Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Billing problem

The situation with Ally Auto began last year during covid. We were offered more than XXXX extension last year due to covid and none of them were honored. It became evident when it started showing up on our credit report. During communication with their customer service, we would repeatedly ask if our account was current and were reassured that we were only to find out later, usually beyond the 30 day past due mark, that it was not. This issue has been continuously ongoing for the past year. Our vehicle ended up in XXXX status in the month of XXXX. Ok, we will make arrangements to pay, catch up and clear our account so that it will not further damage our credit. We worked with a gentleman from their XXXX dept and were given the amounts we were to pay for our account to come out of XXXX status and become current. We made al the agreed upon payments, at the time we were scheduled to make them only to find out today, XX/XX/XXXX, that our account was not current in XXXX, XXXX and XXXX. I honestly think that it is a result of the covid extensions not being honored that has had a ripple effect to now because we have been making monthly payments to this company, in the full amount. I am tired of this company telling me something different every single time I call them. It is ruining our credit and the frustration at this point is inexplicable. No one will help me other than to keep pushing the notion that I am late. I need help and resolution because they are single handedly ruining our credit.
Complaint sub-issue: Their investigation did not fix an error on your report

Reporting inaccurate information on my credit report this debt now says closed and dosent belong to me.
Complaint sub-issue: Information is missing that should be on the report

Equifax and XXXX  a for y experience the worst companies on earth. I was the founder and CEO of two companies myself and they will have been bankrupt if they were not in a XXXX  business blackmailing customers with wrong information. 
You wait HOURS on the phone to get someone and they provide no JUSTIFICATION..nothing ..
Complaint sub-issue: Information belongs to someone else

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to  follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently disputed an erroneous account on my credit report with equifax. The alleged account has so many inaccuracies, dates.. wrong name, address, incorrect amounts reporting across all bureaus. I received a response from equifax saying updated information was processed from a dispute from XXXX  and no real investigation was done because there is no way to correctly report it with so many inaccuracies on for account. I have submitted all the information needed to clearly verify my claim. I wish to have this deleted immediately because its defamation to my character and I know without a doubt I can win a case with the evidence I have. Thank you for your time. 
Regards, XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In 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, has violated my rights. Also the credit bureaus stated these accounts was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. 


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 They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022 I sent letter to Equifax, XXXX and XXXX to remove all addresses that I am not associated with and only list my current address. I also has several unauthorized inquires on my credit file that needs to be deleted. As of XXXX XXXX, 2022. I have not received a response regarding these issues that are negatively affecting my credit profile.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

I called off a mark on my credit report. The recording said it was a collection agency and that calls are recorded. When the collector XXXX got on the phone she asked a couple verification questions and told me calls are recorded and it is an attempt to collect a debt. Not one time was I given the full XXXX XXXX This is an attempt to collect a debt any information obtained will be used solely for that purpose. I advised the collector XXXX that she had broke FDCPA by not giving me the entire XXXX XXXX she said she did. I disagreed with her and hung up. I then waited a couple of hours and called to talk to a manager that told me because I knew I was calling a collection agency she didn't have to give the full XXXX  XXXX  I advised on first contact you have to or in violation. She said they mailed a letter and that was first contract. I told her I had never spoken with anyone prior to today and never received a letter she claims it is not first contact. Obviously I disagree
Complaint sub-issue: Didn't receive notice of right to dispute

I would like to report this collection company to the Consumer Protection Bureau For their unlawful credit reporting practices. I called the collection company in my social security is not even in their sister but yet they have been reporting collection account in the amount of {$4400.00} that has never been validated because I never received a 30 days notice by law that they are required to send to all consumers. I would like to ask them to provide me with contract with my signature what this dollar amount is for and why they did not notify me prior to reporting it to XXXX XXXX, and XXXX.Just to clarify I am a XXXX of XXXX XXXX XXXX and my husband passed away at age XXXX from XXXX. I only have XXXX and I'm waiting for XXXX XXXX to approve me for XXXX. I can not get low housing because of my credit that is destroyed by this collection company. I'm a XXXX woman and my rights are protected through the XXXX XXXX.
Complaint sub-issue: Attempted to collect wrong amount

