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

In XX/XX/XXXX my wife ( at the time ) and I decided to consolidate our student loans after being married for 2 years. XX/XX/XXXX rolls around and the marriage is ended but the student loans we consolidated our still both of our obligation from the divorce decree. Several years go by without any issues paying the loan from both ends until XX/XX/XXXX or XX/XX/XXXXthe ex-wife started to get behind on her part of the student loan payment. After a couple months of being late I called the company that was handling the loan to discuss separating/splitting the loan. There has been so many sales of this particular loan that I couldn't even tell you at the time who was holding the note. After expressing my concerns to the loan company and pleading with them to split the loan so my credit wouldn't take a hit, they told me this type of loan can't be split. I even suggested paying off my portion and then rewrite up the papers with the amount that the ex-wife owes with just her name on the loan and they said " NOPE ''. Even if I was to payoff my portion of the loan, I would still be responsible for the ex-wife 's portion because they will not take my name off the loan. This is the most XXXX thing I ever heard of, especially when it is supposedly a "

Federal Loan ''. Now it i
s XX/XX/XXXX, the ex-wife is again 3 months behind and I'm stuck paying the payment because I actually care about my credit. I discussed having each of us take out a personal loan or our own monies to payoff this particular loan so we wouldn't be tied together on it. The ex-wife can't afford to do that nor does she have the credit to take out a personal loan to payoff her portion. 
Maybe I should have asked more questions before signing this type of consolidated student loan. It was 15 years ago that we signed this loan, we've been divorced for 13 years. I would think after a certain amount of time passes from signing the loan, the restrictions would be lifted a bit. This the most frustrating thing I've ever dealt with, especially knowing that I can payoff my portion today. The reason I don't pay my portion off is because it does me no good and the loan still shows up on my credit report. I have a credit score of 790+ and I'm ready to ruin my credit score by walking away from this loan. I thought I got screwed during the divorce but this seems worse Nelnet is currently holding the loan
Complaint sub-issue: Card opened as result of identity theft or fraud

In XXXX I received a notice informing me of a possible error concerning my enrollment in an " optional debt protection program offered by Department Stores Nation Bank '' concerning my account ending in XXXX along with reference number XXXX I DO NOT HAVE ANY CREDIT CARDS OPEN AT THIS TIME I called citi bank. The representative checked my name and social & informed me there were no citi bank cards open under that name & ID number. A flag was placed on my name with citi bank. She then informed me that Department Stores National Bank could be ANY VARIETY OF STORE CREDIT CARDS. 

The only help she could offer was for me to individually call all the possible stores & file complaints. There is not even a list of what possible store cards this could be. 

I DID NOT OPEN ANY CARD. PLEASE CLOSE THIS ACCOUNT AND FLAG MY CREDIT WITH A FREEZE. 

Sincerely, XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have been trying to submit disputes via Equifax 's website for months and have been unable to do so. I am met with the same error every time, despite the fact the challenge questions clearly match my report and are answered correctly. ( I have a recent copy of my Equifax report in front of me and can answer the questions. ) Equifax 's solution is to call, this is unacceptable.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 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 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 XXXXXXXX 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: Debt is not yours

After numerous attempts to have the debt collector to remove my name from their files, and reporting negative information to the reporting credit bureaus, such as XXXX, XXXX and XXXX XXXX. The collection company named AFNI has harmed my reputation and harmed my credit worthiness. After the mutual agreement with the original company XXXX, I had established many years ago, concerning the equipment use and the incurring fees and charges, would be established by tenants who remained in use of XXXX 's services and use of their equipment. XXXX was fully in compliance with such agreement. Years later I 've been notified, by AFNI that I owe them in a disclosed amount. I have repeatedly with unsuccessful attempts to dispute these claims by AFNI, with not positive results. I am therefore ; calling for a thorough investigation into the practices of the company named in this complaint.
Complaint sub-issue: Information belongs to someone else

I've sent a few letters via certified mail asking to fix the errors on my credit reports. I also ask them to send me information on how they verified the inaccurate accounts as " verified '' when the accounts are not mine. Each time I got a generic letter stating that the information is accurate and that they refuse to fix it.
Complaint sub-issue: Account terms

