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

I recently went to check out a new car at XXXX XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. I have reached out to the FTC and my local police department and I am doing this on my own behalf. These items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX. XX/XX/XXXX. Inquiries : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX
Complaint sub-issue: Account status incorrect

I recently pulled my credit report and I noticed that I had several unknown accounts for books from old schools that shouldn't be there they keep reappearing an account I paid them $ XXXX this year i have a receipt there should be no balance. I have several companies that are unknown and I never done business with this information is costing me high interest and fees. I'm doing my best to buy a house but the inaccurate information is stopping me when it keep reappearing or accounts that I don't know what they are nor have I done business with them. These have to be removed all the multiple name spelling and wrong address information it literally could be anyones information. please remove these items.. 
hard inquires that are over 30days old that im not doing business with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, 2021 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX addresses with inaccurate info they may belong to a relative XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX all companies that need to be removed will be highlighted in the credit report i have listed in the documents section because there are so many of them that are unknown to me. my correct name spelling and information will be listed as well and i have opt in the credit system as well to stop all the random accounts XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX  Account # 's XXXX ( XXXX ), XXXX ( XXXX  XXXX ), XXXX ( XXXX XXXX XXXX ), XXXX ( XXXX XXXX ), XXXX ( XXXX 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: Attempted to collect wrong amount

ERC, a collection company who have never contacted me says I owe {$86.00} to XXXX XXXX XXXX. I do not and have dropped my credit score 42 pts  because of it. This is not me.
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 Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) 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!
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

On XX/XX/XXXX we sent a letter to Citi Banks customer service office and their executive office in requesting a good will adjustment of a late payment reporting from XX/XX/XXXX. The basis of our request was that we have a XXXX year old son who suffers from XXXX XXXX which inhibits his ability to XXXX and XXXX. We recently have sold our two story home to transition to a single story home for his safety - we are in the process of trying to obtain a mortgage. In the letters sent to Citi we clearly made them aware that our son is XXXX and we were suffering a hardship with trying to obtain the mortgage - ergo the request for the goodwill adjustment. Included with the letters were two photos of our son as proof of our claim and reason for request. On XX/XX/XXXX we received a call from XXXX XXXX with Citi 's executive office. I again explained my circumstances to XXXX and she told us there was nothing she could do. During the call XXXX and I argued the validity of the late reporting and the accuracy of what Citi was reporting to the credit bureaus, The call ended on bad terms. After this conversation we ( my wife and I ) made the decision to sell our pickup truck to pay down this account to reflect better on our credit reports. On XX/XX/XXXX we took the proceeds of that sale and made a {$4500.00} payment on this account brining our total usage down to {$3400.00} of the available credit limit of {$8000.00}. Today I received an email with a notification that our credit limit was being reduced from {$8000.00} to {$3200.00} - less that what is actually on the account! In reading the letter it cited that the reason for the decrease was due to factors on my credit report. Admittedly my credit was in poor condition which was the reason for the initial call, but since this account has been open my credit report and score has been less than what it is now. It was suspicious that this decrease came on the heels of making my request to Citi and my disputes against them with the credit bureaus, and notifying them that I have a XXXX son and am in a hardship. The fact that my credit has been much poorer during the time that this account has been opened and the limit has not been decreased leads me to reasonably believe that this action is being taken against me to be punitive and discriminatory towards me given the information they had and the timeframe of the events. I again reached out to XXXX XXXX today and advised her of my issue and complaint. Again XXXX was not helpful and said if I felt I was being discriminated against I could advise them in writing. Please consider this complaint notice that I feel as though I am being discriminated against based on my situation and having a XXXX child. The timing of the events with this account are too well matched to the unpleasant phone calls and information being provided to Citi to be coincidence.
Complaint sub-issue: Problem with customer service

I applied for PSLF back in XXXX, consolidated my loans in XXXX. I have heard nothing from Mohela or XXXX regarding what is going on. For the past 2 weeks since XX/XX/2022 I have been calling daily to get an update. Last week I logged a complaint with XXXX XXXX XXXX  and still no answer. What is freaking me out, I put in my social and birthdate and the system tells me it can't find my PSLF paperwork. 

This is worrying me as I only have until the end of XXXX to make sure that this goes through. There is no one that works that has 1 1/2 to 2 hours to wait for someone to to answer, if they ever do. 

