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

My lender is Nelnet for Federal student loans. I did not choose this company, rather it was assigned to me. I have applied recently for refinance with another company but was denied. I have good credit and have never missed a payment. Over the past year, I have had multiple cases where my payment amount due changes without any notifcation. This can include my payment due amount not matching my statements, not matching between emails and on site and increasing month to month when I am on a graduated repayment plan ( this is supposed to increase every 2 years -- not monthly ). In addition, when I have reached out for clarification or to question these changes and increases, the company is not helpful and does not explain the differences or the reasoning to me. I do n't feel like my money is safe with the company and I do n't feel comfortable with an ever changing payment amount. It is hard to budget and to feel confident that I can pay my monthly payments when I can never plan on what is due as the amount can change even as quickly as the day before it is due.
Complaint sub-issue: Public record information inaccurate

Hello, I hope this note reaches you well. I recently have been trying to borrow credit for one of my four businesses. Though, I have a bankruptcy on my account which is false. I have been trying to have this removed for some time. It has been removed from 2 credit bureau 's but still on one,  Equifax. Therefore, I am unable to do my regular business transactions now. I'd really like to borrow money for my business and only have this single issue with my credit. I could borrow in the future since I'm a reliable borrower and pay back my debt. Though this negative remark on credit report hinders me doing business. I truly am a responsible person. I would really love the help in resolving this matter as soon as possible. Thank you. XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Good day, I XXXX XXXX, have come to the conclusion regarding my three consumer credit reports have been compromised in terms of my identity. Across Equifax, XXXX XXXX XXXX there is fraudulent inquiries posted that I have attached in an attached documentation along with an auto loan that is tied to my name and an address that I have no association with. This has caused me great emotional, financial, and mental distress as this is inaccurate and in factual as I was XXXX XXXXXXXX so it is impossible for me to have taken out a loan for an auto loan. Upon my investigation and research it appears to be I was added to this account I am not the primary holder which explains that the thieves who compromised my identity used me in order to acquire this auto loan. To my understanding I did not offer consent to use my credit in the attached documentation for this auto loan or apply for any applications of credit for the attached inquiries. The Credit Bureaus have neglected to look into this matter so I am reaching out to the CFPB to get these fraudulent matters removed from my credit report as to not cause me any more harm and distress as I have already been through enough.
Complaint sub-issue: Problem cancelling or closing account

Equifax has been billing and collecting from me for the past 7 months without my approval. I submitted a cancellation request by phone and by response to an e mail XX/XX/2016. I just found out after closer review of my credit card activity that Equifax has been automatically charging monies on my credit card. 

I went on line to cancel and the national web site has no information or availability to cancel there unauthorized collection of funds from me. 
I called today and was told by customer rep that I could not cancel my membership on the web site because they do not allow that and admitted they do not have any information on how to cancel. I asked for my monies back and he refused.
Complaint sub-issue: Their investigation did not fix an error on your report

I don't know what is wrong with Macy 's credit card company. Are you deliberately not reading what I wrote? I just said in my last complaint that I tried to pay on time but you phone agents hung up on me after waiting on hold for an hour. I tried to pay at the store and I thought that I had paid but you NEVER sent me any notifications that I was late on payments. I didn't find out that I was late on payments until I started getting credit report alerts about these 90 day delinquent charges. Had you stupid agent not been lazy and did her job instead of hanging up on me I would have paid it right then and there. It was YOUR fault that I did not pay on time not mine. I have MANY other credit lines and NOT one has had a delinquent charge in more than a decade. Look I have a Macy 's executive 's email address and phone extension. I am not the only one tired of Macy 's XXXX. You seem to be screwing over other people as well. If you do not fix my credit report I will be posting a review with all her contact information so other upset Macy 's credit card holders can have a chat with her. FIX MY CREDIT NOW!
Complaint sub-issue: Account information incorrect

i paid XXXX XXXX XXXX XXXX XXXX $ for the collection in XXXX and they havent took it off of my credit for Equifax.i sent in the money order and spoke with XXXX from XXXX XXXX XXXX XXXX before i sent off the letter.They Removed it From XXXX but not the other bureaus
Complaint sub-issue: Attempted to collect wrong amount

