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

I had applied to XXXX different private companies for a small loan for school tution, all of which required me to add a co signer which I declined. 
XXXX companies ran a credit inquiry twice when I only applied once. 
XXXX and XXXX XXXX. 
As you can see, the dates are XXXX day apart. These inquiries are negatively affecting my credit score, which is not of my own wrong doing.
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listings. 

XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$120.00} There are no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulDebts can not be collected twice Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from XXXX  XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Complaint sub-issue: Didn't receive terms that were advertised

The business Albert XXXX won't pay out new account sign up bonus even though all requirements are met. 

I got referred to sign up a new account on Albert a few months ago. The term mentioned that if I have more than {$200.00} direct deposit from day1-30, day 31 to 60, and day 61 to 90, as well as spend {$100.00} using its debit card during the same bonus period, I should be able to receive {$500.00} bonus. However, in my case, I have already met all requirements, but has not yet received the bonus.When I reached out their support, their first reply was there's no promotion code on my account. This is insane, since I do received a message from them that I'm qualified for this bonus. I also provided screenshot and other information as much as I can. The support still would like my friend who referred me to reach out to them and provide information, which I also did. Even worse, now they admit that I'm qualified for the promotion, but they started to complain about my spending on the card. 

In short, I don't see the business wanting to pay out the bonus as their terms say. This is the reason I'm filing this complaint, and I would like to receive my $ XXXXbonus for meeting all requirement on new account.
Complaint sub-issue: Account status incorrect

EQUIFAX CLAIMS ON HIS PLATFORM TO BE A FAIR CREDIT REPORTING AGENCY FOR CONSUMERS HOWEVER IN DEALING WITH THE AGENCY ON XX/XX/2022 ABOUT A LACK OF UPDATE ABOUT XXXX VEHICLE LOAN I TOOK WITH XXXX XXXX AND PAID IT OFF ON XX/XX/2022 BOTH XXXX XXXX AND EQUIFAX STILL NOT ACCURATELY REPORTING THAT THE ACCOUNT IS PAID OFF AND CLOSE ..EQUIFAX STILL MAINTAINED THAT THE ACCOUNT STILL HAS ABOUT {$1000.00} TO BE PAID EVEN AFTER I SUBMITTED A DISPUTE ( MEANT FOR CONSUMERS TO HAVE A SAY ON THE STATUS OF THEY CREDIT HISTORY ) TO DOCUMENT THAT THE ACCOUNT IS NOT ACCURATELY REPORTED TO- DATE.THE REASON OF MY COMPLAINT AGAINST EQUIFAX IS THAT THEY RENDER THE DISPUTE PROCESS FOR CONSUMERS SO DIFFICULT ( YOU SYSTEM SET UP TO UPLOAD DOCUMENT FOR EVIDENCE NEVER ACCEPT FILE TO BACK UP ONE 'S CLAIM, AND EQUIFAX OPERATE BASED ON CORPORATE ANECDOTE THROUGH THEM NOT ALLOWING CONSUMERS EVIDENCIARY DOCUMENT EVEN THE ONE PROVIDED BY THE COMPANY THE DISPUTE IS AGAINST, AND IN MY CASE THE DISCHARGE LIEN DOCUMENT PROVIDED BY XXXX XXXX AND THE STATEMENT LETTER THAT THE ACCOUNT PROVIDED TO IS PAID IN FULL ) WHILE MAINTAINING THE SIDE OF ARGUMENT FROM CORPORATE AGENCIES .THIS DISPUTE PROCESS WAS NOT DIFFICULT THRU XXXX AND XXXX SO SIMPLE THAT AN OLD PERSON CAN DISPUTE WITH NO ISSUES.HOWEVER EQUIFAX TECHS IS NOT CONSUMER FRIENDLY OR LEAST INEXPENSIVE ( TIME, MONEY, SPEED ) TO CONSUMERS BUT HIGHLY INEXPENSIVE TO CORPORATE ENTITY THUS NOT FAIR IN TREATMENT.
Complaint sub-issue: Account status incorrect

