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

Once again, I submitted my complaint, and once again, XXXX less than 2 days sent a message saying they were " investigating '' and then sent an email saying it was " updated '', but did NOTHING! It is like NO ONE is actually LOOKING or READING any of the attachments, including the discharge from the BANKRUPTCY COURT showing ALL Student loans, including XXXX were discharged. It was discharged due to hardship because of an injury. 

Not ONLY did XXXX turn around and SELL OFF the discharged debt for someone ele to try and collect on AFTER discharge, which is illegal, PHEAA is now claiming I owe {$20000.00} addtional in fees. ( HA HA HA HA HA HA HA ). AS IF! In 3 years it went from {$21000.00} to {$43000.00}? That's AMAZING! 

As previously stated. I will submit all my paperwork EVERY DAY until THIS IS PROPERLY taken care of as it is FRAUD and WRONG! it goes against EVERYTHING CFPB is set up to do and so much for protection to me under Federal law!!!!!! These companies are getting away with breaking FEDERAL BANKRUPTCY LAWS and NO ONE seems to give a XXXX! I am XXXX and XXXX and this is incredibly frustrating to have to explain the obvious and NO ONE READS!!!! 

Submitting my Complaint AGAIN and WILL CONTINUE to do so EVERY DAY until SOMEONE LOOKS at the documents and these two companies are REMOVED from my report or at the VERY least, reported CORRECTLY!!! 
Due to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX I lost my XXXX, my retirement, everything I had. The judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, at one point they had reported the account to all the credit bureaus as CLOSED/CHAPTER XXXX  BANKRUPTCY. 
2 years later, they decide to pass it off AFTER DISCHARGED BANKRUPTCY to a PHEAA for " collection '', which is totally ILLEGAL! Now, both PHEAA AND XXXX are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! It is bad enough that my credit report is showing a bankruptcy that hurts me, but to now have these TWO companies reporting FALSE information and CONTINUING to get away with what is a CLEAR violation, is just baffling and infuriating to me! That has the ENTIRE point of Chapter XXXX  and DEFEATS the purpose! 
I am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a lawsuit and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to me over my credit report. I have had ENOUGH! 
HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? 

LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! 

THE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!
Complaint sub-issue: Not given enough info to verify debt

I sent a debt validation letter to this company on XXXX/XXXX/2015 and they ignored my request of validation.
Complaint sub-issue: Information belongs to someone else

XXXX 's client XXXX XXXX is a victim of identity theft. His information was used without his consent to apply for several lines of credit and other services. These applications resulted in fraudulent related inquiries into his XXXX, XXXX  and XXXX credit reports. Formal disputes of these inquiries were provided to the creditors however a credit report ( s )  obtained XX/XX/2018 has many of these know fraudulent inquiries still being reported. These inquiries are : XXXX credit bureau : Carvan, inquiry made XX/XX/2018, formal dispute was provided XX/XX/2018 ; no reply from that office and the data is still being reported. XXXX, inquiry made XX/XX/2018 formal dispute provided XX/XX/2018, still being report no reply from office. XXXX XXXX, inquiry made XX/XX/2018, formal dispute provided XX/XX/2018, still being reported and no reply from that office. These are violations of the FCRA and my clients, federal consumer rights.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$3400.00} XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRAS. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Complaint sub-issue: Attempted to collect wrong amount

Hunter Warfield is trying to collect {$150.00} for carpet replacement. I have asked Hunter Warfield to abide by the Texas law which states, " The landlord may not charge you for normal wear and tear on the premises and may only charge for actual abnormal damage. '' My use of the carpet did not go beyond normal wear and tear. 

I have disputed the validity of this collection several times, Hunter Warfield was unable to provide any proof such as pictures. The XXXX XXXX no longer owns XXXX XXXX XXXX. 

To this date, the collection remains on my credit report, and Hunter Warfield refuses to delete the account from my credit report, despite several goodwill efforts.
Complaint sub-issue: Other problem getting your report or credit score

I ORDERED AND PAID FOR AN EQUIFAX ACCOUNT AND I STILL AM NOT GIVEN A LOGIN TO VIEW MY CREDIT. I FAXED OVER THE INFO THEY NEEDED BUT AM STILL NOT ABLE TO ACCESS MY CREDIT.
Complaint sub-issue: Debt was result of identity theft

I was a victim of identity theft and 10 different accounts were opened in name with XXXX 2 years ago. I contacted XXXX back then and they acknowledged this and wrote me a letter promising they will take care of this and remove all negative reports. However, I keep on getting various calls from different credit agencies for the same accounts stating that I owe. I have contacted XXXX and they state that the accounts it is not in their system at and they do not see where it was in the first place. Despite the fact that they have written me a letter with their company letterhead apologising and i have called the credit bureau to remove it they state that XXXX has to contact them with the letter. I have contacted XXXX about this sent them faxes and email they are stating that it takes 10 days to read my letter. Very unprofessional and lousy attitude towards solving my problem having sold the account. They are not in a hurry to remove it and even though they promised to 2 years ago. Everytime the collection comes up in my account it dings my account 30 points. Please save me from these draconian monsters.
Complaint sub-issue: Account information incorrect