At the beginning of XX/XX/2020 I was contacted by XXXX XXXX XXXX who claimed I owed money to my old apartment complex ( XXXX XXXX XXXX Apartments ). In fact, I had not been contacted by my complex despite them having my cell phone and email address. 
I called the complex and they verified that they had filed with the debt collection agency, and that the security deposit I gave them on move in was not applied to the amount. The security deposit ( I had the option of {$400.00} refundable or {$200.00} non-refundable ) was actually " just a fee '' even though this was not what I was told when I paid it. I was told it was a security deposit and would be applied to any damages on move out. 
The apartment complex claimed that I was responsible for paying for carpet cleaning and general maintenance services however they did not have receipts of such services rendered and did not have this information written into my lease. XXXX XXXX XXXX XXXX intentionally sent a {$220.00} charge to collections ( without using the {$200.00} nonrefundable deposit I gave them ) in order to intimidate me into paying an extra fee, I did not owe, or face a credit score reduction.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

since XXXX 2017 I have received non stop phone calls from the 3rd party collection agency. I have told them to stop contacting me and have filed a prior complaint but every single day they are still calling me. I did not authorize my information to be released to this 3rd party which is in violation of hippa. 
the amount of the debt they say i owe is {$1400.00} account number XXXX
Complaint sub-issue: Debt is not yours

XXXX XXXX is listing a debt that i do not owe. I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Complaint sub-issue: Account information incorrect

Went to purchase a vehicle. About 1 month after having the vehicle I got a letter from XXXX XXXX saying my transaction with them is denied with the terms the dealer wanted but that they would accept other terms ( aka higher interest rate ). This is due to the credit score assigned by XXXX XXXX which was about 100 points lower than XXXX and XXXX. I believe this is a scam to allow XXXX XXXX to ask for higher interest rates due to questionable credit. Searching the database here and XXXX searching, I see this is a very standard practice of XXXX. My credit with the 3 major credit reporting agencies is 800+. This is a scam and a slap in the face. XXXX should lose their credit reporting license.
Complaint sub-issue: Information belongs to someone else

I am XXXX XXXX and I am submitting this complaint myself. I'm not swayed that Equifax efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Equifax is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( ( Original Creditor : ) XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX )
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 consumed rights to privacy and confidently under 15 U.S.C. 1681. 

XXXX XXXX ACCOUNT NUMBER # XXXX XXXX XXXX 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 a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c Section ( 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 the 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 a reasonable cause to believe that the information incorrect. 

Please remove the following accounts mentioned of my reports immediately ASAP.
Complaint sub-issue: Their investigation did not fix an error on your report

At some point in history, Equifax changed my ( XXXX XXXX XXXX ) birthdate to XX/XX/XXXX ... when in fact it is XX/XX/XXXX.. Have talked to countless representatives from XXXX ( ? ), numerous faxes were sent over the past 4 weeks that included my birth certificate, social security number, drivers license and a utility bill trying to get my information corrected so that My family and I could continue with the process of getting a mortgage. Even created an account with the Equifax membership program to resolve this issue. All these efforts have actually changed my sons ( XXXX XXXX XXXX ) birthdate to XX/XX/XXXX ... instead of his XX/XX/XXXX actual date of birth. Again, sent information that confirms his identity .... How do I fix this??
Complaint sub-issue: Debt is not yours

On XX/XX/21 also on XX/XX/21 i sent validation letters to this company demanding validation of this debt, this company has refused repeatedly to follow FCRA rules/law in my attempts to verify and validate this debt and now has illegally posted this dept on my credit profile which is now severely impacting my credit.
Complaint sub-issue: Information belongs to someone else

the way the fraud alert reads is basically having creditor deny me credit
Complaint sub-issue: Attempted to collect wrong amount

