Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX XXXX XXXX informed me via letter dated XXXX2021, that an alleged debt had been sold to UHG I LLC. UHG I LLC has not sent a deceptive and false letter attempting to collect an alleged debt, yet. The alleged debt has not been verified nor has it been validated. According to XXXX XXXX XXXX XXXX XXXX, the alleged debt is listed as a positive number. I have no relationship whatsoever with this company. Where does this alleged debt claimed by UHG I LLC fall under XXXX XXXX under Article XXXX or XXXX?
Complaint sub-issue: Debt was result of identity theft

I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XX/XX/18. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
Therefor they must request that these debts be deleted from all credit reporting agencies. They have also been reporting late payments although this account shows as closed on my credit report. 
If this violated of the law is not handled appropriately I will report this to the my attorney general, the XXXX XXXX XXXX and then I will file a case at my local small claims court. I have kept a close record of all of this in case I need to move forward.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2020 I raised an inquiry with your bank for a dispute with XXXX  for {$420.00}. Just wanted to give your bank a headsup so that later you do not come and say that you did not receive the dispute because this has happened with me before. You guys take forever to solve a dispute. I paid XXXX  using your credit card on XX/XX/2020. 

XXXX XXXX is much faster than you. If I paid the same amount using XXXX XXXX by now I would have got my money back.
Complaint sub-issue: Account status incorrect

A medical collection was added to my account. I never received a bill in regards to this. Also this violates HIPA. I contacted the collection agency and they stated that this would be removed and credit bureaus have failed to remove this.
Complaint sub-issue: Information belongs to someone else

Every time I get a quote for insurance either I was ineligible or it was too high. I would always ask what the reason was for this and I always get told that it could be my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX XXXX XXXX {$450.00} CHAPTER XXXX BANKRUPTCY/DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Complaint sub-issue: Problem lowering your monthly payments

My student loan is processed by Earnest. My standard rate is 4.210 %. I am enrolled in auto pay and as a result I supposed to receive a .25 % rate reduction. Despite my enrollment, Earnest refuses to provide the reduced rate without explanation.
Complaint sub-issue: Account status

I have been disputing incorrect information that is reporting on my credit reports. XXXX/equifax/XXXX. I have an acct on there that is a result of identity theft ( XXXX ) and the credit reporting agencies just keep updating the information and keep telling me that it meets the fcra. This is completely ridiciulous as I am being penalized for something I did not do. I also had a XXXX card opened in my name and it has been verified directly with XXXX that this acct was opened fraudulantly. I have been writing letters and making thousands of calls to the credit beaurous to please remove this information off my report and they are doing nothing about it but keep updating the information. This is affecting me in obtaining credit as it is affecting my credit score. I have obtained free legal advise as to what steps I should take in suing the credit beaurous because I have allowed more than enough time for them to investigate this and remove it from my report. This has been going on for months now. I also received letters from equifax telling me I need to be more specific with my complaint. This is ridicilous as well as I ca n't be anymore explanatory. It 's IDENTITY THEFT.
Complaint sub-issue: Debt was paid

I have been given a final bill credit from XXXX XXXX XXXX for {$75.00} via prepaid debit card. I have received bills from 3 different collectors trying to falsely collect this money after I reported it to the credit bureau and they investigated and removed it from my credit report. I still have the credit letter from XXXX XXXX XXXX for reference.
Complaint sub-issue: Investigation took more than 30 days

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX ; XXXX  XXXX XXXX   XXXX and XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Billing dispute for services

I went to Conns on XX/XX/2021 my boyfriend and I were greeted by XXXX I then showed him a BEDROOM SET ( keyword set ) that I wanted. He told my boyfriend and I to sit on some massage chairs and I told him that I wanted to pay upfront. He insisted that we finance because we just moved out here and itll save us money, so us being naive we listened. We filed out everything and after the paper work was finished I asked if he had made sure he got the correct bed set and if he had my dressers on there and I informed him that I didnt want two nightstands that I only wanted one. He told me that he got all that and that Ill revive my dressers after I make a couple payments so we set up a delivery date for the bed and I went home. On XX/XX/2021 I contacted Conns because I havent received my dressers and they told me they had no knowledge of me supposed to be getting the dressers. So I told them the story and they said sorry there wasnt anything they could do about it so Im stuck paying a loan for a XXXX bed. I would of never got just a XXXX bed Ive been mislead and tricked.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021 letters were sent to XXXX, Equifax and XXXX  explaining there is no original contract or original ink signature to validate debt. On XX/XX/2021 I received letter from the three bureau and the debt is still reported on each one without the original instrument of indebtedness with original ink being provided.
Complaint sub-issue: Information is not mine

I have tried several times, since XXXX, to get a copy of my detailed credit report from Equifax, to no avail. With the help of the CFPB ( thank you! ), I did receive printed copies of my credit reports from XXXX and XXXX. 

