Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

An account named ERC or Enhanced Recovery Co L has fraudulently reported a debt through what is listed as XXXX in the amount of {$440.00} to my credit report on XX/XX/2020. I have no prior acknowledgement of this account and received zero communication or information from ERC or XXXX prior to this debt collection landing on my credit report. I have been a victim of fraud and theft of my personal information including my social security number in the past. I know 100 percent this account is fraudulent. When requesting information regarding this account through ERC the employees became hostile and refused to provide any information to me as to the legitimacy of this account. I also have no documents of this account aside from it being listed on my credit report.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX, I spoke with someone from XXXX because a collection appeared on my report for {$310.00} and they stated that the company americollect has the account and Verbally verify the account with no type of info on what the account was all they know it is a medical account I contacted Americollect and they stated it was a medical account from XX/XX/2019 which was from a doctor XXXX they could not give me any information on the account so I proceeded to ask XXXX to investigate this again and all they could say is that they would have to verify that this is my account with no itemized statement or anything pertaining to what it is please help me I dont know what this account is for.
Complaint sub-issue: Their investigation did not fix an error on your report

My student loans are currently in deferment yet XXXX  is still reporting my payment status as late and it is severely affecting my score
Complaint sub-issue: Information belongs to someone else

Due to the breaches from each of the credit agencies. This is the 2nd time my information was able to be used by someone to obtain goods and services in my name. I sent each of the credit bureaus my identity theft report, my copies of my driver license, my last check stub, and a request to have this fraudulent information removed from my report. Each has asked me to allow 30 days or more to have the information reviewed. In the meantime I am unable to obtain credit due them not taking the necessary steps to protect my credit file within their system. According to the fair credit reporting section 605B, they had 4 business days to remove or block this information from my file and they have failed to do so.
Complaint sub-issue: Their investigation did not fix an error on your report

I RECEIVED A COLLECTION NOTICE FROM AUDIT AND ADJUSTMENT I PAIDED THE COLLECTION IN WHICH IS WAS A MEDICAL COLLECTION..AMOUNT XXXX ON I WAS PAIDED MONIES BACK BY MY INSURANCE COMPANY AND THIS COLLECTION SHOULD BE REMOVED FROM MY CREDIT REPORT SINCE IT WAS A MEDICAL COLLECTION.. I HAVE FILED A DISPUTE WITH EQUIFAX AND TO THIS DAY IT IS MARKED AS PAIDED BUT NOT REMOVED. ACCORDING TO THE NEW LAW A PAIDED MEDICAL INSURANCE BILL PAIDED BY INSURANCE SHOULD BE REMOVED..
Complaint sub-issue: Account status incorrect

In XXXX I asked for a C.a.r.e.s. act forbearance on my loan and it was granted for 3 months. After 3 months I received a letter stating that the forbearance was automatically extended for 6 more months. During the Cares forbearance XXXX continued to bill me of which there is a current class action lawsuit. Due to the fact that they kept billing me I wasn't sure if I was delinquent or not because of the frequent bills coming in. The mortgage company never told me exactly when my forbearance was over and they then reported me 30 days late to the credit bureaus in XXXX XXXX which damaged my credit rating severely. I need XXXX to remove the 30 day late from my report. I am currently current on my payments after finding out exactly what was going on due to the companies negligent billing practices. 

XXXX also added a 3rd party insurance policy to my account even though I faxed them my current condo insurance twice and uploaded it to their website. I need this insurance premium refunded to my account as I was already insured and provided proof 3 times...
Complaint sub-issue: Can't get other flexible options for repaying your loan