I tried several times to dispute a debt they have reported to my credit that I did not make timely payments when I have bank statements showing the dates the payment where made
Complaint sub-issue: Account information incorrect

This account closed out in XXXX the status of the account was paid and closed. Within this year I asked a credit repair service to reach out about missed payments and mysteriously XXXX years worth of collections were reported. I was never notified of the issue with the account which could of been corrected prior. I reached out to XXXX XXXX XXXX XXXX XXXX XXXX about the inaccurate reporting and agreed to settle account for deletion due to inaccurate reporting. This account was reporting paid and closed for XXXX years until I inquired and XXXX years of late payments appeared when I had no knowledge of any payments were due or not collected before closure of account.
Complaint sub-issue: Account status incorrect

I already reached out to the credit bureaus and to USDOE/GLELSI and notify them of their error posting of information on my report. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but as of the moment, no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked.
Complaint sub-issue: Information belongs to someone else

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my countXXXX that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Alliance One has contacted me about an allege debt from another debt collector ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). They ( AllianceOne ) are not the party involved in said consumer credit transaction and has NEVER been given permission to contact me which is a direct violation of 15 USC 1692c. I've never gave them permission to contact me and muchness never gave them permission to contact me multiple times through ANY medium, telephone, mail, or email. I received communication from them on XX/XX/2021 through the mail about this allege debt. I then received a phone call on XX/XX/2021 about the same debt and in that conversation told them to never contact me again they said that they would, they used obscene and profane language during that phone as words that I found offensive was used. They called at a time I was busy and being that I NEVER told them to call me it was INCONVENIENT to me, the consumer which is a violation of 1692c ( a ) 1. Then I received another call about the same debt ( violation of 1692c ) on XX/XX/2021, I never picked up because again it was inconvenient. The other violations are in the file I uploaded mark as exhibit A. I responded on XX/XX/2021 which they received which was confirmed by the USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/21, telling them AGAIN to not contact me about an allege debt, that they have no right to try and collect, the content of the letter I sent them was a cease and desist letter pursuant to 15 USC 1692c ( c ) ; an affidavit of truth, a request of debt validation pursuant to 15 USC 1692g AND an invoice with the amount of damages they have done to me the consumer, when they tried to collect on this allege debt. I have yet to receive any correspondence or money for the violations to these aggressive and deceptive practices to collect a debt that has not been validated or verified pursuant to 1692g. Enclosed is the phone records of my incoming call for both days that I was contacted.
Complaint sub-issue: Other problem

I have previously filed CFPB complaints # XXXX & XXXX against Discover. Discover replied and I have left messages for a return call as directed in their letter. For 3 years I have contested the cards as stolen because of identity theft. But that was repeatedly denied so I brought up new evidence that the payments were made fraudulently under an account that was not mine. Discover continually states the accounts were mine so I sent an affidavit. Now Discover requests new evidence reflecting payments made on my account were fraudulent that allowed the credit limit to be exceeded. However Discover possessed or possesses this information. This is information that should have been researched in 2017. And this evidence should not have been destroyed or lost.
Complaint sub-issue: Information belongs to someone else

I recently filed a report with XXXX, XXXX  and Equifax of inaccurate items being reported on my credit reports. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Complaint sub-issue: Problem during payment process

I was a with SEARS/CBNA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XXXX and XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I 'm seeing a hard inquiry by Cbna on my credit report, never saw it before but it appears now on my report from XXXX saying its from XXXX 2016 I never requested anything from this company I 'm almost sure it 's a ID theft issue please provide me some help as I ca n't go thru XXXX, I 've tried but for some reason it does n't let me go thru. Thanks
Complaint sub-issue: Information belongs to someone else

