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

Requested description of investigation results of incorrect/unverified reporting accounts on my credit report as per federal law FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Also requested original documentation with my signature of incorrect/unverified reporting accounts as per federal law FCRA 609 ( a ) ( 1 ) ( A ). 
Request was made XX/XX/XXXX, as of XX/XX/XXXX still have not been provided a copy of requested documentation. This is against my federal rights.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the following creditors have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXXXXXX ( 3 inquiries ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A . States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Can't temporarily delay making payments

I have been paying on loans through Nelnet that were transferred in 2006. The original loan amount was just under $ XXXX for a XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX. While my initial payments were smaller due to income driven repayment, for the last 8 years ( at least ) I have been paying over {$500.00} a month toward these loans. According to them, I owe them over $ XXXX and my payments never lower the amount I owe. I work hard XXXX XXXX XXXX XXXX but according to them, did not qualify for the COVID pause so when they deferred payments for me for 6 months, interest continued to pile up regardless of being a XXXX XXXX XXXX  who actually XXXX XXXX XXXX XXXX XXXX XXXX XXXX  who required acute care when other health care professionals refused to care for them out of fear. I am a proud American citizen whos only request is to be treated fairly. Please help me. The only time my loans were deferred were when I was supporting my family, my daughters family, and my elderly parents who also worked hard their whole lives only to be left struggling to pay their bills after retirement. I just wish to be treated fairly. Please help.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX and XXXX XXXX sent the ftc and affidavit to them with no results
Complaint sub-issue: Investigation took more than 30 days

Mortgage / Real Estate account is reporting incorrectly as closed. Should be Current / Paid, on time, with a balance of {$190000.00}. Attached is XXXX  the creditor 's response to the Consumer Financial Protection Bureau, and North Carolina State Attorney 's General Office, stating that it's been reported to the three major credit bureau 's. Yet, this information has not yet been updated on my personal credit report, for over 90 days now this information has been incorrect, disputed, and still not reporting correctly.
Complaint sub-issue: Debt was paid

this was solved and closed back in 2013 this was solved and paid for. this was already solved correctly. back in 2013 iphone 5 was stolen and old account was paid for fully was solved and closed.
Complaint sub-issue: Account status incorrect

A previous account was disputed. The debt was not verified. It was deleted from my credit bureau. It was re-inserted on my report, using a different account number to reflect it as a new account. I was not made aware of the reinserted collection by any of the credit report bureaus.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX account 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 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions. 

XXXX, XXXX Account # : XXXX XXXX Account Type : Installment XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Automotive : XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX Automotive : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXXnce : XXXX XXXX XXXX CO XXXX : XXXX XXXX XXXXXXXX Automotive : XXXX XXXX XXXX Finance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Finance : XXXX XXXX XXXXXXXX Finance : XXXX XXXXXXXX XXXX XXXXXXXX Finance : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Finance : XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance : XXXX XXXX XXXX XXXX Finance : XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX Finance : XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Finance : XXXX XXXX XXXX XXXX  XXXX Automotive XXXX XXXX XXXX XXXX Automotive XXXX XXXX XXXX XXXX XXXX Finance : XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX Finance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX Finance : XXXX XXXX XXXX Home Furnishing : XXXX XXXX XXXX Finance XXXX
Complaint sub-issue: Didn't receive terms that were advertised

Citibank advertised {$700.00} cash bonus for opening a new checking account with {$50000.00} minimum deposit. I opened the account on XXXX XXXX and maintained the balance for 60 days per the terms. It has been over 90 days and Citibank refused to honor the bonus as advertised.
Complaint sub-issue: Debt is not yours

I have sent a notice to AR resources via fax on XX/XX/XXXX at XXXX to fax # XXXX XXXX XXXX to validate that I do n't owe this debt. The company had 10 days from the time they received the notice to respond to me. they have not responded and they have not removed the item from my credit file. When I called them on XX/XX/XXXX, they said they have to dispute the debt with the original creditor. I have no agreement or contract with the collection agency. They refused to update their records. I have attached the document i sent them. This is hurting my credit from getting loans and paying higher insurance rates.
Complaint sub-issue: Report improperly shared by CRC

as usual they are still stateing that I am indeed that woman with the messed up credit. all so they have given me to social security numbers same as before XXXX is mys. the other XXXX belongs to the person who bad credit belongs to .also they Equifax are stil reporting that Iam a full time student and previous jobs that I work at and still saying that the XXXX Bill is mys ..
Complaint sub-issue: Their investigation did not fix an error on your report

Contacted all 3 major Credit Bureaus with regards to an account that is showing up on my report from XXXX/XXXX and asked that it be removed from my credit report. This account was from supposedly from XXXX XXXX. I contacted XXXX XXXX and they confirmed on XX/XX/2021 at XXXX XXXX Central Time that this account could not be found in their system and that they had no knowledge of the account. I spent over an hour on the phone with a XXXX XXXX representative named XXXX. 

