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

Good Morning! 

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Complaint sub-issue: Debt was paid

I dropped XXXX due to charges on my bill that were incorrect. These were overage data charges, which I had XXXX alert me when our family would be going over the data plan, which they had BUT in this particular month, they did not for some reason which left my phone bill which would be normally {$300.00} to {$1000.00}, in which XXXX only agreed to discount {$200.00} for being a loyal customer. Cell phones were returned to XXXX - collection noticed mailed out to me about a month later with the amount of the outstanding charges AND the XXXX cell phones.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/18 a dispute was sent to company regarding XXXX XXXXXXXX XXXX # XXXX {$3100.00} and XXXX XXXXXXXX XXXX # XXXX {$940.00}. Per the certified mail receipt, dispute was received by company on XX/XX/18. FCRA gives the company 30 days to respond. Today is XX/XX/18 and I have yet to receive adequate response.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Two accounts are showing on my credit report, for one company and one delinquent account which I have. The account in question, deals with XXXX XXXX XXXX. I've only had one defaulted credit card with them. However, its showing up as a " Factoring Company '' in Closed/Delinquent status with XXXX XXXX XXXX for the amount of XXXX. Factoring companies are for the collection of a debt that is in active status and hasn't been turned over to collections. I haven't been able to dispute these two accounts as the same account, can only do them individually. XXXX XXXX XXXX has never responded to a dispute, it has been pending since XXXX XXXX when I submitted my dispute and it is now XX/XX/XXXX. The other account is with The Bureau 's Incorporated, again listed as a collection Agency in XXXX IL, for XXXX XXXX XXXX in the amount of XXXX You will notice that the amount for XXXX is exactly double the amount for The Bureaus. I would like the original debt Validated, and for ONE collection agency to report. Double reporting is a violation, as well as a factoring company to report unless the account is active and not in collections. How do I get both of these accounts looked at as one and  anything pertaining to XXXX XXXX be listed one time.
Complaint sub-issue: Their investigation did not fix an error on your report

THIS IS NOT A NEW COMPLAINT. 



RE : CFPB COMPLAINT # : XXXX XXXX XXXX XXXX  # XXXX This is a resonse to Citibank 's letter to CFPB. 

Citibank has reported late payments on my credit card for XX/XX/2021, XX/XX/2021 and XX/XX/2021. 

In their letter to CFPB Citibank asserted that they did not receive payments during XXXX, XXXX and XXXX of XX/XX/2021. 

I have attached copies of my bank statements for XX/XX/2021, XX/XX/2021 and XX/XX/2021 showing that All REQUIRED payments have been made on time. 
These payments were paid electronically. 

Citibank must correct their mistake and reinstate my good credit. 

XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

I previously complained about XXXX XXXX. They stated my issue would be resolved by XX/XX/XXXX. They called on XX/XX/XXXX to say it would not be resolved for 2 plus weeks. They have the information about their practices and their deceptive dealings with customers and they are stalling in a resolution
Complaint sub-issue: No notice of investigation status/result

The credit bureau did not give me a proper investigation in accordance with the FCRA. I asked them to send me the names of the individuals they contacted for verification, along with their addresses and phone numbers so that I can follow up with them. Had to remind them that they have 15 days to comply with the law by providing the requested information in compliance with FCRA, Section 611, part B, subsection ( iii ). Still no complete investigation. I asked them to verify the following questions which I have the right to : 1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2. What certified documents were reviewed to conclude your investigation? 
3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
4. What did it cost your company to obtain the documents needed to complete your investigation? 
5. Please provide proof of your timely procurement of certified documents. 
6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019 a letter was sent to fed loan in regards to a consolidated loan/deferrment that was approved but does not reflect on credit reporting. Account shows current however in credit reporting shows 90 days late
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

Over the past three years I have reported to all three credit companies on inaccurate information and accounts being reported. Equifax is the only company reporting inaccurate information after having reporting this issue to them more that 7 time. They have fail to provide written proof of signature or any valid proof between myself and these companies who they claim I have debt with. The other two credit companies have investgated my claims on these same accounts and have since removed them due to lack of absolute proof that these accounts are mine. Also the amounts on these accounts have gone up since I first reported one being this XXXX XXXX that I have never lived it started off at XXXX and now its at XXXX for a apartment that I have never lived at nor had any contact with they are reporting addressing in the city of XXXX XXXX that I have never lived after they where removed due to inaccuracy, social security number that doesn't belong be me nor have I XXXX XXXX XXXX have ever used. This is the third time this year in 2018 I have reported this. Each time i have side something the all the information in the accounts change dates, balance everything thing and these accounts aren't mine.
Complaint sub-issue: Information belongs to someone else

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX. 

