Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

I filed for bankruptcy in XXXX of 2009. I have endured the penalties of a low FICO score for the past 10 years, including high interest rates, high insurance rates and impacts to employment. I was looking forward to having the bankruptcy finally removed from my credit report and having a high score and low interest rates, but my score has barely moved since the bankruptcy dropped off my credit report. Today, according to XXXX my score is XXXX. 

According to XXXX the primary reasons are the amounts of loans. My loans total {$140000.00}, but {$110000.00} is from student loans. Of the {$140000.00}, {$8000.00} is due to revolving credit and {$15000.00} is from regular loans, such as a car loan. It should be noted that I have several credit cards with no or very low balances, which do not play into the picture. 

My student loans are under a XXXX repayment program and I pay {$120.00} per month. 

Over the past 10 years there are only 2 accounts showing a 30 days past due, which were caused by the a debt consolidation loan and the bank failing to get the payment to them in time. And those were from 2 years ago. 

Therefore, the primary reason my score is XXXX is because of my student loans. As I mentioned earlier, there was no positive movement after the bankruptcy and/or after other creditors dropped off my credit report. Only negative movement as Transunion is still penalizing me for my bankruptcy.
Complaint sub-issue: Right to dispute notice not received

Based on information and belief this is not my account. I have requested for verification and validation but to no avail. This ERC continue to double report the same items twice on my files. This company will not respond to my requests.
Complaint sub-issue: Information is not mine

The inquiry on my credit report was not mine. I called the company and their response was it was you and it will be removed when it ages two years.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX, Pursuant to CFPB Complaint XXXX, XXXX charged off the last two payments of a 36 month auto loan opened in XX/XX/XXXX, that I had requested the company to respond to regarding their predatory 13 % interest rate. They were in the courts and news at the time for predatory practices, which made me examine more closely how much profit was being skimmed from the loan. Instead of responding to my request - they never initiated collection - but instead sent men who harassed me, followed me to and from work and home, and not once tried to speak to me or repossess the car which was always visible and easily accessible. 

In retaliation, every six months, XXXX reports erroneous late payments to Equifax, causing a 25-40 point drop in my credit score. The loan is closed and has been since XX/XX/XXXX. Currently, the XXXX and XXXX payments of XXXX have been reported as of last week by XXXX as delinquent. I saw the change in XXXX XXXX, checked the XXXX closed account, and yet more payments were now showing up as delinquent. I immediately filed a dispute with Equifax, however can we stop this predatory reprisal. It impacts my credit and takes time to resolve. Since their pattern of abuse and fraud is recognizable, can you help me have them remove erroneous late payments that have long since been charged off with account closed.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing the same items with the Bureau since XX/XX/XXXX, 2017 ; erroneous negative accounts and several unknown and unauthorized inquiries. The Bureau has failed to remove the accounts from my report. I asked for a thorough investigation but that has not happened. They are simply replying verified without explanation as to how they verified the information, or without providing me with the requested documentation ; original contract and my signature.

Also, the Bureau is no longer replying, timely. I am not getting acknowledgement that they are investigating. I am not getting requested documentation as proof of verification. They are violating my consumer rights and this process has become costly and stressful. 
Also, while I have been disputing the items on my report, they continue to insert unverified and unknown items. They will not remove the items or provide proof that I authorized the inquiries or that the accounts belong to me. They are not following credit laws.
Complaint sub-issue: Debt is not mine

Enhanced Recovery Company is trying to collect a debt that was already deemed invalid and removed from my credit report by another collection company, XXXX XXXX.
Complaint sub-issue: Debt is not mine

I was unemployed at the time when this debt collection attempt took place. At that time, a local agency called XXXX was providing energy assistance for my family during the winter and summer and they have been making payments to XXXX XXXX XXXX to cover my utility bills. I do n't know what went wrong and I was not notified of any issues with my energy assistance that I was receiving from XXXX. I was going through hardship due to job lost. I was receiving XXXX and other other help from the state plus XXXX.
Complaint sub-issue: Information belongs to someone else

Why are these accounts showing up on my credit report when they are not mine i do not owe money to this company because i do not have an account with them so remove it 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  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX   ) XXXX, XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,
Complaint sub-issue: Talked to a third party about my debt

