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

My account with Nelnet was closed and transferred on XX/XX/XXXX. Recently it was reported as pass due dating back every month since it was transferred and closed. I have tried filing a disputed in XX/XX/XXXX that was just closed with no resolution. Then I spoke to experian who opened a new dispute which was closed the same day with no resolution according to the dispute center. Next I spoke with Nelnet that claims the last report that they sent was in XXXX of XXXX. They also claim that they have not received either of my disputes. I then email experian giving them over 72 hours to correct this mistake and have not heard back from them.
Complaint sub-issue: Old information reappears or never goes away

A while ago I disputed a collection account that appeared from XXXX  ( XXXX XXXX XXXX ) for a debt that was originally from XXXX XXXX. I disputed on the bases on NO Contract, No Validation and it was removed from my report with XXXX, Equifax and XXXX credit bureaus. Over the last week XX/XX/XXXX-XX/XX/XXXX it reappeared on all 3 bureaus again, with no notice or warning. Basically, this alleged debt was removed over a year ago after it was disputed, and then re-added within the last week. No notice from either credit bureau ( XXXX, Equifax or XXXX  ). I called all bureaus and asked that it be removed based on the the fact that it was removed after a previous dispute yielded No Contract or No Validation. I was told that it would not be removed but re disputed and would take up to 30 ( MORE ) days. Meanwhile this Inaccurate, Unverified, Non-Validated, No Contract alleged debt has done significant damage to my personal credit report and credit scores.
Either removed from all 3 credit reporting bureaus ( not able to re-add ) or Legal action filed against all parties involved
Complaint sub-issue: Their investigation did not fix an error on your report

On or around XX/XX/2019 I began corresponding with Equifax. I requested that Equifax send me verification of the alleged original signed consumer contract between myself and the creditor with my signature on it. I have sent three requests and they have failed to produce the contract that I requested. 

I noticed that they are receiving the request and then completing dispute the same day or a few days later, which means they are not making any effort to obtain the information. 

Equifax has stated that they have verified the accounts, but I did not ask them to verify the account. I asked them to provide me a copy of the original signed consumer contract between myself and the creditor. 

Per the FCRA Section 609, the credit reporting agencies are supposed to send me a copy of the original contract that I supposedly signed, which they are supposed to have by law. 

If Equifax can not provide the contract then they are not legally verifying my account. If the account is not legally verified by completing my request for a copy of the original contract then under Federal Law any unverified account must be deleted. They are responding by stating my accounts are verified, but I am disputing their right to report the account.

Equifax is breaking Federal Law and have not provided the contract that I have requested on three different occasions and are not making any effort to do so which is willful and malicious non-compliance. I can provide paperwork to substantiate my claim. 

I have also asked Equifax to investigate fraudulent inquiries on my credit report, but they have responded to state that they do not investigate inquiries, which is inaccurate. They are ignoring my request altogether. 

I will most likely file suit as I have had to do in the past, but I wanted to first explore the option of seeking your assistance first before moving forward.
Complaint sub-issue: Investigation took more than 30 days

Remarks : XXXX XXXX XXXX XXXX Account Number : XXXX Payment Status : Late Please Change to Current Payment Status Details : INCLUDED IN BANKRUPTCY Please Change to Paid or Paying as agreed Comments : BANKRUPTCY CHAPTER XXXX Please change to none XXXX XXXX XXXX XXXX Account Number : XXXX Payment Status : Late Please Change to Current Payment Status Details : INCLUDED IN BANKRUPTCY Please Change to Paid or Paying as agreed Comments : BANKRUPTCY CHAPTER XXXX Please change to None Reason for Dispute : I believe that this account ( s ) is invalid or contains incorrect information. Please validate these account ( s ) in its entirety or remove this entry from my credit report. Thank you. 

