Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information

XXXX of XXXX, AR is improperly reporting a paid collection account on my credit report. Account number XXXX must be removed immediately and my credit score updated. They are intentionally sending incorrect information ( such as date of first delinquency ) that is wrong. I have disputed this item online, in writing, and with the furnisher of the debt. NO ONE is accurately validating this collection account as the DOFD is prior to the date of service. This is inaccurate reporting and must be removed immediately.
Complaint sub-issue: Banking errors

I have 13 Cd.s with Ally Bank for almost 10 years now. I elected to roll those Cd.s from a maturity date of XX/XX/XXXX to a new 5 year cds with a 3.10 % rate with a maturity date of XXXX. I was told all fees would be waved in order to stretch my maturity and keep the finds with ALLY. I also told them to keep the XXXX in accrued in the cd 's in order to give ma a value in each cd of XXXX. I have been on the phone at least 20 times without satisfactory resolution in this case. They will not allow you to call back to a specific supervisor. The normal reps keep saying it is getting escalated to the highest level and that I will get a call back in 48 hours. I am still waiting for this call for over a month now. 
1 ) they charged all my cd.s a fee which has not been corrected yet even after at least 20 calls and a visit to their offices in downtown XXXX where they said " we dont see customers here ''. 
2 ) They sent out the XXXX dollars in accrued despite my instructions as to what to do with that. 
3 ) All my Cd ; s should be the exact amounts and that has not been corrected 4 ) My accrued interest should be adjusted from my previous rate of.2.4 to the new 3.1 % for almost 3 weeks as it took them " 3 weeks to process things manually '' 5 ) all of my calls have been deflected. I did receive a call back from supervisor XXXX and she said she would get back to me as i emphasized these items again with here. This is one week now and no call back nor do i have a way to reach XXXX via phone or email 6 ) NO bank should be allowed to treat customers with such disdain and devalue my time as each call to the call center has been over 15 minute wait time 7 ) A financial penalty should be imposed upon them for my TIME and Money. PLease have them credit my XXXX in accrued interest to every account. And also penalize them for my wasted time.
Complaint sub-issue: Account status incorrect

XXXXXXXX XXXX isnt my lien holder at XXXX XXXX XXXX XXXX, XXXX.
Complaint sub-issue: Information belongs to someone else

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the 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 XXXXXXXX ; XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$6900.00} ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : -.
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

All 3 Credit Bureaues are reporting that I have 2 Discover Bank accounts and thats inaccurate information, I only have one up to date paid as agreed with no delinquents credit card account. Its also reporting that I opened my Discover account in XXXX and thats inaccurate. I opened the account in XXXX of XXXX.
Complaint sub-issue: Account information incorrect

Both XXXX  and Equifax are refusing to update my credit data which would reduce my DTI to 29 % and increase my Score to XXXX. 

I know this for certain, because XXXX has my data updated and my DTI is 29 % and my score is XXXX. 

Finally CFPB should take a close look at the fact that XXXX  sells subPrime credit cards to people with low scores and has incentive to misreport DTI and resulting scores to keep consumers in the subprime market.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$750.00} XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX -open XXXX XXXX Balance Owed : {$2800.00} Date OpenedXX/XX/XXXX XXXX XXXX Balance Owed : {$6100.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$6300.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$2500.00} Date Opened : XX/XX/XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I contacted LexisNexis back in XXXX and XXXX and XXXX to advise them of the reporting they submitted to all 3 Credit Bureaus concerning public records not given to them by any entity from the U.S Bankruptcy court in Illinois. I was advised by Lexis Nexis that they show no public records for me and that they would advise all 3 credit bureaus of this information it is now XXXX and XXXX  and XXXX are still showing public records listed on my credit report. XXXX has removed but the refusal of XXXX  and XXXX  to remove this information as in their words based on the information they received from Lexis Nexis. On my XXXX  it says open investigation which has been open over 60 days with no resolution and XXXX  refusal to remove the information as well. I ask that Lexis Nexis contact these entities and correct the information they sent over to them.
Complaint sub-issue: Other problem getting your report or credit score

The incompetent credit reporting agency never answered CFPB XXXX. Specifically, I am entitled to a free mailed copy of my report based on : On or about XX/XX/2021 I was denied credit through XXXX XXXX XXXX, an Equifax disclosure report was utilized as per the proof in the inquiries section of the Equifax credit report. Attempted to call XXXX, the credit reporting agency makes it next to impossible to obtain a mailed paper copy of my report. I am XXXX, I do not leave the house, I want a paper copy. I already verified the denial of credit, my home mailing address matches the address of this complaint of : XXXX XXXX XXXX, XXXX, FL, XXXX.
Complaint sub-issue: Debt is not yours

