Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

six XXXX XXXX accounts were opened under my name with out my knowledge, these accounts were inaccurate and fraud account opened, i have disputed these with equifax because they are the only one who are reporting this inaccuracy please have this inaccuracies removed from equifax credit agency i will be attaching my police report and the FTC report which i have been providing equifax for the longest times thank you for your cooperation
Complaint sub-issue: Information belongs to someone else

my credit report at LexisNexis is reporting wrong information, that belong to another person ....
Complaint sub-issue: Need information about my balance/terms

I consolidated a portion of a federal loan to a private loan for a better rate in XXXX. The company I consolidated this loan to was XXXX ( XXXX XXXX Bank ). My loan was then transferred to a management company called MOHELA XXXX of XXXX. There were many issues with XXXX and a number of errors that occurred during the transfer to MOHELA. Two things have not been corrected. One - the transfer from XXXX to MOHELA now shows my original balance with XXXX to be double the amount I actually owed ( owed approximately {$100000.00} ; now shows {$200000.00} ) and they have not corrected this with multiple requests and even their acknowledgment by phone that it was incorrectly doubled. They have not given me a print out of the payment history of the XXXX account from the original consolidation in XXXX to the transfer to Mohela in XXXX - these records were wiped clean with the transfer. 
Sincerely, XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items immediately. 



By the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.
Complaint sub-issue: Information belongs to someone else

XXXX   XXXX .  XXXX   XXXX ,  XXXX , CA  XXXX   XXXX   XXXX .  XXXX   XXXX ,  XXXX , TX  XXXX  Equifax  XXXX .   XXXX    XXXX ,  XXXX , GA  XXXX  Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made.    XXXX   XXXX   XXXX   XXXX   XXXX  The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA  605B ( b ), 15  U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and  62  3 ( a ) ( 6 ) Under section 605B  of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA  ( f urnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report.   Sincerely,  XXXX ,  XXXX  SOC #  XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   fl  XXXX
Complaint sub-issue: Public record information inaccurate

For the last 17 years I've had in accuracies on my background report. I have a report that is saying that I have a charge from XXXX that was settled due to conditional plea. I also have two other charges in XXXX and XXXX that deal with drug possession that are reporting guilty and they were disposed or no contest. This information has always followed me and damage my reputation to be considered for positions that I meet. I have contacted the judicial systems and government agencies about this complaint.
Complaint sub-issue: Received bad information about your loan

In light of the automatic administrative forbearance applied through the CARES Act, my Direct consolidated loans were changed from repayment to a forbearance status without my consent. I have emailed FedLoans several times without response ( weeks ago ), and finally reached someone through XXXX but the response was vague and did not make sense to me. Even the one time that I reached someone through the phone, the representative did not seem like she was sure of the answer that she was giving me. I need accurate answers to the following regarding my federal loans : 1 ) Will my outstanding interest from PRIOR to XX/XX/2020 ( obviously not the interest during the temporary 0 % interest period from XX/XX/XXXX to XX/XX/2020 ) capitalize to my principal balance at the end of the automatic forbearance which I did not initiate? There is nothing IN WRITING on the studentaid.gov  website, and Fedloans has been giving mixed messages regarding this issue on their website, XXXX, XXXX etc. 

2 ) I understand that Public Service Loan Forgiveness ( PSLF )   credits can still be earned during the period of XX/XX/XXXX to XX/XX/2020. But for those of us who would otherwise meet the requirements and qualify but are unemployed, would unemployed borrowers still be able to earn PSLF credits during this period of time? Do I need to continue to be on administrative forbearance in order to still earn PSLF credits while unemployed, or can I stay in repayment status? 

3 ) If I go back to repayment status, but later decide to go back to administrative forbearance, am I able to do this ( until XX/XX/2020 )? 

The answers to these questions may help many other borrowers if it is posted clearly on the studentaid.gov website, and it would help if FedLoans also was consistent in all of its communications ( I don't expect much from FedLoans, and I don't trust them anymore about this issue ). 

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

Ive been going over my credit report and I saw some collections and inquiries that were on there. It says that I owe you guys a lot of money but, I dont know what its for.

I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit?

My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these account until I get to the bottom of this.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

Called to cancel account. Account did not get closed/cancelled. Did not receive a final bill. Did not get a notice stating account was going to collections.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

My account was sent to a collection agency. There are XXXX accounts total that were sent to Americollect. 

XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX These accounts are showing up on my credit report. I have filed a dispute with them and asked them to take it off. And they refuse. As it violates my XXXX rights. 