On Friday, XXXX XXXX, XXXX, Equifax informed me through their status portals that my credit has not been compromised, when in fact it was.
Complaint sub-issue: Account information incorrect

applied for a car loan. XXXX XXXX denied due to credit report. XXXX XXXX credit score XXXX. XXXX credit score XXXX. length of residence too short. Bought my house XX/XX/XXXX paid off mortgage. Too few active accounts. I have 1 department store account. 2 XXXX XXXX accounts and a visa card since XX/XX/XXXX that I pay in full monthly.
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 U.S.C 1681 : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Complaint sub-issue: Information belongs to someone else

There is a Citibank N.A. reporting on ( 1 ) of the ( 3 ) Reporting Credit Bureau. XXXX is reporting a Citibank Account Number XXXX that I am an Authorized User on this account. I have made several attempts to get this repaired and as of today XX/XX/2021 it is still being reported. First attempt XX/XX/2021 called CitiBank they sent me a letter dated XX/XX/2021 letting me know that they were unable to update the Credit Report. To remove authorized users for Credit Reporting the Authorized user must be removed from the account. Second attempt XX/XX/2021 no help received the 2nd letter from Citibank telling me the same thing the XXXX letter said. Then I wrote a letter to Citibank on XX/XX/2021 letting them know that I did not never give anyone my Permission to put me on a Card as an Authorized Users. I have not heard back from them but as of today XX/XX/2021 I check my XXXX Report and it is still out there. Please help this is not my Debit. This is Fraud using my name and my information without my permission.
Complaint sub-issue: Problem with customer service

I submitted a request to have funds returned to me in reference to the CARES act. I requested to have payments that I made during the pandemic to be refunded to me. I made the initial call on XX/XX/XXXX. I've been told this is in process and I would be kept in the loop on the status of this request. As of yesterday, it will have been 9 weeks with no status update ( via email or phone call from Nelnet ) in regards to this request. I've called multiple times and have been given different information from each agent I've spoken with ( it's in process or contact studentaid.gov ). With no movement so far, this is going beyond the window in which I was quoted ( 4 to 6 weeks ). It has now been over 9 weeks without any movement in the processing of the request, in which they stated yesterday was submitted on XX/XX/XXXX.
Complaint sub-issue: Information is missing that should be on the report

In XX/XX/XXXX of last year I complained to the three reporting agencies [ XXXX XXXX, Equifax and XXXX ] that for a prolonged time they reported my balance on my XXXX  XXXX credit card as too high and therefore harming my credit score. After initiating a dispute they deleted the card from my file. Not at all what I wanted, I simply wanted accurate balances to be shown. XXXX XXXX and eventually XXXX  corrected the error and since XX/XX/XXXXhave been reporting the correct info. Equifax does not and continues despite repeated attempts still shows no credit card info. They deny the existence of my card. I have sent them copies of several months statements as well as a payment history for the past year to no avail. When the balance dispute began XX/XX/XXXX my score with them was around XXXX. It still is with XXXX XXXX but my Equifax score continues to decrease since according to them I have no card. XXXX XXXX has also helped to solve this incompetence and assures me they report to Equifax monthly as required. They at one time even gave me the dates they had reported but Equifax continues to unfairly besmirch my credit. This is now a real problem as I am trying to purchase a home and will be penalized heavily for their incompetence.
Complaint sub-issue: Problem making or receiving payments

Unable to link investment accounts and so forth.
Complaint sub-issue: Their investigation did not fix an error on your report

After reviewing my credit report I noticed several fraudulent items.
Complaint sub-issue: Their investigation did not fix an error on your report

I HAVE SENT IN CERTIFIED MAIL AS WELL AS NOTARIED DOCUMENTS IN REGARDS TO THESE FRAUDULANT ACCOUNTS AND HAVE BEEN IGNORED OVER AND OVER I HAVE SENT A AFFADAVIT FOR IDENTITY THIEF
Complaint sub-issue: Problem with statement of dispute

I disputed bankruptcies that are reporting on my credit report. They came back verified but I do n't understand how they are verified when no proof has been given although requested also my XXXX credit file has a freeze on it. I have had a freeze on my account for a few months now so I 'm unsure of this information that is listed on my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I do not recognize the new inquiries on my account
Complaint sub-issue: Reporting company used your report improperly