I am the victim of major identity theft. I did place a fraud alert and security freeze on XXXX and XXXX with Equifax. Equifax kept insisting, both over the phone and by mail, that I lived in XXXX, CA ( where I lived over XXXX years ago ). I kept telling Equifax that I have lived in XXXX, CA for nearly 4 years ; I gave them my current XXXX, CA address. 

Equifax then sent me a letter, received XXXX, stating that on or about XXXX, a " change of address '' had been processed for my account, changing my address back to " XXXX XXXX XXXX # XXXX XXXX CA XXXX. '' Equifax changed the address back to XXXX even though I had a security freeze and fraud alert on my account. 

When I protested the change of address, Equifax said that I needed a letter from my former XXXX landlord, stating that I no longer lived there. The XXXX XXXX, which owns the XXXX apartment complex, then said they could find " no record '' of my having ever lived there. I actually lived in that apartment complex for nearly XXXX years. I did find an old driver 's license ( in an old purse ), with the XXXX address on it. I also found a copy of an old XXXX XXXX lease. The XXXX XXXX XXXX complex stated that they had a new computer system, installed in XX/XX/XXXX, and that they had no tenant records prior to XX/XX/XXXX. The assistant manager of the XXXX XXXX complex provided me with a letter that said, " no record '' of XXXX XXXX having lived there. 

And so, I sent Equifax, via overnight mail XXXX, a copy of the XXXX XXXX XXXX XXXX, a copy of a gas utility bill with my current XXXX, CA address, along with a photocopy of my Social Security card. I also sent Equifax a letter, once again requesting a copy of my credit report as soon as possible. I also requested that all reports and correspondence be sent to my current XXXX, CA address. 

I explained to Equifax that I am very concerned that the current tenant at " XXXX XXXX XXXX # XXXX XXXX CA XXXX, '' or perhaps a prior tenant, accessed some of my mail and personal information. Who else would have changed the address back to XXXX XXXX XXXX in XXXX? As a precaution, I re-forwarded all of my mail from the last XXXX years to my current XXXX, CA address. 

I have completed my City of XXXX Police Department Identity Theft Affidavit, and will be meeting with them this week. I also will send a copy to the XXXX of XXXX Police Department. 

This has all been exhausting, and frustrating. In addition, I am taking care of my mom, who has XXXX XXXX. Any assistance from the CFPB would be greatly appreciated.
Complaint sub-issue: Received bad information about your loan

Under the limited PSLF waiver that ends XX/XX/XXXX, periods of forbearance are supposed to count as payments. mohela is refusing to count these payments even though they were in hardship forbearance. Attached is a list of payments from their website they are saying don't count. It's now XX/XX/XXXX and this opportunity ends XX/XX/XXXX. I should qualify for forgiveness including these periods.
Complaint sub-issue: Account information incorrect

Equifax has the incorrect spelling of my name and Late payments posted with XXXX XXXX XXXX XXXX XXXX reporting inquiries not made and late payments with XXXX XXXX XXXX XXXX and XXXX XXXX
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 already submitted a complaint to the XXXX Credit Bureaus regarding my concern. I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The XXXX, Equifax, and XXXX Credit Bureaus must comply with the Fair Credit Reporting Act, 15 USC Sections 1681i, and stop reporting as unverified information without any proof provided, within the time allowed by law. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXX Balance Owed : {$500.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to  the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to  complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to  sue in the mail, because I will have no choice but to take legal action.
Complaint sub-issue: Information belongs to someone else

15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Complaint sub-issue: Account information incorrect

I am showing several late payments that are reported on my credit report. I do not recall this information and it is negatively affecting my credit score.
Complaint sub-issue: Their investigation did not fix an error on your report

Moneylion Inc Account XXXX is not mine, and should be deleted immediately, and for this reason alone. However, it is clear that this is being falsely reported, and that the information is incorrect thus the account should be deleted for the following reasons : 1.There is pending litigation with this company over predatory lending violations, which demonstrates that this company is unscrupulous at its core. 
2. Across multiple CRAs the account open date is listed differently as XX/XX/XXXX and XX/XX/XXXX XXXX. The stated balance is {$310.00}, but upon looking at the payment history the balance jumps from {$300.00} to {$310.00} on XX/XX/XXXX for no logical reason. 
4. Payment history is reported as none for XXXX, OK/nothing/OK for 11 months then nothing and OK for two months followed by nothing on XXXX, and charge off on XXXX for all months in the same time period with exception of one.

