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

XXXX is reporting an account that was included in a BK as collections and charge off. They stated that account was opened in 2011 and closed the following month. They show the balance as {$770.00} with a {$12.00} a month payment. I have contacted them with no answer and I have disputed it with the reporting agancies and XXXX will not remove it.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX  XXXX reported that I have a balance to the credit company in XX/XX/2019 and I had a XXXX balance. It made my credit score drop from XXXX to XXXX. I have contacted them to update my information correctly, but a letter was sent to me stating it updated. But its not updated. My Equifax report for my XXXX creditcard ending in XXXX is currently showing no payment status on file.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX - partial account number XXXX. ( Please see page 6 and 7 of the  attached credit report. ) This account needs to be coded as an M1. It is showing that I am 30 days past due. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Their investigation did not fix an error on your report

I was notified by this company that a credit card was opened in my name, and was being mailed to a different address. I asked them to stop the card and close the account, because that was done fraudulent. I also asked that the inquiry be removed from my account. I was told that it could not be. Which is wrong accounting to the credit laws on fraud. I mailed them a letter that was returned. ( Photo enclosed ) I am requesting that this company remove the inquiry asap from my credit report, and send me a letter stating that everything was closed and removed.
Complaint sub-issue: Debt is not yours

Please be advised this is my SECOND WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. This company has ignored my request to provide me with the documents that they have in their files that they used to validate the disputed account which means that they have NOT validated or can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly REMOVE information which can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint as well as copies of the previously written letter sent to you by certified mail with proof of delivery will also become part of a formal complaint to the XXXX XXXX XXXX. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. I do not have a signed contract nor any contract with ENHANCED RECOVERY COLLECTION I have never done business with this company. I am not liable for collection from this debt from ENHANCED RECOVERY COLLECTION. I am not responsible for this debt with ENHANCED RECOVERY COLLECTION. Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.
Complaint sub-issue: Attempted to collect wrong amount

On XXXX XXXX, XXXX I received a email that XXXX XXXX was the collection Company that received the case from mypaydayloans.com. For a total of {$770.00}. I agreed for a settlement of {$510.00}. to be paid in four payments as follows ; XXXX/XXXX/XXXX {$75.00} XXXX {$140.00} XXXX {$140.00} XXXX {$140.00} For a total of {$510.00} After I received this email I was told by Agent XXXX XXXX that a processing fee of {$10.00} will be added for each payment. I explained that the Settlement Letter did not include any processing fees. I also told XXXX XXXX that I was suspicious that the Settlement agreement was not signed by anyone or himself. I told him I will not honor any document without a Company official member signature. After calling the office several times to speak with XXXX. He finally send me a email dated XXXX XXXX with the Company Lawyer Signature on one page and his name on the second page XXXX XXXX. On XXXX XXXX I sent an email indicating I only put {$75.00} payment as agreed for XXXX XXXX that same day about XXXX XXXX est XXXX called my brother and harass him about my {$85.00} payment that was declined from my account After being threaten by Company Lawyer XXXX XXXX and XXXX they accepted and made a withdrawal of {$75.00}.  I requested a copy of my new balance with should be {$430.00} that was not send to me via email. If I do not reveive my new balance of {$430.00}, I think this is a fraudulent transaction made by XXXX XXXX XXXX also requested that they contact me via US Postal Services , no more email correspondence. They both was rude and scandalous and scammers. And threatening me with a court prodeeding, I need this company to be investigated for using bully tactics and disrespecting their clients, and not being honest about the selltement agreements by adding so call processing fees after sending the selltement agreement, and stil not sending a new selltement agreement with the fees.
Complaint sub-issue: Information belongs to someone else

This is the several times I've complained about being a victim of identity theft. You must remove/block any information that were 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 is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On this date I found a Hard Inquiry that was made in my name for a credit card. The date was XX/XX/2022. I notified the credit card company and informed them that I did not request this credit card. They immediately closed the account.
Complaint sub-issue: Information belongs to someone else

I am writing you about an entry listed on my credit report which I have tried to have removed. Apparently, someone with a similar name to mine filed bankruptcy in the Federal District of North Carolina, and it appeared on my credit report. Through our dispute system I recently filed a dispute stating that someone with a similar name had filed this public record and it was not mine. Unfortunately, it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureaus any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately or I will start charging XXXX XXXX dollars a month for pain and suffering.
Complaint sub-issue: Can't temporarily postpone payments

I am involved in a court case involving child custody, and based upon the court hearing, there is some indication that Sallie Mae may have released my confidential loan information to parties that are not listed on the loan. I have read their confidentiality policy, and what information they release and which parties they are authorized to release it to and I know for a fact that I did not authorize a release of the information to any of the parties that were in the hearing and I know that none of them are the listed parties that Sallie Mae can release my loan information to. 

