Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem extending the lease

I called Ally Financial in hopes of extending again my lease one more time. When I spoke to customer service I was told I could no longer extend the lease and that I had to turn in the car if not I would be charged XXXX each day till is returned. Is this even legal to charge XXXX daily? I needed one more extension I had asked for one month can be extended till I got back in the states. I was also denied a one month extension. I am a great payee not sure why something could not be worked out. I was out the country due to my job, the position I carry at my job requires me to travel months at a time out of the country and I could not make it to turn the car in or to at least buy the car out in monthly payments. I know my job situation leaving and coming out the country is not any ones problem but I also can not control when and how long my job will have me out the country on these projects and that is why I called to work something out with Ally till I got back. I was out the country for 6 months and I have arrived back to take care of this. Help me work something out I can not afford XXXX a day that's being placed against me when I have no control of my job situation. Again I tried and reached out to Ally and was denied they extension. I was not even offered any other resolution. Its unfair to know that I tried to work something out and not be offered another solution.
Complaint sub-issue: Debt was result of identity theft

XX/XX/XXXX XXXX XXXX CST, SPOKE WIT XXXX  WIT XXXX XXXX XXXX WAS ADVISED 2 ACCOUNTS IN COLLECTIONS : XX/XX/XXXX {$83.00} WAS ADVISED XXXX   WAS GIVEN AND XXXX  FOR XXXX, ( HIPPA VIOLATION AS I AM NOR HAVE EVER BEEN PATIENT ) XX/XX/XXXX {$1600.00} WAS ADVISED XXXX WAS GIVEN AS WELL AS XXXX XXXX/ XXXX  / ( HIPPA VIOLATION AS NEVER A PATIENT ) I DID INFORM XXXX FROM BEGINNING OF CALL THAT THIS IS RESULT OF IDENTITY THEFT AND SHE CONTINUED TO GO OVER THE COMPLETE NATURE OF THE HOSPITAL VISITS AS WELL AS COSTS.
Complaint sub-issue: Debt is not yours

You've paid off 0 % of your collection amount. 
Balance {$720.00} Highest Balance {$720.00} Opened XX/XX/2015 ( 2 yrs, 4 mos ) Account status Open I had lived in a building i believe at XXXX XXXX XXXX  when i moved out i had handed my XXXX modem cable box and everything to the XXXX guy that was allocated to the building. He had assured me that he would take care of the issue and let XXXX know that i do not owe anything and the equpitment is returned. Little do I know i have a {$720.00} dollar collection going on for equiptment that i returned to the building XXXX Representative. I want it to be disputed and removed off my credit report so this unjustified problem does not keep hurting my credit. 

Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX DISPUTE AN ERROR Creditor Information I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Complaint sub-issue: Not given enough info to verify debt

THIS COMPANY IS LISTED ON MY CREDIT REPORTS. I HAVE ASKED FOR THIS DEBT TO BE VERIFIED FROM THE ORIGINAL CONTRACT BEARING MY SIGNATURE.PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES I DEMAND VERIFICATION. THIS DEBT IS LISTED AS A COLLECTION ON MY CREDIT REPORT.
Complaint sub-issue: Problem with personal statement of dispute

Hi, All the mayors credit reporting agencies still have one of my account on derogatory for over 7 years and they dont take it out. I am not able to build or get any type of personal credit.
Complaint sub-issue: Information belongs to someone else

Spoke w/ XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , FL XXXX ( XXXX ) XXXX He asked me for my social and I asked him to verify the last 4 digits of ss # on file, he said have a good day and hang the phone up on me, I called back and spoke w/ XXXX XXXX , she was asking me to provide her with my social and I refused as if they had my social they should be able to provide me the last 4. Please mandate they send a written contract and proof of social security number for this debt as it is not mines. I have never done business with XXXX or the original collector of XXXX XXXX XXXX and demand this reporting be removed from my credit profile on XXXX, Equifax and XXXX. 

I do not owe this debt and this account does not belongs to me XXXX XXXX XXXX
Complaint sub-issue: No notice of investigation status/result

I disputed some entries on my credit report with Equifax on XXXX/XXXX/2017 and again on XXXX/XXXX/2017. So far no response from Equifax regarding my dispute and do n't know how to make them fix my issue or respond with any information.
Complaint sub-issue: Account terms

I made a payment of XXXX to XXXX on XX/XX/2015 and Equifax says that they are saying that I still owe a full balance so thy cant remover the collection from my credit report when I had settled the collection in full on XX/XX/2015 therefore I still is showing a collection on my credit report
Complaint sub-issue: Received bad information about my loan

This is the second time I have been denied my cosigner release through Discover student loans. I have a good credit score of XXXX and I meet all of the requirements asked of them below and on the cosigner release application:1. Qualify for cosigner releaseTo have your cosigner released from your private student loan : Your loan must be a prior XXXX Loan that was purchased by Discover. 
You must be at least 18 years of age. 
You must be a US citizen or permanent resident. 
You must have made the required number of consecutive monthly payments on time. 
Use this chart to determine the number of required payments. 
Your gross monthly income must be at least {$1500.00}. 
You must have a satisfactory credit history and pass applicable credit criteriaI do n't believe that my application is receiving the attention that it deserves and Discover student loans is doing whatever they can to avoid honoring the cosigner release terms. 
I will attach my verification of income and the cosigner release document for your review. 

