Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

All of my credit reports are showing XXXX ( XXXX ) 90 or 120 day late payments in the month of XX/XX/2019 for my student loans with " XXXX/Dept of Ed '', however, my student loans were in Administrative Forbearance from XXXX XX/XX/2019 and General Forbearance XXXX XX/XX/2019. Administrative Forbearance is a period during which payments to federally held student loans have been automatically paused or suspended and interest rates set to 0 %. Thus, it is legal and factual impossibility to be in default or have late payments during the period my loan was approved for Administrative Forbearance. I did request to be in Administrative Forbearance and my application was approved, which included a backdated Administrative Forbearance. The credit reporting agencies have said that payment was late because payment was made during the application for the Administrative Forbearance, however, the Administrative Forbearance was approved and served to backdate the forbearance during the application process, as clearly demonstrated by no late/delinquent notices during the months of XX/XX/2019, when I would have been 30 days late, and again XX/XX/2019, when I would have been 60 days late. In sum, the twelve ( XXXX ) reports of 90 or 120 days late is not only inaccurate because I was on Administrative Forbearance, it is predatory as it has completely destroyed my credit, despite the proper approval for the Administrative Forbearance. I have included a of a correspondence from XXXX XXXX ( the previous student loan servicer ), dated XX/XX/2019, approving the Administrative Forbearance from XXXX XX/XX/2019 and General Forbearance XXXX XX/XX/2019 - again showing the Administrative Forbearance was backdated.
Complaint sub-issue: Information belongs to someone else

I am filing this report because today XX/XX/2020 I tried to refinance my car and I was unable to do so because there were many accounts reflecting badly on my credit report. I wasn't aware that these accounts were on my credit report because none of those accounts belong to me and I did not allow anyone to open those accounts in my name. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I don't know who is responsible for opening these accounts in my name without my permission buy I have already filed a police report. I do not have any written/verbal contract with any of these companies and I did not allow them to run or access my credit information.
Complaint sub-issue: Account status

Old debt reported by Equifax recently is older than 7 years and should be removed. Debt is XXXX in the amount of {$180.00}.
Complaint sub-issue: Account status incorrect

I have sent emails to XXXX, Equifax, and XXXX on XX/XX/22 and XX/XX/22 asking for the payment history and bank statements on the following accounts to verify there late payments. I am sure I have never been late in making these payments. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not mine

I have been receiving calls from XXXX repeatedly at my employer and on my cell phone. 

This person does not identify themselves, they simply say that they are trying to collect a debt. I have asked them repeatedly to stop calling and they continue. 

They have not said who they are, who they are collecting for and what company they are calling from. 

I googled the phone number and see many complaints about the same experiences I am having. 

I have no outstanding debt in collection and believe they are phishing for personal information.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before. I immediately suspected identity theft When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

XXXX XXXX # XXXX is reporting a collection to my credit that should not be on there. I never received any kind of notice for this collection and I only found out about it once I had my credit pulled and saw the account on there. As soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. I HAVE NO KNOWLEDGE OF THESE INQUIRIES AND I ALSO HAVE NO IDEA HOW THEY GOT ON MY CREDIT. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Complaint sub-issue: Debt was paid

In XX/XX/2020 I refinanced my house and paid off all my debts. Conn XXXX XXXX XXXX started called me in XXXX saying the check for {$2900.00} that was sent to them was not the total payoff balance. The person said that another {$300.00} and some odd dollars was remaining now they are saying there is a balance of almost {$700.00}. My question to them was if i owed more money why did it take them almost a year to let me know also that was the payoff amount the lending company said was owed.
Complaint sub-issue: Attempted to collect wrong amount

I called the XXXX XXXX XXXX  XXXX XXXX OF ACCOUNT XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX on XX/XX/2018 and spoke to 3 different people. I had asked that if I paid the {$54.00} that was on my credit report would they agree to remove this debt from the report. I had asked for this in writing or via email. They told me repeatedly that they remove it as a curtesy and would not send me something in writing before I paid. They told me the only thing they would do was send me a receipt after I paid and told me the actual amount that was owed was {$88.00}. They told me that they can not report any debt under {$50.00}. When I asked again to see this in writing they told me that their calls are recorded and that would be my proof. I told them that doesn't give me anything because they are the ones with the recorded call.. not me.. I asked again to have the amount in writing and was denied. I thanked them for their help and hung up.. This doesn't seem legal or legit to me. I want this removed from my credit report ( s ). Thank You
Complaint sub-issue: Problem with rewards from credit card

XXXX XXXX XXXX ( XXXX XXXX XXXX ) Card received XX/XX/2018 Offer said : " Unlimited 2 % Cash Back '' " No Annual Fee '' " Earn {$150.00} Bonus Cash Back After you spend {$1500.00} in eligible net purchases within 90 days of account opening '' I spent over {$1500.00} within 30 days. The 90 days has passed. I never received the bonus. 

