Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

Ally banks is saying I owe a {$630.00} dollar balance on a car loan that was totaled and paid for by XXXX XXXX and the ally gap insurance coverage they made me put in my loan agreement. I filed XXXX  XXXX bankruptcy on XX/XX/XXXX of XXXX and in XXXX of XXXX they reported that they Closed my account as a charge off of {$630.00}. Which dinged my credit report big time after Ive worked hard to get it semi back to normal the last 2 years. When I call no one there ever has any information and they tell me to call back the next day.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 
I have NO CONTRACT for goods and services with this company. I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. This is a violation of the FCRA according to 15 U.S.C. 16921692P
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit. The fraudulent inquires are below : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Problem with fees

The company suddenly started charging XXXX $ late fees even though I had been making payments ahead of time, every month for the past 18 months. My payments have always been made on roughly the same date through autopay. It was a promotional interest purchase, so I had set up an autopay through my bank every month. Prior to the promotional payment purchase for the issue in question, my payments never incurred late fees. I tried explaining this, but they stated they could not waive the full 18 mo of late fees. They ended up reversing 3 mo of them. I have excellent credit, make a great wage, may all my bills on time, and usually early. Any reasonable person could conclude this was an error on the billing side.
Complaint sub-issue: Their investigation did not fix an error on your report

Today on XX/XX/XXXX, I contacted credit reporting agencies via telephone to remove unauthorized inquiries and accounts on my report. The representatives refused, which is a violation of my consumer federal protection rights. XXXXXXXX/Equifax/XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiries and accounts be removed now. Plus I already received a letter from XXXX XXXX saying they would remove this fraudulent account from my credit profile, nut yet they deceived me because they left it on my credit report. that is very deceptive under 15 USC 1692j & FDCPA section 807. I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). this is complete XXXX and a protected consumer, I feel as if my rights are being abused. please refer to my invoices to remedy this situation.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly 30 90 plus days late, as well as a Repossession on the XXXX partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account is in good standing ; I have possession of the vehicle ; and there have not been any missed payments. I have also attached a copy of my Receipt from XXXX XXXX dated XX/XX/2019 reflecting my XXXX, 2019 payment. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful. This incorrect reporting and coding is harming my credit score and this line item needs to be corrected.
Complaint sub-issue: Didn't receive terms that were advertised

I opened a business checking & money market savings account at a U.S. Bank branch in XXXX XXXX, CA onXX/XX/2019 with an advertised promotion for {$400.00}. The terms stated that I must deposit {$5000.00} within 30 days of account opening and that the {$400.00} bonus would be deposited into my account within 45 days of this event. I deposited the {$5000.00} minimum on XX/XX/19. The 45 days would be XX/XX/19 and the deposit still had not been credited to my account. I called the branch and they assured me that I had met the terms and the deposit would by seen in my account the following week. After waiting a week, I did not see any activity, so I called again, and they assured me it would then be credited the following week. Finally, I went into the branch where I opened the accounts on XX/XX/19 and sat with a banker to explain the situation. They said it looks like I met the terms, but it could take another 8 weeks to look into it. It seems they are giving me the run around, and do not plan on following their own terms.
Complaint sub-issue: Information belongs to someone else

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I demand to DELETE immediately those accounts or I will file a litigation that cause me stress.
Complaint sub-issue: Account information incorrect

Creditkarma has been reporting false information from : places of employment and credit score to certain items on my credit report, just to try and sell me on getting loans or credit cards with high interest due to the damaging information on my credit report. I have also contacted some of the original creditors and the credit bureaus about some of the incorrect information on my credit report and have been told that they either have no idea why its on my creditkarma report or that they have contacted creditkarma to remove certain items and creditkarma either didnt want to or just ignored it. This is damaging to my financial life and is preventing me from getting a fair interest score when applying for crediy
Complaint sub-issue: You told them to stop contacting you, but they keep trying

they keep calling me about a 10 year or older debt that I have repeatedly told them is not mine
Complaint sub-issue: Didn't receive notice of right to dispute