Thank you for your time, XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

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  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: Reporting company used your report improperly

Requested removal off all account open and closed on credit repor due to the fact they assumed a role that I never gave permission, not only didnt they have my permission they didnt have my consent either. And didnt exceride thisr responsibility and was unfair, partial and dont respect my right to privacy.
Complaint sub-issue: Other problem

I got scammed out of around XXXX dollars, I filed a police report and everything so they wouldnt close my account, but they closed it anyways. They said they have protections from issues like this, but didnt offer any help what so ever. I do want this off of my credit report so I can build back up my credit, but I would like to not have to pay this debt because i called them three times in advance to ask their advice and every time they said go ahead. I really want this off my credit report but I would love to not have to pay this, because they are supposed to have protection for scams like this.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Hello, I have been having an issue with Equifax in regards to false information that is being reported on my credit report. I have tried resolving this issue multiple times by communicating with them via certified mail and they refuse to fix the issue. They are falsely reporting an account that does not belong to me. XXXX XXXX XXXX Account # XXXX I have mailed out multiple attempts to resolve this issue with no help from them. I have mailed out items in XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 and most recently in XX/XX/2020.
Complaint sub-issue: Account status incorrect

I paid all my credit cards down to a XXXX balance at least two weeks before the minimum payments were due via check by mail. All of the companies received payment except one. I hadnt realized they didnt receive the payment until I got a notification on my credit report that I was 30 days delinquent. I then called the credit card company to see why I was being reported delinquent. The representative explained they had not received payment. I then stated I'd sent the check and asked if they wanted me to stop payment on the mailed check and submitt another check. The representative said yes. She stated she would notate the account and told me not to worry. She told me they would put my account on hold so that it wouldnt go into collections due to the circumstances. I was also told due to the circumstances of the lost payment and as a courtesy that they would not report 30 day late on my credit report. Since then I submitted another check and the company has received and cashed the check but did not hold up their end of the bargain. They are reporting 30 days late to the credit bureaus which is harming my credit score.
Complaint sub-issue: Didn't receive enough information to verify debt

Last year when I checked my credit report I saw this company on my credit report. When I called them to see what his debt was about. They were unable to advise me of what the debt was about and could not or would not provide verification of what the debt was. I have asked this company of verification and have still not been provided any yet.
Complaint sub-issue: Information belongs to someone else

I have disputed the student loan account with Experian for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. 

XXXX XXXX XXXX   XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

XXXX XXXX reporting closed & paid account as 30 day delinquent.
Complaint sub-issue: Their investigation did not fix an error on your report

Both Equifax and XXXX are reporting a bankruptcy account. I have disputed this record several times ; however, it keeps coming back verified. I want to know THE METHOD OF VERIFICATION. XXXX and Equifax are in clear violation of reporting inaccurate information on my consumer file that is LAW 15 U.S. CODE 1681e ( b ) Compliance procedures & 15 U.S. CODE1681 ( a ) ( 4 ) CONGRESSIONAL FINDINGS AND STATEMENT OF PURPOSE. This bankruptcy account is in clear violation of 15 U.S code 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS I never gave XXXX or Equifax anything in writing that would have given them permission to report this record. Saying I did such a thing when it is false is against the law identity theft and 18 U.S. Code 1028A AGGRAVATED IDENTITY THEFT which is felony two years in prison. I would like a full new copy of my credit report reflecting the deletions sent to me via usps mail.
Complaint sub-issue: Information is not mine

In 2008 I was victim of ID theft by someone who opened an account in my name and SS at the address located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX which is not and have never been mine. 
After reporting to the police and credit agencies this was a fraud, the address still shows as my Former Address in the Equifax Credit Report, which is incorrect and I would like to have it removed.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX XXXX is trying to collect on behalf of XXXX XXXX XXXX for an unknown debt. XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$290.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP
Complaint sub-issue: Information belongs to someone else

This last response from XXXX XXXX XXXX Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with non-monetary relief Company 's Response We are sending the customer a letter advising that we previously sent requests for the inquiries to be updated ; however, to further assist, we reached out to Equifax on his behalf to confirm the inquiry update. We further advised to allow until XX/XX/XXXX for the update to occur. 
DESCRIPTION OF NON-MONETARY RELIEF Credit bureau inquiries changed from hard to soft
Complaint sub-issue: Can't use card to make purchases