I asked that this account be removed from my reports as it could obviously not be verified. I have submitted disputes multiple times with each credit bureau and they all respond that the information is correct in less than 7 days. This is an impossibility!!!! 

This account needs to be removed from my account according to the FCRA Section 604, 609 and 611. They can not positively verify this account. I attempted to cofirm this account with XXXX XXXX and could not so there is no way that they could possible have followed the correct protocol and followed the FEDERAL LAW with regards to this account.
Complaint sub-issue: Their investigation did not fix an error on your report

1. Equifax has erroneously listed a hard inquiry from XXXX XXXX on my credit report. 
2. XXXX has confirmed a ) they have no record of this inquiry b ) they have no record of me requesting credit and c ) I am not a customer of XXXX. 
3. This is an Equifax error. I have disputed this with Equifax several times. I have explained that the error was Equifax 's, and Equifax has failed to remove this hard inquiry from my report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, a consumer, the natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

Certified Mail # : ( XXXX XXXX  XXXX XXXX XXXX )
Complaint sub-issue: Received bad information about your loan

XXXX Student Loan From what my account is showing is that interest should be accrued at a variable rate of 7.42 %. I have realized that interest is actually being accrued daily at a rate of 7.43 %. 

I have had an accountant look at the loan and the accrued interest is not what they are tell me the rate is.
Complaint sub-issue: Funds not received from closed account

In XX/XX/XXXX I opened checking account with PNC bank when I started to work in the US ( XXXX, PA ). When I left the US I asked bank for international use of debit card. In XX/XX/XXXX PNC bank issued new card valid till XX/XX/XXXX. In XX/XX/XXXX I moved to XXXX ( I am XXXX citizen ). But on the XX/XX/XXXX of XX/XX/XXXX, I received letter from PNC, that my account closed on XX/XX/XXXX without explaining the reason. My debit card was blocked also without explaining the reason. I send letter through secure online banking message center, but only on XX/XX/XXXX I received letter with cashier 's check for the balance of XXXX XXXX. My bank in XXXX refused to deposit cashier 's paper check on my account and recommended me to use electronic transfer saying that this is usual internetional banking practice. I tried to find other bank or company in XXXX to cash out the PNC check, but nobody here accept paper check any more, in the era of smartphones and electronic transfers. My XXXX XXXX expired and I can not go to US to collect the money ( almost all my saving, I am adult and money for medicine ). On XX/XX/XXXX I sent complaint to PNC bank to inform the bank about impossibility to deposit check in XXXX and asked to annul the check and remit money via XXXX electronic transfer or through online banking or through my debit card to my account in XXXX ( complaint Reference Number XXXX ). But on XX/XX/XXXX PNC bank refused XXXX trasfer and refused to accept the return of the check, cynically apologizing for inconvenience for preventing me from the access to my money. As a result, from XX/XX/XXXX I have no access to my money that I entrusted the bank and do not see any way out of the situation. On XX/XX/XXXX, 6 months after issuing the casier 's check, it will be post-dated and I will loose even theoretical possibility to get my savings. PNC bank completely ignored my interest as customer and refused to cooperate to solve the problem. It was PNC bank who initiated closing of checking and saving account and bank should did everything to protect my interests, but didnot. Nobody asked me what is the suitable way of remitting the balance to me. Please note, that my account was closed immediately after I informed bank about relocation to XXXX. The bank knew that they use antiquated paper system that doesnot work outside the US.
Complaint sub-issue: Account information incorrect

