Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX
Complaint sub-issue: Public record

I have tried to remove this state tax lien which has been paid and released and the credit bureau would not remove it. So, I request the assistance of the Consumer Financial Protection Bureau to remove such derogatory mark that is hurting my ability to obtain credit.
Complaint sub-issue: Reporting company used your report improperly

Unauthorized inquiry to my consumer report
Complaint sub-issue: Problem with the interest rate

I purchased a used vehicle back in XXXX at XXXX XXXX XXXX  where i was referred to by a friend of the family and at the time i didnt have much money to put down on a new vehicle and they were advertising you could get a vehicle with little as XXXX cents down on approved credit so i figured i would give them a shot. Upon going to the dealer lot and filling out an application i noticed alot of the cars on the lot were old after sitting down with a sales manager i was approved at first for the XXXX cents down then they told me that i didnt make enough and would have to put down more so i ended putting down {$300.00} and my financed amount was {$11000.00} so i ended up getting a XXXX XXXX  XXXX le they dont charge you monthly like a normal car dealership its based off your pay frequency so i was paying for my car every two weeks in the amount of {$210.00}. The amount of interest i was paying for that car was around XXXX XXXX which is way too much for such an old vehicle i could of bought the exact same car cash for $ XXXX ended getting into a accident XXXX of this year where someone rear ended me on the freeway and totaled the car and the airbags did not deploy. unfortunately i had to get another vehicle through the same place because once i again i was short on money to go anywhere else and i needed a car as soon as possible to be able to go to work so ended up getting a XXXX XXXX XXXX XXXX for {$17000.00} which the car is nowhere near worth XXXX only values the car for XXXX or XXXX XXXX at the most. my issue is not only with price and high interest rate but they also do not fix anything on these cars they have a very limited warranty that covers parts that are not even going to break down on the vehicle any common issues they dont cover and leave you on own to fix or pay for this new car is already giving me issues regarding the suspension and struts and the brakes and wheel bearing there is all kinds lights going off and the check engine light on
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX, and I am very upset, disappointed, frustrated and at my wits end. I am hoping to get some type of resolution regarding my complaint. First, let me start by saying if Im a consumer and you have my credit file and notice there arent any accounts pertaining to the inquiries or that they are fraudulent and I didnt authorize them, why is it that I must go through so much to have things removed from my personal credit file. The removal of these inquiries are very important to me b/c I cant acquire credit due to inquiries. Im just a mother thats trying to get a home for my kids and I. Attached you will find the order of my disputes that were sent to Equifax multiple times. I started my credit journey back in XX/XX/XXXX. I have mailed letters, I have called, I have faxed, I have disputed and disputed until I am blue in the face and havent had any luck. I made contact with Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have spoken to several representatives. Back on XX/XX/XXXX I spoke with a rep by the name of XXXX and he removed XXXX inquiries for me with a confirmation number of XXXX. I received the dispute results via email and was ecstatic and then I became upset when I noticed that some of the same inquiries were still listed. I was livid. So I called, disputed, called and disputed again. On XX/XX/XXXX I spoke with 2 reps and then finally a supervisor-named XXXX-rep ID XXXX who was very rude and did not try to assist me. I spent an hour and 37 minutes on the phone with her trying to plead my case and also make her aware that these inquiries that are on my report were made while in fact there was a fraud alert and security freeze on my file. She said I needed to file a police report, to me that makes absolutely y no sense at all. I have already reached out to the companies and b/c there arent any open accounts attached to my social security number they are unable to provide me with any type of letter to assist me with the removal of the inquiries. The only thing Id like is for the issue at hand to be resolved and the inquiries DELETED. Hopefully, this time around I will get some type of satisfaction. At this point I dont know what else to do, but Id like for this to go away. Thank you for your time and please see the attachments. XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
Complaint sub-issue: Problem with customer service

I have changed my name formally in XX/XX/2019 during my XXXX process FROM : XXXX XXXX XXXX : XXXX XXXX XXXX T XXXX XXXX I have sent following documentations to make sure that all my credit cards and financial institution I am associated with are updated with my new name, however BestBuy ( Citi Bank ) has not been cooperating : 1. Passport Copy 2. Court Order Name Change 3. Citizenship Certificate 4. Social Security Card Copy Customer Service Agent Name : XXXX XXXX Senior Advisor Account Manager : XXXX ( XXXX  ) The above documentation was provided twice to BestBuy " Citi Bank '' initially they updated my name on the card to XXXX XXXX XXXX, however I called them recently to send me a new card, and they sent me again credit card with my old name. 

