Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't get other flexible options for repaying your loan

I had a foreberance on this loan back in  XXXX  because I had lost my job, after which   XXXX   XXXX   XXXX   made no attempts to contact me, I have had no contact with the loan provider since that  time.  XXXX    years ago, they attempted to take our federal income tax return, since this is my debt and not my husband 's, he had to file an  XXXX  spouse for to get his portion of the return back. The only information I could get from the IRS was the loan was sold to the government. Last month, I get a letter from  Allied Interstate, LLC t hreatening to garnish my wages, up to  XXXX  %, for repayment of the loan. I made an attempt to contact them, they kept telling me I need to pay the loan in full and they could help me do that over the phone. When I told them I could not pay the amount in full, they said, well you will have to wait until we send you more paperwork. About a week later, I received information in the mail again asking for all my financial information. A couple of days ago, I received a letter from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , saying that I have a hearing scheduled for  XXXX   XXXX , in which they will decide how much of my wages they can take.  Allied  has sent me a statement of payments, there is an additional {$10000.00} worth of collection fees, etc added to the loan. Also, I was charged an additional {$17.00} each time they had to send a portion of my tax return back. There is no indication on this statement where the portion of the money that was kept was ever applied to my account. I have made numerous attempts over the years to get in contact with someone about this loan, with failed attempts. The loan information is not on my credit report as a default or open collection, etc as of   XXXX   XXXX   XXXX  .
Complaint sub-issue: Account status incorrect

There are times when I paid late. And of course a {$20.00} late fee is charged. The problem is that when I make the car payment and the additional {$20.00} late fee they dont use the extra {$20.00} I send to cover the late charge. Instead they apply the extra {$20.00} to the next bill reducing the next payment and carrying over the {$20.00} late fee. For example my car payment is {$350.00} when I send {$370.00} they pay the car payment and reduce the next payment to {$330.00}. And then carry over the {$20.00} late fee. The problem is that they start reporting the account as 30 days late to the credit bureau. And they done this multiple times resulting in additional 30 day delinquent marks on my credit. Most recently  XXXX   XXXX .
Complaint sub-issue: Account status incorrect

I had two XXXX XXXX accounts that are being incorrectly reported to the credit bureaus. After having a difficult time with paying my debt and ultimately nearly going into default I contacted the company who agreed to accept a settlement on the accounts. They agreed to remove the information from my credit report upon payment of the account. I settled the account with XXXX XXXX, however they did not follow through with the removal from my account as promised. Please remove these accounts from my report. Regards
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Check my credit report today and I noticed someone use my information to inquire about some things that I never was aware of multiple times .. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX : reporting multiple times on each XXXX XXXX Equifax Anything reporting inaccurate with multiple dates & wrong information should be removed immediately as I learned the fai credit reporting act. 

Trying to do better in my life but how can I with all this wrong information on my report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX on XX/XX/XXXX 2. XXXX XXXX XXXX on XX/XX/XXXX 3.  XXXX XXXX on XX/XX/XXXXXX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 


15 U.S. C 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Information belongs to someone else

IVE BEEN A VICTIM OF IDENTITY THEFT.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Credit Karma XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX These were all soft inquiries that I did not authorize
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 confidentially under 15USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPTEDXXXX XXXX DPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Sections 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

Equifax along with XXXX  and XXXX  refused to remove the fraudulent accounts off my report violating the FCRA. I sent multiple times my police report along with my FTC affadavitt to no avail. Immediate rectification should be exercised to the problem at hand.
Complaint sub-issue: Problem during payment process

My former request for you to make sure you present me along with the info as to whom you chatted to like the addresses and names of the person or persons got into contact with has unfortunately not even been filled. At the moment I am looking for a lawsuit and also have started the whole process of calling legal " counsel ''. I'm seeking for one final time that you still generate me making use of the important information that has been recently asked for and in addition to that make sure furnish me with a copy of the agreement settled or voice chat where I signed up charging me from this account.
Complaint sub-issue: Information belongs to someone else

The one missed late payment with XXXX XXXX XXXX is inaccurate. All of my payments with XXXX XXXX XXXX as always been on time. I have not had a late payment with XXXX XXXX XXXX.
Complaint sub-issue: Other problem getting your report or credit score

My mortgage lender is trying to pull my credit for a loan and Equifax is unable to get pulled its giving them a error saying its blocked. Equifax denied the report being blocked. The lender is only able to pull using my maiden name ( XXXX ) not my married name ( XXXX ) which is causing my Loan to not go through. The name should read XXXX XXXX XXXX for my credit report. Equifax is saying its not them its the lender.
Complaint sub-issue: Information belongs to someone else

