Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX.
Complaint sub-issue: Investigation took more than 30 days

this is reguarding a closed complaint # XXXX if clam that be thet they are having trouble to conform my identity.
Complaint sub-issue: Received bad information about your loan

XXXX XXXX closed down in XXXX of XXXX and I was told that I would get my loans forgiven if i filed for student loan forgiveness filling out the School Closure form by XXXX XXXX, and that's what I did but got denied. then called my student loan provided Nelnet told them the situation, Nelnet told me to fill out the Student Loan Defense to Repayment and that's what I did but i was denied for that. I should not have to pay back loans if my school closed down. Below are the dates the student loans were taken out, and the amounts owed. 

XX/XX/XXXX I owed {$6000.00} since then Nelnet has charged me over {$3000.00} in intrest. 

XX/XX/XXXX I owed {$3500.00} since then Nelnet has charged me over {$1000.00} in intrest XX/XX/XXXX I owed {$3000.00} from the previous year since then I've been charged {$330.00} in intrest
Complaint sub-issue: Funds not handled or disbursed as instructed

Hi, I opened Citi XXXX savings account and deposited around XXXX. Out of that I transfered around XXXX later to my wife. Citi tagged is as fraud even though i called multiple times that this is a valid transaction.They blocked my account and XXXX in it. Now they wanted me to add my wife to the account to clear this. I said ok. They dont have a clear process and after multiple hourly calls of waiting and transfers they said you have to go to a bank near you. The nearest bank is XXXX hrs of flight. So this is not an option. I told them to close my account and return my money back. They said yes and we started the process we will refund you in 4-5 business days. Its 3 weeks now and multipole calls noone knows anything and they restarted the same closure process multiple times from scratch. I am running out of my money and had to take a heloc on my house to cover my expenses. I request your help to get my XXXX back from citi including interest and also a compensation to cover all the expenses I had to make to borrow the money from other bank. They are sitting on my money for no reason. Its been almost 2 months this is not going anywhere. I made atleast 25 calls and waited more than 30-40 mins each call.
Complaint sub-issue: Other problem

I need help with my Citi Credit Card. I have working with their dispute center regarding an item I charged. The ongoing dispute : the merchant I purchased a washer/dryer from, sold me a " new and working '' item, but it was installed broken, and although I have proof that the merchant gave me a refund and return option, via saved XXXX conversation, the merchant says it was an " as-is '' broken item I purchased without a right to refund. 

My issue with the Citi Credit Card dispute center is one, they are not representing my interests and two, have now closed my dispute due to " lack of response by myself, XXXX XXXX ''. I did respond, within the time frame and have proof. 

The dispute department and myself have been communicating via email. On XX/XX/XXXX at XXXX XXXX   CST, XXXX XXXX asked me to supply two additional items by XX/XX/XXXX. I replied on XX/XX/XXXX at XXXX XXXX, within 3 hours of the request, and I have a copy of the sent email. Yet, today XX/XX/XXXX, I received an automated notice that my dispute was closed due to a lack of response. 

Citi Card Dispute department does not communicate via phone, unless you are requesting to withdraw your dispute. Additionally, the two additional items XXXX XXXX asked for, she already had. She requested a copy of the sales receipt, which the merchant supplied and again, a signed document with my reasoning for why I think the washer/dryer is defective. The dispute department already had that information, but I continued to oblige. 

Yet, without consultation, my dispute was closed. I have asked for a supervisor to contact me and re-open my dispute, but have heard nothing. This is really absurd since I did reply, and what they said I didn't supply, they already have had for months. Citi Credit Card dispute department has been working on this dispute since mid-XXXX!!!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Account, 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
Complaint sub-issue: Information belongs to someone else

I have several fraudulent accounts on my credit report. Equifax and XXXX won't investigate my complaint because they think a credit repair company is helping me. I AM THE ONLY ONE DISPUTING  FRAUDULENT CHARGES ON MY CREDIT REPORT. NO CREDIT REPAIR COMPANY
Complaint sub-issue: Account status incorrect

XXXX and XXXX XXXX are reporting on my Credit report that payments are late which i never set up any payment plans or nor have I agreed to pay and they have considered trying to validate these debt which is not enough evidence for me to know if these are truly my debts to pay and if they actually purchased these debt from the original creditor they so called purchased them from. There is no documentation showing my signature and where I agreed to any of it. 
Look attached items.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted XXXX regarding a bankruptcy on my credit report. 