They are completely unprofessional and not following the laws of the land at all and misinterpreting my identity to all the Credit Bureau s thus creating confusions with my actual name.
Complaint sub-issue: Public record

I have disputed several times about bankruptcy on my report and also XXXX XXXX, not me, please validate and investigate. Equifax removed bankruptcy and now reposting again.
Complaint sub-issue: Overdrafts and overdraft fees

I should be over drafted a little over {$300.00} but PNC is taking advantage of eveything and has charged so many overdraft fees i dont know how ill recover. Where it sits PNC has my account overdrafted almost {$600.00} most of which is overdraft fees charged over and over. They refuse to help me and refund such fees to allow for me to be back on my feet. My family is going without food and our water is about to get shut off because when my check does hit its not going to cover anywhere near what PNC has charged to my account.
Complaint sub-issue: Information belongs to someone else

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very disappointed.
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. 

XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights XXXX XXXX  account # XXXX has violated my rights XXXX XXXX  XXXX Account XXXX. has violated my rights XXXX XXXX XXXX XXXX account # XXXX Original creditor : 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 an account without my written instructions.

15 U.S.C 1681 c. ( 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 conviction 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 related to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : XXXX XXXX Inquiry : XXXX XXXX, 2021 XXXX XXXX Inquiry : XXXX. XXXX, 2021 XXXX XXXX XXXX  Inquiry : XXXX. XXXX, 2021 XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, 2021 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 Equifax inquiries : XXXX XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

There are XXXX disputes open Where this company states theyll give a temporary credit while theyre researching and when it comes right down to it they dont credit you or they do and take it back and say they are still researching it. 

On the first amount of XXXX the item was returned to the original sender and they have the tracking that proves it. Yet they still are supposedly giving the company time to respond? When I have an issue with XXXX XXXX and they SEE that something was delivered back to the original sender they give a permanent credit XXXX they know I just showed them it was delivered and was returned to the sender. 

The one with XXXX is ridiculous. They know they do a XXXX day trial I ended the XXXX day trial the day I got the app so if XXXX looks into my XXXX ID which they would know they would see it was cancelled the same day the trial started - Ill attach what that app shows ( that Amount was XXXX for a year The last dispute I didnt get the dash cam in the box I got a second suction cup no dash cam and was told it was human error and yet have I seen a dash cam yet discover hasnt done anything on these. Ill just start using my other cards as I can see this particular company you can show them all the proof in the world and they dont care.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following inquires were not approved via the contact listed on my credit report. I am a victim of continuous Identity theft. My personal information was compromised and is listed on unsolicited sites. 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 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: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/2018 I contacted XXXX about reporting incorrect information to the credit bureau and they was not helpful at all. On XX/XX/2018 I contacted Equifax to file a dispute with XXXX Credit Card and XXXX Loan the lady I was speaking to at Equifax was telling me that I can not dispute information about these accounts because they where not showing inccarute information so I kept trying to explain to her that I have every right to dispute anything on my credit report that is not correct and it's damaging my credit I told her that I have contacted XXXX  on XX/XX/2018 and was told to file a dispute with the credit bureau, so that's what I'm trying to do Equifax would not file my dispute with XXXX Credit Card and XXXX Loan I was on the phone with Equifax for 2 hour 's straight to file a dispute this is so stressful trying to file a dispute with both companies I refuse to let XXXX report incorrect damaging information to the credit bureau those account have been closed on the XX/XX/2018 neither one of my accounts was in collection and I told Equifax and she refused to file my dispute after 2 hours I told her that I'm gon na contact CFPB because I feel like my rights are been violated by both companies XXXX and Equifax I also told Equifax that XXXX did not notify me of any changes to my credit report or updates about the dispute when I contacted them in XX/XX/2018 I have proof that the information they or reporting is wrong I was never in collection with neither account I thought I could fixed this by contacting the creditor and I was wrong they didn't fix it after all XXXX LIED and now Equifax giving me XXXX just to file a dispute to correct information XXXX  reporting incorrect and I never received anything from XXXX stating that my accounts are in collection not once the only letter I received was that my checking account was overdrawn and has been closed I also have proof I have paid them off completely not only that I thought XXXX  was helping me build my credit up but now I feel like the lady I spoke to at XXXX was intentionally hurting my credit after she update the information both companies Equifax and XXXX XXXX have violated my rights under the FRCA neither company wanted to file my dispute or fix the wrong information they're reporting
Complaint sub-issue: Their investigation did not fix an error on your report

There are three loans from the XXXX XXXX XXXX XXXX on my credit report ( s ) {$7000.00}, {$3700.00}, and {$1000.00}. The loans show incollections/charge-off. But the classes with the XXXX XXXX XXXX XXXX ( XXXX XXXX Campus ) were dropped within the first four weeks of the semester for the school year of the loans in question. The money from the loans was all paid to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX Campus ). As the classed were dropped the school should have returned the money to the government. These loans were paid to a diploma mill and in fact the school closed prior to the school year of the loans in question endning.
Complaint sub-issue: Investigation took more than 30 days