I was paying my loans monthly for 2 years on time never late. Was paying XXXX a month on XXXX loans .Was taken off off payment plan that I was on and never advised until sallie mae began taking double the amount from my checking account for my monthly payments. I contacted them and was advised that that program ended. When I told them I could not afford the XXXX + a month they advised me to let the loans go delinquent then contact them to be set up on a new program, but because at that time my loans were current I did not qualify for anything. So now my credit score has dropped because they have reported this to credit bureaus.when I called in to get set up on a payment plan they said all I was eligible for was interest rate reduction to 4 %, which would make payment XXXX.Previous plan i was on was 2 % and they said they no longer offer this. I told them I can not afford this I have a family of XXXX .my wife is unemployed. I am the only income. I have a XXXX XXXX XXXX and XXXX XXXX XXXX.i work in the aviation industry as a XXXX XXXX for a commercial airline. It is no secret how the airlines have been affected with pandemic. My hours and pay have been cut in half and now on reserve and my seniority in the company affected due to furloughs and base closures. I continued to make the XXXX payments when COVID hit because I did not want to ask for help and we had a little money put back and we were making it work. Who knew the pandemic would still be affecting everyone. I am not asking for them to stop payments, I am asking them to work with me on payments I can afford. Its not like we are under normal circumstances today and I know they have the ability to help. I am requesting communication with a payment plan I can work with and any negative reporting on credit report fixed since they are the ones who advised me that my loans had to be delinquent before they could help me, even though I spoke with them before they went delinquent to try and get a new payment plan. I feel this is not my fault.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Received bad information about your loan

I applied for a loan to refinance my student loans with CommonBond on XX/XX/2020. I received confirmation via email. Since then I have not received a a result and have been asked for multiple information by them including adding a co-signer. I have not received an answer to them since XX/XX/2020 regarding if I was approved, a loan rate, or anything. I have contacted them via email multiple times and via phone. 

CommonBond asked me to add a cosigner 4 days later on XX/XX/2020. I was back and forth with them by them stating that my co-signer put the wrong income amount. When they sent two years of tax returns they stated they could only verify a wrong amount. When I looked at the tax returns and it was more than half of what is listed on the tax return. They did not reply to any emails that I sent after this. I have attached all of my communication with them.
Complaint sub-issue: Threatened to take legal action

I terminated my account with XXXX XXXX XXXX. At that time XXXX said that my residual balance for a partial month 's service would be billed and paid using my already existing electronic bill payment service. The amount due was {$23.00} was paid via this service on XXXX/XXXX/16. On XXXX/XXXX/16 I received a collection letter via USMail from IC Systems, threatening to take legal action on this amount. I attempted to contact them online and was informed that I should call! XXXX. I called this number repeatedly, and was never able to get through. This account was never late!
Complaint sub-issue: Account information incorrect

I have submitted several letters to all XXXX credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with XXXXXXXX XXXX XXXX . They keep sending me a letter that this account was verified, but have failed to explain WHY, WHO, & WHEN? They have failed to present me with their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', and ''date of last activity ''. Please delete this incorrect and unverifiable information from my credit report.
Complaint sub-issue: Personal information incorrect

This is my second time writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to ensure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy I demand the deletion of all personally identifiable information from my consumer credit report with the exception of : My Full Legal Name : First & Last Name XXXX XXXX XXXX Address : Address, City, State Zip XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( xxx ) xxx-xxxx Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 



My true and only name is XXXX XXXX Remove any other reported names immediately!! 
My true and only address XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX any other reported address immediately!! 
My true and only Date of birth is XXXX add the full date and remove any other reported dates immediately!! 
My true and only SSN XXXX Remove any other numbers you may have on file!! 

Immediately delete this personal data below and delete any and all accounts attached to this inaccurate data! 

These items are reported inaccurately : NAMES : XXXX XXXX XXXX XXXX XXXX XXXX Prior Residency : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Current Residency XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Date of Birth XXXX XX/XX/XXXX XXXX CURRENT EMPLOYMENT XX/XX/XXXX Current Position XX/XX/XXXX Prior Position XX/XX/XXXX SSN XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I has an account with XXXX in XX/XX/XXXX and paid the account in full a few months later. The company came back later to indicate I still owed money and when I refused to pay because I had evidence that the bill was paid in full, they reported that I was late to the 3 credit bureaus. To avoid further impact to my credit report I paid the money. 

