Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Lender trying to repossess or disable the vehicle

My car dealership repossessed my vehicle XX/XX/XXXX after a four day late payment. My contract stated that i had 10 day grace period to pay my car payment. He also took a {$150.00} money order that was not signed and refused to give it back.
Complaint sub-issue: Information belongs to someone else

Affidavit of Demand by XXXX XXXX XXXX COMMONWEALTH OF XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623.  Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, FTC Identity Theft Report Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$180.00}, {$2100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$180.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 


-- AUTO LOAN OR LEASE 3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Account information incorrect

Hello. I am finding that one of the most difficult things I deal with is getting the reporting agencies to report information accurately. I spend much of my days dealing with this and you dropping my scores between billing cycles. I do not carry balances I do not care how much credit I use. I need you to correct the following entries on my credit report immediately and I need you to stop playing with my credit score when balances never carry over. 
XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$0.00} XXXX  XXXX XXXX XXXX {$98.00} which will be paid off by the end of Business Today The only card carrying a high balance is XXXX XXXX XXXX XXXX and that is only because I have yet to be allowed to make a payment and when I do 50 % of that balance is gone with one payment. I am not sure how you are recording your information but if you check my history with each of these card holders I do not carry balances. Please correct and reflect properly on my credit
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX Phone XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX. They are reporting a Citibank N.A. debt that was originated in XX/XX/XXXX from my XXXX husband that I never knew anything about. I never signed for this loan and I knew nothing about it. They are harassing me to make a payment but Citibank sent me a letter stating they dismissed the debt and I filled a dispute through XXXX and provided them with a letter from Citi stating that the loan was fraud and asking them to remove it from my credit but XXXX has refused to move it. On XX/XX/XXXX Citibank sent me a notice of account closure of this fraudulent account partial account number XXXX but XXXX XXXX still trying to collect on it. on XX/XX/XXXX I called XXXX XXXX, but they are still insisting I pay them.
Complaint sub-issue: Reporting company used your report improperly

In accordance credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 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 XXXXXXXX 15 U.S.C 1681 SECTION 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 609a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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

15 U.S.C. 1681b ( a ) ( 3 ) ( A ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of the consumer, or
Complaint sub-issue: No notice of investigation status/result

I need to file a complaint on behalf of Equifax. I asked them about 2 months two months ago to investigate a account by the name of XXXX I Never got any results or feed back on this fraudulent account I would Like for Equifax to delete this info since it has been well over 30 days.. And I never got response or a updated credit report with an update this is a violation of the FCRA
Complaint sub-issue: Old information reappears or never goes away

I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX opened XX/XX/XXXX closed XX/XX/XXXX XXXX   opened XX/XX/XXXX opened XX/XX/XXXX ( authorized user )
Complaint sub-issue: Information belongs to someone else

I have submitted multiple identity theft reports and letters to all 3 credit reporting agencies regarding two collections and a number of incorrect information reports on my credit profile. Equifax continues to report this unverified and fraudulent information. The collections were removed previously and re-added, again, without verification that the accounts belong to me. I have exercised my consumer rights in all letters regarding verification and reporting fraudulent information to all 3 agencies, but the consumer reporting agencies have been negligent and have continued to ignore me.

All dates of letters are included in the files attached. I have also spoken with all 3 agencies verbally, multiple times. 
Neither company has provided me with any updates or information on how they might have verified anything. All have received identity theft reports dating back to 2018.
Complaint sub-issue: Their investigation did not fix an error on your report

I have already sent multiple requests but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 
XXXX XXXX Balance {$16000.00} XXXX XXXX XXXX Balance {$14000.00} XXXX XXXX Balance {$0.00} XXXX XXXX Inquired on XX/XX/2XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There is an XXXX hard inquiry on my credit report dated XXXX 2017. I do not recognize this inquiry nor have had my credit checked during that time frame. This has been recorded without my consent or knowledge. I am willing to provide any proof that this should not be present on my credit report. Thank you in advance for your review.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation and the injured parties THEY are responsible for by signing them up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breach of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Complaint sub-issue: Other problem getting your report or credit score

