Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with the interest rate

Since XX/XX/XXXX I have been paying my vehicle loan and it is too high of interest rate, it 's above % 20 I paid {$5000.00} down the balance is still increasing and higher than the actual value of the vehicle. 
The company makes it difficult to make payments ; in locked out of my web account and they do not have assitemce to get me logged in and every time I make a payment they charge me {$8.00}. 
They raised my payment by approximately {$100.00} in XX/XX/XXXXand said it was for insurance which I took car off. I have not received my tags for XX/XX/XXXX and the police told me my vehicle came up as not registered. 
I am not defaulted in payments however when I have trouble paying on time they call my friends and family and tell them I did n't pay on time and they are trying to get ahold of me. It 's embarrassing and they make it difficult to pay on time. They have already report led to my credit that I was late on a payment.
Complaint sub-issue: Investigation took more than 30 days

I sent a online Opt-Out to LexisNexis on XX/XX/2022 @ XXXX and it has been past 30 days according to my consumer right concerning my public records being shown & shared on my reports to the public, also the investigation has not done anything to showing my public record even though it is discharge bankruptcy. This public court record should not be showing on my reports if I opt-out I will upload my proof. 
LEXISNEXIS has not up held my consumer rights and has ignored my Opt-out document and if it continue to be public or shared I will seek legal help and damages. Thank You
Complaint sub-issue: Information belongs to someone else

ftc violation sent to creditors about my inquires they had over 30 days to fix it
Complaint sub-issue: Personal information incorrect

I was going over my credit files with my attorney and we noticed a lot of unknown addresses and a few errors in the information on my credit report. My name is XXXX XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX, OH XXXX my SS XXXX my DOB XXXX. Please delete any and all information other than the above spelling of my name. 
The following accounts need to be deleted : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Complaint sub-issue: Debt was result of identity theft

I checked my credit report and noticed accounts on my credit that did not belong to or authorized by me. I quickly contacted police where they did a police report and provided me a copy. I then sent in that report as requested by the credit bureau along with other verifying information such as drivers license, utility bill and a copy of my social security card.
Complaint sub-issue: Debt is not yours

Afni, inc. has falsely reported information about me to the credit bureau, and it has negatively impacted me. I am in the process of buying a home and this is preventing me to move forward. The debt says it 's an XXXX & XXXX XXXX account, which I 've never had. I 've been a XXXX customer for over 10 years. I pay my bills, and everything on my report is positive except for this false collection. So that I could move forward with my home loan I even contacted Afni to pay the debt ( even though it 's not mine ) if they would remove it from my credit report. They declined. It makes absolutely no sense to ruin someone 's life for absolutely no reason.
Complaint sub-issue: Was not notified of investigation status or results

Sent a letter on XX/XX/2021 via mail to Equifax to have them investigate two ( 2 ) items from my credit report. I also requested an updated copy of my credit report and I have not received it. Company failed to respond to any of my requests.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Over the last 90 days I have contacted the XXXX and Equifax regarding unauthorized hard credit inquiries on my credit report. I have initiated disputes with each company and no changes were made. 

I have mailed in a letter stating the unauthorized inquiries that should be removed and no changes have been made.
Complaint sub-issue: Debt is not mine

They are calling for my ex-wife, whatever debts she has have nothing to do with me.
Complaint sub-issue: Didn't receive enough information to verify debt

There are debts that appear on my XXXX  credit report for companies that I have never been contacted by. I have received absolutely no phone message, emails, or letters in the mail regarding any of my medical debt. AR Resources Inc XXXX XXXX XXXX Neither of these companies have contacted me in any way regarding the debt that appears under their name on my XXXX  credit report.
Complaint sub-issue: Reporting company used your report improperly

THEY SENT ME TO A DEBT COLLECTOR CALLED NELNET. XXXX HAS THREATENED ME MY LIFE. AND SAID THEY WILL MAKE ME HOMELESS. THEY HAVE CAUSED ME MENTAL DISTRESS ON TOP OF MY PROBLEMS AND MARK MY WORDS IF NELNET DOES NOT LEAVE MY WAY OF LIFE ALONE I WILL XXXX THEM BEFOR THE END OF XX/XX/XXXX AND THAT 'S A PROMMISE CAUSE THEY XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

I HAVE SENT LETTERS AND CALLED XXXX, XXXX AND EQUIFAX TO REMOVE ALL ADDRESSES IT HAS BEEN OVER 60 DAYS AND THEY JUST KEEP SENDING ME CREDIT REPORTS. I NEED THEM TO REMOVE THE OLD ADDRESSES.
Complaint sub-issue: Debt was result of identity theft