Thanks for your time
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 Account 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: Credit inquiries on your report that you don't recognize

I submitted application through XXXX XXXX which advised that inquiry would be a soft inquiry ; however after reviewing my XXXX credit report this inquiry is appearing as a hard inquiry that has resulted in a decrease in credit score that I did not authorize on XX/XX/2022.
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting act Acceptance Now account XXXX, XXXX XXXX account XXXX, XXXX account XXXX, XXXX  XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX Bankruptcy Chapter 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: Fraudulent loan

On XX/XX/21, I discovered ( thru XXXX XXXX ) a student loan listed ( opened on XX/XX/21 ) on my credit report which I had not opened. Student loan is for {$10000.00}. There were no hard inquiries or any other items that would have notified me of the load. I contacted Great Lakes ( the lender for this loan ), but customer service was unable to help me because I did not have needed information to confirm my identity ( because the name used on the loan was my name before marriage and the address used was one I haven't lived at for 35 years ). I asked for the fraud department number and called them. They were able to tell me the name and address used, and the school receiving the disbursement ( XXXX XXXX ). I have filed a police report and requested a Loan Discharge Application form from Great Lakes, and am in the process of getting everything together for that. I have locked my credit reports ( although with no hard inquiries made, I'm not sure if that will help at all ). I have contacted my bank to let them know & to note the info in my account in case something suspicious takes place with that account.
Complaint sub-issue: Debt is not yours

I have advised the collection agency this account doesn't belong to me several times via mail. In addition, I have made multiple request for documentation to validate the debt ; as I have never had a contract account with XXXX XXXX XXXX XXXX. To date the collection agency has failed to supply a contract or any documentation to validate this account.
Complaint sub-issue: Contacted employer after asked not to

Discover called my employer and co -workers multiple times, trying to find out what my personal cell # was and personal ifo about me, They ask a male coworker if he was my boyfriend and did he live with me. Continued to call these same people after Being asked to stop.Excessive contact on my home phone.When I changed jobs they started again with the same behavior. I have proof of who they called.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I currently have six loans with Sallie Mae. It is difficult for me to remain cordial while submitting this complaint due to the incredible weight of stress this company has caused me ( and many others ) throughout the student loan process. Thank you for taking the time to review this submission. 

It took me months of self-educating and dead-end calls to finally enroll myself into a graduated repayment plan with Sallie Mae. At the start, I was set up to be paying almost {$900.00} PER MONTH to Sallie Mae simply to stay out of delinquent status. The lowest I could get it was {$460.00}, which I am slated to begin paying in XX/XX/XXXX. This also-high payment will only cover my interest, which ranges on each of the six loans up to a ridiculous 12.8 %. 12.8 % on a STUDENT LOAN. ( This alone is cause for complaint. ) {$460.00} is still incredibly high, as I am already struggling to pay rent. I have called Sallie Mae to try to both reduce my monthly payment and reduce my interest loan, and they seem completely incompetent, restricted under regulations and protocols. 

Today, I called yet again and was told that I can not submit a complaint or receive help/guidance/options/information UNTIL I AM DELINQUENT. I was essentially told to call back in two months, once my payments are behind and I am in poor standing with the company. This means that I can not be proactive, or work ahead to make sure I am in good standing credit-wise. It also means that I will be the one " at fault, '' even though I have worked tirelessly to resolve the issues BEFORE they arise. Perhaps this is the way of student loan lenders, but if so, something needs to change. I find it absolutely appalling that a person can not advocate or be responsible for their financial situation in advance of things being destructive. On top of that, Sallie Mae is basically communicating that they do not care about the stability or financial stress of their borrowers. As of now, I can not plan or foresee what challenges I will face in XX/XX/XXXX. I have no idea if I will actually even be helped once that time comes. And based on my previous experience with Sallie Mae, whatever alternatives are offered to me will likely NOT be helpful. It is deeply concerning that I am only one of MANY recent graduates experiencing this type of stress under major greedy lenders such as Sallie Mae. 

I am not sure what can be done, as I have been trying desperately to be proactive for the last nine months, and still things are in horrible condition. However, I do hope that this submission can be taken seriously, and that we as a culture and society can begin to realize the weight of student loans and the adverse effects of that weight on our entire economy. In just three years, I have already accumulated nearly {$4000.00} IN INTEREST ALONE with Sallie Mae. Each month, more than {$400.00} of interest is added to my debt -- not counting my federal loans. This is CRIMINAL. The fact that this is acceptable needs legitimate consideration. 

Thank you for your time, and I do sincerely hope that changes can be made.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX working on a debt placed with them on XX/XX/XXXX by XXXX at XXXX XXXX XXXX owed by my grandson and cosigned by his parents filed a credit complaint against me. The father of my grandson is a XXXX with the same name as mine. In an effort to apply pressure XXXX filed against my credit. It looks like it worked since the claim is listed as settled. Neither XXXX nor XXXX XXXX XXXX took any effort to correct the mistake of filing against the grandfather. My credit report says being turned over to collection will stay on my report until XXXX XXXX. XXXX info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX In general, I would say the reporting agencies are sloppy as well. They regularly attach my Son, XXXX, to me. Including debts, jobs, phone numbers and address. This has been going on for years despite my having a statement in my credit report asking that I not be confused with XXXX.
Complaint sub-issue: Account status incorrect

on XX/XX/2019 XXXX XXXX XXXX XXXX reported my car account delinquent I have never been 30days late in my account. This caused me not to be able to refinance my home.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Debt was paid

I received an inaccurate bill from Fay Servicing, stating that I owe {$1000.00} for XX/XX/XXXX for {$370.00}, XX/XX/XXXX for {$370.00}, and then a late fee amount for {$330.00} which they had in a suspense account of some sort. They tell me this amount was from the previous servicer for 30 late payments. I never had 30 late payments with the previous servicer. Also on the back of this same bill it saysXX/XX/XXXX- LATE CHARGE WAIVED IN THE AMOUNT OF {$330.00}, but then they added it back onto the front of the bill, and are stating I now owe {$1000.00}. 