In XXXX of XXXX, I received a letter and a check from the FTC indicating that According to the FTC 's complaint, XXXX  engaged in numerous deceptive or unfair practices, including : falsely advertising that it would accept payments by credit or debit cards failing to properly and timely credit payments made by check providing deceptive payoff quotes to customers trying to collect more money than the quoted payoff amount and making unauthorized charges to customers ' bank accounts. 

When I reported a dispute to all 3 credit bureaus to have the missing payment information removed from my credit report based on the FTC information I received, but all 3 came back to indicate that XXXX indicated the information is correct, rather than take into consideration the FTC notice which I have file several complaints with multiple agencies about XXXX  practices and the inaccurate information on my credit report. I want the information corrected by all 3 credit reporting agencies because the FTC has proven that XXXX XXXX  practices have impacted my credit ratings.
Complaint sub-issue: Personal information incorrect

I was turned down for my mortgage because LexisNexis states I am deceased. I am a 100 % service connected XXXX XXXX Veteran so I am old but definitely not dead. They refused to remove the information.
Complaint sub-issue: Account information incorrect

I filed a complaint with the collection agency but the bureaus, in my opinion, hold some responsibility also. The only reason I know about this is because I received an alert from my credit monitoring service to a new collection reported. I have been working on my credit and was getting much better. Real quickly, my monitoring service just posted a collection from XXXX XXXX XXXX account # XXXX. I looked them up online and they seem to be out of XXXX XXXX. The collection shows online that the original creditor is XXXX XXXX XXXX XXXX with a balance of {$11000.00}. I never received a phone call nor any letters from this company which I filed a complaint about. Additionally, the bureaus are showing as a voluntary repossession from XXXX XXXX XXXX XXXX, account # XXXX, with a balance of {$12000.00}. The issue is now I have 2 negative items both showing a balance owed for the same thing, and both are effecting my debt to credit ratio twice for the same debt. My understanding is the credit bureaus can not report a balance from an original creditor after it is sold to a collection company. The balance has to be XXXX XXXX out from the original creditor. Otherwise, the original creditor shows a debt owed, the collection shows a debt owed for the same debt and I get penalized twice on my debt to credit ratio. I am in the process of getting a loan and this is the last thing I needed to happen.
Complaint sub-issue: Information is not mine

Reached out to dispute information on my credit report that was entirely incorrect and hurtful to my score. Company informed me that they reviewed the dispute, but the information is still present on my account.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX TODAYS DATE : XX/XX/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 Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed. 
XXXX XXXX XXXX Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid in settlement. {$1600.00} written off. 
XXXX XXXX  XXXX Potentially negative Date openedXX/XX/XXXX Balance {$870.00} StatusAccount charged off. {$1000.00} written off. {$870.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX Potentially negative Date openedXX/XX/XXXX Balance {$12000.00} StatusAccount charged off. {$11000.00} written off. {$12000.00} past due as of XX/XX/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 623 ( 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 ( furnishers ) 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 XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX
Complaint sub-issue: Public record information inaccurate

The XXXX County court ordered me to pay XXXX XXXX in the rears and made an adjust to the monthly payment. The state of North Dakota is reporting me 120 days late from the time the Judge made the order. Judge made a provision for the back XXXX XXXX XXXX of 10 % to be an addition to the XXXX ordered monthly. I believe the first payment of XX/XX/17 was the first actual payment that could be made. The State of North Dakota Department of Family Services is has damaged my ability to get financial capital to be able to pay off this debt as it has adversely affected my credit profile. I reached out to XXXX XXXX the case manager on 2 accessions over the phone as well as other people in the Department and said basically they didn't care how it was reported and would not correct the errors. I also would like to have the accounting of the payments to be reviewed to make sure the balance is correct. 
case XXXX XXXX XXXX County North Dakota Pages 11-16
Complaint sub-issue: Information belongs to someone else

