Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX {$2600.00} XXXX XXXX {$120.00}
Complaint sub-issue: Account information incorrect

Attached you will find a list of items that I did not consent to. So that would be Idenity Theft, I did not give no one Permission to furnish anything on my Consumer report. And the following Credit Reporting Agencies are also Violating my Right to Privacy, XXXX, EQUIFAX and XXXX.
Complaint sub-issue: Debt resulted from identity theft

I worked in XXXX from XX/XX/XXXX until XX/XX/XXXX. Someone accessed my personal information and used XXXX XXXX. 
Now Jefferson Capital Systems is claiming an account opening on XX/XX/XXXX which is a complete fabrication. My signature is on no document authorizing this service. I did not require a cell phone in XXXX while I was XXXX.
Complaint sub-issue: Company closed your account

XXXX XXXX XXXX I am writing to lodge a complaint against US Bank regarding the holding of funds and or claims against a Trust Account at the bank. The Trust account was not involved in any actions by the personal accounts of the person named on the Trust account. This person did not have access to the trust account in any manner or the account use this persons social security number. The Trust account has its own EIN number. I am the Trustee for this account and have sole access to funds. From XX/XX/XXXX XX/XX/2022, I did not have access to the funds. US Bank needs to held accountable.
Complaint sub-issue: Their investigation did not fix an error on your report

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX there is some inaccurate information reporting. 
XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXD Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Problem with customer service

This is a long story, but here it goes. When I first received a call from fed loan servicing the gentleman that called ( XXXX XXXX ) got me set up on what he referred to as the 25 year plan. What he explained was that as long as I made my payments for 25 years straight my debt would be forgiven. He set me up with a lower payment based on my income, family size, wifes incomes, wifes student loans. About 3 months in fed loan contacted me and said my payment was going to triple because the poverty level went up and I received a raise at work. What? Triple?! That seems excessive since my raise was a 6 % raise but payment will go up 300 % ... Then when I tried to contact XXXX XXXX of course he no longer works there. Fast forward three years and theyve double my payment every years since inception. Now its to the point I can not afford it. When I ask if I can see the numbers theyre using with the formula theyre using they say they can not share that information with me. I recertified in XX/XX/XXXX. Im starting the process for my next years recertification and again theyre saying its going to double. Neither mine or my wifes income has changed in two years!!! Again when I ask to see the numbers to justify this increase they claim they can not share that info. They wont even mail it to me! Pearly the whole company is very unethical. When I asked what I can do if I cant afford the payments they say tough deal with. Like that magically gives me more money to pay them. Something has to be done about this business. Can someone please help me recover the actual numbers the used with the formula to determine my payment, because something is not right here ...
Complaint sub-issue: Account status

There is a student loan with XXXX XXXX XXXX on my Equifax Credit Report which states the status is " wage earner plan. '' That is incorrect ; my Chapter XXXX was converted to a Chapter XXXX and was dismissed in XX/XX/XXXX. Since student loans ca n't be discharged in bankruptcy, this loan was subsequently paid as agreed. The attached credit report from Equifax says the date of my XXXX delinquency was XX/XX/XXXX. That is incorrect. That is the date I filed my Chapter XXXX, which was subsequently converted to a Chapter XXXX, and thereafter it was paid as agreed. I have also included a copy of my XXXX Credit Report as proof that this loan was not delinquent. The bankruptcy status on the Equifax Report is throwing my account into a negative status. If the account is being paid as agreed it should not be in a negative status. They ca n't have it both ways - either I 'm in a positive status or a negative status. The bankruptcy notation should not be on this item as it was not discharged through bankruptcy and it was paid as agreed.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX T 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 us 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 n 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 XXXX XXXX  now.with no help.
Complaint sub-issue: Didn't receive enough information to verify debt

I never received any paperwork that gave me any information to properly dispute or accept this said account within 30 days. This account is also reporting very inaccurately on all three of my credit reports. Each XXXX are listing something different. I sent a debt validation on XX/XX/2020 to XXXX and haven't received any paperwork to prove that this account is accurate and belongs to me. I also submitted a dispute to XXXX on XX/XX/2020 to see if they could verify and maybe help me resolve this. On XX/XX/2020XXXX XXXX  results were " updated ' and the report number is XXXX. How are you able to validate with the credit company but not with the accused account holder?? This account is not only hindering me from purchasing a home, but it is also hindering me from other opportunities and is a violation of my rights. As I was browsing through their website to find out a little more about the company, I noticed the only license listed on their page is from XXXX XXXX ONLY.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Your company illegally pulled my credit within the past 2 years. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Complaint sub-issue: Having problems with customer service

My issues with Sallie Mae are two-fold. The first is that I defaulted and they harassed me constantly, calling up to 10 times per day from multiple numbers. They also called my family members multiple times trying to reach me, using contacts I never provided them. Some of the calls are actual people, some are robo-dialed. 