I reached out to the company via mail requesting validation of debt, respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Under federal law, you have thirty ( 30 ) days to complete. It has been more than 30 days and I have not received anything from this company, therefore violating FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

Stated that my XX/XX/XXXX payment was considered late when it wasnt, I made two payments in XX/XX/XXXXwhich would have brought my account current. Incorrect information is being reported to the credit bureaus! I want a full investigation and proof of late payments and I want the correct balance reported.
Complaint sub-issue: Can't decrease my monthly payments

I have a Texas guaranteed student loan-which originated 1st with XXXX XXXX XXXX and has been transferred to Texas guaranteed student loan corp. Im contacting you because unjustified wage garnishment of Temp worker, because the lender is unwilling to accept less money than possible. Also, the amount of loan is in dispute as I believe I only took XXXX loan and because they transferred the loan so many times, they say I owe twice as much in XXXX loans. I requested copies of original loan agreement w signature and they only sent a statement and not original docs. XXXX/XXXX/2016 wage garnishment is supposed to take place. Also, 2 years ago, I submitted for a payment plan and was told {$45.00} was my payment which I agreed to do, provided all information, and then while I was waiting for approval, was told I needed to give address of reference, and I did call to do so. The person who i spoke with didnt submit the information of address, then because of the lender employees fault of not submitting was told I was turned down and had to do everything from the start. 
I have told the lender the situation and they only said now they want {$350.00} now to negotiate. Im a temp worker. I had unemployement for XXXX week this month, and they wont renegotiate to what I first was approved for. {$45.00}. They want me to go through the whole process again although I did everything they asked. 
I want to be a plan of {$45.00} as I agreed long ago and copies of originals. And no wage garnishment.
Complaint sub-issue: Old information reappears or never goes away

Company continues to show delinquent account older than 7 years. I have sent written communication to remove incorrect information with no change. 

XXXX XXXX Bank Account XXXX XXXX Account XXXX XXXX Card Account
Complaint sub-issue: Not given enough info to verify debt

I subscribe to XXXX XXXX XXXX XXXX and received a notice that AR Resources had sent non-payment claims to both XXXX and XXXX. When I called AR Resources to find out what this was about, I was treated with complete disrespect. After making several inquiries, I was finally told that XXXX XXXX XXXX had turned over my account to them. AR Resources refused to provide contact information for their client. They insisted that I would have to " google '' their client in hopes of contacting them. 
When I contacted XXXX XXXX XXXX, they advised that they did not have a mailing address for me and rather than trying to locate it, they simply turned it over to collections. I asked them how I was expected to pay a bill that they never sent. They agreed that it would be impossible to do so.
Complaint sub-issue: Application denied

Previously held a secured card lost wallet and card account enrolled in auto pay unable to stop payments as they restricted online access and prevented me from correcting this resulted in returned payment and they closed my account and whats worse is they blacklisted me for life it appears I have spoken with multiple reps and supervisors that stated I was blacklisted and would likely never be eligible for a discover card in my life which was crazy because they have seen things people did intentionally or people not pay at all and not even have this happen. 

I was advised they submitted a request to reopen the account immediately and remove any such hold on my account as it should not be present neither happened and they blacklisted me for something that had nothing to do with me
Complaint sub-issue: Their investigation did not fix an error on your report

This is 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 Equifax Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account terms

XXXX inserted collection on my credit bureau. Per letter sent to me by creditor a verification of debt was requested promptly on XX/XX/XXXX ( attached ). A letter to all XXXX credit bureaus was sent on XX/XX/XXXX. No response from XXXX has been received as of XX/XX/XXXX. A call to creditor on XX/XX/XXXX acknowledges receipt of letter dated XX/XX/XXXX for verification. They also acknowledge they can not verify accuracy of debt or date of XXXX delinquency. Per my records, this account was paid in full to the original creditor and the account was closed prior to XX/XX/XXXX. Per the Fair Debt Reporting Act, any debt reporting needs to be accurately reported and a verification of debt is required if requested by consumer. Furthermore, any debt with XXXX date of XXXX delinquency over XXXX yrs from the original debtor can not be reported to the CRA 's.
Complaint sub-issue: Personal information incorrect

Multiple addresses that are incorrect are reporting on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Reporting company used your report improperly

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I'm deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting Act : Account Name : XXXX XXXX XXXX, Account Number : XXXX ( XXXX XXXX ) has violated my rights ; Section 602 ( a ) /15 USC 1681 states that I have a right to privacy.

Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Account information incorrect

A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year.