5. High credit is reported differently as {$430.00} and {$500.00} across all CRAs.

6. Past due amount is listed as {$310.00}, but the payment history reflects {$300.00} around the time it was charged off, and the amount that was charged off is listed as {$430.00}. 
7. The date last active is reported as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX across all CRAs. 
8. The date of last payment is reported as XX/XX/XXXX and XX/XX/XXXX across all CRAs.

Not one piece of information is being reported accurately, and this is a violation of my rights under the FCRA. I kindly ask that this account be immediately deleted from my credit report across all CRAs, and any collection efforts now and in the future cease. 

Thank you,
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Account information incorrect

XXXX  continues to report a balance for assurance even after Ive shown documentation of a XXXX balance
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Great Lakes is demanding that I pay them about XXXX in regards to a student " loan. '' Credit is my right. I am aware that I made a consumer credit transaction for the use of my personal purposes. The finance charges according to 15 U.S. Code 1605, is the sum of all charges and does not include paying money outside the charge. 
I am the original creditor and do not owe Great Lakes any money, I never gave them written consent to contact me in regards to the alleged debt, They owe me for falsely representing my account, adding interest to the " loan '' and sending incorrect billing statements..
Complaint sub-issue: Information belongs to someone else

on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigating these items within 30 days give a reason to immediately remove those items from my credit report. It has been over 90 days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

I received several alerts ( from XXXX & XXXX XXXX ) that changes were being made to my XXXX credit file. After checking it out I found that XXXX XXXX ( I do not do business with them ) had made inquiries, and had changed my Employer to " XXXX '' a company I had never worked for. 

I called XXXX XXXX  immediately and they told me that they had issued two credit cards under my name ( I did not apply for them ) but had closed them already due to fraud. The information provided for the fraudulent credit cards was inaccurate ( new employer ) and out of date ( they used an old address ), but still XXXX XXXX  issued fraudulent credit cards and " updated '' my credit file with inaccurate information. 

A few days later I received the attached letter from XXXX XXXX ( note that the letter does not say " XXXX XXXX '' anywhere -- the cowards are trying to hide their mistake. ) XXXX XXXX  did nothing to correct the changes made to my account. I changed my XXXX   credit file back myself ( deleted " XXXX  '' as employer ). 

A week later, I received another alert that additional changes were being made to my XXXX  credit report, and that my XXXX XXXX had lowered 11 points due to excessive credit card balances. That change was not caused by my credit activity. I called XXXX XXXX again and was told that they " couldn't help me ''. 

XXXX XXXX is an incompetent bank and should not be allowed access to people 's credit files. I hope they go the way of XXXX XXXX soon ( {$1.00} billion+ penalties, etc. )
Complaint sub-issue: Debt resulted from identity theft

This debt was created as a result of identity theft ... ... and this account has been reported on my credit with attempts to collect as this debt is fraudulent i have filed police and ftc reports regarding this matter
Complaint sub-issue: Debt was paid

Have received a collections letter from ERC collections with the creditor and original creditor listed as XXXX XXXX XXXX. I do not owe XXXX XXXX cable anything nor can their own support staff validate that this debt is legitimate or send any proof/documentation of its validity. This issue has already been reported to the credit bureau and my credit score has been negatively affected. This has caused me significant hardship in getting loans and now recently acquiring new car insurance.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I don't feel like I should be responsible for repaying a loan and the school has since closed. I have no positive out look as to furthering my education. No one will accept their credits and I will have to start all over as if I never went to a suitable school. I think it is unfair to me and any other students to pay for a degree that has no value. I attended XXXX XXXX XXXX XXXX, Georgia campus in XX/XX/XXXX and completed in XX/XX/XXXX. I have contacted the loan company so that it can be dissolved and was denied early on in XX/XX/XXXX. I worked very hard through XXXX, XXXX and XXXX just to hit a dead end!
Complaint sub-issue: Debt was result of identity theft

Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
I C SYSTEM ( Original Creditor : 11 XXXX XXXX ) XXXX {$140.00}