LexisNexis did not have permissible purpose, nor did they have my written instruction. I have attempted to resolve the issue directly with LexisNexis. Please see attached certified mail and receipts. 
According the FCRA, LexisNexis violated 2 of my rights : 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction
Complaint sub-issue: Problem getting a working replacement card

I contacted Citi by phone on XX/XX/XXXX and requested a replacement credit card for a new card ( ending in XXXX ) that was never received in the mail after being approved for it. I was told that a card would be expedited. I then called Citi back on XX/XX/XXXX and was told once again that a card would be expedited to me. The card never arrived after attempt # 2. I then filed a complaint with the CFPB. I was then lied to once again on the attempt # 3. On XX/XX/XXXX, XXXX XXXX from the Executive Response Unit stated in writing that a card was expedited to me on XX/XX/XXXX. It is now XX/XX/XXXX and the card still has not been received after 3 different attempts. How is this normal? 

My step is legal action as I was never able to take advantage of something that was advertised to me. Telling me I only have until XX/XX/XXXX to do a balance transfer is unjust ( and illegal ), especially since I haven't been able to utilize or take advantage of the offer. 
I have never had this issue with XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, or XXXX XXXX XXXX.
Complaint sub-issue: Account status incorrect

Agencies correectly report charge- off ( re disputed insurance claim ) XX/XX/XXXX Where they fail to comply with FCRA and other state and federal law is in showing activity on the account ( sometimes current or late payment, and or repetition of the charge- off info falsely showing as occuring in current month ) after the date of the charge- off NOTE : This is NOT a duplicate of previous CFPB complaints filed against the creditor, XXXX. This is also NOT an authorization for agencies to pursue this through their creditor dispute procedures. The agencies are specifically directed NOT to pursue this with the creditor. The dispute and complaint is NOT with the creditor, XXXX, but with the agencies- XXXX  , Equifax and XXXX XXXX .
Complaint sub-issue: Problem getting your free annual credit report

XXXX years ago I could access every report I wanted present time today I can not access all of my credit reports and I keep getting the runaround for help
Complaint sub-issue: Problem with rewards from credit card

XX/XX/XXXX we were sold a XXXX XXXX XXXX XXXX Credit card. At that time we were told it's " like a XXXX '' just spend against it and when your child turns XXXX, you can use it for college loans or books, etc. In XXXX XXXX XXXX a company named XXXX XXXX took over the rewards aspect of the card and supposedly sent us a letter stating they changed the program and that we would need to redeem our points every year to make the program work. We never signed anything, no email was sent, and WE NEVER RECIEVED ANY LETTER. We have been using the card like we were told but in XX/XX/XXXX, we called XXXX to see how the account was doing and they said we haven't been redeeming our points so nothing has really happened. We redeemed that day for @ XXXX dollars in points. However, we lost 6 years of compound interest. After contacting XXXX, they say it's an XXXX XXXX problem, and vice versa. This is an easy fix, but both companies are stating they can't do anything because a letter was sent. We never got any letter.
Complaint sub-issue: Debt was paid

They called me and we settled on an amount. I paid the amount over the phone. Now they keep reporting that we settled for a higher amount and I only paid partial amounts of the debt. They are doing fraud and messing up my credit score!
Complaint sub-issue: Account information incorrect

I recently checked my credit report and it showed a low score due to having too many inquiries. I did not authorize any inquiries besides the XXXX XXXX and the XXXX XXXX XXXX XXXX inquiries. XXXX XXXX did not have authorization to use my social security and pull my credit, nor did any other companies that show up as inquiries on my credit report. There have been no more than 2 inquiries in the last year. Please correct this false information it is hurting my credit score and preventing me from getting a loan!
Complaint sub-issue: Fraudulent loan

Reporting information with actual knowledge of errors a person shall not furnished any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cost to believe that the information is Inaccurate. 

And 623 subsection ( D ) The term reasonable cause to believe that the information is inaccurate means having specific knowledge other than solely allegations by the consumer that would cause a reasonable person to have substantial doubts about the accuracy of the information. 

XXXX and US bank violates this section due to the fact an extensive packet was sent to XXXX and an extensive packet was done at a US Bank location which means, they receive this information in real time. This information contain police reports, identity theft reports, federal trade commission reports, and supporting documentation to validate that a unprecedented Fraud situation has occurred. Enough information was provided that a person could reasonably determine inconsistencies and errors that would prompt any reasonable person to not re-report this information. Plus, we can not forget that US Bank sent a letter stating that they did not have this information which means, they acted prematurely in violation of several federal laws. 

U.S. Bank and XXXX were also provided information from local and federal law-enforcement as well as government agencies stating and certifying that my personal information was being used on a multitude of levels including to file taxes to request government assistance and several attempts were made to obtain a XXXX loan without my knowledge or consent. All paperwork in which this bank ignored.