This company is fraudulently reporting incorrect information for my daughter and I. They are fraudulently reporting that we are the same person. They are illegally reporting that we are aliases of one another. We do have the same first name only and different last names. She's my daughter so we have resided at the same addresses and we've been authorized on each other 's credit cards, etc BUT we have different date of birth 's and different social security numbers. This company has failed to verify any type of facts before sharing personal information and details. Because the names are similar, they never take the time to confirm and verify if it is the same person or not. They have caused my daughter and I to be declined credit, declined rental assistance, rejected applications and higher interest rates and security deposits. They have never verified if we are the same person or not even though our information is completely different. Both of our information is listed on each other 's credit reports, public records, background checks, employment history, XXXX major credit reporting agencies, insurance reports, etc ... We are requesting that this company removes all information that it has listed for both us and wipe the report clean. We are requesting that the company sends each of us SEPARATE copies of our consumer reports and files for us to each review. We are requesting that a security freeze is added to both of our files so that no further misleading, misinformation, incorrect, fraudulent information is reported again until all matters have been resolved. We are requesting that they refund us for the extra money that we had to pay out of pocket to dispute, repair and correct our profiles only for them to submit the incorrect information illegally again. We are requesting a refund of the extra interest rates that we were charged because our scores decreased due to incorrect reporting. We are requesting that this information is completed expeditiously and that it is not delayed or held up any further. This company stated that they have no control over what other company 's submit to them or have no control over what my score is or what my report reflects. This company continues to report the wrong name, spelling of my name, wrong last name, wrong addresses, wrong phone numbers and wrong credit information. This company has failed to send me a physical paper copy of my credit report. I have called them consistently requesting a paper copy of my report. They have sent documents to my daughter and I requesting that we sign into a website and submit a pin number to access the files. The pin number doesn't work. WE WANT A PHYSICAL COPY OF THE REPORT! NOT ACCESS TO THE REPORT ONLINE! WE DO NOT HAVE A COMPUTER, PRINTER, COPIER OR FAX MACHINE! SEND A PAPER STATEMENT OF THE ACTUAL REPORT! They have also failed to remove any incorrect information for me including personal information, credit inquires and credit accounts. WE NEED AN EXPEDITED, CURRENT COPY OF OUR CONSUMER REPORT TO BE SENT TO US VIA OVERNIGHT SHIPPING EFFECTIVE IMMEDIATELY!
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX reported that this account does not belong to me and the credit bureau has not deleted after been notified from XXXX that this account reporting does not belomg to me.
Complaint sub-issue: Account status incorrect

I received a letter from XXXX XXXX in XXXX of 2022 informing me that the late payment on my credit report will be removed from all three Credit Reporting Agencies. However, its still reporting on all three credit reports.
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 602 A. States I have the right to privacy.

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

I initially had this card through my job, which I have since left.. the card was still active when I used it to receive some overpayment from SSI. This was in XXXX I left the money on the card for my son. So this year I was going through my CC and realized that the card in question had expired in XXXX of XXXX. I thought perhaps I had not updated my address with the company so I called and submitted a request to update my address. They would not let me update without providing identification. I obliged by providing my Drivers License, SS # and a current Student loan document with the date/address/and my full name. I received an email from the compliance dept stating they could not clearly see the documents. So I scanned and uploaded the documents again. I called and tried to explain the documents were in color and showed all 4 corners. So, I ended up sending/uploading these documents 3 more times and each time they refused to accept these documents. I called again and requested to close the account and to please issue a check so I can deposit the funds into my bank. I have not received any correspondence since. I receive a text from this card company stating the amount in the account but they claim they need the same documents but the documents must pass their compliance dept. This makes no sense to me considering all the documents were government-issued. They also sent a secured email claiming I wanted to reset my password which I did not make this request. I have encluded all emails.