Disputes were filed with all three credit bureaus, outlining my issues. XXXX removed the Collections Account after verifying that the terms with the original creditor were invalid and illegal, however XXXX and Equifax merely validated that the original account was mine. I explained to XXXX and Equifax that the issue was n't that the account did n't belong to me, but that charges and contracts were added to the account that had not been agreed upon. Information is as follows : Original Creditor : XXXX XXXX added a contract onto my account after I explicitly told them I did n't want one. XXXX has record of this, but claims I agreed to a contract when I called to remove phone service. I told them that due to me only remaining in the area for a few months, I COULD NOT have a contract on my account since XXXX did n't service my new location. XXXX went into my account a month later and illegally added a contract to my account without ever notifying me. When I went to terminate my services there was no mention of a contract or early termination fees ; they even told me that I would be receiving a credit on my account! After receiving the final statement two weeks later, I found an early termination fee and a non-returned equipment fee. I called customer service and the representative told me that they would waive the fees, since a contract had never been agreed upon. ( This is all in my account notes and recorded phone calls that XXXX will not release to me. ) Two months later, I received a letter from the first collection agency due to the aforementioned and allegedly removed fees. XXXX had gone back into my account and re-added the fees, claiming the CSR who removed the fees did n't have authorization to do so. This debt has been passed to XXXX different collection agencies and successfully disputed each time. XXXX and Equifax refuse to look into these details outlining the illegality and illegitimacy of this account. Furthermore, XXXX is reporting this account as 90 days late, even though I NEVER had an agreement with XXXX XXXX, or any other collection agency. 

Disputes with these credit bureaus have gone nowhere, since the bureaus refuse to do anything more than validate ownership. I have never been late on any account, and have never missed any payments. I monitor my credit very closely, so it 's appalling to have this matter treated so lackadaisically.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

This is a fraudulent inquiry on my credit report XXXX XXXX XXXX | XXXX. 
I did not authorize this inquiry.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted XXXX disputes and none of the false account on my credit report have beeen removed ... ....
Complaint sub-issue: Problem getting report or credit score

This dispute is against Equifax. When trying to refinance my mortgage I discovered I have no credit files, no credit score and my date of birth was changed from XX/XX/XXXX too XX/XX/XXXX. I immediately put a fraud alert on my credit files. Equifax has done nothing to correct these issues. They only corrected my date of birth. This would seem to be an easy fix but it has been a nightmare. Equifax needs to correct this now as I can not refinance my high interest rates.
Complaint sub-issue: Contacted employer after asked not to

I 'm in the negatives at PNC Bank and a lady name XXXX called my coworker at my place of work XXXX/XXXX/2015 between XXXX & XXXX to have her let me know of my debt and asked my coworker to tell me to call immediately.
Complaint sub-issue: Reporting company used your report improperly

Equifax refuses to investigate unauthorized questioniable inquiries. I have been disputing the inquiries for over 60 days. Equifax simply does not investigate the inquiries. Equifax online dispute simply sends me a standard letter stating the inquiries are a factual record of your credit report, please contact the creditors. I have 24 dispute file numbers and multiple replies from Equifax stating to contact the creditors. I have done that. Not one creditor has replied back. Equifax is simply ignoring the disputes, and failing to send an investigation. 

Inquiries disputed on XX/XX/3019 again File No : XXXX
Complaint sub-issue: Information belongs to someone else

I HAVE HAD SEVERAL ACCOUNTS OPEN NAD USED WITH MY PERSONAL INFO THAT I WAS NOT AWARE OF PEOPLE USING MY PERSONAL INFORMATION TO APPLY AND OPEN ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX anXXXX XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Problem with statement of dispute

I had an account with XXXX XXXX Bank, XXXX XXXX bought it as a delinquent account, and they took me to the local Magistrates office to recieve payment, he awarded them just over {$1100.00} and they say I owe {$1500.00}. I sent the info to Equifax to correct it, and remove it from my credit, I recieved a paper back stating that it was correct. I sent all the paperwork proving it was incorrect, including the magistrates paperwork, and they did not correct it. I am now filing a complaint with your office to get help.
Complaint sub-issue: Information belongs to someone else

I never opened this Citi Diamond Preferred card. My credit was in great standing, and before this card was opened fraudulently, I was making payments on time to all my creditors. Since this card was not open on my behalf, I couldnt make payments correctly, and Citi had to shut down the account which is now negatively impacting my credit score.
Complaint sub-issue: Information belongs to someone else

Please remove the collections accounts from my credit file. I have not signed any contract of made in agreements with these company and they no right to report on my file. I have received any form a debt validation in a timely manner or at all.
Complaint sub-issue: Information belongs to someone else

I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA & # XXXX ; XXXX On XX/XX/2019, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( XXXX ) days late on the XXXX  partial account numbers XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} ; XXXX, XXXX XXXX Balance {$1600.00} XXXX XXXX Date of Inquiry : XXXX ; XXXX Date of Inquiry : XXXX ; XXXX XXXX  XXXX Date of Inquiry : XXXX ; XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Can't close your account