XXXX XXXX  account number XXXX is wrongfully appearing on equifax, XXXX  and XXXX  credit bureaus.on XX/XX/XXXX i paid XXXX dollars cash for a {$170.00} charged off amount in XXXX.the date of first delinquency was in XX/XX/2015. 
XXXX XXXX  in violation of CALIFORNIAS ROSENTHAL FAIR DEBT COLLECTION PRACTICES ACT CHARGED ME AN XXXX DOLLAR FEE TO PAY THEM THE XXXX DOLLARS CHARGED OFF ON ALL THREE CREDIT REPORTS. 
ORIGINALLY THEY TRIED TO TELL ME I OWED {$360.00} TO PAY THE {$170.00} DOLLAR CHARGE OFF OF XXXX.THE PAYMENT HISTORIES HAVE ALWAYS BEEN INACCURATE ACCORDING TO THE FCRA AS WELL AS THE CHARGE OFF DATE THAT THE FCRA ALSO PRESCIBES THE CORRECT METHOD AND DATES. IN ANY CASE " PAY ME '' FEES ARE ILLEGAL IN CALIFORNIA IN ANY AMOUNT OF MONEY. " PAY-ME '' means fees charged to handle payment of the original debt, to accept payment of the original charged off debt. 
THIS ACCOUNT WITH PROOF OF THE ABOVE ATTACHED HERE SHOULD BE IMMEDIATELY DELETED FROM THE BUREAU 'S CREDIT FILES.
Complaint sub-issue: Trouble with how payments are being handled

I have made 44 qualifying public service loan forgiveness payments. However, XXXX XXXX is only qualifying 25 payments because they say a. ) I was not employed from XX/XX/2015 until XX/XX/2015 when I was and have submitted that evidence and b. ) I was in " paid ahead '' status and did not apply my extra payment to principle so they could disqualify my payments for the last several months.
Complaint sub-issue: Debt resulted from identity theft

I called a XXXX in which I had a credit card with them 5 years ago and want to pay the XXXX I owe to establish my credit. They referred me to XXXX XXXX, XXXX XXXX referred me to another company at that same time they stated that I also had another account on my credit and I said that I had no idea what that was I asked if they knew and they stated they could not see in the computer but to call Allied. I called allied and they stated that there is a XXXX XXXX XXXX account from 10 years ago. I told them ten years ago I was in jail and it is impossible that the account is mine. I told them that it had to be identity theft and I also told them that under the FCRA that it was outdated and they should not be trying to collect. The guy on the phone who I could barely understand said well what do you want me to do? I said I want you to delete it immediately. I am writing you because this is outrageous. I need to get this situation rectified. I am trying to buy a home and it is impossible to buy a house without these credit companies and debt companies following the laws.
Complaint sub-issue: Investigation took more than 30 days

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was an Incorrect Account which is : XXXX XXXX XXXX CO XXXX Date opened XX/XX/XXXX Balance {$37000.00} on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT XXXX and hoping that this XXXX Late payment XX/XX/XXXX 30 days late will be removed.
Complaint sub-issue: Can't temporarily postpone payments

I called Sallie Mae to try and get options for repaying my student loans. Currently, I am unable to pay them, as they are over half my monthly salary. I am trying to do the right thing, but they are not willing to work with me for repayment. I want my student loans completely erased.
Complaint sub-issue: Debt was paid

My name is XXXX XXXX XXXX XXXX, I am the original creditor, natural person, and consumer moving in commerce on behalf of my estate. I have been reaching out to this Collection agency, demanding that they delete all of my information out of there system because they are a third part company that I never did business with. I never gave them consent to have any of my information. They are infringing on my privacy. They are regulating under the FDCPA, in which they are violating there laws. This is abusive practices because this in hindering my lively hood. I never gave them written consent to have any of my information. 15 U.S. Code 1692b - Acquisition of location information- ( 2 ) not state that such consumer owes any debt ; I called them 56 times today every call they stated that they were attempting to collect a debt. Therefore they are violating my rights. I also demanded that they delete all of my information out of there system. And everytime they refused that they wouldnt, and told me I had to pay. Those responses made me feel that I am being extorted and if I dont pay them I am going to continue to be forced to be stagnant in life because this collection is hindering my well being. ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Also, ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or
Complaint sub-issue: Public record

I filled Chapter XXXX bankruptcy in XXXX and was discharged in XXXX. I included all debts including the referenced account XXXX XXXX which has now been removed from my credit report previously. The account is now showing back and is duplicated -showing as XXXX negative accounts both owing the same amount of {$5500.00}. 

