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

XX/XX/XXXX Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX : CREDIT COMPLAINT LETTER To Whom It May Concern : I received a copy of my credit report and am disputing information concerning my payment history. Accordingly, I am requesting that you investigate my dispute and add the attached history ofpayments to my credit file under the Fair Credit Reporting Act, 611 ( a ) [ 15 USC 1681i ( a ) ]. Please check the following accounts again accuracy. These accounts were removed from my credit report on the following months. XXXX XXXX removed from XX/XX/XXXX ( 30 day late removed ) dated on XX/XX/XXXX, XX/XX/XXXX ( no longer reported as 30 day late ), and XX/XX/XXXX ( Charge off removed ) credit reports. XXXX XXXX XXXX removed XX/XX/XXXX ( Charged Off Removed ) dated on XX/XX/XXXX and XX/XX/XXXX ( Charge off removed ) credit reports. XXXX XXXX XXXX XXXX ( XXXX ) removed XX/XX/XXXX dated ( Charge Off Removed ) on XX/XX/XXXX. Because the inaccuracies were not corrected, I could not get a mortgage loan and a car loan for my daughter. Not only that but your agency has taken away so much time and stress that was unnecessary. I have spent hours, days and years sending in documents and you fail to clean up my credit file. After explaining why and how the items were removed, one of credit bureau associates refused to dispute/delete the inaccuracies ( XX/XX/XXXX ). I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. Additionally, if you contact any entity ( person or company ) in order to make the necessary updates, please provide the names, business address and telephone numbers so that I may follow up directly if needed. I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. Thank you for your assistance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SC XXXX Social Security # XXXX
Complaint sub-issue: Information belongs to someone else

I have incorrect information on my credit file as a result of identity theft:HARD INQUIRIES:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX(XXXX) XXXX-XXXX Requested On: Inquiry Type: XX/XX/XXXX, XX/XX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX (XXXX) XXXX-XXXX Requested On: XX/XX/XXXX Inquiry Type: Individual XXXX XXXX XXXX XXXX XXXX, FL XXXX (XXXX) XXXX-XXXX Requested On: Inquiry Type: XX/XX/XXXX Individual XXXXCOLLECTIONS:XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX  (XXXX) XXXX-XXXX #XXXX** Placed for collection: Responsibility: Account Type: Loan Type: XX/XX/XXXX Balance:Date Updated: Original Amount: Original Creditor: Past Due: $XXXX Pay Status:XX/XX/XXXX$XXXXXXXX-XXXX XXXX XXXX XXXX (Medical/Health Care) >$XXXX< >In Collection< Individual Account Open Account COLLECTION AGENCY/ATTORNEY Remarks: >PLACED FOR COLLECTION<Estimated month and year that this item will be removed: XX/XX/XXXX -----------------------------------------------------------------------------------------------------------------------XXXXHARD INQUIRIES:XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX (XXXX) XXXX-XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX (XXXX) XXXX-XXXX COLLECTIONS:XXXX XXXX Potentially Negative Account Name XXXX XXXX Balance $XXXX Account Number XXXX Balance Updated XX/XX/XXXX Account Type Collection Responsibility IndividualRecent Payment Monthly Payment Original Balance Highest Balance TermsOn Record Until$XXXX$XXXX $XXXX $XXXX 1 Months XX/XX/XXXXXXXX XXXX XXXX XXXX Collection Responsibility Individual Balance $XXXX Account Name Account Number Account Type Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until XX/XX/XXXX $XXXX  $XXXX  $XXXX $XXXX 1 Months XX/XX/XXXX Date Opened Status Status Updated Payment History XX/XX/XXXX Collection account. $XXXX past due as of XX/XX/XXXX.  XX/XX/XXXX -----------------------------------------------------------------------------------------------------------------------XXXXHARD INQUIRIES:XXXX-XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX-XXXX-XXXX-XXXXXXXX XXXX-XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX-XXXX-XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX-XXXX-XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX-XXXX-XXXX-XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX COLLECTIONS:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX $XXXX $XXXX  XX/XX/XXXX UNPAID Balance DateAccount Designator Code Account Number Creditor Classification Last Payment DateDate of First Delinquency Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX-XXXX-XXXX-XXXX XX/XX/XXXX INDIVIDUAL_ACCOUNT XXXX XXXX Medical or Health Care XX/XX/XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