1 ) Bankruptcy - I provided written documentation from the US Bankruptcy Court stating it does not verify information with credit porting agencies ( XXXX XX/XX/2020 ). XXXX responded the information as " verified ''. I provided written documentation to XXXX from third-party XXXX stating there is not a bankruptcy on my consumer file ( XXXX XX/XX/2020 ). XXXX responded the information as " verified ''. XXXX has failed to provide how and with whom the information was verified. 

I provided I provided written documentation from the US Bankruptcy Court stating it does not verify information with credit porting agencies ( XXXX XX/XX/2020 ). XXXX responded the information as " verified ''. I provided written documentation to XXXX from third-party XXXX stating there is not a bankruptcy on my consumer file ( XXXX XX/XX/2020 ). XXXX responded the information as " verified ''. XXXX has failed to provide how and with whom the information was verified. 

I provided written documentation to Equifax stating Equifax removed the bankruptcy from my credit report XX/XX/XXXX ; yet reinstated the incorrect item on my credit report 2 ) Charged-off account - I provided written documentation stating XXXX is reporting late payments to a charged-off account ( XX/XX/XXXX ). XXXX responded the reporting of late payments on a charged-off account as accurate. 

Charged-off account - I provided written documentation stating XXXX is reporting late payments to a charged-off account ( XX/XX/XXXX ). XXXX responded the reporting of late payments on a charged-off account as accurate.
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 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 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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 vears.

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: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX dated XX/XX/23 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed accounts which I believe were reported in error. 


XXXXXXXX XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXX XXXX Balance : {$1300.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under un open end consumer credit plan as late for purpose.
Complaint sub-issue: Trouble with how payments are being handled

I applied for the Public Service Loan Forgiveness Program. In XXXX when I was accepted into the program my loan was transferred from XXXX to XXXX   XXXX. I never received any correspondence in the mailing stating the change or that I was even accepted into the program. Last week I received a notice from XXXX XXXX stating my student loans were behind 120 days with XXXX XXXX. So I called them to see what this was referring to because I was under the impression I was still with XXXX. I was told about the consolidation and transfer of the loan. And that they were sending my correspondences to an old email address because when I had XXXX XXXX back in 2013 I was signed up for paperless notifications. I was never notified that I needed to reapply for my Income Driven Repayment Plan which doesn't come up for re certification until XXXX with XXXX. So my credit was hit very hard because I wasn't properly notified.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act Convergent accounts XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # 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 In accordance with the Fair Credit Reporting act Convergent 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 an account without my written instructions 15 U.S.C 1681 Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting section ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code 1681b - Permissible purposes of consumer reports : ( a ) In General : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Complaint sub-issue: Attempted to collect wrong amount

I am XXXX XXXX and XXXX. I was sent a letter from the medical company for a bill that was from XX/XX/XXXX. I responded with a letter ( XX/XX/XXXX or XX/XX/XXXX ) stating that I believed I had already Pais this debt, asking for proof. I heard nothing back from he medical facility. 

I received a letter in XX/XX/XXXX from a debt recovery firm claiming that I owed this debt. I called them and spoke to a young woman who was very accommodating I explained that I thought the debt was paid and panicked because I just moved and my files are not yet organized. I was sure I paid this debt and was concerned about it going onto my credit report. She said not to worry, she would request the appropriate proof from he medical facility and then get back to me. I reiterated that I was concerned about them placing it into my credit file and she reassured me that they would not do this because I was communicating. She was going to get back to me regarding the medical facilities invoicing. 

I received an alert on my credit report XX/XX/XXXX that they had reported this debt without any communication as I was promised. I received a letter from them the day after this was reported with no documentation of the charges, payments, etc just stating that I owed them this amount $ {$470.00}.
Complaint sub-issue: Not given enough info to verify debt

applied for a personal loan through Avant. and suddenly i have a XXXX hospital bill from XXXX on my credit report from Avant usa. one is for {$5000.00} something and another for {$800.00} something. They are reporting that this debt was first reported in XXXX XXXX. This is a lie! I was at XXXX hospital in XXXX! These bills were also removed from my credit report yrs ago as well due to misdiagnosis! I did not get any notices or bills and now since i happened to apply for a loan from AVANT who now i am assuming is the collector for these OLD NO LONGER EXISTING BILLS decided to lie and report to my credit. This IS ILLEGAL and needs to be removed from my credit report immediately.
Complaint sub-issue: Reporting company used your report improperly

My consumer rights are being violated by this credit reporting agency. Some of my information is being unlawfully reported without my permission.
Complaint sub-issue: Report improperly shared by CRC

Att phone service has ran my credit without permission. I want them to remove it.You ca n't run any ones credit without their knowledge. ( Equifax )
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX I sent all requested documents to XXXX XXXX and Equifax stating that I was a victim of identity theft also I opened a dispute with both XXXX XXXX and Equifax. This account has been deleted from both XXXX  and XXXX but it's still reporting in Equifax. In addition during the time of identity theft I was hospitalized as well as home bound due to my XXXX diagnosis.