I have tried accessing my credit report and score and I don't have access to neither and its very frustrating because it's basically stopping me from being able to do anything, equifax doesn't allow me to have any access to my credit report whatsoever and hasn't for i cant remember how many years I'm being told I have a XXXX credit score can't apply for credit cards NOTHING I'm just told no credit please help me fix this because the credit companies refuse
Complaint sub-issue: Debt is not mine

I have never once held a cell account or phone with XXXX. I do not know what the debt is for with XXXX and noone tells me why they keep reporting it. Again my service was never with XXXX My business line is the only XXXX i have and that is current.
Complaint sub-issue: Public record

My Chapter XXXX bankruptcy was filed on XXXX XXXX and was discharged by Illinois Federal Courts in XXXX XXXX. I am aware per FCRA that federal law does not state that a bankruptcy MUST stay on your credit report for 7-10 years. The law ONLY states that it MUST be removed after the falloff date of XXXX XXXX. I am also aware that EQUIFAX can remove this public record prior to the maximum 10 years, if I 've proven myself a excellent credit risk. I am asking in good faith that this Chapter XXXX Bankruptcy be removed immediately. I have shown that I am creditworthy and a very low risk consumer of credit by paying all my current account on time for more than 5 years. If you examine my entire credit history thoroughly one could determine I was a excellent credit risk prior to my bankruptcy. The reason behind my bankruptcy was fueled by the Housing Market Crash. I was in good standing with all my creditors and had never paid late before. I had several credit cards that was included in my bankruptcy do to the nature of the Chapter # XXXX filing. I humbly request that this detrimental public report be removed, so that I may move continue to forward in purchasing the home of my dreams.
Complaint sub-issue: Debt is not mine

I have had recurring issues with Hunter Warfield attempting to collect a debt that I do not owe. In 2013, I disputed the entries that this company made to my credit reports. I was able to get these items removed from the credit bureau reports after I threatened to sue Hunter Warfield for its blatant violations of the Fair Debt Collection Practices Act. I recently became aware that they are continuing to report the same false information to XXXX XXXX XXXX. I am upset because I feel I have already made it quite clear to Hunter Warfield that this is not my debt and I will not be paying it, and that by continuing to report this debt they are breaking the law. Given the length of time that has elapsed, I am granting Hunter Warfield a grace period before I decide to exercise my right to take them to court for violating the FDCPA. I am hoping that the Consumer Financial Protection Bureau will be able to mediate this matter before I am forced to take this company to court.
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 XXXX 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 XXXX 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 XXXX 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: Credit card company isn't resolving a dispute about a purchase on your statement

I sought a legitimate {$26.00} refund request XX/XX/2021 within the allowed time period between the XXXX XXXX and XXXX XXXX XXXX but both companies gave me the back and forth putting the responsibility on the other. I have filed reports against these companies for fraudulent business practices with the FTC. I documented my conversations with both of these companies and have ID numbers for this. I provided all this to Citi which is very clear, regardless they denied assisting me with a resolution and didn't acknowledge that I clearly provided the necessary requested information from them.
Complaint sub-issue: Trouble with how payments are being handled

I requested to have my IDR monthly payment recalculated due to a change in income from the COVID 19 crisis. I requested this on XX/XX/XXXX. On XX/XX/XXXX, I received a letter that my loan servicer put my account in forbearance. I did not request forbearance. They stated that anytime an application is put in, they put an account on forbearance. I have never seen this information written in any place and this was not the information that was given to me over the phone. It states that I will continue making my monthly payments until it is recalculated. As a result, my loan servicer is now telling me that all the unpaid interest on my account will be capitalized when they take me off the forbearance that I NEVER requested. Even though Trump has implemented no interest accrual on forbearance during this time, apparently, since I requested my payment to be recalculated instead of requesting emergency forbearance, now this doesn't apply to me and my interest will be capitalized. Their IDR office is not even open to recalculate payments. This is not my problem and I should not be punished by having my interest capitalized because Fed Loan Servicing can't properly handle their application. Fed Loan Servicing is fraudulent in how they handle loan repayment and will do whatever they can to find ways to capitalize the interest on your account.
Complaint sub-issue: Account status incorrect

Inquires on my credit not authorized by me. 