I received a letter from TRS Recovery Services , Inc., XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX  XXXX Telephone number XXXX, dated XXXX XXXX, 2020. 
This is a false collection. I have never written check # 130 to XXXX XXXX XXXX on XX/XX/2020 in the amount of XXXX. I will not pay this amount or the {$25.00} return check fee. This is not my account or my check. This company has sent letters before demanding money on bounced checks with were also fraud. 
I request that TRS remove my name and this collection notice from their system. THIS IS FRAUD. 

TRS Reference # XXXX
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to mi ability to get a better job as well as get fundig .Please remove these items, any none account holding inquiries and any address other than my current address to prevent any further damage to my credit report. 
An FTC had been filed and a police report will be filed. 
Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I applied for an XXXX XXXX credit card today XX/XX/2020 and I was not approved. I called to ask for the reason why I didn't get approved and they told me that it was because there were three accounts that were maxed out on my credit report and some inquiries ; I had no idea what they were talking about since I barely use my credit cards but after looking through my credit report I saw those accounts and none of them belong to me. I did not open those accounts and I have never allowed anyone to open those accounts in my name. I do not have any written/verbal contract with those companies and I have never gained anything from those accounts such as money, goods, services or any other benefit nor have I ever made any payments towards any of those accounts. I filed a police report as soon as I found out about these accounts as well as a complaint with the Consumer Financial Protection Bureau.
Complaint sub-issue: Attempted to collect wrong amount

robo calling and asking for XXXX XXXX however keep me on hold then hang up. 

I have not business relations with XXXX XXXX
Complaint sub-issue: Public record information inaccurate

In the beginning of XXXX, 2020 a mortgage company ran a background check on me and lexisnexis sent back a report claiming that I have 4 foreclosure. I don't have any foreclosures. I don't even have a mortgage on my property.
Complaint sub-issue: Debt was paid

XX/XX/2019 i paid XXXX XXXX XXXX off. It immediately fell off of XXXX  and XXXX. 
Never fell off of experian. 
I call the debt collector 9 Months later and ask why its not off. They say i still neeed to pay it. So now they claim its being reported to all 3 agencies monthly. But the only agency that has any information on it is XXXX. 
Now i cant get ahold of experian. And the debt collectors just want me to pay. When i know i payed already. Now i have the creditor telling me one thing. And every credit report company out there Is telling me another. I will from now on make sure i keep all receipts of any payments i make
Complaint sub-issue: Account information incorrect

Bank of the West : XXXX XXXX I paid this account off almost a year ago and they are still reporting and updating my credit report with an open balance.The company is currently in violation. This needs to be fixed immediately. This has been negatively affecting my credit score over this past year. Remove this negative account off of my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

XXXX Equifax and XXXX XXXX are reporting in accurate history on my credit report with XXXX XXXX XXXX XXXX and XXXX XXXX totaling 31 late payments. Section 623 of the fair credit Act strictly calls for accuracy for consumer reporting agencies. Also Equifax has refuse to remove the 2 collections on my credit by XXXX, XXXX for {$420.00} and XXXX XXXX, XXXX for XXXX in which I have or had no accounts or affiliations with the creditor or it's partners. XXXX and XXXX XXXX have remove the collections from my account however they remain with Equifax.
Complaint sub-issue: Personal information incorrect

Every 30 days since XX/XX/2021 I have written to the bureau advising them that my personal information is incorrect but they still have not made the corrections. With every letter I include my GA state ID and my social security card as proof that : My name is XXXX XXXX XXXX. Any other variation of my name is unknown and unless it can be verified should be removed. 