I use to work for a company back in 2013 that went bankrupt shortly after my departure as an employee. I moved on with my life and studied XXXX  and became a XXXX XXXX XXXX for one of the biggest XXXX XXXX in XXXX. I recently noticed credit card account reporting on my credit report that i had never opened and never used at first i was very confused because there was no explanation to how it got there. When i dug a little deeper and called XXXX  to try and resolve this issue i found out that it was a Business credit card that belonged to the company i use to work for. I never had any idea that this account was linked to my social security number. I tried to resolve this issue with both the Creditor and the credit bureaus but the account is still reporting on my credit report as if it belongs to me. Not only the statue of limitation already passed ( Its been Over 7 years ) the account is being reported as a collection and with a balance of more then 5,000 dollars.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax - I have sent over 4 dispute letters to Equifax all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. 

Dates : XX/XX/2021 - XX/XX/2021 Actions Taken by Me : Sent 4 dispute letters to Equifax by Certified Mail pointing out FCRA violations.
Complaint sub-issue: Information belongs to someone else

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Information belongs to someone else

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will call my LAWYER Asap!
Complaint sub-issue: Debt was result of identity theft

2 months ago I started getting phone calls from different numbers asking for my information, when I asked what was the call for they would say they couldnt say anything about the reason of the call until I give them all my information. I would tell them to stop calling they kept harassing and threatening me. Saying they were going to take legal matter and file a report, stated that they knew where I lived and where I worked, and they were going to send someone to personally deliver documents about the report if I dont pay them right away. I logged on to my XXXX XXXX  and noticed that there was a collection of {$880.00} from Stafford Group Associate. I looked it up online and noticed from the same company that they were doing this to other people. If you could please help me to dispute this transaction/collections.
Complaint sub-issue: Information belongs to someone else

Due to COVID-19 I obtained copies of my credit report and noticed several inaccuracies on it.
Complaint sub-issue: Account information incorrect

ACCOUNT : XXXX XXXX was granted a judgement against me. 

Status and information is incorrect. 

The company agreed to settle the account and remove the debt from my credit reports after the settlement was paid. 

I paid the amount agreed upon in a lump sum but account has remained on my Credit Reports.
Complaint sub-issue: Information belongs to someone else

Somebody used my personal information, i was victim of identity theft.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Bureaus Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX : XXXX XXXX  XXXX Balance : {$0.00XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020 XXXX XXXX XXXX XXXX Balance : {$0.00} Equifax : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} Federal Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Account status incorrect

On my credit report under hard inquiries, it shows XXXX  ( XXXX XXXX XXXX card ) as of XX/XX/2020.This was suppose to be a soft inquiry and it is under soft inquiry as well.This XXXX should be a soft inquiry
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are reporting the incorrect credit limit amounts on the XXXX  XXXX  partial account number XXXX ; XXXX  XXXX partial account number XXXX ; and XXXX  partial account number XXXX. ( Please see page XXXX of the attached credit report. ) This incorrect reporting of the credit limits is hurting my credit score. Please remove these line items from my credit report.
Complaint sub-issue: Debt is not yours

no idea what the debt is for!! reached out to company CAC Financial by mail, no further info was received. My medical is cover 100 % by the XXXX XXXX clinic that my family visits so there is no way to have a outstanding balance,
Complaint sub-issue: You told them to stop contacting you, but they keep trying

XXXXunknown phone call received XXXX # XXXX received XXXXunknown phone call received : I returned call which I found was XXXX : This was someone from PNC, stating they were attempting to contact my ex-son-in-law ( they only gave me his name, XXXX XXXX ). He said they were reviewing a resume and needed to talk to me ). I asked him to never call again and he stated I would be taken off the list ). 
XXXX XXXX received from XXXX XXXX from XXXX, Wa. I called back to the number XXXX and it was someone from PNC regarding my ex-son-in-law. I told them to not call again. 
XXXX Call from XXXX again. 
Called that number back. Same individual again and repeated that I didnt want to be called re : son-in-law from PNC. He began angry and said I was lying about my son-in-law and hung up on me.
Complaint sub-issue: Transaction was not authorized

Scammers called my bank and informed them that I had lost my debit card and change my address to their. These are the same people that scammed me out of over XXXX They continue to harass me.telling me that the police can not do anything because this is not a criminal suite but a civil suite . NO one will help me I have contacted XXXXgovernment entities to my dispute I am on my own.
Complaint sub-issue: Information is missing that should be on the report

To whom this may concern, For the past 8 months I have been reaching out to all three credit bureaus about a credit cards inaccuracies on my account. According to my credit report, my credit card ending XXXX from XXXX XXXX XXXX XXXX, is closed. However, I am currently using the card and it is not closed. I have had this credit card for five years now and this is a huge reflection on my credit score.