Public Records : Reference Number : XXXX Reason for Dispute : I believe that this account is invalid ( not mine ) and contains incorrect information. Please validate this account in its entirety or remove this entry from my credit report. Thank you.
Complaint sub-issue: Can't use card to make purchases

Im a XXXX  from XXXX and I arrived here in the United States on XX/XX/2022. I tried looking for a credit card that doesnt need credit scores in order for me to apply since I havent established yet because Im new here in US XXXX My friends recommended Discover credit card and I tried that one. The application was easy, they just ask for gross annual income, monthly rent, and personal information, then youre approved already. The arrival of the credit card was prompt, upon acquiring it, I immediately activated it to start building credit score. After a week, I received a call and an email that I need to provide them a notarized form and a 3 month bank statement, which obviously I dont have since Im new here in the US , so I cant comply with that. I told them that I arrived XXXX of XXXX this year, so I thought I will be given consideration, but unfortunately they sticked to their deadline, leaving me no choice but to close the account. But before closing, I paid the pending payment. I asked them if this will affect my credit score, they dont know. They said I should just call the credit bureau, but I dont have any idea with that. As a newcomer in a foreign land, Im quite nervous since it might affect my credit score and unable to apply for other companies or banks because of that scenario. My friends also face this unfortunate case. I hope this will be resolved soon and give peace of mind to us new XXXX  here in the United States. Thank you.
Complaint sub-issue: Information belongs to someone else

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud pursuant to Section 605B of Fair Credit Reporting Act. 
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: Problem with fees

I was ar home depot. As I checked out and was ready to use my bank card the teller asked me if I had a home depot card. I replied no. She told me if I signed up for a card I would get a 15 percent discount on my purchase. I hesitated and asked how long it would take? She said one minute. All i needed to do is write my name address and phone number. I wrote the info down along with my XXXX XXXX address. She said your all set. You will be getting your card in 10 to 15 days. I then went to swipe my card and she said not to pay until i receive my bill. I thought about it as it was only XXXX dollars or so. But i was glad i got the 15 percent discount. So i walked out the door. This was in late XXXX. I saw no bill in ten to fifteen days. Forgot about it. Finally got a bill in late XXXX or early XXXX. It. Had no Home Depot card and came with a XXXX dollar late fee. After several phone calls, prompts and getting nowhere I talked to a real person, whom I told that this was the first bill I had gotten. They were rude and acted like I was lying. I was so fed up I hung up the phone. Didn't no what to do or who to call. I thought I was being scammed. Making several more calls I realized I was dealing with Citi bank. At this time after many phone calls, being on hold for hours, I talked to a woman who gave me the home depot number. Talked to a supervisor who looked up my account info and said that they sent it to an address in New York that I hadn't lived at in ten years. Not once but the bill was sent there twice. I had a home depot card, but threw it out ten year ago. He understood the problem and I said would pay the bill for my purchase. No. Late fees. He said fine and sent me that bill which I received a few days later and payed.XXXX. Dollars. I was so stressed out that l swore never to shop at home depot again. One month later I got another letter from home depot. Thought it was my card that I planned to cut up. Inside no card with another bill saying thanks for my XXXX payment but now i owed XXXX with fees and interest. I nearly lost it. On the phone again with some girl, told her the whole story, she finally said she would get a supervisor on the line. This was Citi bank by the way. Finally after being on hold for ten minutes he was on the phone. He sounded like he was XXXX years old. I told him the whole story and about talking to home depot man. He told me like he was doing me a favor, that he would nock off one late fee. Before l lost it l hung up the phone..l know owe XXXX dollars interest and late fees and paid for my purchase when sent the bill. I'm all stressed out, my credit will suffer, I talked to a lawyer, he said we would win but lawyer fees would be more than I owe. He told me to call the attorney general. I did and she gave me this web site. These loanshark credit card companies are doing well during the pandemic. Thank you for anything you can do. Will supply documents if necessary.
Complaint sub-issue: Their investigation did not fix an error on your report

IN accordance with the Fair Credit Reporting Act, the list of accounts below have 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
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. XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX 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: Account status incorrect

I APPLIED FOR THIS CREDIT CARD AND HAVE NEVER USED IT. 
THE REPORTED ME LATE IN XXXX OF 2019 AND I HAVE NEVER EVER USED THE CARD THEREFORE NEVER HAD TO MAKE A PAYMENT OTHER THEN THE {$99.00} ANNUAL FEE THEY CHARGE ME WHICH I HAVE PIAD ON TIME
Complaint sub-issue: Information belongs to someone else