As per my previous complaint placed on this company regarding a XXXX XXXX XXXX XXXX XXXX and XXXX Collection on my credit report I have still never received any correspondence from the this company. They removed and sold the XXXX XXXX to a different company and kept the XXXX on the my credit report. I am reporting the XXXX XXXX XXXX along with XXXX and Attorney General. You do not have the right to no follow guidelines and do your due diligence to investigate accounts once you put it on someone credit report.
Complaint sub-issue: Information belongs to someone else

The account XXXX XXXX is violating my consumer rights to privacy and fairness by having this negative collection accounts on my credit report. I never gave authorization for the credit bureau to put the negative accounts on my credit report. XX/XX/XXXXand EQUIFAX are treating me unfairly and being impartial toward me by maintaining these negative accounts on my credit report. EQUIFAX Credit bureau are in violation of 15 USC 1681 ( 4 ) ( b ) which states : ( 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. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

This account must be deleted immediately because EQUIFAX is violating the law.
Complaint sub-issue: Account status incorrect

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 120 ) plus days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This loan was in deferment. I have attached the confirmation from XXXX XXXX datedXX/XX/2017of this account being in deferment. This false reporting of late is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was reviewing my credit score via CreditKarma, and noticed a hard inquiry from a " XXXX XXXX NV '' I am not familiar with this company, however some searching on XXXX lead me to XXXX reviews, and XXXX reviews showing this company to be a complete scam. 
A person referenced in one review is a " XXXX XXXX '' I am familiar with this individual as he has attempted to lock me into a contract for payment processing with a company called " XXXX ''. I urge the CFPB to look into XXXX XXXX, " XXXX '' and the XXXX XXXX XXXX XXXX in XXXX XXXX South Carolina. 
I have attached some public review based evidence of this companies attempts to scam people.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Improper use on credit report and its dropping my credit I just want it removed it wasnt me at all. Whoever these banks and finance companies are improperly using my credit
Complaint sub-issue: Account status incorrect

I check all 3 credit report companies everyday - sometime as many as 3 times per day. I am very aware of my credit scores. 3 times now my score on Equifax has dropped dramatically for absolutely no reason. I checked everything on the reports. This last week XX/XX/XXXX the equifax dropped 42 points. The only thing that changed was several accounts showed lower credit card balances. I checked all parts of the report, accounts, balances, inquirys, payments, lates, nothing changed at all. It was the exact same report as the past few weeks, only change was the equfax score dropped 42 points. When contacting I was told that its just the way it is and nothing can be done to fix the problem. Also the score has always been within a few points of XXXX XXXX. XXXX XXXX is now 40 points higher. Nothing is different and there is no reason the score should drop and they have no reason it was lowered and will not change it back nor do anything more to help me.
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX of XXXX me and my wife signed up for a debt consolidation agency ( XXXX XXXX XXXX ) to work with our creditors in settling our accounts ( credit card accounts ) we graduated the program in XXXX of XXXX and still to this date most credit cards have negative information on my credit report, some report derogatory, unpaid. I have signed up with XXXX for $ XXXX/month because its the only way to report to them for inaccuracies on the credit report and still in XX/XX/XXXX this has not been solved or taken care of when I have provided all settlement agreements and proof of final payment between myself thru XXXX XXXX XXXX Program and my creditors. This has affected now my family way of living because we need to start looking into projects to fix our house or sign up for a lower interest home loan rate than the one we have. This is not fair that we over the past 3 years have paid thousands of dollars to settle our accounts and in the end it still hurts us financially.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. Personally I feel like I'm being taken advantage of and this simply is not fair. Section 511 ( a ) it clearly states that failure to investigate these items within 30 days gives a reason to immeditately remove these items from my credit report but it has been over 60 days and they still havent replied so they should remove them promptly. I demand these accounts be deleted immediately or I will be forced to take action with the FTC. This has been truly stressful. My information was also impacted by the Equifax data breach and may have somehow gotten into the wrong hands.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 30 days over 60 days over a year now I have not received a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Yet and still Equifax continues to falsely and inaccurately report US DEPT of ED XXXX as " seriously past due date/ assigned to an attorney, collection agency ... " I have provided attached documents showing proof of the requested validation, and signed return receipts showing that these requests have been ignored. I demand that this account be deleted immediately or I will file for litigation due to the stress you have caused. 