I need this account to be reported accurately ( Opened ). I have also reached out to XXXX XXXX XXXX XXXX and they have also reached out to the bureaus but I see no change on my end.
Complaint sub-issue: Account status incorrect

Every student loan I have ( 28 ) that said $ XXXX  is due and it is I. Good standing was put on my credit report had a negative mark. 1 loan which is in default was never put into good standing as was the directive from the US Department of Education. I also asked several times to consolidate them all and it still had not been done. My credit score has dropped 200 points since COVID-19 started and they reported all this. I also have asked multiple times to send me a bill which they have never done. All they say is that they emailed me. I never opted To have eBilling ever.
Complaint sub-issue: Information belongs to someone else

I first Disputed an item with XXXX XXXX in XXXX, I later sent another letter in the month of XXXX on the XXXX and the company received the dispute on the XXXX. The dispute in this letter stated to the company that they had broken the law because according to FDCPA 807 ( 8 ). The law states that the agency is required to contact the credit bureaus and make sure to add a sentence to my credit report within 30 days that says I have disputed the item. This law was broken, which should cause for immediate grounds of this item being removed from my credit report. I also received a letter from the company that was dated for XXXX XXXX, XXXX the exact day that the company received my dispute. In this letter from this company the company stated quote on quote " Thank you for your letter dated XXXX XXXX XXXX. In regards to your XXXX XXXX credit reporting of " In dispute '', the account is marked as such in our system of record as of XXXX XXXX, XXXX when your first letter of dispute was recorded. Due to the ECOA status of Terminated under the petition XXXX bankruptcy of your co-maker, the compliance condition code was in need of a manual addition. Therefore we have submitted an update to the credit bureaus to alert them of your XXXX trade-line being in dispute. As you can see the company stated that I had first disputed the item in XXXX, I later disputed again with the company in XXXX which was well over 30 days, so this federal law had already been broken. Later when I updated my credit reports I could then see that the company had went into the system and added the disclosure well after the 30 days
Complaint sub-issue: Reporting company used your report improperly

I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX  ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C3729-3733. 

( XXXX ) is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( XXXX  ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. 

This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by ( XXXX  ) for the account opened XX/XX/2021 with account number XXXX. 

Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( XXXX ) into the ( FTC Federal Trade Commission ) for aggravated identity theft and Fraud. 

If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.
Complaint sub-issue: Investigation took more than 30 days

This is totally unacceptable. This is my second complaint due to the negligence the bureaus have displayed. On XX/XX/XXXX I sent in my first letter regarding the inaccurate, misleading, and false reporting items I noticed on my credit report. I received no reply from the bureaus because of this. I wrote them a second letter on XX/XX/XXXX. I have yet to hear any response from the bureaus. This is a violation of my rights Section 611 ( a ) state that once a reporting agency receives a dispute within 30 days, the agency must record the current status of the disputed account or delete the account from the report. It has been over 80 days since my original letter was sent. The bureaus have a duty to provide notice of dispute which they are clearly ignoring. These violations are payable up to {$1000.00} each I demand these accounts to be deleted for their inaccuracies and the negligence of the bureaus. I will not wait for another 60 to hear a response. This has been stressful and needs to be addressed.
Complaint sub-issue: Problem during payment process

On XX/XX/2020. My account was on auto bill and my payment of XXXX did not go through. I reached out to the company and they said that the saw that the payment tried to go through but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage and the company will not help me with this unfair situation.
Complaint sub-issue: Reporting company used your report improperly

Faith does not make things easy but possible. I was so very badly destructed and out of shape by what I believe is above limit discrimination with no solution. But, recently, I started to improve and attempted to get my very badly fractured life, liberty and pursuit of happiness get done together up to my capacity. I visited the FTC website and found important information about the data breach settlement with EQIFAX. I received the data breach victim notice by the time., but there was nothing new or business was as usual. The most recent complaint that I submitted to the CFPB just weeks ago got resolved in less than two weeks [ I barely get the desired response but this one was amazing may be because it is day light stuff without any string to be attached ]. What is my right? I read that they are paying up to {$20000.00} to some individual victims or consumers. I can not understand in depth., but I confirm that I am one of the consumers who received that notice.