I have been made aware XXXX XXXX at BB & T in XXXX, North Carolina created a profile for me without my consent. He used it to inquire about my finances/credit information for his personal. I have had a prior car loan with BB & T, but that was many years ago. Since that loan, I have had no contact with anyone, including XXXX XXXX, to ever create a consumer profile for me regarding ANY service from BB & T. I never requested any information regarding any type of loan and there was absolutely no reason for anyone at BB & T to access my information.
Complaint sub-issue: Debt was result of identity theft

I contacted the Hospital 's when i found out someone was using my Identity to receive health care and they stated they would look into the problem and resolve it asap. I have filed a police report and also filed actions against the hospital for letting this happen. I'm a XXXX myself and know one knows how something like this could happen, unless the admitting nurse know the people and let them uses my name. I want this off my credit asap or ill be suing XXXX XXXX as well.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$18000.00} This account is PAID off and should be removed from my credit report XXXX XXXX XXXX XXXX XXXX  Amount : {$2300.00} This account is PAID off and should be removed from credit report. A payment arrangement was worked out and was paid off. 

XXXX XXXX XX/XX/XXXX XXXX Amount : {$1000.00} This account is PAID off and should be removed from credit report. This account was paid off in payments. 

XXXX XX/XX/XXXX XXXX AMOUNT : {$470.00} I did not charge on this card and reported it lost or stolen. It should be removed from credit report. 

XXXX XXXX XXXX {$800.00} THIS ACCOUNT HAS XXXX BALANCE AND IS PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX AMOUNT : {$700.00} THIS ACCOUNT WAS REPORTED LOST OR STOLEN AND SHOULD BE REMOVED FROM MY CREDIT REPORT XXXX XXXX XXXX AMOUNT XXXX {$300.00} THIS ACCOUNT WAS REPORTED LOST OR STOLEN AND SHOULD BE REMOVED FROM MY CREDIT REPORT XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1200.00} THIS ACCOUNT HAS BEEN PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT. THIS ACCOUNT WAS PAID OFF IN XXXX. 

XXXX XXXX XXXX Amount : {$1900.00} This account Has been PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX Amount : {$1400.00} This account has been sold to a credit consumer agency account # XXXX has violated my rights. This is illegal. This must be removed from my credit report. 

XXXX XXXXXXXX XXXX  XXXX Amount : {$740.00} This account has been sold to a credit reporting agency account # XXXX has violated my rights. This is illegal. This must be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AMOUNT {$610.00} THIS ACCOUNT HAS BEEN PAID OFF AND NEEDS TO BE REMOVED FROM MY CREDIT REPORT. I PAID IT OFF THROUGH XXXX XXXX XXXX XXXX XXXX # XXXX WAS SOLD TO A CREDIT REPORTING AGENCY AND IT HAS BEEN PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT AS THIS IS ILLEGAL AND A VIOLATION OF MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS ABOVE HAS BEEN VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681.

15 USC 1681 SECTION 602 A 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 AN ACCOUNT WITHOUT WRITTEN CONSENT.
Complaint sub-issue: Debt was paid

Jefferson Capital Systems , LLC has been harassing me despite having paid them off already. I set up a payment plan and settled. I completely paid them off in XX/XX/2021, last week, they send me a letter stating I now owe {$50.00}. I called them and they told me I don't have a balance. I informed them of the letter, they then stated oh I do have a balance then. I asked why when they just told me initially I am paid in full. They began to ask me questions on when did I pay it off. I informed him the dates should be right there in his system since he just told me I had no balance at the beginning of the call. I asked for a supervisor and the agent laughed and put me on hold for over 5 mins. I called back and the same thing happened, I was told I have no balance, informed of the letter and again, all of a sudden now I do have a balance. Then the agent began talking about a debit for XXXX, I have never had any service of any kind with XXXX. I could barely get a word in, the agents kept cutting me off, raised their voices over mine. All I wanted was for the to validate this new " debit '' I owe. But they couldn't seem to answer any of my questions, explain anything, and would refuse to let me speak to a supervisor. These people are scammers and need to be looked into.
Complaint sub-issue: Account status incorrect