Down loaded XXXX Credit Reports XXXX/XXXX/16. XXXX reported a new collection listed from a new CA, repeat of collection of " Original Creditor '' XXXX XXXX XXXX. As previous reports, un-registered ( licensed ) CA reporting {$730.00} alleged debt. As prior reports CA is XXXX I 've never had any contact with, no collection attempts, no phone calls, no demand letters, they just show up on CRA reports. In reading XXXX report it states " closed '', however when I contacted XXXX they stated that the report was still active. I 've uploaded a copy of letter to XXXX, copy of their report & XXXX ( XXXX ) report regarding XXXX. Same issue as XXXX reporting of alleged debt by XXXX. Same continuing story, it will pass from disreputable CA to the next. If the claim were legitimate Original Creditor should have no problem hiring a licensed CA to represent the company, yet???? I 'll keep disputing claim.
Complaint sub-issue: Information belongs to someone else

A loan was taken out in my name in 2018 with XXXX  XXXX  in California. I have never lived or visited California it is a fraudulent account.
Complaint sub-issue: Didn't receive notice of right to dispute

I did not confirm the debt. AFNI Collection Agency is reporting on my credit report of a date of XX/XX/XXXX. I have not had or paid an XXXX XXXX XXXX account since XXXX. Company is  attempting to collect on a debt that is eight years old. I have not had any contact with this collection agency besides mailing a request to verify this debt. I did not receive an response from the company and the company is reporting on my credit reports.
Complaint sub-issue: Card opened as result of identity theft or fraud

Someone used my information to open accounts in my name I want to dispute this immediately. I am a victim of identity theft and the following accounts are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$470.00} XXXX XXXX XXXX XX/XX/XXXX {$120.00}
Complaint sub-issue: Account information incorrect

XXXX   XXXX  ACCOUNT MUST BE REPORTED AS CLOSED BY CONSUMER. THE DISPUTE FLAG SHOULD BE REMOVED AS THE COMPANY HAS RESPONDED THAT THE DISPUTE HAS BEEN RESOLVED IN MY FAVOR. THEREFORE, MY INFORMATION ON THE ACCOUNT IS BEING INCORRECTLY REPORTED. PLEASE SEE THE COMPANY 'S RESPONSE TO THE CFPB.
Complaint sub-issue: Information is not mine

I initiated a dispute with Equifax on XXXX XXXX since then I have initiated a reinvestigation because the outcome of the first investigation stated that they found that the accounts they belong to me so again I disputed as fraud and they 're still saying that they verify the accounts. What account is with XXXX XXXX XXXX yeah the account is with XXXX neither XXXX of these accounts belong to me.
Complaint sub-issue: Can't get other flexible options for repaying your loan

XXXX XXXX has offered me no reasonable options to make payments. I have hundreds in other bills to pay each month, I work part-time and I can't even live on my own or support myself because XXXX XXXX is a black cloud over my life.

My grandmother and I spent over an hour on the phone with a " customer service '' employee, a female, who realized that we both had a deficit when it came to our monthly income and bills each month after a financial examination. That being a reality, I still was not offered a reasonable option to begin payments. I was told that I " have the money '' .. even though I was in a deficit.

It is absolutely crazy how this company would rather drive people to insanity and depression instead of doing all they can to make payments affordable. To really ask if a co-signer, almost XXXX years old, would be " seeking full time work '' in order to help me pay the ridiculous amount is crazy.

I'm not sure what can be done, but the truth about XXXX XXXX and the type of greedy business they run needs to be brought to light, and the lawsuits currently against there shed light on how unreasonable this company is.
Complaint sub-issue: Information belongs to someone else

I have contacted XXXX XXXX XXXX, XXXX, Equifax, and XXXX  several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the Equifax data breech. XXXX, Equifax, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.
Complaint sub-issue: Account information incorrect

Ic system is reporting an account on my credit report that isnt mine. I wanted it delete off my credit repor immediately.
Complaint sub-issue: Account status incorrect