Additionally, there is some indication that the parties involved in the law suit ( which are not involved in the loan ) made a fraud allegation in regards to my loan that are unsupported so now the loan is in default.
Complaint sub-issue: Information belongs to someone else

this company is reporting inaccuarate and unverified information about me
Complaint sub-issue: Personal information incorrect

on equifax report the correct address is not on my report and i cant get thru to equifax i try calling no respond the only address should be on my report is XXXX XXXX XXXX XXXX ga XXXX i been living there for 4 years
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Complaint sub-issue: Information belongs to someone else

Hi I sent a complaint regarding items on my credit that are not mine. I went to try and get a home loan and was denied. I looked at my credit again and there are items on my credit that are still not mine. I've contacted the FTC and filed with the police. I'm doing this on my own behalf. Please remove XXXX XXXX   XXXX, Dpt of edXXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX  XXXX
Complaint sub-issue: Problem with rewards from credit card

I had a Credit card from Discover in XXXX, but I lost the card in the year of XXXX. So I called Discover to close my account. I have paid all my balances at that time. However, I kept receiving emails from them, saying that I have payment due ( ~ {$63.00} ) to them. 
Finally in XXXX, when I returned US, I called them back, ask them why I still got emails from you and have payment due even though I have already closed account many years ago. They explained that it was because it was the cash reward associated with my card, it is the money they owed to me. So they asked my address to send the check to me. However, the check was never reached to me. Then the worst thing the Discover did was to charge the check they sent to me on my closed account. Because they send it twice, so they acclaim that I own them ~ {$130.00}. 
Ever since, they kept sending me emails saying that I own them XXXX usd, and the amount is kept growing. I called them many times from XXXX, as I left US in the summer of XXXX. With hours of long international calls, they finally admit that it was their mistake in the system, they should not have charged me for that. However, even now I still need to receive the same email for the payment due acclaim but with different amount, this time is {$84.00} ... I have no idea how did they make such random numbers and why they could not respect their customer and give them some peace even though they have closed the account many years ago.
Complaint sub-issue: Debt is not yours

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 15 U.S.C 1681c. ( 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 antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Application denied

Today I received an email from Patient Fi stating that my application was denied due to the below : Serious delinquency, Number of accounts with delinquency, Too few accounts currently paid as agreed, Proportion of loan balances to loan amounts is too high, The number of inquiries on the consumer 's credit file has adversely affected the credit score. 
If you have any questions about your credit score, you should contact : 1st of all I feel like I'm being pranked, because I never applied for an account with these people. On top of that I have a XXXX XXXX score with no delinquents. Please review the attachments to support my claim. Also it also shows that on my XXXX credit report these people never accessed my credit report. 

Please let me know if these people are scammers.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX. SYSTEM, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. 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 receiving a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$170.00}
Complaint sub-issue: Information belongs to someone else

I am formally requesting that you validate all tradeline notations you have submitted to the three major credit reporting agencies as : XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX   XXXX Opened XX/XX/XXXX XXXX/XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes.
Complaint sub-issue: Information belongs to someone else

There is an open balance for the amount of {$1500.00}. That appeared in my Equifax account on today from XXXX XXXX XXXX XXXX. The account was opened XX/XX/2022 ( 4 mos ). The report has never appeared on my credit report. I am unware of the account and believe the account was reported in error. I tried disputing the issue with Equifax and where unable to access my account, or request a password reset. Equifax and XXXX continue to stall in updating my report and consistently place old outdated accounts back onto my account under different collection agencies or are placing accounts that are not associated with me in my report. I am requesting further investigation regarding the issue and are requesting the negative mark be removed asap. I believe unfair practices are being promoted by Equifax and XXXX XXXX and I believe I am a target based on my race and belief.
Complaint sub-issue: Their investigation did not fix an error on your report

This is the 9th time that I have contacted these two reporting agencies and I'm disappointed in the lack of integrity that these people take to hold our credit reports! FIX THIS ASAP! I've paid PERFECT payments since XX/XX/2018 and you need to report this on my credit!!! My score has dropped since you stopped reporting it! So put this back on now! I have PROOF that this account is {$5000.00} limit and I've made perfect payments since opened! So report it! XXXX is reporting it so YOU NEED TO REPORT AS WELL! 