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$6000.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$2600.00} Reason : Account is fraudulent Account Name : XXXX XXXX  Account Number : XXXX AMOUNT : {$21000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$180.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$220.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$370.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$130.00} Reason : Account is fraudulent Account Name : XXXX ( XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : XXXX ( XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$980.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$700.00} Reason : Account is fraudulent Account Name : XXXX XXXX ( XXXX XXXX ) Account Number : XXXX AMOUNT : {$260.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) Account Number : XXXX AMOUNT : {$230.00} Reason : Account is fraudulent Account Name : ORIGINAL CREDITOR Account Number : XXXX AMOUNT : {$290.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$700.00} Reason : Account is fraudulent Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Other problem getting your report or credit score

Today XX/XX/2022. Equifax is making it difficult for individuals to obtain a copy of their credit report. I passed verification online and was able to create an account and then was unable to log in and was told to call their 800 number. I then went through an automated system for about 4 minutes and finally pressed " ) '' for an agent. The agent came on the phone and I provided her all my personal information and then she stated she had to ask me a security question. which I was fine with. She asked me if I have a home, auto, bank loan who provided the loan the amount of the loan and the payments I make. I told her the only loan I have is student loans and I have multiple accounts. She then asked how much is the loan I told her it's over sixty thousand dollars in loans I do not know the exact amount. I then asked to be transferred to someone else and then the next rep told me I would have to tell them account numbers and amount for each loan I have to verify my identity. I then stated I was reporting them because that is completely outlandish way of asking a person verify their identity. She then stated she was checking the online account and also stated she did not XX/XX/XXXXlocked. but I got off the phone and let her know I was reporting them for withholding my credit report.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I opened my secured discover card account XX/XX/2018 and was told after seven billing cycles, my account would be considered for unsecured. Its been almost 14 cycles and I hasnt been converted to an unsecured account. I have great payment history with Discover. And I love the cash back benefits but every time I contact customer service to speak about my account, Im given the same response of, it takes seven billing cycles .... I explained to the agents that if they look at my account theyll see Ive had it open longer than seven cycles but still Im never able to get a real explanation or reason why.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXXXXXX Balance : {$930.00} XXXX XXXX XXXXXXXX Balance : {$920.00}
Complaint sub-issue: Investigation took more than 30 days

Equifax, XXXX  and XXXX  are reporting information that is not mine. On XX/XX/2020 and on XX/XX/2020 I sent them correspondence via certified mail with return signature and they have yet to remove incorrect items that are a result of SEVERAL DATA BREACHES I HAVE BEEN A VICTIM OF. with written proof. This a violation of the FCRA for proof of verification being mailed to me bearing my signature for proof of DEBT FROM THE Following companies. 
1 XXXX XXXX XXXX 2 XXXX XXXX 3 XXXX XXXX 4 XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

EQUIFAX I DID NOT Authorize or INITIATE THE FOLLOWING INQUIRES. THE CAR COMPANY PLASTERED MY CREDIT RUNNING MULTIPLE REPORTS. DELETE REPORTING! 
XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks ( XXXX ) XXXX XXXX  Inquiry : XXXX XXXX, XXXX Credit Unions ( XXXX ) XXXX XXXX, XXXX. 

Inquiry : XXXX XXXX, XXXX All Others ( XXXX ) XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX 

XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX All Banks XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Complaint sub-issue: Don't agree with fees charged

Sometime during the month of XXXX, I called Nelnet to switch my automatic student loan payment from one checking account to another. I went ahead and made my XX/XX/XXXX payment from my old checking account and was told by Nelnet that my next payment will automatically debit out of my new checking account in XXXX. During the month of XXXX I checked my new checking account regularly to see if the student loan payment had been automatically debit from my account. It had not. I eventually checked my old checking account and revealed that Nelnet had continued to bill my old checking account which charged me over {$90.00} in late fees due to insufficient funds. I contacted Nelnet and they reviewed the XX/XX/XXXX phone call and confirmed my payments should have been switched to my new checking account but in order for them to return my money I had to send them bank statements showing the amount that came out of my bank account. I have sent Nelnet XXXX seperate copies of my bank statements over the last 3 weeks and they somehow still do not have copies in order to pay me my money back. I have had my bank send copies and I have also personally sent copies from a secure server at the XXXX I work at. There is absolutely no way they have not received the copies. I called yesterday to receive a copy of the phone call I had in XX/XX/XXXX with a customer service representative but was told I would have to get that information subpoena to court that they would not release the information. I understand if I am out {$90.00} so be it, but it is the principle that these big time student loan companies can do as they please and get away with it and no one can stand in their way.
Complaint sub-issue: Information belongs to someone else