I attempted to resolve my hardship problem by applying for forbearance at the end of XX/XX/2021. It was not processed successfully until the end of XXXX. I am not sure why they did not receive my initial application. When I realized it wasn't processed, I called again, another form was sent but it was the wrong form. When that form was denied. I called again and the proper form was sent over for me to fill out and submit for approval. It was finally approved but one of the loans in the package had different terms that I was not made aware of. I have one loan number that applies to all three of the loan on my account. The forbearance form ask for that number. If I log into my accounts at XXXX there are no individual loan numbers for the XXXX loans that are listed, again they are all listed under the one account number which is XXXX. It was not disclosed that the forbearance application would not apply to all XXXX of my loans anywhere on the application or over the phone. I asked that they review all the calls made in regard to the forbearance and it would prove that this information was not disclosed. XXXX of the accounts that belonged to citizens bank were approved for the forbearance but the one issued by XXXX was not. AES updated the 30 day late comment on my credit report for XXXX bank but did not update it for XXXX. The accounts are current now and reporting as current on my credit report although the XXXX late stain is still on my credit report from XXXX and I do not think this is just. I have attached the letter with specific dates that I sent to AES in an attempt to solve the dispute. I hope you all can assist me in resolving this because it is having a serious impact on my credit score.
Complaint sub-issue: Old information reappears or never goes away

Around XXXX, XXXX, XXXX, and XXXX of 2020, I have been trying to dispute the incorrect information from my credit report. I have also sent a big envelope with reporting documents informing them that this account isn't ' mine The documents showed everything that XXXX XXXX had given to ( XXXX XXXX XXXX ) XXXX XXXX had violated my medical rights by sending my XXXX records to this person. I will be sending you all everything that I have and was sent to me and proof I don't own this bill.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the account to be authenticated ( A ). I will take legal action against them if they do not validate the account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Balance : {$6800.00}
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my consumer rights 15 USC 1681e ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Permissible Purposes of consumer reports 15 USC 1681b ( a ) ( 2 ) States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates 15 USC 1681 ( a ) ( 4 ) states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy
Complaint sub-issue: Their investigation did not fix an error on your report

Submitted Online Dispute with XXXX and XXXX, Regarding my credit report with wrong information, My wife placed me on her account as authorized user i was not aware at the time, When i found out i had her take me off of the account, After submitting my dispute i received a letter from Citibank, N.A, Indicating they were not able to remove this from my account i was told my wife would need to have me removed from the account, My wife did remove me from account, Citi went on to say they would leave all historical information on my Credit report but would stop reporting, This account need to come off of my report 100 % have absolutely nothing to do with this account never used the card. Dont pay or shop with the card Adress provided from Citibank N.A. XXXX XXXX XXXX XXXX XXXX, SD XXXX contact phone number XXXX
Complaint sub-issue: Was not notified of investigation status or results

Below is the letter sent to EQUIFAX begining of XXXX and they still refuse to respond. 


XX/XX/2020 To : EQUIFAX XXXX. XXXX XXXX XXXX, GA XXXX Re : Not able to access my account/EQUIFAX refusing to verify my identification, and reporting in correct information. Then refusing to allow me to dispute the information saying they can't verify me. 

Im writing this letter because EQUIFAX will not allow me to access my credit file, I have provided all identification information online and over the phone and EQUIFAX claim you can not verify my identity. In addition, Equifax has caused XXXX to close my account because Equifax stated they could not verify my identification provided through the requested form 4506-T XXXX submitted. 

I called and spoke to an Equifax representative on XX/XX/2020 regarding this issue and was told that EQUIFAX doesnt have enough information to verify my identification. This I dont understand knowing that EQUIFAX is taking in and reporting out information on me. The representative said I need to send in a copy of my State ID/Drivers License and Social Security Card. 

I am aware of a breach of information in your system in the past and Im uncomfortable with providing this information, but EQUIFAX is holding my information under hostage, preventing me from getting approval for a of line of credit, impacting my credit score and now XXXX closing my account due to EQUIFAX neglect. 

Attached is a copy of my Drivers License and Social Security Card, as requested. I need access to my EQUIFAX account and I need EQUIFAX to provide the requested information that XXXX asked for so that maybe they will reconsider re-opening my account. 