I have made over 300 payments according to my records, but have no idea what is taking so long if that is what I have since I only need 120 payments. This is their duty to help us, but they seem to have restricted our access to get the help and answers that we need to our questions.
Complaint sub-issue: Debt was result of identity theft

XX/XX/2017 ( {$3100.00} ), and XX/XX/2017 ( {$1400.00} ) XXXX accounts were opened in my name and the debt was sold to " XXXX XXXX XXXX  ''. I have never opened an account with XXXX and furthermore, I never resided in the states of which they were opened in. The fact that these accounts were opened 8 months apart and this wasn't a red flag to XXXX is beyond me. The two accounts are reporting negatively on my credit report and I am only now becoming aware of them. I've tried disputing these accounts with the bureaus but the debt buyer responds verified with lack of sufficient information supporting the claim. If this debt is in fact my own, I would like the license and social security card on file compared to my own and I can ensure it doesn't come back validated. These accounts are causing me to suffer and I am feeling it is out of my control. Anything that I can do to assist XXXX in resolving this matter, I am open to.
Complaint sub-issue: Account status incorrect

Have submitted proof to Equifax on more than one occasion that XXXX was supposed to fix the errors in reporting to my credit for XXXX XXXX XXXX XXXX of 2020. XXXX is still showing delinquent even though I submitted the proof its not being fixed
Complaint sub-issue: Information belongs to someone else

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -US DEPT ED XXXX  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: Received bad information about your loan

FedLoan continues to send me letters that state they have applied all payments including the PSLF waiver, when they have not. This process continues to be frustrating, stressful, and all together a huge letdown.
Complaint sub-issue: Was not notified of investigation status or results

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX OF XXXX / {$0.00} / XX/XX/XXXXXXXX XXXX  / {$0.00} / XX/XX/XXXX XXXX XXXX/ {$16.00} / XX/XX/XXXX XXXX  / {$0.00} / XX/XX/XXXX
Complaint sub-issue: Seized or attempted to seize your property

My name is XXXX XXXX. This is a complaint regarding a debt collection law firm called cheadle and cheadle law. They have had my license revoked since 2011 in which XXXX XXXX sued me for the cost of another persons car as well as other things which added to the XXXX $ debt. XXXX XXXX turned the case over to cheadle and cheadle law in which revoked my license immediately with no notification. I have attempted reasonable payments but they refuse and expect me to come up with XXXX $ down that I can not afford in order to get my license back. I am an XXXX XXXX that has been forced to work at low paying jobs because of this I can barely afford my family as it is let alone a XXXX $ down payment.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person. I am a living being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below be removed because, according to 15 USC 1681 : I have a right to privacy and I did not give Equifax permission to furnish these accounts. 
Accounts : XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX {$24000.00} XXXXXXXX XXXX XXXXXXXX XXXX {$13000.00}
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I recently used XXXX XXXX to dipute my student loan that went to collections sometime around XXXX. The company was originally XXXX XXXX XXXX XXXX they sold their operations to XXXX XXXX XXXX. The problem is XXXX credit report had XXXX for my loan collection so when XXXX XXXX disputed it as it has been closed since XXXX they removed it from my report no problem. Equifax has the same collection but it is under the parent company XXXX who is no longer reachable as they have closed and sold their business so my dispute and collection is still on my equifax report. I have tried contacting both loan companies and can't find information on either as they both have XXXX down their operations and sold their companies due to lawsuits. I need the dipute finalized and the negative account removed from my credit as it has been over 7 years since it was closed nit to mention they in fact removed it from XXXX XXXX so they should rightfully remove it from equifax as well.
Complaint sub-issue: Account information incorrect

I recently during the pandemic fell behind on my payments due to financial hardship and the fact I just had a child. Prior to my initial missed payments I had a good payment history and even after those missed payments I kept up with payments. The payment that was missed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were only due to a real natural hardship and the pandemic that took place and I beg that you forgive them being that I have good track record and the account is already considered paid and closed. The missed payments are also affecting my ability to obtain more credit and is hurting my financial reputation.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I have sent four letters to this company to verify the debt via certified mail and they have not responded to me at all. Per the Fair Credit Reporting Act if a company does not verify a debt within 30 days they have to remove it which I have confirmation with the USPS that they have received multiple letters from me and they have failed to response with any information verifying the debt showing my signature and that I owe them any money. They also have failed to remove the account from my credit reports.
Complaint sub-issue: Account terms

Equifax has continually reported the a charged off credit card on my credit report twice. This has been going on for about 5 years. Equifax refuses to fix the situation. My most recent dispute was closed XXXX/XXXX/2015. They claim the account is only on my credit report once. When I check the credit report today it is still being reported TWICE. I only had on credit card with XXXX XXXX XXXX. Thats it. The account number, date opened and balance are all the SAME. I have attached the most recent credit file.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX  reporting incorrect late payment for XX/XX/XXXX - This reporting is INCORRECT account was paid on time XXXX XXXX XXXX reporting incorrect late payment for XX/XX/XXXX and XX/XX/XXXX - This reporting is INCORRECT account was paid on time XXXX XXXX  reporting incorrect late payment for XXXX - This reporting is INCORRECT account was paid on time XXXX  XXXX reporting incorrect late payment for XX/XX/XXXX - This reporting is INCORRECT account was paid on time
Complaint sub-issue: Problem with statement of dispute