These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account number : XXXX   and XXXX Collector : XXXX XXXX Original XXXX XXXX Status : Unpaid Balance Amount : {$320.00} and {$420.00}
Complaint sub-issue: Debt resulted from identity theft

I am a victim of identity theft and noticed a collection from AFNI. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AFNI in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Complaint sub-issue: Trouble with how payments are being handled

My complaint is how my PSLF has been handled throughout the XXXX to MOHELA transfer. I have submitted my PSLF forms to XXXX on XX/XX/XXXX. My payments stayed at 100/120 for the entire time even though I have uncounted employment eligibility from XXXX which should count towards my 120 payments. MOHELA is showing the same amount of payments. I called MOHELA and they state they are behind, but I have waited for them to count the XXXX payments since XX/XX/XXXX. Every time I call, they say that it's been escalated and that I should be well over the 120 payments. Please help!
Complaint sub-issue: Can't decrease my monthly payments

I have previously filed complaints on this issue but the lender refuses to respond. My student loans are serviced through American education services ( AES ) but my actual lender is National Collegiate Trust ( NCT ) and they have no phone number available to the public and only a mailing address and they refuse to respond to correspondence. I am in need of a lower payment and i have begged this people at AES to assist me with my account both totaling to over XXXX $ per month and i still have other loans i pay with other companies like XXXX. My issue is with NCT who wont communicate or work with me. i am now delinquent because my payments keep increasing and i cant keep up. i would like to pay but can not due to the outrageous amount. I asked NCT to provide proof i owe them and they supplied me with a loan promissory note from a girl with a totally different name than mine, they sent me all her personal information so i can only assume they are giving my information out as well. The biggest issue is this companies buys debt and then you are unable to get in touch with the company and just told to pay whatever they say. can you help me get proof that they ( NCT ) even own my loan and if so get them to make my payment more reasonable because i cant afford this at all.
Complaint sub-issue: Debt is not yours

I rented an apartment from a company called XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. When the year was up I decided to move on and was in communication with management on the issues I was having and complaints I had made which was due to my vehicles being broken into and other complaint on which I can provide videos, photos and other evidence to prove my complaints and issues. This was supposed to be a gated community and gates only work 2 months while I was there. They also had a maintenance person that was arrested for theft and breaking into vehicle that lived on site. So I really had no choice but to move. In my process of moving they were having management and staff changes and I had made several attempts to turn my keys in. During the month of XXXX. I also made several calls that I have records of to one of the new managers that was going to receive my keys which was not in on these days that we agreed on. I was never late on my rent. and they kept my security deposit for no reason. Which the manager couldn't keep her appointments or meet with me at times that she agreed. It has almost been a year now sense I moved out and now they state that I owe them {$1200.00} Which I have no clue or idea where that's coming from. Someone has obviously made some kind of mistake.This company infact owes me my security deposit of {$1200.00} Which I would like to retrieve. Since the Covid-19 and me living over an hour away Its been very difficult for to try and take to court. XX/XX/XXXX. Hunter Warfield put a collection on my credit report. Which I would like proof and records showing that I owe this  amount. I purchased a home in XX/XX/XXXX. The same month on my lease ended. Which they were aware of as well. I had moved out that same month which I have proof of. So that couldn't be possible. This was all based on XXXX XXXX XXXX negligence and failing to meet me to turn in the key because no one was ever in the office. I would like this collection remove from my credit report immediately because its inaccurate information and I do not owe anything to this company. Infact, they owe me a security deposit which I can provide proof of. What ever information Hunter Warfield has is incorrect and I would like a copy all records and my leasing agreement my departure time  and all other pertinent information as well. So I can turn it over to my attorney.
Complaint sub-issue: No notice of investigation status/result

I disputed several unauthorized inquiries being reported on my Equifax credit report on XXXX XXXX 2015. The response received from Equifax on the very same day XXXX, XXXX 2015 was " Inquiries are a factual record of file access ''. No investigation with the source was even attempted regarding the unauthorized inquires. 

Equifax must reinvestigate ANY dispute under XXXX ( a ) ( XXXX ) ( A ) : XXXX. Procedure in case of disputed accuracy [ XXXX U.S.C. XXXXi ] ( a ) Reinvestigations of Disputed Information ( XXXX ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Complaint sub-issue: Threatened or suggested your credit would be damaged

This old account is my ex husband 's account, not mine. AND it has been paid. The person who took the payment from him said they would remove from all reports. Neve happened. No matter, not my account.
Complaint sub-issue: Reporting company used your report improperly

This company ran unauthorized credit inquiry on my credit report. This is suspicious to me and so kindly delete asap:XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

The following accounts have violated my rights. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which ante cedes the report by more than seven years.

15 USC 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.