My only address is XXXX XXXX XXXX XXXX, GA XXXX. Any other address is unknown and unless it can be verified should be removed.
Complaint sub-issue: Having problems with customer service

I still have several loans that have been paid off and have a {$0.00} balance but are still showing as an open account on my credit report. They are also showing the status of late which is hurting my credit score since they are not late and have been paid off for years now.
Complaint sub-issue: Their investigation did not fix an error on your report

I HAD PREVIOUSLY SEND IN A CERTIFIED AND NOTARIZED LETTER TO THE CREDIT BUREAUS IN REGARDS TO INQUIRIES THAT WAS NOT AUTHORIZED BY ME. I ALSO SENT IN A IDENTITY THIEF AFFADAVIT AS WELL AND WAS STILL IGNORED THE CREDIT BUREAUS ARE IN VIOLATION OF THE FCRA IN REGARDS TO IDENTITY THEFT. THEY DO NOT EVEN READ THE DOCUMENTATION THAT I SENT TO THEM IT GOES SOMEWHERE IN A FOREIGN COUNTRY SOMEWHERE. I I JUST FOUND THAT OUT THEY ARE SENT TO SOME FOREIGN COUNTRY SOMEWHERE AND THEY DO NOT EVEN TAKE THE TIME TO READ THE CERTIFIED DOCUMENTATION THAT I TOOK THE TIME TO TYPE OUT THEY JUST KEEP SAYING THAT THE INQUIRIES HAVE BEEN VERIFIED THEN I ASK FOR VERIFICATION OF THE INQUIRIES AND THEY NEVER SEND ANY VERIFICATION BACK TO ME WHICH MEANS THEY ARE SUPPOSE TO DELETE THESE INQUIRIES IF THEY DO NOT HAVE SUPPORTING DOCUMENTS PROOF
Complaint sub-issue: Problem with personal statement of dispute

I had financial issues due to the Covid pandemic, exponentiated by additional familial responsibilities during the pandemic. The company decided not to remove missed payments during this time, because of this, I continue to experience financial difficulties, despite not missing any other credit line or loan payments since the height of the pandemic.
Complaint sub-issue: Account status incorrect

On or around XX/XX/2022, I attempted to access my account to make a payment. When I attempted to access my account, I saw that it had been blocked. I immediately contacted XXXX who told me there was a technical issue that be resolved soon. After being unable to login for a week, I contacted XXXX XXXX XXXX who changed the reason for me being unable to access my account and stated that it had been blocked. I requested paper statements until the issue was resolved but they declined. A XXXX representative also told me the account would not be reported to the credit bureaus until the issue was resolved, but on XX/XX/2022 they reported the account delinquent. XXXX has made it impossible for me to make a payment on the account because of their IT issues.
Complaint sub-issue: Their investigation did not fix an error on your report