I would like to file a complaint against Equifax for consistently reporting erroneous information regarding my credit report. This agency has continually reported outdated erroneous information and all the while omitted or blundered good information. I have reached out to them several times but they have not challenged the creditors and to boot have adversely reported good information. By the way all other agencies have complied with fair credit reporting policies, that 's why the other agencies have consistently reported my credit score higher than Equifax. 
Creditors in question are XXXX XXXX XXXX, and XXXX CA XXXX. Equifax is reporting the XXXX XXXX XXXX XXXX items as having received the last payment in XXXX, which is incorrect. The last payment XXXX received from me for these XXXX accounts was XXXX XXXX which means that these items should have been removed by XXXX of XXXX. Regarding XXXX CA XXXX, this account is totally out of compliance as of XXXX XXXX as it is beyond the mandated XXXX year maximum reporting period.I have an account with XXXX for XXXX that I am paying on time and miraculously Equifax has omitted its status, but XXXX XXXX XXXX have reported it in good standing. It has been emotionally challenging dealing with Equifax as they repeatedly report erroneous information that I have to use my days off in order to attempt to get them to correct. At this juncture I am appalled by their negligent reporting practices and am seeking your assistance to force them into correcting their credit reporting errors, and to remain compliant in the future. 
Sincerely, XXXX XXXX.
Complaint sub-issue: Information is missing that should be on the report

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX   XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Have enclosed a two bills ***PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX BEEN LIVING THERE SINCE XX/XX/XXXX THESE ADRESSES ARE MY OLD ADRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX Old number and is no longer mine : XXXX *****MY CORECT NUMBER XXXX CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 

XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Information is missing that should be on the report

On multiple occasions I have been victim of the false pre-approval advertisement emails by Credit Karma. I have used them for credit reporting for many years, and was surprised to find that they were falsely advertising to me. I have not complained as of yet, because I did not know that this was happening to other people. I thought it was just my account being messed up. Please let me know how I can submit a claim concerning this issue. 

Thank you and God bless you in your efforts. 

XXXX XXXX
Complaint sub-issue: Received bad information about your loan

In XX/XX/XXXX, I filed a prior complaint with the CFPB, number XXXX, regarding PHEAA 's incorrect determination of my qualifying payments for PSLF during my employment as a law clerk with the United States District Court for the XXXX XXXX of Pennsylvania ( XX/XX/XXXX, through XX/XX/XXXX ) and the United States Court of Appeals for the XXXXXXXX XXXX ( XX/XX/XXXX, through XX/XX/XXXX ). Following that complaint, PHEAA provided the attached list of its determination of my qualifying payments during these employment periods. Among other issues, PHEAA concluded that a number of payments for loan sequences 5 and 6 --  from XX/XX/XXXX, through XX/XX/XXXX -- were made under an " Ineligible Term. '' On XX/XX/XXXX, I called PHEAA and spoke with XXXX, a supervisor ( Employee ID XXXX ). I explained that I have documentation during this period that designates these payments as made under a " standard '' plan and asked why PHEAA determined they were made on an " Ineligible Term. '' XXXX told me that, because this is a consolidated loan, these payments were probably made on a " consolidated standard '' repayment plan, which is not a qualifying standard repayment plan. I asked XXXX to send all of the documents that PHEAA used to make this determination, and she said that PHEAA would do so within 24-48 hours. On XX/XX/XXXX, PHEAA sent me a message and letter, which are attached here. These documents have nothing to do with my request and do not shed any light on how PHEAA determined that these payments were made under an " Ineligible Term. '' I have not received any other information from PHEAA regarding this issue.

Please note that this is one of three complaints I am submitting today regarding my experience with PHEAA. Thank you.
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/2020, my credit report showed I had a late payment for my best buy account, which hurt my credit. I called customer support to dispute this error on my credit report. Customer support mentioned they would correct the reporting due to the COVID 19 pandemic. They would waive the late payment. On XX/XX/2020, the late payment remark was removed from my report and corrected, showing 100 percent on-time payments. On XX/XX/2020, my credit report showed a late payment remark on my account for BestBuy. My credit report dropped 38 points, displaying I delivered 82 percent payments on time. I called customer service to dispute the error. Customer support mentioned they would correct this error and add notes to my account to have it reversed for the second time on my credit report. On XX/XX/2020, my credit report showed the correction to my best buy account, delivering 100 percent payments on-time and a balance decrease. My credit score increased by 40 percent on XX/XX/2020. On XX/XX/2020, my credit report for the third time displayed a late payment on my best buy account and an increase in balance by {$1900.00}. My credit score dropped 84 points because of this error in reporting on XX/XX/2020. I have not purchased anything from BestBuy using my credit card during XXXX, XXXX, XXXX, or XX/XX/2020. I made a {$2000.00} payment on XX/XX/2020, which should have balanced at {$38.00}. I called customer support about this issue, but I am tired of hearing the same thing and dealing with this nonsense.