XXXX XXXX credit card in good standing missing from report. 

Credit Age year has drop XXXX credit card is showing the wrong amount owe change to higher amount, just recently changed within the last 3 months Credit score dropped 60 points or more within the last 3 months. Big difference in my score compared to XXXX and XXXX Old debits that have been delete is back on report The same items on report is showing up multiple times.
Complaint sub-issue: Trouble with how payments are being handled

I am enrolled in Public Service Loan Forgiveness ( PSLF ), and I have been making on time payments since around XX/XX/XXXX when I enrolled into a income based repayment plan. Since XX/XX/XXXX I have worked, full-time, for qualifying institutions for PSLF, except for a month and half in between jobs in XX/XX/XXXX. 

1 ) XXXX XXXX : XX/XX/XXXX - XX/XX/XXXX [ 24 months ] 2 ) 501 ( c ) ( 3 ) - XXXX XXXX XXXX : XX/XX/XXXX - XX/XX/XXXX [ 15 months ] 3 ) 501 ( c ) ( 3 ) - XXXX XXXX XXXX : XX/XX/XXXX - Ongoing [ as of XX/XX/XXXX -- 12 months ] I have worked for qualifying institutions for a total of 51 months as of XX/XX/XXXX. I have been making on time payments since around XX/XX/XXXX when I enrolled into a income based repayment plan. I have re-certified my payment plan each year on time. However, for some unclear reason, the Dept of Ed only calculates around half of these payments. I have requested formal review by a supervisor at the Dept of Ed twice, and they have still not cleared this issue up. Please help.
Complaint sub-issue: Trouble with how payments are handled

My complaint is on the fedloan servicing lender. 
The school I attended is XXXX XXXX in XXXX XXXX, CA which does n't exists in that location anymore. 
My mom has been trying to pay off a parent plus loan that has now accumulated to over {$30000.00} because she has been qualified for low income payments. She even qualified for a little more than a year on a program where she had to make $ 0 monthly payments for 10 years and then the loan would be forgiven. Then they requested proof of income from her and because she makes more money than the year before she had to start making {$150.00} payments with an 8.500 % interest rate. I have called on my moms behalf to see if she has any options to lower the interest and they say they do n't but that she only has to pay for 10 years and then her loan would be forgiven, they keep giving her the same story. Based on the owed amount and the interest rate, she will never pay towards the principal any money. I informed them and they said I 'm correct. So I asked them " are you telling me she is basically only going to pay you interest to hold the loan and never pay the principal? '' And they said yes. I believe they are a huge scam for the practices they are doing because of course my moms credit score is not high, she does n't make enough money and she ca n't get a loan to help her pay off this enormous amount, but they keep getting her into programs that promise to " help her ''. I have read about predatory lender practices and I believe this is exactly what they are doing to my mother. I have even Googled this service and there are so many complaints out there I believe there should be an end put to them. We are honest people trying to pay off a loan that does n't seem to have an end. To make matters even worse, she just took my younger brother to attend school and they placed a new loan under the same lender. We dont understand why they did that. 
Thank you very much for all your help and your time taken to read my complaint.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. 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. These were already included in my prior complaint and I'm including them again. 

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: Personal information incorrect

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX NM XXXX, Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX XXXX NM XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Credit leaked from Equifax in XXXX, they never notified me and now I have inquiries on my account that I did not make ( have n't applied to new insurance, mortgage, credit cards, or anything else that I can think of. ) No notice, no assistance was provided, but yet the credit bureaus stand to make a huge amount of money off this by marketing their protection products, and I have to pay THEM to freeze my credit when they collected it and leaked it without my consent.