For 3yrs, i have notified the CRAs of fraudulent information on my credit. For 3yrs they just reverify ... everything ... so on XX/XX/18 i sent an internet to sue letter. They're response was ... ... they now report i owe over 1 million dollars in student debt! I really owe XXXX per my monthly statements. One of these student loans shows me 120days late from the day it opened ( while i was in school/ deferred ) My life has been affected in so many ways ... where i live, where i work, what i drive, where my kids vacation, my self esteem and my health. 
XXXX XXXX XXXX keeps moving my last activity date forward and checked my credit to file a lawsuit against me. 
Being rude and impossible to talk to. 
I have a recent XXXX collection but have been with XXXX for 5yrs! I have a first XXXX credit card collection that was never mine ... 
No one will provide me evidence of where there getting these from. 
XXXX reported me 30 days late and i wasn't..i disputed it..so they updated those months to current then reported other months late! Causing me a credit score decrease of 60pts
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and it seems that this will never end. I check my credit profile weekly and have signed up for numerous credit monitoring services in order to monitor my credit profile. I have submitted a dispute in reference to a fraudulent XXXX account and this account is still reporting on my credit file. i submitted the required documentation and this account is still reporting. I have also submitted a complaint to the XXXX and the XXXX as this is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently filed a complaint with the CFPB about a fraudulent account that was being reported on my credit reports for XXXX and Equifax, which they have actually removed. However, a residual issue exists with that complaint. 1. Equifax has not readjusted my credit score from when the account was reported on my Equifax credit report, which the day before the fraudulent account was placed on my credit report, my Equifax score was XXXX. After the fraudulent account was placed on my Equifax credit report, my score dropped XXXX points. Equifax has removed the fraudulent account, but my score still remains at XXXX.
2. XXXX has not readjusted my credit score from when the account was reported on my XXXX credit report, which the day before the fraudulent account was placed on my credit report, my XXXX  score was XXXX. After the fraudulent account was placed on my XXXX credit report, my score dropped XXXX points. XXXX has removed the fraudulent account, but my score still remains at XXXX.
3. XXXX never reported the fraudulent account on my XXXX credit report, HOWEVER,  XXXX adjusted my credit score with them based on XXXX and Equifax reporting a 'new collection/major derogatory account '. Consequently, my credit score with XXXX dropped from XXXX to XXXX. ***Seems something inherently wrong with XXXX dropping my credit score with them based not on what was being reported on my XXXX credit report but rather what was being reported by the other XXXX reporting agencies****. Regardless, neither Equifax, XXXX or XXXX have re-adjusted my credit scores to reflect that the fraudulent account was removed, which is resulting in higher interest rates for car and personal loans.
Complaint sub-issue: Was not notified of investigation status or results

I have file a police report for fraud on XXXX XXXX XXXX this is not my account I have told the bureaus that is isnt mine and they have not done anything to this day. I have also file a dispute for XXXX XXXX it is to old to be on my report and they havent remove that either.
Complaint sub-issue: Their investigation did not fix an error on your report

I have recently contacted XXXX, Mohela, XXXX, and XXXX. 

I recently had a student loan XXXX because I am XXXX  and XXXX  XXXX. 

XXXX and XXXX has this loan as XXXX. That's good. 

My question, and problem, is that they keep reporting late payments from about 5 years ago. I'm XXXX, have XXXX XXXX  XXXX XXXX, as well as other XXXX  XXXX  problems, and it will do no good for me to have the loan XXXX and carry the late payments, which are under dispute. I say under dispute because I received a forbearance or deferment during those times, my income never went up, and thus should've been in forebearance or deferment. That is proveable as I get income from XXXX  XXXX  and XXXX. 

Besides that, each of the XXXX entities above claim that the other is the one to delete the " late payments. '' So who would be responsible for doing that and who does what next? 

This is very troubling and confusing. You simply can not get XXXX on the phone... they've set their phone menu up to direct you to their website in EVERY CASE. 

Mohela is so busy that in practicality you can't reach them. 

Only XXXX can be reached on the phone. Otherwise I send messages and they refer to the other party. Now tell me that this isn't a common occurence. People need to know the solution to it, rather than wringing their hands. 

I'd like to get this resolved before I die ... surely my last words wouldn't be that I had late payments on this initial {$15000.00} student loan, that was supposed to be taken off after teacher service at a low income school. This loan was taken out 35 years ago, and I've suffered enough, with a balance of over {$200000.00} until recently. 

So, which entity starts the process? Who finalizes it? Please help.
Complaint sub-issue: Account status incorrect

Equifax and XXXX have a XXXX XXXX XXXX ( Balance listed {$260.00} ) on my file. I have paid this account off. I have disputed it twice with these companies and they continue to leave the balance. Each time they have returned no investigative results for the disputes. 

This is a violation of my rights under the Fair Credit Reporting Act.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Ive tried contacting the companys but I get no answer.
Complaint sub-issue: Their investigation did not fix an error on your report

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

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once  identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Complaint sub-issue: Investigation took more than 30 days

I want to start off first with XXXX. I have sent my equipment back and there is no reason why I should be in collections. The second is XXXX XXXX XXXX they sent a letter claiming the debt was verified but that is hearsay. I return the equipment both these company are trying to pull and fast one and get money out of me