I just noticed in an email from XXXX XXXX that there's this collection on my credit report. I would like this to be removed from all 3 agency. I have never signed nor have i applied from a XXXX XXXX XXXX credit card. XXXX XXXX XXXX XXXX XXXX when this card was open, I have proof. Which i will be attaching a police report. I couldn't XXXX  or XXXX or XXXX  nor hold a pen in my hand. I didn't sign nothing or provided my information to be used by no one while XXXX XXXX XXXX XXXX XXXX. I had to have help XXXX  myself. I would like this remove from my credit report. I have never heard of XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also had other credit cards as well student loan for over {$80000.00} and XXXX card and Bank account in my name that's has been removed after receiving the police report as well my doctor hospital papers. Please Remove from my reports Thanks as Well I attached hospital paperwork in XXXX file. I XXXX XX/XX/2020, and I shouldn't have to go through this process on the count of Fraudulent cards and student loans open up in my name. It still feels like I'm in the XXXX dealing with these companies of removing fraudulent things.
Complaint sub-issue: Problem with customer service

In XX/XX/2017, I initiated automatic payments over the phone with a XXXX XXXX representative, XXXX XXXX. I provided my bank account information over the phone to set up the automatic payments. The customer service agent took down and processed the incorrect bank account number when setting up the auto payment. When the payment did not withdraw from my bank account, I contacted XXXX at XXXX XXXX and he clarified that this was an error on his end. He assured me that it would be resolved and it was nothing to be concerned about and it would not be marked as a late payment or a derogatory mark on my payment history and credit. However, it was never corrected. I have made countless calls to XXXX XXXX over the last year and a half and was told by various representative and supervisors that these events never happened, and that I gave the wrong numbers, even though their representative explained to me that it was he who made the clerical error. They will not allow me to speak with XXXX, the account manager who initially worked with me to set up the payments and who made a human error in recording my account information. They told me there is a recording available of our phone conversation which they reviewed, but they will not allow me to hear it nor provide me with any additional documents or recordings to support their claim that it was I who made the mistake. Due to nothing more than an error of a XXXX XXXX representative, the payment was not received and considered late and is still showing as a derogatory mark on my credit, and the only late payment.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS 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 Balance {$10000.00} ; XXXX XXXX XXXX XXXXBalance {$600.00} ; XXXX XXXX XXXX XXXX Balance {$750.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXXBalance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Personal information incorrect

I am writing to update/correct my personal information on file with your company
Complaint sub-issue: Old information reappears or never goes away

O n  XX/XX/XXXX , I wrote to Equif ax to let them know that a lien going back to  2001 still re mains on my credit report. I also let them know that  XXXX  and  XXXX  had already removed this lien which was showing beyond the maximum period of 7 years.   Equifax never responded to my dispute and the lien continues to show on my credit re port four mont hs later.
Complaint sub-issue: Account status

I 've disputed the information with XXXX, Equifax, and XXXX about duplicates listed on my negative account regarding student loans. XXXX loan is listing for only XXXX $ but is clearly a part of the loan with the same account number and open dates. There are other student loans from Dept of Education/XXXX with the same everything thus, listing that I have XXXX negative accounts when there should only be XXXX. This is really hurting my credit score and I ca n't get the Dept of Education ( since the loans are no longer with them ) nor the credit bureaus to correct this information.
Complaint sub-issue: Account information incorrect

XX/XX/XXXX I financed a new vehicle through XXXX XXXX who is owned and operated by XXXX. The payments on the loan are so high almost unpayable I have defaulted. The current class action lawsuit against XXXX has officially been settled. Because I have defaulted on my loan as of XX/XX/XXXX I qualify for relief. I have also filed a complaint with my states attorney general in regards to the settlement. I originally requested relief in XX/XX/XXXX but didnt receive.
Complaint sub-issue: Need information about your loan balance or loan terms