I want this erroneous amount of {$330.00} credited to my account, as I do not owe this amount. 

Please help me.
Complaint sub-issue: Reporting company used your report improperly

I Consumer and natural person am a victim of identity theft. XXXX, has used and furnished my consumer report without my authorization, consent or written instruction. They have neglected my rights as a consumer by allowing companies to to share my non public personal information without my consent, as well as using that information to furnish a fraudulent consumer report on my behalf. Congress makes it clear that as a consumer i have a RIGHT TO PRIVACY. This credit reporting agency also known as a financial institution has violated my federally protected rights as a consumer with right to privacy by failing to meet the needs of congress by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information. XXXX is in direct violation of 15 USC 1681e ( b ) which states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM possible accuracy of the information concerning the individual about whom the report relates, in which XXXX failed to do this. XXXX is in direct violation of 15 USC 1681b regarding permissible purposes of consumer reports, in which I have not authorized, signed or given any direct instruction for XXXX to report these inaccurate and fraudulent accounts on my consumer report. Their Wilfull noncompliance which is a direct violation of 15 USC 1681n has caused me actual damages. The FCRA was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the consumer rights to privacy. XXXX is in direct violated of the FCRA law 1681s-2 by not holding up to its duty when furnishing consumer reports. XXXX is in direct violation of numerous laws under the FCRA and is also in direct violation of the Gramm Leach Bliley Act of 1999.
Complaint sub-issue: Billing dispute for services

Im submitting this complaint with XXXX because my credit score was negatively impacted due to XXXX reporting a late payments against me. My credit report shows a late payment was reported during the month of XX/XX/XXXX. I was a loyal customer to XXXX ever since received my auto loan in XX/XX/XXXX and I always made my payments on time. I had the ability to pay my bill to XXXX for the month reported as late and I scheduled my payment to be withdrawn from my bank account on-time for that bill. XXXX  either did not properly send a request for payment from my bank, or did and something prevented the money transfer to XXXX. I was never properly informed by XXXX about any impending or existing missed payments on my account for the month reported as late. I also never received any indication from my bank account of a returned item due to not having proper funds in my account to pay my bill to XXXX. I only found my original payment was not posted when I logged into my online XXXX account. I immediately paid my bill with my debit card and confirmed with my bank the following day to ensure the payment had successfully been transferred to XXXX. I'm only bringing this issue to the attention of others now because I did not know XXXX was reporting any payment as late to credit reporting agencies until I reviewed my credit report earlier this year. I have been negatively impacted when trying to apply for other forms of credit for over 4 years due to the late payment on my record caused by XXXX. Since this late payment is not the result of my wrongdoing, and due to the circumstances listed above, I respectfully request for XXXX  to remove the late payment during the month of XX/XX/XXXX. Please consider my track record of on-time payments as proof I take my financial obligations seriously. If you have any questions, or require further information from me, please feel free to contact me at your convenience.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX Volkswagen Credit INC has reported a account as a Charge Off and the status of the account was closed. However they have continued to report as a charge off for the entire year, Until XX/XX/XXXX on XXXX and XXXX and now they have changed the status to currently open as of XX/XX/XXXX on XXXX. This has affected my credit negatively because from my understanding a charge off account should not include any active payment history. This is a manipulation of the statue of limitation. Please remove this account ....
Complaint sub-issue: Reporting company used your report improperly

Apparently, Equifax, A Major Credit Reporting Company, allowed my personal data to be breached by hackers as early as XX/XX/XXXX of this year, is only reporting it now, in XX/XX/XXXX, will only provide free credit monitoring for a one year period, and I am not even allowed to sign up for this until next week. Possibly way too late for criminals to use my personal data. Then, as a provision of the short term free credit monitoring, I am required to waive my right to sue them.
Complaint sub-issue: Debt was paid

I received a notice from Afni, Inc., dated XX/XX/2022. It stated that my account with XXXX XXXX ( since closed ) had a total debt of {$240.00} and informed me that I could call or write to Afni, XXXX by XX/XX/2022 to dispute the statement. 

On XX/XX/2022, I wrote to Afni, Inc. at the email address provided. I stated that the notice claiming I owed {$240.00} on my XXXX account as of XX/XX/XXXX was incorrect. I attached a screenshot of my XXXX account page showing {$0.00} due and that all amounts have been paid in full and a screenshot of my online banking statement showing that {$240.00} was withdrawn on XX/XX/2022. 

I also provided my XXXX account number and Afni, Inc. 's reference number and asked that they confirm that I had no debt owing and that this incorrect collection notice would not affect my credit rating within 5 business days. A week has passed, and I have received no response.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX XXXX  # XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX, # XXXX US DEPT .OF EDUCATIO, # XXXX DPT ED/XXXX, # XXXX XXXX XXXX has violated my rights. 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