XXXX contacted. Their reply is that they will not give me the bonus that was promised. 

This is fraudulent business practice.
Complaint sub-issue: Account status incorrect

Credit reporting agencies, creditors and collection agencies is in violation of the Law
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX Good day- Im in the process of looking for a place to live and they pulled my credit report, and it was denied due to XXXX XXXX reporting that the account is 90 days past due. This was removed/blocked from my credit report in XXXX for it being fraud. Now suddenly it has reappeared back on my account from over 2 years ago. The original Identity Theft Report was dated XX/XX/XXXX. The case # is XXXX. 
If you look back, you can see that this happened, and it reappeared after it being removed. Per my research I should have received a 5-day re-insertion letter which was not sent or received, and by law it can not report on my report. REMOVE OFF MY REPORT AND SEND ME A NEE NEW REPORT WITH THE DELETION & gt ; Again, you are reporting this and its inaccurate. MY children and I will be on XXXX XXXX due to this lie and its crazy. You are supposed to verify all information, and this has NOT been verified or anything. This mistake is hurting my kids. Please correct this now. 

Please assist in removing this from my report. 

Thanks XXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I did not consent to authorize nor benefit from the following account ( s ). Block and Remove
Complaint sub-issue: Didn't receive enough information to verify debt

I have reached out to Exquifax and XXXX XX/XX/2019 to verify this debt and have yet to get a response as it has been passed 30 days but they have updated the balances on this account when this is a charge off and should not be reporting a balance. Theres also  several violations with the way this account is reporting as well for example both bureaus are reporting a different high balance, a different date of the opening of the account, reporting the account as not disputed, the payment statuses differ as well as the last payment dates. The term length is not listed with Equifax which is another violation! According to the FCRA all bureaus should be reporting the same information across the board. All of this information is inconsistent, and inaccurate.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  # XXXX Account name : XXXX  XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX  # XXXX Account name : XXXX  # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate.

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate.

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifaxXXXX XXXX XXXX XXXX did not modify or removed anything.

So i asked for the description of the investigation according to 15 USC 1681i. I still didnt receive anything.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX used predatory lending practices and was in litigation with the State of Texas/Department of Justice . These predatory practices have affected me as a consumer because they have put a charge off on my credit for over {$20000.00} that has been there for XXXX and XXXX months that should not be there!
Complaint sub-issue: Information belongs to someone else

I recently sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification, It is unacceptable and I am getting upset. If the information is not immediately reinvestigated and removed and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act, I reserve the rights to file a law suit against your company or any company you represent.
Complaint sub-issue: Information belongs to someone else

THE INFORMATION I HAVE LISTED BELOW ARE INACCURATE AND UNKNOWN/ IDENTITY THEFT..I HAVE NEVER DONE BUSINESS WITH THESE COMPANIES OR LIVED AT THOSE ADRESS EVEN MY NAME WAS LISTED 3 DIFFERENT WAYS ON THE REPORT THATS LINKED TO UNKNOWN/FRAUD ACCOUNTS XXXX and XXXX XXXX ARE INACCURATE SPELLING OF MY NAME THESE ADDRESSES ARE EVEN INACCURATE OR UNKNOWN I HAVE LISTED THEM I NEED THESE REMOVED BECAUXE THEY ARE LINKED TO UNKNOWN ACCOUNTS XXXX, XXXX, XXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX HARD INQUIRIES -NEVER DID BUSINESS NOR RAN CREDIT WITH THESE COMPAINES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RETURNED THE VECHILE AND THEY SOLD THE VECHILE NEVER SENT THE UPDATED PAYMENT AFTER THE VECHILE WAS SOLD THEY NEVER SENT ME THE REMAINING BALANCE AMOUNT AND NOW THEY ARE REPORTING INACCURATE INFORMATION ON MY REPORT FOR YEARS AFTER THE CAR IS SOLD AND THEY WANT ME TOMSTILL PAY THE FULL AMOUNT WHICH IS FRAUD CONN APPLIANCES, INC #  XXXX-NEVER DID BUSINESS WITH THIS COMPANY UNKNOWN INFORMATION XXXX XXXX XXXX # XXXX NEVER DONE BUSINESS WITH THIS COMPANY UNKNOWN INFORMATION XXXX AND XXXX WITHHELD MY CREDIT REPORT YET ARE REPORTING TO 3rd PARTY XXXX XXXX AND OTHER COMPAINES INACCURATE INFORMATION.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XX/XX/XXXX
Complaint sub-issue: Debt was paid

Citibank is still reporting inaccurate information on my credit reports XXXX. Both agencies reflect the account was paid in full back in 2011 but continue to report the account as a charge off. I need this account removed as they continue to damage my credit & are supplying the bureaus with inaccurate information.
Complaint sub-issue: Banking errors