I dnt want private aid
Complaint sub-issue: Can't decrease my monthly payments

This is the second complaint I have filed. I have been in contact with PNC about repayment of a private loan. I spoke with them explaining I would not be able to pay the monthly payments because they are too high. 
In XXXX I broke my heels and became XXXX and unable to work. I have told them this and asked for a loan modification but was denied. I have been speaking with them since XXXX about this issue. My first payment was XXXX/XXXX/17, it was {$730.00}. It is now XXXX/XXXX/17 and I am expected to pay not only this month 's payment but last month 's payment as well. I simply can not afford it. All I have asked was for an affordable monthly payment, but PNC has said there is nothing they can do. I want to pay but I am just unable to afford the payments.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX  Account # 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
Complaint sub-issue: Information belongs to someone else

I am submitting this compliant on my own. There is no third party involved with this complaint. I have sent numerous letters to Equifax, and XXXX informing them that I am a victim of identity theft. Someone opened an auto loan under my SSN. They also This item in my credit file are from unauthorized use of my social security number and card. I did not authorize this accounts to be taken out in my name nor they relate to anything i did. Im unaware of any of this. I'm asking Equifax, and XXXX to Please have this information removed from my consumer report under 15 U.S.C. 1681c-2.
Complaint sub-issue: Threatened arrest/jail if do not pay

Threatened to sue me as well and filed motion in court. Opened credit card XX/XX/2007. Immediate annual fee of {$150.00}. Spent only {$170.00} total during 3 month period. Never purchased again after XX/XX/2007. Made payments totaling {$2000.00} and they 're claiming I owe more.
Complaint sub-issue: Information belongs to someone else

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Regardless, the requests I have sent out were consciously neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate deletion of the unauthorized inquiries listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Good Afternoon, Below are disputed claims that are still showing on my report. I have no knowledge of these accounts. 

XXXX XXXX {$1600.00} opened XX/XX/XXXX XXXX -- {$4900.00} opened XX/XX/XXXX XXXX- {$9700.00} opened XX/XX/XXXX XXXX XXXX - {$6600.00} opened XX/XX/XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX us dept of ed {$9500.00} XX/XX/XXXX XXXX XXXX XXXX- XXXX XX/XX/XXXX
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. I sent letters to XXXX Credit Bureau from XX/XX/XXXX to the present, and I have not received any response up to this date. On the other hand, the inaccuracies about my Inquiry are continuously reported on my XXXX Credit Report. That means XXXX failed to comply with the Fair Credit Reporting Act law which states that the Bureau should provide to the client 's requests. Here is the concerned account : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have informed you on my recent dispute the following items are very inaccurate, incorrect and negatively affecting my credit rating plus it goes against the Fair Credit Reporting Act :
Complaint sub-issue: Banking errors

On XX/XX/XXXX a Sunday XXXX I went to Citibank ATM to deposit money into my checking account like I've normally done before I deposited {$1900.00} when inserting the money the machine that XXXX trying to pull the money out didn't allow me to the money just got locked in the machine and the machine shut down and released my card after : Citibank I received a provisional credit After the investigation I received {$520.00} back on XXXX XXXX what happened to the other {$1400.00} that's the mystery nobody knows nobody has an answer for me I am not stopping here this is absolutely insanity Citi Bank is stealing my money and it's illegal I will go all the way to the top I am about to go to the police and file police report for Citi Bank stealing my money if they have antiquated systems for Citi Bank they need to update their ATM that's not my fault I have a Lotta money in those accounts please let me know if you need to see the account summaries
Complaint sub-issue: Account status incorrect

I have disputed my the reported information regarding my account multiple times. All Student loans, those in collection and not, were put on a federal administrative forbearance during the covid-19 pandemic of XXXX. This was also extended multiple times. These account was paid off during the time it was in administrative forbearance in XXXX of XXXX. The accounts are still reporting as collections and the reporting agency is reporting my account as a collection as of XX/XX/XXXXXXXX  when this account was paid off and closed XX/XX/XXXX XXXX.
Complaint sub-issue: Public record information inaccurate