Talked with multiple people, no one could explain a " random '' customer verification. I am unable to check my balance, but one employee said I can still use my card. Why would I use my card if I can not even check or pay my balance? 
They made me sign a IRS Consent Form 4506-T.
Complaint sub-issue: Information belongs to someone else

This account is not mine. In 2014 XXXX XXXX stole my identity. I dont know how many times I have let all 3 credit report bureaus know this information. They still let creditors put the identity theft on my credit report. They dont check nothing before putting it on my reports. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  credit card. XXXX needs to take off XXXX XXXX XXXX, XXXX has taken off the the bad. But still no Good standing on my report. XXXX still has all the identity theft on my report. Name wrong and still dose not have any of my good standing. XXXX bank, XXXX, XXXX, XXXX XXXX, these accounts need to added to XXXX, XXXX XXXX, XXXX. Please add the good standing on my reports if not already done so.
Complaint sub-issue: Information belongs to someone else

I went to help my son get a car so he can have for college and I was approved but with a little higher interest rate than expected. I try to watch my credit as much as possible and I saw an account from XXXX XXXX and alot of inquiries I know nothing about. Please remove this from my credit 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.Im doing this on my own and has contacted the FTC and my police here.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX 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 n 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 XXXX 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 XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Information belongs to someone else

On or about XX/XX/2018, XXXX XXXX XXXX  placed a fraudulent account on my credit reports with XXXX, XXXX and Equifax. I immediately filed disputes with each respective agency that the account is fraud. XXXX removed the account within two days. Equifax and XXXX have yet to respond or remove the account from my credit reports. This account has in the past been disputed and proven to be fraud, and XXXX, XXXX   and Equifax are in violation of the FDCPA by allowing it to be repeatedly placed on my credit report by various different collection agencies who are selling it to one another and by not immediately removing it from my reports. Likewise, they are in violation of the FDCPA by not adjusting my scores accordingly once the fraudulent account is removed from my reports.
Complaint sub-issue: Information belongs to someone else

i had been a victim of ID theft, a XXXX account was opened with out my knowledge and this is effecting my social security and they are about to cut and disconnect my social security .because if this inaccuracy, please i will be homeless i have spoken to the creditor and also disputed with the bureaus only equifax is the one who is not cooperating in this issue, i have called many times and provided documents even a police report and the FTC report as well. anything they requested, but they are not even helping me in this situation, please you are my last hope, my daughter told me write a complaint on equifax, please i will be homeless .i need your help in order to fight this battle thank you
Complaint sub-issue: Account status incorrect

XXXX XXXX insists on reporting information they know is false despite multiple requests. XXXX XXXX and Equifax report this knowingly false information despite multiple requests. Now Im ready to take legal action against all parties involved as the refusal to correct this literally asinine error has caused and continues to cause me significant harm.
Complaint sub-issue: Information is not mine

XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX MEDICAL ACC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} AUTO {$8200.00} XXXX {$320.00} {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acc # XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. XX/XX/XXXXc-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Account status incorrect

After chapter  XXXX  completion my credit report now shows a balance on an account from   XXXX   XXXX  . This is inaccurate and a violation of the federal court order. Please review the following documents. I recently completed my chapter  XXXX  and all creditors should be listed correctly with a  XXXX  balance. Review carefully and follow the law. Account should be closed and show  XXXX  balance.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Company is calling despite being notified of bankruptcy status ( Case # XXXX ).
Complaint sub-issue: Account status incorrect

XXXX account was paid off. I have receipt. I disputed with them several times and they continue to show old negative remarks and balance.
Complaint sub-issue: Information belongs to someone else

Someone got my information and try opening up accounts in my name and theres a lot of inquiries on my report. XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Review attached Equifax Credit File and Confirmation Number : XXXX of information I received from Equifax on XX/XX/XXXX. I am a victim of the recent Equifax credit score error. The following public record was was deleted and removed from my Equifax credit report by Equifax on XX/XX/XXXX, but the public record has been reinserted on my Equifax credit report : Case or ID : XXXX, US Bankruptcy XXXX XXXX, Minnesota. The Public Record thats currently listed on my Equifax and XXXX credit report is not my public record. The XXXX XXXX  XXXX Account : XXXX with a balance of {$330.00} thats currently listed on my Equifax and XXXX credit report is a fraudulent account. The XXXX Banks XXXX Account is not my account. I did not apply for the XXXX XXXX XXXX Account. The XXXX XXXX Bank XXXX XXXX Account : XXXX is lost/stolen. The balance of {$270.00} on the XXXX XXXX Bank XXXX XXXX Account is all fraudulent transactions and not my charges. The following credit inquiries thats listed on my Equifax credit report is fraudulent, unauthorized, and not my credit inquiries : XXXX XXXX XXXX XX/XX/XXXX and XXXX, XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair credit Reporting Act OFFICE OF THE ATTY GEN Acct # XXXX, XXXX acct # XXXX has voilated 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 with my written instructions.