Equifax has also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) Which grants 30 days to complete all investigations before the expiration period under section 611 ( a ) ( 1 ). Please note the attached documents, and removethe collection account from my credit or report or I will be forced to seek litigationas a resolution.
Complaint sub-issue: Account status incorrect

XXXX, XXXX and Equifax are reporting late payments on my XXXX account # XXXX. I previously disputed this account in the past and they have failed to validated and provide proof of the following. I would like proof of each late payment, the amount of the fees, and rather the balance adds up correctly for the dates listed below. XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022. If you are unable to verify the items listed above, please remove the late payments in pursuant of 15 USC 1666 Correction Of Billing Errors. Thank You
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have inquiries on all 3 major credit bureaus that I did not authorize over the last 18 months and as I have tried to work with the 3 agencies to remove them, they tell me I have to reach out to the creditor and have them provide documentation to me about the inquiries and how they need to be removed. These creditors have told me that I need to contact the bureaus and have them removed. The 3 bureaus tell me that I need to call the creditors to send me documentation saying that they will remove them or that the bureaus need to remove them. Which is it? Each party say i need to contact the other side! This is XXXX XXXX! I am trying to buy a home in XXXX and these hard inquiries are killing me right now. Please help!! 

XXXX  : 1. XXXX XXXX - Inquiry on XX/XX/XXXX - Not authorized 2. XXXX XXXX XXXX - Inquiry on XX/XX/XXXX - Not Authorized 3. XXXX XXXX XXXX - Inquiry on XX/XX/XXXX - Not Authorized 4. XXXX XXXX XXXX - Inquiry on XX/XX/XXXX - Not Authorized 5. XXXX XXXX XXXX  - Inquiries on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - Not Authorized 6. XXXX XXXX XXXX - Inquiry on XX/XX/XXXX - Not Authorized 7. XXXX XXXX XXXX - Inquiry on XX/XX/XXXX - Not Authorized XXXX : All NOT AUTHORIZED!! 
1. XXXX XXXX - Inquiry date : XX/XX/XXXX 2. XXXX XXXX - Inquiry date : XX/XX/XXXX 3. XXXX XXXX  - Inquiry date : XX/XX/XXXX 4. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 5. XXXX XXXX - Inquiry date : XX/XX/XXXX 6. XXXX XXXX  - Inquiry date : XX/XX/XXXX 7. XXXX  - Inquiry date : XX/XX/XXXX 8. XXXX - Inquiry date : XX/XX/XXXX 9. XXXX XXXX - Inquiry date : XX/XX/XXXX 10. XXXX - Inquiry date : XX/XX/XXXX 11. XXXX - Inquiry date : XX/XX/XXXX 12. XXXX XXXX - Inquiry date : XX/XX/XXXX 13. XXXX - Inquiry date : XX/XX/XXXX 14. XXXX - Inquiry date : XX/XX/XXXX 15. XXXX XXXX - Inquiry date : XX/XX/XXXX 16. XXXX - Inquiry date : XX/XX/XXXX 17. XXXX - Inquiry date : XX/XX/XXXX 18. XXXX XXXX - Inquiry date : XX/XX/XXXX 19. XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX. XXXX - Inquiry date : XX/XX/XXXX 21. XXXX XXXX - Inquiry date : XX/XX/XXXX 22. XXXX - Inquiry date : XX/XX/XXXX Equifax : All Not Authorized 1. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 2. XXXX XXXX XXXX  XXXX - Inquiry date : XX/XX/XXXX 3. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 4. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 5. XXXX - XXXX - Inquiry date : XX/XX/XXXX 6. XXXX XXXX - Inquiry date : XX/XX/XXXX 7. XXXX - Inquiry date : XX/XX/XXXX 8. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 9. XXXX - Inquiry date : XX/XX/XXXX 10. XXXX XXXX - Inquiry date : XX/XX/XXXX 11. XXXX XXXX - Inquiry date : XX/XX/XXXX 12. XXXX XXXX - Inquiry date : XX/XX/XXXX 13. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX Please help me with this. This is ridiculous and no one on either side seems to want to help. Thank you.
Complaint sub-issue: Deposits and withdrawals

My wife and I both have checking accounts with Citibank. Citibank freeze our accounts for no reason. They do n't have office near my home. I call Citibank and sent letter to Citibank center. But they refuse to unfreeze our accounts. We have total {$3200.00} in the 2 accounts. Please help us to get our money back.
Complaint sub-issue: Problem getting my free annual report

Several aspects to report : 1. I asked Equifax for my annual credit report through annual credit report website. Sent copies of my social and lease along. Got a letter from Equifax later, asking my copies again, and MY NAME WAS SPELLED WRONG on the letter. 

