00} XXXX {$720.00} CHAPTERXXXXBANKRUPTCY DISCHARGEDXXXX {$0.00}
Complaint sub-issue: Information belongs to someone else

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!