In early    XXXX   I re ceived   XXXX   emails from Best Buy advising me of  XXXX  orders. I did not purchase anything. I immediately called Best Buy to advise them that they were fraudulent. I also told them that since the orders were not shipped that they should cancel them.   I was transferred to Citibank to report the situation. They advised me to cancel the card and they were to issue me a new  one.  He assured me that I would not be responsible for the charges.  Two d ays later I received notice that  XXXX  of the  XXXX  items were shipped! Mistakenly I thought at that time it was handled. On   XXXX   XXXX   I received a bill for these purchases. I immediately contacted Citibank and at that time the representative said she would start a claim. I guess the representative that took the original call did n't properly deal with the issue.   Now I receive collection calls every couple of days. On  XXXX  I called Citibank again and told them to stop the calls. I also complained on the Citibank social media page. The  XXXX  rep gave me a number to call and after speaking to two reps I was transferred to an answering machine where I was told someone would return my call in  24-48 hours .   I have made several calls, emails, and messages. All I get is an  endless trail  of voice prompts and empty apologies. I have a credit rating of over  XXXX . I do n't want this to do any harm to that and need the phone calls to stop.
Complaint sub-issue: Attempted to collect wrong amount

I received a letter dated XXXX/XXXX/XXXX, indicating that I was eligible to receive a 50 % discount of the debt and have the debt deleted from my credit report. The original debt is {$3000.00} ; discounted is {$1500.00}. I responded on XXXX/XXXX/XXXX, the due date as indicated on the letter, by phone and was told that they would not speak to me and that I had to send an email to " XXXXXXXXXXXX ''. I requested a payment plan and offered to pay {$35.00} per month beginning XXXX. 

On XXXX/XXXX/XXXX, I sent a follow-up email as I had received no response. 

On XXXX/XXXX/XXXX, I received a response indicating that I owed the entire balance of over {$3000.00}. I responded back immediately and asked them to review my initial email. 

On XXXX, I received a response indicating I owed the entire amount.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Hurricane maria passed over puerto rico And i need to get water, food, there 's no energy, economy was affected, etc ... 

I call MRS BPO LLC to request moratorium payments but they refuse it I have doubt of the legit of my account with MRS
Complaint sub-issue: Information belongs to someone else

I have a fraudulent account in my Equifax credit report which is : Report Date XX/XX/XXXX Credit File Status No indicator on file Average Account Age 6 Years, 4 Months Length of Credit History 6 Years, 4 Months Oldest Account XXXX XXXX | XX/XX/XXXX Most Recent Account XXXX XXXXXXXX XXXX XX/XX/XXXX.
Complaint sub-issue: Account information incorrect

I had to enter into a Covid-19 related forebearance plan with my Mortgage Servicer, XXXX. Everything was approved. Due to financial hardships, I had to sale my house. I went into my Forebearance around XX/XX/2020. I immediately put my house on the market and it was sold, it closed on or around XX/XX/XXXX. The loan was successfully paid off and I was paid my share of the profit from the sale. 
XXXX has reported my credit has over 120 days late and missing payments for XXXX, XXXX, XXXX and XXXX. 
My credit score has plummeted from around XXXX to below XXXX. I have reached out via XXXX, XXXX  and XXXX  with disputes but XXXX didn't change it. 
I called Loancare, multiple times. Everytime I call them, I am told they did not report anything negative, it must be the credit bureau. I would think that if it was just one bureau. But currently XXXX  and XXXX both report the exact same negative information. 
I have called and emailed Loancare numerous time and no one has emailed me back. On the phone calls, after waiting on hold for over an hour each time, all they tell me is they do not see anything negative on " their end '' and there is nothing they can do. I have worked very hard for my good credit. I have XXXX late payments and a really good score, until this issue.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a XXXX Letter EQUIFAX ( XXXX XXXX XXXX XXXX XXXX ) disputing the accuracy of the Accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX # XXXX. I sent a request for, method of Verification under the Fcra, section XXXX ( a ) ( XXXX ) and ( XXXX ) after 15 day I never recived anything.
Complaint sub-issue: Reporting company used your report improperly

Equifax says my information was potentially affected by a recent breach of information.
Complaint sub-issue: Was not notified of investigation status or results

Contacted Lexus on XX/XX/2020, about bankruptcy that was reporting on credit accounts. The source of information was reported by Lexus Nexis I received a reference number from Lexus Nexis after contacting them-ref : XXXX. The 30 days passed that I was informed that they would investigate and sent me results in the mail. I contacted Lexus Nexis again on XX/XX/XXXX the I was informed their investigation was complete over the phone. I requested information to be sent to my address I never received follow up information. On XX/XX/2020, I requested a method of verification I was told I would receive information in the mail 30 days later they gave me reference : # XXXX I never received the corresponding information. I would like to request the account in question that I'm disputing with Lexis Nexis bankruptcy # XXXX and bankruptcy # XXXX be removed from their database.
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 ( equifax, XXXX  ) Has violated my rights! 
XXXX # XXXX ( XXXX ) has violated my rights! 
XXXX XXXX # XXXX ( XXXX, XXXX ) has violated my rights! 
XXXX XXXX XXXX # xxxxxx ( XXXX, XXXX ) has Violated My rights! 
Fig Loans ( XXXX  ) has violated my rights! 
XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )
Complaint sub-issue: Information belongs to someone else