2. I sent the copies to Equifax again. Waited for more than two weeks. NO RESPONSE. 

3. I called Equifax, reporting the fact that I have n't received my annual report, and I found the wrong information regarding my name and a collection. XXXX, the agent, told me that their system was down and asked me to call back at XXXX. She promised they 'll be available until XXXX. I called at XXXX, only found out the operation time is XXXX to XXXX. Obviously, SHE LIED. 

I had the most horrible experience with Equifax. I ca n't believe they have the access to my personal and financial information. I hope there 's a way that I could stop dealing with this unprofessional and unethical company.
Complaint sub-issue: Debt was discharged in bankruptcy

Rent Recovery has continued to report this debt as open and owed. This was included in a bankruptcy that was discharged XX/XX/2015. This company refuses to close and stop reporting. The RR rep at one point said it would only be removed if it was paid even though it was discharged!
Complaint sub-issue: Account information incorrect

My account was supposed to be at a XXXX dollar payment until XX/XX/2019 And it was reported 90 days past due in XX/XX/2019 I have contacted this company over 20 times and I have reached out to all levels of superiority with the company and they nor the credit bureaus will update my credit file correctly
Complaint sub-issue: Problem lowering your monthly payments

I have a private student loan with Sallie Mae and they denied me lower repayment plan so that my loans go further into default. I have been calling them for 2 years now pleading with them to please get me into a program to lower my payments so that I will be able to pay EVERY MONTH. Instead of temporary forbearance, disaster forbearance-these are all temporary and will make my balance increase! I have explained that what they are offering is just a " bandaid '', because when forbearance period is over, I'm back in the same position as before except now I owe more! Every month, I get a new account manager that reads me the same script over and over and they only suggest forbearance, I have chose forbearance previously because agents said that was my only choice- because it would give me extra time to figure out how I can pay $ XXXX $ XXXX monthly! When I initially applied with Sallie Mae, they were offering income driven repayment plans, they stopped offering Income Driven somewhere before I graduated college but I did NOT know this.When I graduated, I was shocked to learn that they no longer offered that so I have been struggling to pay them for 2 years now. I'm now 2 days away from charge off because they're in 4 months default and they STILL will NOT allow me a lower repayment plan! I have been complaining to them for so long now saying that I want to pay my loans, I just need lower payments to ensure that I'm able to pay every month with no issues. I expressed to them that this would be the best option because at the minimum, I would be making payments to prevent default. They denied me lower payments so that my loans go further into default! Instead of working with me on this issue, they prefer to call my cosigner, his ex wife, and other members of the family who have nothing to do with this nor do they know about any details regarding my loans! I speak to agents at Sallie Mae several times every week and nothing is ever resolved. It makes no sense to me. As if harassing phone calls will make money suddenly appear! Very shady practices is what I'm dealing with here with SALLIE MAE.

I owe {$160000.00} and graduated from college 2 years ago.

Because college is unreasonably costly, and college is encouraged to advance our careers when we graduate-the only financial aid that is offered are these private loans. I have been proactive since day one and here I am 2 years later WITH NO RESOLUTION EXCEPT DEFAULT. Because this is how Sallie Mae profits, very sad and disheartening for someone who wants to pay off my student loans..
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are 10 unauthorized inquiries on my XXXX, Equifax and XXXX credit reports that I have requested to be removed. 

1. XXXX XXXX 2. XXXX XXXX 3, XXXX XXXX XXXX 4. XXXX XXXXXXXX XXXX 5 . XXXX XXXX XXXX 6XXXX XXXX  XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted credit bureau about 30 days or more late payments on my accounts I was told that the information is correct. 
I contacted XXXX XXXX they have stated that there is no late payments