I have several items on my credit report that o.re not mine. I noticed it because I recently applied for o. credit card and I wasn't approved so it prompted me to check my credit report these items listed are not mine and need to be deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX There are also several inquiries as well that need to be deleted. XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX.
Complaint sub-issue: Threatened or suggested your credit would be damaged

{$490.00} from Best Buy in XX/XX/XXXX still be reported and dropping score {$230.00} from XXXX in XX/XX/XXXX still being reported and sending letters and dropping score
Complaint sub-issue: Public record information inaccurate

I have a bankruptcy on my equifax that does not belong to me it is not mine i have not filed for this or know where its comin from also one inquir on my XXXX  that is not mine i have been disputing this since two years ago!!!! 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Inquiry Creditor Name : XXXX Inquiry Date : XX/XX/2019 XX/XX/2019
Complaint sub-issue: Was not notified of investigation status or results

This is XXXX!! This is my second XXXX time doing this XXXX. I tried to call and cant even get in touch with some one to confirm my XXXX identity. I am now a third party. That is bull XXXX. These false reporting accounts on my credit report has been an extreme distress to me and my family. I need them removed immediately.
Complaint sub-issue: Received bad information about your loan

In your XX/XX/XXXX response to my complaint you state We did not receive a complete forbearance request from you in XX/XX/XXXX where you agreed to the terms and conditions of the forbearance. Please explain why you are now stating you did receive the forbearance in XX/XX/XXXX when prior you stated you did not. Please also explain what exactly was incomplete about the forbearance you received in XX/XX/XXXX. You go on to state We are unable to retroactively apply a forbearance to your loans, per your request. Please explain why you did just that, in XX/XX/XXXX, despite the forbearance being incomplete as you claim. You go on to state nor will any late fees assessed or interest accrued be removed. Please remove these fees, the interest, and your derogatory XXXX credit agency reporting as previously requested.
Complaint sub-issue: Account status incorrect

For months, I've been in dispute with Equifax about incorrect reporting of information on my credit report. Opened a complaint. They recently sent me an updated " Results of Reinvestigation '' into a prior complaint against the company. However, they have " Closed '' the wrong account. They closed XXXX XXXX, account # XXXX, an account that I have had open since 1988. That is also a XXXX XXXX account. However, the account in question is my XXXX XXXX account, # XXXX, a CREDIT CARD. There should have been no action on my store card with XXXX XXXX. It's been fine for over 30 years! These people are the most incompetent bunch of folks I have ever encountered! Seriously! I hope they can get it right once and for all! I think this all points goes back to XXXX XXXX, and the original complaint I lodged against them because they instructed the 3 credit reporting companies to " DELETE '' all information about my credit card account with them because they were upset that I transferred my balances from their exorbitant card to one that was much more reasonable, with an extremely lower APR. That's what all of this mess is about!
Complaint sub-issue: Personal information

I 'd like all addresses removed from my credit report except for my current address. The credit agency only removed XXXX address instead of all of them.
Complaint sub-issue: Information belongs to someone else

THIS IS THE 4TH TIME I HAVE HAD TO COMPLIAN ABOUT SEVERAL ISSUES. MY NAME IS XXXX XXXX XXXX SS XXXX DOB XX/XX/ PLEASE REMOVE/DELETE ANY OTHER VARIATIONS OF MY NAME ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ). THERE ARE SEVERAL SOCIAL SECURITY NUMBER ON MY CREDIT FILE THAT I HAVE REQUESTED TO BE DELETED, PLEASE REMOVE DELETE THE FOLLOW SS NUMBERS : SS XXXX, SSXXXX, SSXXXX, SSXXXX PLEASE REMOVE THE FOLLOWING FRAUDULENT ACCOUNTS : PREFERRED LEASE XXXX XX/XX/XXXX/XXXX/XXXX XXXX, XXXX XXXX XXXX # XXXX. THE IS THE LAST TIME I AM FILING A COMPLAINT MY INTENT NEXT IS TO FILE A LAW SUIT.