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. XXXX  dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of item which is UNKNOWN to me : XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00} or XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}.
Complaint sub-issue: Account status incorrect

On XXXX of XXXX A late payment showed on 4 of my XXXX student loan accounts and credit reports. On XX/XX/XXXX, I called to let the company know that I had no late payments on my student loans. On XX/XX/XXXX, I again contacted the company to remove the late payment. The company advised me that there is nothing that they can do to remove it. 
I also contacted the 3 credit bureaus XXXX, XXXX and XXXX  to remove late payment to no avail.
Complaint sub-issue: Personal information incorrect

In 2016, I contacted all 3 credit bureaus to advise my name and old phone numbers were incorrect. I received updated credit reports that my personal information had been updated by now on my 3 credit reports the information has re-appeared. There are several name son my credit reports that are not mine as well as incorrect addresses and phone numbers on all 3 credit reports with the 3 major credit bureaus.
Complaint sub-issue: Public record information inaccurate

The account was reaffirmed on XX/XX/2022. The bankruptcy was discharged on XX/XX/2022 and DID NOT include the mortgage as we had already reaffirmed it. I have spoken with XXXX numerous times and they refuse to correctly update the information on our credit reports showing the accurate information. I have filed numerous disputes with all three credit bureaus and uploaded a copy of the reaffirmation paperwork that is signed by XXXX 's attorney, XXXX XXXX. They continue to keep the status the same even though they're reporting inaccurate and false information. They currently have the account listed as " petition for bankruptcy '' which is not accurate at all and is effecting our credit negatively.
Complaint sub-issue: Received bad information about my loan

Federal Loan Servicing Credit received a certified letter form me on XXXX/XXXX/2016 requesting the following information according to the FDCPA 807 [ 15 USC 1962e ] a contractual document with Federal Loan Servicing Credit bearing my signature AND marking the account disputed on my credit report. As of XXXX/XXXX/2016 Federal Loan Servicing has not complied with my request.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$5700.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I have a XXXX XXXX overdraft line. Recently I received a report from the credit bureaus that XXXX XXXX reported me late to the credit bureaus. When I login to the XXXXXXXX XXXX  online banking platform, the bank is clearly communicating there is NO balance due ( See attached screenshot ). It was only because of my son, however, that we were able to figure out that if I click " Pay Now '' ( again, the balance and everything on that page gave no indication a balance was due ) I could then see that there was an absolutely minuscule {$6.00} balance of interest that had to be paid. No mail was sent to me alerting me of this past due balance, either by paper mail, email or phone call. The only attempt that I saw come through was lodged in my spam folder from a XXXX XXXX on the XXXX day of being late. Here is the message : " Hello XXXX, I hoping to speak with you. Could you please call me back at XXXX or at the Main Number XXXX? Thank you. '' This message does not convey any urgency, nor does it say I should contact XXXX XXXX to avoid any negative credit reporting. It could be a marketing request for all I know.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account Name XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

Hi my name is XXXX XXXX I was a victim of identity theft and I reported problem to 3 Major Bureaus and creditors and upon doing my own investigation and contacting some creditors myself I found out that fraudulent account were open either with previous addresses either phone number and e-mail that fraudsters use were not mine and companies reporting to major bureaus came back with investigation results that investigation was done and information was correct but they were not.I attached proof such as rental agreement for the years where I lived.
Complaint sub-issue: Information is not mine

On XXXX XXXX, 2016 i have disputed several fraudulent accounts and Public Records that was listed on my Equifax Credit Report however after Equifax received my supporting documentation i.e. Police Report and Identity theft Affidavit and letter ( s ) sent to the Court, Companies and Creditor Equifax still refused to block the fraudulent accounts being reporting on my report. I have provided a listing of the companies and Public Records i disputed with Equifax below, 1 ) XXXX Bankruptcy XXXX Filed XXXX 2 ) XXXX Bankruptcy Court Filed XXXX 3 ) XXXX XXXX Special Civil Part Filed XXXX 4 ) XXXX XXXX Special Civil Part Filed XXXX XXXX ) XXXX XXXX Special Civil Part Filed XXXX 6 ) XXXX XXXX Special Civil Part Filed XXXX 7 ) XXXX Mortgage 8 ) XXXX XXXX 9 ) XXXX XXXX 10 ) XXXX 11 ) XXXX
Complaint sub-issue: Information belongs to someone else

There are multiple accounts on my report that do not belong to me
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

I never had a permissible purpose Under 1681 b number 2. I never instructed you to furnish this report or to create this report. I never consented to this report in the first place.
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. 
Account name : XXXX # XXXX, Account name 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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