Section 623 Section ( 6 ) ( a ) and ( B ) responsibilities of furniture of information to customer reporting agencies Information alleged to result from identity theft. If it consumer submit an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such report stating that information maintained by such person that reports to relate to the consumer resulted from identity theft, the person may not furnish such information that reports to relate to the consumer to any consumer reporting agency. 

US Bank failed to review the fraud packets that were done at their branch. US bank reported information without first reviewing the fraud claim. Because of this action, US bank violated this section.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have still items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. I am including those items mentioned above. 
Here it is : XXXX XXXX Balance : {$29000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit bureaus are reporting inaccurate information my credit on a business account that was charged off and fully paid by the business. This account should have never shown o n my personal report. Multiple disputes only resulted in computer generated responses from the credit bureaus with no proof of what they have investigated and how.
Complaint sub-issue: Other problem

I have a problem with a us bank credit card and us bank themselves for this issue specifically. I have a credit card ending in XXXX. I went to use it to pay a utility bill and it was denied two consecutive times. I called us bank credit card dept. to see if they knew why. The woman there found that I had clicked on the wrong month for the expiration date. I dont believe that I did that but whatever happened there she stayed on the phone as I tried again and it went through fine. This card was to expire the end of XXXX. I had received the replacement card about a month prior and had not yet activated it. This reminded me that maybe I should go ahead and activate it. I looked and didnt seem to be finding it. It is nearly impossible that anyone had stolen or taken it as I live alone and have had no break ins or visitors. I had just somewhat misplaced it. I thought maybe the credit card department could just send me a replacement so I called to see. I asked if they could do that and if there would be a charge for that. The woman said no charge and they could do that. I specifically asked if it would have the same account number as I had no interest in changing account number. If that would be I would just look for the card I already had as it is probably around. I was then expecting a replacement with my same account number. Within 24 hours I happened to be on the bank website and there was a notification that my current card would be deleted and would be inactive soon. I called and was told that the card was reported as stolen or lost. ( In the original call I never used the word stolen and if I did it was to say it was not stolen just misplaced. And if I used the word lost I explained that it was just misplaced. I was sure it was not lost at all. I also have the original card in my possession currently, it also is not stolen or lost. ) This woman now said that I would be getting a new card with a different account number and there was nothing that could be done to change the stolen/lost entry and this change. I called the next day during office hours and the woman I talked to there again told me nothing could be done to return my original account number. This is going to be a problem for me for who knows how long with accounts that are linked to this card and other inconveniences. I have had this number for a couple years and I even know the number by memory including the expiration date and security code. I do not want to change my card number. ( I in fact did receive the exact thing I requested, a replacement card with my same account number that same day but they would not activate it as they said that account was deleted. Someone at their company entered this improperly. ) Apparently this was done correctly initially but then someone/somehow it was changed to stolen/lost and the account was deleted. I called within 24 hours to correct this mistake and they would not do it. This policy or whatever is behind this is should not be and they should return my proper account number.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Credit report shows 5 Inquiries that are fraudulent, Need an extended fraud alert on my credit report with my number XXXX, am a victim of identity theft. 

the inquiries are XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, and XXXX XXXX XXXX on XX/XX/XXXX
Complaint sub-issue: Overcharged for something you did purchase with the card

Credit card was used to pay to vender for probate of grand fathers property with US Bank card and did not receive services or itemized work vender provided they were suppose to get death certificate for me and did n't they would not return phone calls or emails see attached emails they provided nothing for the {$1600.00} dollars I paid them and I have nothing
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/2021 i sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30days gives me reason to immediately remove those from my credit report it has been 60days so they should be deleted promptly. I demand these accounts be immediately deleted or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX. The credit bureau is refusing to remove two bankruptcies from my credit report that are not my accounts. I have never submitted nor filed for bankruptcy in my life. I am XXXX years old and I've been dealing with credit for a very long time. A recurring issue I've had to fight with the credit bureau about is that they will report other persons' accounts on my credit that are not mine. This has happened to me before and is the exact same situation that is happening with these two bankruptcy accounts. The first one has a filing date of XX/XX/XXXXwith reference #XXXX The second one has a filing date of XX/XX/XXXX with reference #XXXX
Complaint sub-issue: Was not notified of investigation status or results

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND 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 GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Complaint sub-issue: Information belongs to someone else

ATTN Fraud Department : Remove fraudulent accounts from my credit report.
Complaint sub-issue: Frequent or repeated calls

Calls from multiple lines, sometimes multiple times a day. They leave voicemails when there is an option with no content -- completely silent. There was no type of identification at all. At one point, my voicemail was completely full and could not accept new messages because they had left so many blank voicemails. I instructed them to stop calling and communicate via postal mail and the phone calls continue.
Complaint sub-issue: Personal information incorrect

The credit bureaus are reporting inaccurate/outdated/incomplete personal information.