On XX/XX/19, I received a notification indicating that my account has a draft pending, which was not supposedly to be draft until the XXXX. Now when, I set this up I was with a Branch Manager who explained the policy and procedures on setting up an ACH. He stated that they will process my ACH 48 hours before the due date. Well low and behold the drafted my account on the XXXX of the month. Instead of my pay period and due date. Which was not explained to me that this was going to happen, unfortunately, Im out of the states with no cash because of this erroneous banking error. I immediately contact the online service to find out why was this been drafted so early.. To be told by the online manager XXXX XXXX that the branch manger XXXX XXXX gave me misleading information. That they drafts out of the account 7days early. I told the rep that I asked XXXX XXXX how does the ach works. He told me 48 hours for a electronic payment. I requested to speak to XXXX supervisor since he couldnt help me, considering the fact that he said it was set up for an ach but the system is reading it has a check draft which will cause them to draft early not electronic daft like my first draft and I was denied. So I contacted the self service banking again to see if I can speak with a different manager to help with this error to only be told that they cant help me and that I will have to wait until Monday to fix the issue. Now Im left with no funds out of state based upon the misleading information and banking error that was told to me by an higher pay rate personal. My concern is how is that a branch manager banking information differs from a calls center information. When they are working on the same platform banking policy and procedures. No compassion nor concern when I was assisted by one of their upper management member to set this up.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have several inquiries on my report from XXXX XXXX XXXX XXXX and from XXXX XXXX. I contacted XXXX XXXX XXXX @ XXXX and spoke with XXXX employee # XXXX and he was unable to find any applications for me, and he even checked the archives. I contacted XXXX XXXX and they are going to be sending something to have the inquiries removed, but they told me to contact creditor to see about getting them removed sooner. Here are the inquiries : XXXX/XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please remove all of these inquiries because they do not belong to me, and were not authorized by me.
Complaint sub-issue: Frequent or repeated calls

My home mortgage loan was sold to a company called Seterus Inc . In late XX/XX/XXXX/XX/XX/XXXX we fell behind in our mortgage. In late XX/XX/XXXX Seterus offered us a refinance agreement and started a 3 month trial. During this 3 month trial which we completed successfully, Seterus representatives continually called, This week ( XX/XX/XXXX ) twice already, the first representative stated that he was calling to collect a debt, without checking to see that I had spoken to a representative the week before and discussed the refinance package that was sent to me. I have until XXXX XXXX to respond and yet they still call me constantly. Some representatives have been threatening, telling me that if I do n't provide a repayment date or plan they will foreclose on my house, even though I was complying with their refinance package. I also receive as many as 3 letters a day making the same statements. This company appears to use scare tactics and threats in order to force home owners to make rash decisions. Furthermore when I state that I would like to consult an attorney, they imply that they will go forward with a foreclosure action. This company has been bullying me for 6 months, and even though I have resigned to agree to their terms without consultation they still call and harass me. I thought this type of action was no longer legal.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

My credit report for XXXX and Equafax has the wrong addressXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The following accounts were opened fraudulent in my name without my consent. 

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
Complaint sub-issue: Reporting company used your report improperly

Lexisnexis Risk Solutions has obtained my personal data unlawfully and used it unlawfully without my consent to damage my credit file report with XXXX and have sold my personal data to other third party entities without my consent. Federal trade Commission protects consumer information when it is used illegally and without consent. Lexisnexis is a third party entity that has been sued for selling consumer personal information without their permission. It has been several years that Lexisnexis has been misusing my personal data, such as my name, addresses, personal account information, age, identity, income, and other personal data like my social security that i have never provided to Lexisnexis Risk Solutions. They have reported false information on my credit report to XXXX of an alleged bankruptcy. Lexisnexis has violated the XXXX XXXX XXXX XXXX reporting false financial information to credit bureaus and other third party entities to cause me to get higher interest on consumer products and/or denied of financial services. 
I have requested several times for Lexisnexis Risk Solutions to freeze the false file reports they have in my name and they have not done so but sent a confirmation pretending they have.
Complaint sub-issue: Information belongs to someone else

All the accounts I listed are fraudulent accounts this is and identity theft.
Complaint sub-issue: Debt is not yours

This account is not mine for the amount of {$240.00}.
Complaint sub-issue: Public record information inaccurate

According to the Fair Credit Reporting A ct, Section 609 ( a ) ( 1 ) ( A ), the CRA 's are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts the CRA post on a credit report. Otherwise, anyone paying for that reporting services could fax, mail, or email in a fraudulent account. I have requested to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) the CRA 's have on file of the accounts listed. The CRA 's have yet to positively verify these accounts and this has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if the CRA 's are unable to provide me a copy of the verifiable proof, they must remove the accounts listed below.