I have multiple student loans that were provided by XXXX XXXX XXXX. However, last year these accounts were consolidated through another loan servicer and should reflect as such. When I pulled my current 3 bureau credit report I noticed there were many late payment alerts that flagged to my account based on the loans. They accounts ranges dates from XX/XX/XXXX-XX/XX/XXXX. I was in school from XX/XX/XXXX-XX/XX/XXXX. I am not sure why these late statuses were reported but I would like to get them removed from my credit report on all XXXX XXXX Accounts to ensure it is not effecting my credit score. I would like to also request to remove the account if there is no longer any balances on the accounts. 
I will submit a dispute as well from the credit bureaus side.
Complaint sub-issue: Personal information incorrect

The list of information was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information listed below : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX
Complaint sub-issue: Debt was result of identity theft

CRA VIOLATION NO KNOWLEDGE FRAUDULENT ACCOUNTS APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Complaint sub-issue: Information belongs to someone else

im not sure when the account was open but i start receiving calls i contact the company and credit companies advise them of the issue and incorrect information the item is still floating on my accounts and i am still getting calls it has been months i am sure the company received the complaint directly from the credit company
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

I have called numerous times to please stop reporting as missed payments when its actually taken out my check every 2 weeks the amount agreed!!! since the mother abandoned my XXXX girls with me I did an affidavit of possession and got notarized!!!! they said since I have my kids they hold the money they take out my checks!!! their computer shows as not being paid since they have a hold on the account and they not giving the mother the money!!!!! it still gets taken out every 2 weeks out my work check, im not behind on payments, in fact im overpaid because they took my stimulus!!! 
the texas attorney general said since the computer is not dispensing the money its lie I owe it!! I cant file taxes or anything till finalized in court!! I firmly believe since the payments are being made but just on hold on their end it shouldn't go on my credit report as never paid or 20 missed payments!! I can send the order from court in 2018, send check stubs and anything else that may help remove that!!! its the only negative thing on my credit!!! I will include all payments from the texas attorney general website that I have made they claiming I never made 1 payment!! 
thank you for your help and anymore information you need let me know ill supply all documents needed to prove it!
Complaint sub-issue: Investigation took more than 30 days

Inacurrate and fraudulent accounts reported from my credit report.
Complaint sub-issue: Problem with fees

Cancelled in XX/XX/2021. Paid off the last of the fees. Residual balance from interest that was paid but then they added the annual fee after cancellation in XXXX. Called and said I'd pay the residual interest around {$80.00} which was paid and they were supposed to cancel the fee and the late fee because these were applied after cancellation. First call was in XXXX about cancellation and late fees. {$84.00}. In XXXX, I called about regarding the late fees applied after cancellation and confirmation of cancellation. I called citi who then transferred to a supervisor at Citi who then transferred to an XXXX XXXX agent who then transferred me to a third party of citi bank based in XXXX but that third party was never identified. I filed two disputes because these charges affected my credit report, but to no avail. The latest dispute was filed on XX/XX/2021 to correct my credit report and reflect the account closure in XXXX and no late payments or fees were legally applied since they were after account closure.
Complaint sub-issue: Account status incorrect

I am not an active credit user. I am a responsible consumer. I experienced a work injury and I had to file for worker 's compensation.. During the negotiation period, medical bills were piling up. Even though they were informed that it was a worker 's comp. medical case the office submitted my over due medical bills to the credit reporting agencies. I have requested often to have late payments, bills paid in full to each of the agencies, and they each take their time in responding to my request. Are they do not correct my credit report. and increase my score. My attorney XXXX XXXX has sent to each of the credit bureaus copies of the paid in full accounts. at least 3 times. I need my credit score corrected and increased and old medical bills and student loans reported as paid in full and removed off of my credit history. I was sure my score was high since I 'm not an irresponsible spender. Only to learn that I was given a low score because I did not have any debt. So, I made a purchase and started making payments. This purchase will be paid in full in the next few months. The company keeps trying to get me to make another purchase because of my prompt payment history.XXXX XXXX only reports to 1 of the credit bureaus. This is awful. I asked them why not all 3 of the agencies, they do n't want to pay fees. I thought my credit score was 860 or 900 since I am a responsible steward of my money. I am hoping that your office will handle my concern now. I want to Thank Your Office now for being available to handle challenges such as mine. I know it will be resolved with ethics something that is missing in the business world today. Thank You