My second issue is regarding their customer service. There is NO WAY to contact these people via chat or email. I assume this is so it 's harder for you to keep a record of communication, making it easier for them to continue shady business practices. As someone with very XXXX that has a lot of issues with telephone communication, it 's basically impossible for me to deal with them. I even completed their customer service form stating this and guess what? They called me anyway. I do n't think they even read them.
Complaint sub-issue: Can't temporarily delay making payments

My son took out a Sallie Mae student loan. He listed me as the " closest relative ''. Apparently he is behind on the payment - he says he has talked to them, I do n't know if it 's true but I am not responsible for his debt and do not want to receive calls regarding his debt. They continually call me almost every day, even though I am not a co-signer and have asked no less than 15 times not to be called anymore. XXXX ID # XXXX at XXXX ext XXXX has called me 3 times in the last week alone, despite being told every time not to call me any more. What can be done about this?
Complaint sub-issue: Information belongs to someone else

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my Driving Licenses and Social Security Card for your reference. All other addresses are not accurate. Please  REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Complaint sub-issue: Debt is not yours

Through numerous requests, I've followed the guidelines of the FCRA in requesting that Equifax fulfill their mission statement and report accounts with integrity. Equifax have failed to provide me with ANY documentation or physical proof of their methods of verification, even though I've requested them with numerous certified dispute letters. All of these letters were FCRA 609 ( a ) ( 1 ) ( A ) based, which means they were obligated to provide me with a tangible original signed consumer contract with my signature on it, showing that they've effectively investigated every account I've disputed. 

In addition, neither Equfax, the collection agency " XXXX XXXX '', or the original creditor " XXXX XXXX XXXX XXXX XXXX '' have responded since XX/XX/2015 with ANY documentation. When creditors and collection agencies don't respond to a FCRA 623 letter, I have no choice but to direct my dispute with the bureau. I'm NOT claiming identity theft, instead, I am demanding that this account be removed as it does not belong to me and I have no knowledge of it's origin! 

I have sent my non-response letters, therefore how are you verifying something that I absolutely can not get verified? The original creditor is not XXXX  accredited, they do not answer their phone, they have no website or email address, and XXXX says it's an entity of two employers, their company isn't even registered with the CFPB. Who are these people?! Nobody knows! And ultimately, I no longer care. What I do know is that Equifax have NOT verified this information and they need to be removed from my credit report.
Complaint sub-issue: Debt was result of identity theft

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The AMERICOLLECT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) with Account Number XXXX and a Balance of {$68.00} was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The 3 Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

On this day of XX/XX/19 i learned that my credit had been pulled 3x for auto loan, XXXX  XXXX, XXXX, & XXXX XXXX. They're not reflected on all my reports. i simply want the accounts & or inquiries off of my report.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX I hit a deer on my way to work which cause severe damage to my vehicle which is a XX/XX/XXXX XXXX XXXX. My fianc and I Insurance company XXXX said the damage was severe and the vehicle was a total loss. The vehicle was fianace with GL Fianacial in XXXX Georgia for 26 months I purchased the vehicle on XX/XX/XXXX. I had only 7 months left on the contract. Due to the vehicle been total my balance would decrease due to been paid out 7 months earlier due to the vehicle been a total loss. XXXX issued a check to GL Financal for {$5200.00} on XX/XX/XXXX. Once the payment was sent I contacted GL Financial and spoke with Several managers two names I remember was a XXXX XXXX and XXXX and I spoke to XXXX XXXX supervisor about my account. I ask for documents on my account. I ask for to show if I owe any money after the payment the insurance company payment. XXXX and XXXX refused to give and documents and wanted me to just take there word. I explained to them it doesnt work like that. I needed proof. Unfortunately they still didnt provide me with any information. Back In XX/XX/XXXX of this year I pulled my credit file and I noticed GL was reporting I owe them XXXX. I contacted GL Fianacal Via telephone and spoke with XXXX XXXX XXXX about the incorrect information I was informed that it shouldnt be that amount and could I provide them a company of my credit report. I was instru to fax it or email it to them and they would take a look at it. I did as I was and I fax the credit report to them. I never heard back. I disputed the incorrect information with XXXX. Once I dispute the incorrect information with the credit bureaus I received a alert stated some information was updated on my credit report. The update was from GL Financial they had change the balance and the status of the account. I called GL Financial and never received a call back about error that was now been reported. I check my credit once again in XX/XX/XXXX of this year and noticed they amount was changed to a {$140.00} on one Credit report and {$340.00} on another credit and the account went from pay as agreed to charge off which is incorrect. How can the account be charged off if it was paid off by the insurance company and if there was a balance I was never notified. I never received one noticed from this company everything was word of mouth. By law the company is responsible for reporting accuracy information .GL Fianical is violating [ 15U.S.C. 1681s-2 ] ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. G.L Financial is reporting inaccurate information which is damaging my credit and reputation. Please Help me.
Complaint sub-issue: Account status incorrect

In XXXX of 2016, I did open a XXXX XXXX account. The account had an outstanding balance as if defaulted due to life circumstances. I negotiated a pay to delete with the creditor and it is still reporting negatively on my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inquiries tHat should be off the report
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

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


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

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

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

I am aware of a breach of information in your system in the past and Im uncomfortable with providing this information, but XXXX is holding my information under hostage, preventing me from getting approval for a of line of credit, impacting my credit score and now Discover closing my account due to XXXX  neglect. 
Attached is a copy of my Drivers License and Social Security Card, as  requested. I need access to my XXXX  account and I need XXXX  to provide the requested information that Discover asked for so that maybe they will reconsider re-opening my account. 


Thanks
Complaint sub-issue: Account status incorrect

My 3 credit reports are showing I have an account with the Dept of Education. I went to college 1 time years ago and my loans were forgiven because i became XXXX. This should not be on my credit reports