XXXX AND Equifax are both reporting completely different filing dates, closing dates and court names for XXXX XXXX bankruptcy on my credit report. I have called to both of these companies to report this issue, but it has not been successful. They told me that the information was accurate and the information came from the courts, which I know my rights and know thats a lie. The courts DO NOT report or confirm these public records with the credit bureaus. I have asked for this public record to be removed from both bureaus due to the inaccuracies, but it has not yet been removed. These are inaccurate, in addition to, damaging my credit score further. These are the inaccuracies as follows : Filing date : XXXX XX/XX/XXXX Equifax- XX/XX/XXXX Closing date XXXX XXXX XX/XX/XXXX Equifax- Court name XXXX XXXX- US BKPT CT XXXX XXXX Equifax- FEDERAL 15 usc 1681n Civil liability for willful noncompliance ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 
I would love to see this issue resolved immediately please and thank you so very much.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing accounts on my consumer credit reports every thirty days since XX/XX/2018. I have requested verification and each time they respond verified ; I have requested method of verification and each time they respond with verified ; I contacted each account, and each business has responded by stating their records do not indicate any dispute and/or investigation from any credit bureau has ever taken place ; ignoring and/or overlooking each of my requests and unable and/or unwilling to comply with consumer rights and Federal Law.
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  OH XXXX SS XXXX XXXX XXXX I need the following addresses removed deleted from my report. I have been compromised on my ID and personal information. I have to file a police report and FTC report. Please remove delete : XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of identiy theft, could you please remove the below inquiries as well as the inquires attached to my identity theft report? 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX, personal XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX  XXXXXXXX XXXX XXXX XXXX personal XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX, Used XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, I would like the below address deleted from my credit report as they are not deliverable to me by U.S. post office and they are not reportable as per the FCRA, since the addresses is incorrect. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX
Complaint sub-issue: Account status incorrect

My student loans that have been closed for several years are suddenly reporting as new late payment damage on Equifax. This is unacceptable and the accounts must be removed!
Complaint sub-issue: Account status incorrect

I have an auto loan with XXXX XXXX XXXX XXXX XXXX. My XX/XX/XXXX payment is showing as 30+ days past due and is negatively impacting all 3 credit bureaus. I've had loans deny and my credit card limits are being decreased because they randomly " soft pull my credit score ''. I've disputed the transactions numerous of times and directly talked to XXXX XXXX XXXX. XXXX XXXX is informing me that they are notifying all credit bureaus that my XX/XX/XXXX payment is current and was not 30 days past due. However, when I talked to all 3 credit reporting agencies, they tell me when the send the dispute for XX/XX/XXXX, XXXX XXXX is saying I was 30+ days late and they will not update my credit report. I have worked extremely hard to repair my credit and I feel I'm being treated unfairly. I don't know who's marking the XX/XX/XXXX  payment as late but I'm sending my receipts as proof. Each time the submission was sent to the credit bureaus, I included a copy of my receipt but they told me they can't take my word and can only rely on what the lender is sending. 

I even told XXXX XXXX that credit bureau is saying they are marking XX/XX/XXXX was current but when the send the tape, it's showing late for XX/XX/XXXX.
Complaint sub-issue: Debt is not mine

i gave a vehicle away signed a bill of sale and turned in a release of liability to the XXXX XXXX plus years after i have a report on my trw that i have a XXXX dollar debt for the vehicle after it was impounded.i contacted the reporting persons and was told that because the other party had not followed through i was responsible even though the calif XXXX couldnt find a record of me owning the vehicle.i tried working with this company providing all the info i could for them even though the dmv wasnt able to find my name attached to this vehicle and refused to investagate anything
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Complaint sub-issue: Information belongs to someone else

I have been attempting to fix my problem with Equifax for over two years. I am a victim of the Equifax data breach. They are reporting information that does not belong to me causing extreme distress and mental illness. I have attempted in numerous occasions to call and write with not results. 
I have filed an Identity theft report attached I have placed a claim for Equifax Data breach I have listed again, the account 's that do not belong to me. 
As well as asking for bankruptcy 's to be removed as this is in direct violation of 15 USC 1681 ( 4 ) - Consumers right to privacy