I've also completed and faxed the ID Theft Affidavit to XXXX XXXX XXXX on XX/XX/XXXX. I have not received a response or updates on the status of my case.
Complaint sub-issue: Investigation took too long

I do n't know why its taking Equifax so long to send me a copy of my new credit report. I requested an investigation on XX/XX/XXXX, and they never responded to me.
Complaint sub-issue: Deposits and withdrawals

FROM : XXXX XXXX Account # XXXX XXXX XXXX XXXX TO : US BANK ACCOUNT SERVICES Hello, My account is under review for an altered/Fraudulent Check This is a lie. The check was from my Insurance company and I have the proof it is not fake right here. 
I came into the XXXX XXXX branch earlier last week ( XX/XX/2022 ) and spoke with the manager XXXX XXXX. He told me my account was to be closed due to a fraud check which is not true. He actually accused me of this and was very rude. My insurance adjuster provided me the check and the proof my check was real. I cashed this at another bank but you still have my money from a separate {$5000.00} deposit I made before I made this one and my account is still on hold. 
I have attempted to contact him multiple times via phone and email and he wont respond or I got an auto email telling me hes out until the XXXX! 

I need this account restored TODAY I can not allow you to hold this any longer and I have called and emailed your branch and the back office and the fraud dept and multiple times and have been ignored. The branch is the only one who can remove the hold. I want that REMOVED NOW! Here are the images of the check and the link to the page you can view the check issued from my insurance company it matches the check I deposited and the other checks I deposited from this same accident. 
Click Lick for info on check issued XXXX XXXX XXXXXXXX? XXXXXXXX XXXX XXXX You can call my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want my account unfrozen and money today the number you gave me said directly TWICE only the bank manager can do this. 
Thank You XXXX XXXX Account # XXXX XXXX XXXX XXXX ATTACHED : IMAGES OF CHECKS
Complaint sub-issue: Received bad information about your loan

I have had $ taken out of my check at my work for nearly 3 years and have never received a statement or any documentation showing this. My employer is not giving me any documentation of anything in writing stating how or why money is being taken. They were only able to provide me a phone number and case number. After XXXX the phone number, I traced that back to Allied Interstate, who I 've never done business with our signed anything authorizing them to act on my behalf. I have not received any statements of my payments or other information. I am also reporting this to the State of Ohio Attorney General 's office, as this company 's address is listed in Ohio on their website. 

I have requested that this company communicate with me only via email, as I will have a record of documentation. I have requested a statement of my account. I have requested a statement documenting the chain of custody of my accounts from the time that I signed my loan documents. I have requested every document that you have my signature on. I have never had a load through Allied Interstate. 

In research RE : student loan collection, I 've read that the collector must be able to provide chain of custody documenting how they have come to hold the loan. I have not received any documentation as such.
Complaint sub-issue: Trouble with how payments are being handled

I have attempted to sign up for automatic debt with XXXX XXXX several times. When you select Auto Debt Enrollment on XXXX XXXX 's online payment website nothing happens. I called and spoke with a representative who enrolled me in Auto Debit, and the next month, I received a notice of late payment. I checked my account online, and it says that I haven't enrolled.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Complaint sub-issue: Account status incorrect

XXXX has repeatedly contacted me regarding this loan account and subsequently reported me as in collections to all of the major credit bureaus. I do not have any responsibility for the debt that XXXX/PNC is trying to collect and I dispute its validity. XXXX/PNC Bank ( loan originator ) provided a promissory note that dictates that default occurs once the " Borrower does not make any payment before or on the date it is due -according to their documentation, the loan in question defaulted in late 2010. As the promissory cites Pennsylvania as its governing law, which has a 4-year statute of limitation on debt, this loan is unenforceable and XXXX has engaged in unfair collection practices.
Complaint sub-issue: Information belongs to someone else

I don't have a financial obligation to these companies and it is negatively affecting my credit score, please remove it immediately XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX XXXX ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

Please see related complaint # XXXX. While I appreciate that XXXX responded to that complaint in a timely fashion they did not address my main complaint, why is any " unpaid interest '' occurring in my account if I pay the payment in full every month as I have through the history of the loan? I would like an explanation of why this continues to occur, as you can see from the attachment, as of today I have {$75.00} of unpaid interest despite paying my payment of {$530.00} in full as billed to me.