ACCOUNT XXXXXXXX XXXX XXXX
Complaint sub-issue: Account terms

Credit institutions reporting incorrect and inaccurate balance information regarding an auto loan listed as mortgage from XXXX XXXX XXXX as {$13000.00} whereas it is {$1500.00}. This was settled by XXXX/XXXX/2016 as shown by attached documents furnished to me by XXXX themselves. I have equally asked XXXX and all the XXXX credit reporting institutions to correct the record in vain resulting into me having to return a leased car as dealer failed to secure a financier due to the inaccurate reporting. Likewise I can not secure funding of any amount.
Complaint sub-issue: Account information incorrect

In XXXX of 2022 I attempted to pay my XXXX XXXX ( XXXX XXXX ) over the phone with the automated system and the payment didnt post. I called and spoke with someone they were able to verify that I called but not sure why payment didnt post. They removed the Late fee but the 30 day late is still appearing on my report. I have been a long time customer and pride myself on making my payments on time. I have a daughter on her way to college and this late payment has dropped my credit score. I need this updated as current so I can apply for the parent plus loan so she can further her education and I dont want this mishap to cause hardship to my family. 


Equifax # XXXX but on my report the number isnt provid XXXX
Complaint sub-issue: Can't get other flexible options for repaying your loan

Having gotten poor advice in the past from previous loan company, I consolidated my educational student loans under the Federal Family Educational Loan Program ( FFELP ). 
I have been aware recently that my educational loan does not qualify for Loan Forgiveness. I applied for Public Service Loan Forgiveness and was denied because my loan type does not qualify. ( FFELP loan amount as of XX/XX/XXXX : {$110000.00} ). If I had advised that consolidating my loans under the FFELP was not the best option for me, I would not have done so. 
I have dedicated to working in the XXXX XXXX as a XXXX  in underserved communities in XXXX, Illinois and do not have the benefits or options that I would have had if I had been advised to consolidate under the Direct Loan Program. 
I graduated from XXXX  XXXX  School in XXXX and finished my XXXX  at XXXX XXXX XXXX XXXX XXXX in XXXX. I have served in underserved areas in XXXX since XXXX.
Complaint sub-issue: Account information incorrect

I have submit a dispute letter to the 3 credit bureaus informing of inaccuracies on my report on inquiries I did not authorize, inaccurate accounts that are closed and continue to report on my report. Medical Collections that I have no knowledge of. These negative information are hurting my credit score and I asked for investigation with no response.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

I overpaid my car loan and now I am awaiting a phone call to explain how they neglected to apply additional payments to my principal and how they adjusted the final payment from XXXX to XXXX to keep a credit of {$110.00}. Keep in mind my account was set on auto pay I was never late but somehow they couldn't understand the payment schedule they created to receive a bonus amount at my expense.
Complaint sub-issue: Having problems with customer service

The school let me accrue alot of debt charged me for a class I tested out of, Plus I tried contacting them many times about accruing a debt I can not afford due to I am currently homeless. They hangup on me alot, and if they dont then they always say there is nothing they can do for me.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts about their accuracy the reported payment history of this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX Date Opened XX/XX/2017 Balance : {$12000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I've reach out several times to dispute the inaccuracies of the XXXX account.Its a Charge off account and its is showing a balance. 
Its was cellphone account. Its showing a installment. 
XXXX XXXX stated it was sold to a collection agency but their still reporting it as their.It
Complaint sub-issue: Information is not mine

hi, XXXX equifax reinserted my son 's ( same name, Im sr, he is not ) bankruptcy, wage earner, collections, judgement, XXXX inquiries they just placed i only had XXXX inquire in XXXX years, false accounts and false alerts not placed by me in my files. for over a year I have fought and begged them to fix my credit, to remove what 's not mine and they refuse or play games, we lost the opportunity to purchase foreclose property denied by suntrust because equifax, our score in other credit companies are about XXXX.
Complaint sub-issue: Information belongs to someone else

My sister informed me that I received a letter in the mail at her home address were I have never lived before stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These accounts are not mine. Please remove these fraudulent items from my credit report.