Open credit card accounts : XXXX XXXXXXXX XXXX XXXX Reported XX/XX/2018 Balance : {$380.00} / {$300.00} XXXX/XXXX Reported XX/XX/2018 Balance : {$590.00} / {$500.00} " Identity Theft Victim / Equifax Data Breach '' I never authorized ( authorization ) too pull / view my credit report too open accounts!!!
Complaint sub-issue: Debt is not mine

Im being harrassed about a debt i did not owe to the original creditor. Ive asked them to stop contacting me and to remove the derogatory mark from my credit report they have refused.
Complaint sub-issue: Problem with fees

Audited my card transactions on XX/XX/XXXX and noticed my automatic payment did not get applied. I then see a late payment fee and interest. I call ( waited 45 minutes ) and was told that nothing could be done about the late fee because technically my payment is late. I told the representative that it wouldn't have been late if my automatic payment was processed. She then claims my automatic payments were canceled online! By who? I didn't. Look at my payment history. Automatic payments for YEARS. Why would I change that? She then states that they sent me an email ( I didnt get it ). But as a good will gesture they would refund the interest! After being with them since XXXX thats how they treat me! They are refusing a credit on the late fee. Bad business! 

Chatted online on XX/XX/XXXX and XX/XX/XXXX with the same results. Asked to call a number that just hangs up on me.
Complaint sub-issue: Investigation took more than 30 days

This account is not mine. I never own this account. I'm not liable for this account. This is wrong and offensive to me! This account belongs to someone else.
Complaint sub-issue: Problem with product or service terms changing

As part of an identity verification after failing to receive verification codes via text, the Social Security Administration uses Equifax for soft inquiries. SSA sent a letter to my attention with a verification code and stating that Equifax will be used, which means my credit freeze with them has to be lifted temporarily. The SSA letter has an expiration limit and Equifax 's website has been down and I can not lift the freeze. I attempted to call them and received the same answer, their system is down. How then can someone finish this process. Equifax needs to be held accountable or shut down.
Complaint sub-issue: Can't use card to make purchases

Your pre-prepared catagorization of complaints doesn't well fit my complaint, which I will express below by ( 1 ) & ( 2 ) expressing absolute facts about consumer credit, then ( 3 ) asking what should be rhetorical question and provide what I think is an reasonable and appropriate answer. 

( 1 ) Canceling a credit card damages a person 's credit rating. This is an absolutely accurate statement, although certanly not an intuitive or obviously logical fact.

( 2 ) A credit card user agreement is imposed as terms by a credit issuing company for the customer to voluntarily accept. This is also an accurate and factual statement.

( 3 ) Do you think it is appropriate, in good faith, or even legal for a user agreement to essentially state that credit extending company reserves the right to tangibly damage a card holder 's credit for any other reason than non-payment? Such a condition likely fails a reasonable consideration of appropriate, good faith, or legal activity. 

Discover 's user agreement doesn't say outright that they reserve the right to damage the customer 's credit rating, but that is the factual and inevitable impact of their agreement stating a card will be canceled if it isn't used often as often as they want. Said a different way, their " agreement '' essentially hides the authority for them to damage their customer by canceling their credit card for reasons other than non-payment. 

My two points are very simple. ( 1 ) Discover 's user agreement literally allows them to damage a customer for reasons other than non-payment, something no customer would likely agree to, so Discover disguises the deliberate intent to harm and the customer 's so-called permission to allow Discover to cause harm through accepting the user agreement. 

( 2 ) It is predatory, not in good faith, and hopefully illegal to intentionally craft a user agreement knowing that hidden implications could be used to tangibly harm the other party, and to not very clearly and up-front expose and express such threats. 

There is a difference between the cost of doing business and harming someone. Choosing to not use an available credit card may represent to the credit card company a temporary small cost of doing business, but NO certain harm to anyone. However, canceling a credit card causes CERTAIN harm to card holder 's credit rating. Further, Discover considers that supposedly sending a routine, non-accountable postal mail letter notification to use or lose my card ( a letter that I never knowingly received ), represents that I intentionally allowed them to cancel my card and hurt my credit rating by not using my card. 

In summary, these are the facts : I was a good customer, paid my balances on time, but my credit card was canceled without my knowledge and my consumer credit was harmed because I chose to use credit priviledges infrequently. Credit regulations and simple contract law should never allow contracts that give one party the ability to damage the other without reasonable due cause, and simply electing to use credit infrequently should never qualify as due cause.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX marked my account as late when my account is on autopay sent communications to XXXX, XXXX, equifax and XXXX XXXX XXXX XXXX. this resulted in me being turned down for credit.
Complaint sub-issue: Debt is not yours

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.