I have reached out to this company to let them know I do NOT agree with the false reporting of these accounts and this is still reporting on all of my credit reports. Per FCRA 15 USC 1681 my privacy rights have been violated I demand an immediate response or I will be contacting my Texas State Attorney General and federal courts. 
SEE ATTACHMENT
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of XXXX XXXX. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$550.00}
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX and I am XXXX years old. In early XXXX, I opened my first checking account only to find out that my identity was stolen. The bank officer showed me a copy of my credit report from Equifax and I saw that my credit had been used since 2016. I called and talked to someone from Equifax and they asked me to send proof of my identity ( ie. social security card/driver 's license ) so I could get a copy of my credit report. I sent the information off the next day and it Is XX/XX/XXXX and I still have not heard from Equifax. I really would like to get a copy of my credit report so that I can start the next chapter of filing a police report for identity fraud and get this removed from my credit report because I am just starting out in life and would love to have a clean slate. I hope that you are able to help me with this endeavor. 
Thank you, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Please help me get rid of the errors in my credit report. I have been trying for several months.
Complaint sub-issue: Used obscene, profane, or other abusive language

TODAY ON MY LUNCH BREAK AROUND XXXX XXXX ARIZONA TIME I CALLED BACK A MISSED CALL TO XXXX A REP ANSWERED TOLD ME THE CALL MAY BE  MONITORED I SAID OKAY THIS IS ME WITH THAT LAST FOUR, SHE SAID SHE WAS CALLING FROM D2 MANAGEMENT LLC REGARDING A BILL FROM XXXX I BELIEVE I TOLD HER GOSH I HADN'T HEARD ANYTHING ABOUT THAT IN A VERY LONG TIME THAT WASN'T MINE AND INSTEAD OF ASKING FOR A POLICE REPORT NUMBER OR IF I HAD REPORTED SHE SAID, " THIS WOULDN'T BE HAPPENING IF I PAID MY BILLS '', I THEN ASKED HER FOR A SUPRVISOR, THIS WOMAN PLACED ME ON A 6 MINUTES HOLD TRANSFERED TO ANOTHER BUILDING, I GUESS THEY 2 BUILDINGS FOR THIS COMPANY AND THE REP I WAS TALKING TO DIDNT EVEN WORK IN THIS ONE. I GOT THE GENERAL MANAGER WHO COULD ONLY TELL ME THAT THE REP WAS XXXX. WELL, HOW DISGUSTING TO TALK TO ANYONE THAT WAY, YOU MAKE IT HARDER FOR PEOPLE TO PICK UP THE PHONE MUCH LESS SOMEONE THAT WAS WILLING TO TALK, THE CONVERSATION NEVER HAD TO GO THAT WAY. I HAVE THIS CALL ON RECORDING AS MY BOSS WAS RIGHT NEXT TO ME IN THE VEHICLE TODAY GOING TO LUNCH, HOW DISAPPOINTING. I HOPE NO ONE EVER GETS A CALL FROM THIS COLLECTOR AGAIN. IT SHOULD BE HABIT TO COLLECTION REP NOT TO ARGUE OR TALK DOWN TO ANOTHER PERSON AND TELL THEM TO PAY THERE BILLS NO MATTER WHO I AM ON THE OTHER LINE.
Complaint sub-issue: Information belongs to someone else

These accounts are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing how these accounts was opened without my full consent. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. 

XXXX **** {$6000.00} XX/XX/XXXX XXXX {$18000.00} XX/XX/XXXX FTC report is included and these accounts are included in it.
Complaint sub-issue: Was not notified of investigation status or results

I'm here to ask for your assistance with regards to my dispute XXXX days ago. I wasn't notified of any investigation taking place nor it's results. I hope that the accounts mentioned on my dispute will be deleted since all of them were misleading and falsely reported as being mine. Also, it's already past their investigation so everything must be deleted.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Federal Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights. 