i am XXXX and was taking advantage of due to mild practice while several laws were being broken under the FCRA by your company. this has caused me financial injury and defamation of character your company failures to positively verify information reported has hurt my ability to obtain credit, employment, and a home.
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX, my mother moved into a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since I was not working with and living with my mother I was not working and a full time student under my mother care. The lease was signed and due to run XX/XX/XXXX XX/XX/XXXX. If wanted to receive a {$50.00} discount on the rental. In XXXX of XXXX, the apartment complex came to my mother and told us that they recalculated the numbers and we can move out and not have the additional months added. They had a tenant who wanted the unit. We SPECIFICALLY told them that we were under the impression that we had to move by XXXX. The apartment manager stated that it was incorrect and we can move now NO Penalty. 
Then after a couple months the new company decided that they didn't like the agreement and filed charges against me and my mother. XXXX XXXX. 
XXXX XXXX XXXX  owner XXXX c/o XXXX & XXXX filed a rental eviction on us to Appear in court on XX/XX/XXXX. Case # XXXX for the amount of {$1600.00} My mother called and they stated that it was a mistake and they cancelled their case with 36th district court. A couple months later it was added to my credit report. 
I called and they told they me that it was an error and that why the removed the case. I reached out to the company and since its now new management they wont speak to me. i filed a complaint with the credit bureaus. And I also sent Hunter & Warfield letters to rectify the error that is cause a huge problem with my credit file. Hunter and Warfield refused to respond to me. Instead they came up with this outrageous amount and trying to make me pay something in which they know I do not owe. They know that they removed the error from my mother account and just using me as a way to try to get an unlawful payment. 
The Credit bureau keep sending back verified. I send another asking the how did they verify it .. The sent another letter asking how did you verify and who and when did you speak with someone. XXXX  and XXXX did the same this and refused to kook into my claim.. 

They are trying to put debt on me that I do not owe. You can look at my payment history and see that i pay my bills. 
And further more I was not even living in that home, i resided in XXXX for months before. 

Im sending a complaint to CFPB due to the companies inability to correct this painful hit to my credit file.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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 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 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 XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

I had a XXXX XXXX credit card that unfraternally went default due to a hardship that I am going thru. The account went charge off, I called XXXX XXXX with the hope to get a resolve my balance and prevent any legal collection. 
During my call with XXXX  XXXX I explained my situation and they offered the option to settle the account for less than the balance, I told them I could get a family loan for {$2000.00} dollars, the XXXX  XXXX representative answered he cant settle for that amount but will ask for an approval, He asked for some for XXXX  XXXX approval or decline my offer. 
After a few days of waiting, I called XXXX XXXX asking for the decision of my offer, but I was informed that the account was assigned to a Law Firm. 
This Law Firm is named Hunt and Henriques, so I called them but when I first called, they didnt have the file set up, so I just left my contact information. 
A few days later this Law Firm called me. At the beginning of the call the representative informed me that he was a debt collector, not an attorney. I asked if the company was a debt collection agency or a Law Firm, due to the activities they perform he clarified they are not attorneys, but they are debt collectors. 
In this initial call, the representative asked how I can pay the balance, but I explained that I was not able to do due to my financial crisis and the hardship I am going thru. I informed him I can get a family loan to settle the debt and I was waiting for XXXX XXXX approval of my offer before they sent the account to his office. At the end of the call he clearly threats me with a lawsuit because we did not meet in an agreement. 
A few days later, I received a second call from the same law office/collection agency, The representative asked for a payment in full and this time the pushed me hard to pay off the debt, for second time I explained my financial situation and this time the representative asked for my monthly income, expenses and the source of the income. After I answered all his questions about my financial crisis, the representative suggested that I was lying, and my answers do not make sense to him ; It was not a nice call since the collector called my layer. I asked to the collector if he can forward and show my offer to his client ( XXXX XXXX ) but he responded that was not possible because he was expecting to collect the entire debt and for second time, I receive a threat that I will get suit since I could not pay the debt.
Complaint sub-issue: Trouble with how payments are being handled

I was switched to XXXX XXXX from XXXX ( much better loan servicer ) because I applied for the Public Service Loan Forgiveness. They are refusing to count my over 7 years of public service for a non-profit. In talking to them they said it was because I paid too much ( I rounded up may payments to the nearest dollar ) and that I paid to far in advance ( I sent the check from my bank on the 15th of every month - I was being paid bi-monthly ). I talked to them 4 months ago and asked for the record of my payments so I can track them and see what they didn't count - I was told I would have the record in 7 -14 days. I have received no record to date. I also asked to have it reviewed, they said they would, but to date I have had not other response from them. Then I get a notice from them that I need to re-certify my loan repayment by XX/XX/XXXX. my loan plan was good through XX/XX/XXXX. I asked them why and only received a short email stating that it takes time to process. Well that was a lie, because I processed it after the date and have already received a massive increase ( in relation to a modest pay raise, actually it the increase will negate all of the pay raise plus ) - which in reading up on them seems to be their MO. XXXX XXXX XXXX I have no files to upload since I can't seem to get them to follow through on their promises.