Thanks
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account name : U S DEPT OF EDXXXX Account number : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX 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 an account without my written instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a hard credit check from US Bank on my credit report from XX/XX/23 that I did not authorize. It has impacted my credit score and I would like it removed from my report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I ordered multiple items from XXXX and there was a problem with their system that day so I had to call to speak to a customer service representative. When she processed my order she put in the wrong street name even though it was already correctly in on my account online. I later received an email and noticed that the street address was wrong and called to correct it, it was never corrected even though I made several calls to ask them to correct it. All the items were shipped out to an undeliverable address and the items I ordered for XXXX, On XX/XX/XXXX, were not going to make it here for XXXX. I was told I could reorder them, but they would not credit my account until after 10 days. I was also told it would cost me more money at this point. I asked to cancel the order. I never received the items. For some reason two items were sent here I went to a XXXX store and tried to return them, but when the clerk tried to return them it said that I was already credited for them. She then shipped them back for me and XXXX only credited me for one of them! I have literally spent hours, at least 6 on the phone with XXXX customer service. Sometimes I have been put on hold only to be hung up on after holding for over 30 minutes. I have been told the charges are all removed yet there is still a little over 29.00 on my account. I did not receive any items but the two necklaces and I returned them both so there is no reason for there to be a charge. I returned these items on XX/XX/17 so I can not understand why XXXX cant get this resolved by now. Its outrageous. Ive also asked they close the accounts but havent. I have cut our cards up thinking the account was closed and this was resolved as they told me it was, but now that it isnt they wont give me my account number
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/21, I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 60 days and I have not received a response yet. With COIVD going on I understand that it may take a little longer to process my request but over 60 days??. According to Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason for immediately remove those items from my credit report, it has been over 60 days therefore they should be promptly deleted. I demand these accounts be deleted immediately or I will file for litigation due to failure to comply with the laws set in place and the time and financial restrictions these items have placed on my family and I. I am not sure but under the impression that the inaccuracies are a result of my information being involved within the equifax data breach and may have been taken by someone else.
Complaint sub-issue: Account status incorrect

My mortgage with XXXX XXXX was in forbearance & though they were not reporting late they kept upping the past due amount every month so my loan showed I owed more than the original loan & has tanked my credit. I spoke to them in XX/XX/XXXX about it & XX/XX/XXXX again & they said they would bring it to the attention of the department responsible. Spoke with them again XX/XX/XXXX & they said they were allowed to report the overdue amount in the balance as long as they dont say payments were late. They also showed that my account was in forbearance on all my credit reports. Credit companies said they could do nothing or change any of that reporting. This in turn has completely messed my credit report up & Ive ended up with reduced credit lines & higher interest rates. The reason showing is my loans are too high balances compared to the original amount & theyre over the limit amount. This is the ONLY problem on my accounts! Not to mention other problems Im having w XXXX XXXX holding my sons CD hostage during Covid. Now instead of modifying my mortgage to a lower rate/payment they have put me in a trial 3 month payment for {$200.00}. Less than the original mortgage amount but have told me nothing about what they will be doing with my mortgage & if I will have a lower interest rate & payment after or IF they will be modifying at all! I am XXXX & need help desperately!
Complaint sub-issue: Sued you without properly notifying you of lawsuit

XXXXXXXX XXXX XXXXXXXX XXXX. Has filed a summons against me. They claim I owe {$690.00}. I have not heard of this Agency before. I have not received any letters from the original creditor in the last 2 years. Citi Bank. I have not received any letters from any Debt collector in regards to Citi Bank in the last 2 years. I don't feel I owe this amount. And I want to see the original Amount from the original creditor. Citi Bank. I feel that XXXXXXXX XXXX  XXXX is making up numbers to get more money from me.
Complaint sub-issue: Was not notified of investigation status or results

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XXXX. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Complaint sub-issue: Information belongs to someone else

I have filed a identity theft ftc report because I found inaccurate accounts on my credit report and nobody is helping me
Complaint sub-issue: Reporting company used your report improperly

i receive my credit report and notice that this company was showing as an inquiry on my XXXX  from CBNA on XX/XX/2018. I'm unaware as to who this company is and I did not authorize my credit to be viewed by this company