US BANKRUPTCY XXXX XXXX XXXX XXXXXXXX. U.S. Bankruptcy XXXX XXXX XXXX. This has been reported by a third party company and not by the United States Bankruptcy XXXX in XXXX. An attached document has been provided by the United States XXXX Bankruptcy XXXX. 
XXXX XXXX # # # # # XXXX XXXX XXXX XXXX- # # # # # # 15 U.S.C. Section 602 A. States I have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Received bad information about your loan

My loans have been in deferment because I am in school. This semester is the first that I am not a full time student. I received an email at XXXX this morning ( XX/XX/XXXX ) from my loan servicer that I had a new billing statement. The billing statement was dated XX/XX/XXXX and stated that I owed over {$1200.00} and that it was due on XX/XX/XXXX, which means that I am delinquent without ever having had a chance to pay the bill. 

When I contacted the loan servicer today, they could not explain why this had happened nor did they suggest a solution to the delinquent payment. The supervisor I spoke to essentially told me to sign up for an Income Driven Repayment program and that if approved, they would " forgive '' the delinquency. No other solutions were offered.
Complaint sub-issue: Debt resulted from identity theft

I was told I had a phone services and I haven never had these phone services. I currently have XXXX and been with them for over XXXX years.
Complaint sub-issue: Company closed your account

My name is XXXX XXXX. XXXX years ago I opened a landlord/tenant security deposit at NBT Bank XXXX XXXX XXXX XXXX XXXX. I opened the account with the branch manager XXXX. Recently my tenant moved out so I went on XXXX to retrieve her security deposit with any interest. I was told by the teller that the account had a XXXX balance. I explained how this was impossible and asked her to double check, upon some investigation the teller learned the money had been withdrawn by the bank yet the account wasn't closed. I waited an hour and a half to speak with the branch manager ( same person I opened the account with ) who stated the account was deemed dormant and the money was given to the state. He told me not to worry and he would get it resolved, he stated that tenant security accounts are not supposed to go dormant and the account was indeed set up properly. He later called me at home to tell me the State had the money and the woman ( my tenant ) would have to retrieve it from there. I feel I am responsible for returning this security deposit to the tenant, she has been patient but explained to me she needs the money for upcoming expenses. This mistake was clearly and admittedly the banks fault. Whether the account was set up incorrectly or not is not my problem. I followed the state guidelines with tenant security deposits. The branch manager XXXX  later checked again and reported to me the account was set up properly ... they keep passing the buck as to who's fault it is. Either way, it wasn't mine! My main concern is I have checked the state website for unclaimed funds on my tenants behalf and the funds are not even there! This is an erroneous error that needs to be rectified.
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, 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: Investigation took more than 30 days

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated XXXX XXXX ( XXXX ) XXXX  ) by failing to mark this disputed account as disputed XXXX ( XXXX ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating XXXX XXXX per the XXXX opinion.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have inquires on my Equifax credit report that I don't recognize nor did I authorize
Complaint sub-issue: Right to dispute notice not received

I recieved a called from Hunter Warfield claim to be a collection Company. Said that i had i had a debt with XXXX XXXX for XXXX. Guy was very rude never identify me with the particular debt or even said is this your account or not just began talking. Told him thats not my account. I want to dispute it. Told me i couldnt dispute it. They continually call my phone at XXXX at night. Their not following correct procedure on collection.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I wrote  XXXX , Equifax, and  XXXX  in  XXXX  asking for help. They have not answered me. I filed a complaint and put down a friend I know who does free advocacy work for people needing help with credit. The response was the  3rd party  is not authorized.   Whatever. I am resubmitting this myself, no help from anyone. I do not understand why they just are refusing to help me. I know if they truly look at my issues they will find errors. I am having the same issue with the other  XXXX  credit bureaus. That 's collusion against me.   Is n't this illegal? Is not all of this illegal???   Please help.
Complaint sub-issue: Funds not handled or disbursed as instructed

I use a app called XXXX XXXX in which I am able to get money daily for the work I do. They front the money to me and my account is automatically debited on my payday. The problem is my bank does n't send the info fast enough to active hours so that they know they were reimbursed.