This was a company account with a XXXX balance. After my husbands health made it impossible for him to consult any longer, I called in XX/XX/2020 to cancel the account. In XX/XX/2020 I received a bill with a {$25.00} membership fee and in XXXX another bill with a {$75.00} membership fee. I called after both statements and asked again to have the account closed and the fees removed. I was told then the note from XXXX was on the file, but not taken care of. In XXXX same thing. I called again and was transferred to supervisor who assured me it would all be taken care of. In XXXX same thing. I was told it would be taken care of and I should wait for the XXXX statement. When it arrived some of the late fees and interest had been removed, but new fees had been added and the membership fees were still on the account. On XX/XX/XXXX I called again and was passed through four different people. I was also told the notes from XXXX to XXXX were no longer in the file. Finally another supervisor said she would take care of it and call me back. Today I received a call again about the back bill I owed. I explained again and also made them aware that I was filing this complaint. I have been told again this will be corrected, but have no faith it will be. My husband died in XX/XX/2020 and I am undergoing medical treatment for XXXX XXXX. This is very difficult for me. Thank you for any assistance you can give me.
Complaint sub-issue: Reporting company used your report improperly

IN accordance with the fair credit reporting act XXXX account # XXXX Has violated my rights. 15 U.S.C 1681 section 602A. 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: 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, I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that if failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days from my initial dispute, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cost me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

FCRA Violation : credit card not mine XXXX XXXXXXXX FCRA Violation : hard enquiries not mine XXXX XXXX XXXX FCRA Violation : collection not mine XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

please remove all accounts listed my information was compromised in a data breach.this has not been validated.
Complaint sub-issue: Debt is not yours

I received an alert that IC systemXXXX XXXXXXXX put a collection from XXXX XXXX on my credit reports for {$910.00}. I never had XXXX XXXX. I never received any bills or collection notices from this company. According to the FCRA, credit reporting must be legal, and notices are supposed to be sent before submitting anything to the credit bureaus. This collection is illegal and fraudulent. Again, this isnt my mine. I never had XXXX XXXX. I dont even have this company in Pennsylvania XXXX
Complaint sub-issue: Investigation took more than 30 days

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

FURTHERMORE, the above consumer DEMANDS the following below : 1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
Complaint sub-issue: Information belongs to someone else

I have been submitting multiple letters with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiry listed below : XXXX XX/XX/2022
Complaint sub-issue: Account information incorrect

XXXX XXXX Tel : XXXX XXXX XXXX Lender Dispute : VW Credit Please see attached : The original contract which outlines the vehicle lease terms. I can't locate a signed copy but would appreciate it if the Lender provided one. 

Copies of insurance certificates, proof of complete coverage on the vehicle in question up until the lease term expired. I inadvertently forgot to cancel the monthly insurance and carried it for a few extra months. 

The car was turned in to the XXXX XXXX dealership in XXXX of XXXX. On the day before the lease expired. The vehicle was not a voluntary repossession. 

Two separate credit reports are attached. One mentions a {$5000.00} balance in XX/XX/XXXX. In XX/XX/XXXX, my XXXX  credit report showed XXXX, no outstanding balances for an auto loan. I've attached copies of the current reporting on my XXXX XXXX, and XXXX  reports, where they are incorrectly reporting 46 late payments. I want both agencies to remove this incorrect information.

Emails from Audi reps offering me different options to lease a new Audi. In one email, the representative mentions my payment status. No delinquent balance and four months remaining on the lease at the time of their offer. Why are they charging 46 payments as late? And charging me in XXXX, XXXX, XXXX when there was no active lease. 

I have disputed the VW item with XXXX, and it was removed from my credit report. They did their proper diligence, and I appreciate it. 

XXXX radio was still active when I made my final payment to fulfill the terms of the VW Loan.

At no time have any Audi representatives, or anyone from the VW loan department contacted me regarding the lease and alleged default or loan terms. No phone calls, no letters, no emails other than offers to lease another new vehicle. I'd be more than willing to review any correspondence if produced by VW Credit or an Audi dealer. I have seen absolutely nothing from them. I've requested copies of my payment ledger many times to no avail. 

The car was not repossessed. The lease 's full terms were met, and I'm requesting that the derogatory missed payments please be removed from my credit report as soon as possible.
Complaint sub-issue: Didn't receive notice of right to dispute

I the consumer/ natural person and original creditor. Pursuant 15 USC 1602 ( p ) that there has been unauthorized use of my credit card by PNC Bank without me benefiting from this consumer credit transaction. My benefits were taken by misleading and deceptive forms 15 USC 1692j ( a ) requesting payments. This herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce, so be it. If called upon to testify as a witness I the consumer and original creditor shall so state herein. This consumer credit transaction was unjust and I had not equity in it. Affidavit of truth and exhibits attached. Please note that an affidavit of truth not rebutted stand as truth in commerce.
Complaint sub-issue: Problem with customer service

Discover card refused to service my account. I had several issues and I tried to get answers from Discover via electronic messaging chat, but Discover informed me that it does not service customers who prefer to communicate via written messages.