Open Account # XXXX {$5500.00} Balance XXXX XXXX Original Creditor {$5500.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility Consumer disputes this account information Remarks Account # XXXX {$5500.00} Balance XXXX XXXX Original Creditor {$5500.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility Consumer disputes this account information Remarks
Complaint sub-issue: Didn't receive notice of right to dispute

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX  XXXX / {$9400.00} / XX/XX/2022 XXXX XXXX / {$3200.00} / XX/XX/2022 XXXX / {$1200.00} / XX/XX/2022
Complaint sub-issue: Debt is not yours

This account is from services that was not given too me but someone using my information.I had State issued Medi-Cal at that time and would not have been billed for any services.I have had State insurance since " 1985 '' and have continued today.I have ask for validation of this debt several times from this company whom has only advised me to contact the original creditor " XXXX XXXX XXXX '' which I have and they seem to be a very dysfunctional organization with little concern or corrective support.This collection company " XXXX XXXX XXXX '' has not been in compliance with FDCRA and I have not been able to get them to comply.
Complaint sub-issue: Information belongs to someone else

TO : Consumer Financial Protection Bureau FROM : XXXX XXXX XXXX Dear Consumer Financial Protection Bureau ; I filed a dispute with Equifax for an invalid bankruptcy report that has been on showing up on my Equifax credit report since 2012. 

I have never had a bankruptcy, nor been in the District Court where it was discharged. 
I have been a victim of mistaken identity, and It clearly belongs in someone else 's file. 
There are many " XXXX XXXX 's '' out there. 

I have unable to resolve this issue with Equifax, despite repeated attempts to do so, including purchasing their consumer monitoring product. I did file a dispute with Equifax, but have been unable to view their results on line. I have also been unsuccessful in contacting them by phone. Dealing with Equifax ( and other credit reporting bureaus ) has been beyond frustrating, if not impossible. 

The bankruptcy error, ( which doesn't show up on my XXXX  or XXXX  Credit reports ) continues to show up on my Equifax report. Equifax has made it impossible for me to resolve this issue, and has made it difficult for me to obtain bank loans or other financial products due to the erroneous bankruptcy on my record. 

I am deeply frustrated with this issue, which is why I am appealing to you for help. 

I have been a victim of mistaken identity, and I would like for this erroneous bankruptcy to be permanently removed from my credit report. 

FACTS : - The Bankruptcy in dispute is listed under " Public records '' on my Equifax report. 
- It was discharged on XX/XX/2012 on District Court in XXXX, MA - The reference number on the credit report is : XXXX - This bankruptcy continues to show up on my Equifax report. 

Thank you, XXXX XXXX XXXX XXXX # XXXX ( XXXX ) XXXX XXXX Mailing Address : XXXX. XXXX  XXXX XXXX, Maine XXXX Physical Address : XXXX XXXX XXXX XXXX, Maine XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

In mid XXXX, I pulled my credit report from Equifax in light of all the recent breaches. On there I noticed 2 public records that do not belong to me. I disputed them and they came back to me on XX/XX/XXXX stating that they belong to me and it was verified through a 3rd party XXXX XXXX. I never gave XXXX XXXX authority to have my personal information neither did I give Equifax authority to give my information to someone else. I also researched the information they are reporting and find that the XXXX County Register does not report to the credit bureaus and furthermore does not have the information they are reporting in their records. 

Furthermore, starting XX/XX/XXXX, the three major credit reporting companies Equifax, XXXX and XXXX were impose with stricter rules on the public records they collect, requiring each citation to include the subjects name, address and either their Social Security number or date of birth.  which they do not! 

My name is a common name and with all their neglect and exposure of my credit file I am asking you to help me to get them to remove these two files from my report. 

Case # XXXX XXXX County Register of DeedsXX/XX/XXXX Case # XXXX XXXX County Register of Deeds XX/XX/XXXX These accounts are not listed on no XXXX or XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Ive made several attempts all with the same result of them sending a generic we have determined this debt is yours without addressing it in a real manner. Im moving forward with attorney XXXX in suing under the FCRA, there were other errors as well that will be listed in the suit. Additionally I was unable to secure a mortgage in time so that will be added to the damages section of the lawsuit. Was hoping you can send me any information or correspondence you have had with equifax regarding this matter.