Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act The Following companies has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.
Complaint sub-issue: Information belongs to someone else

Upon checking my credit report a year ago, I found several mistakes that were on my credit. Since these items were obvious fraud or mistakes by the bureaus I hired a credit repair agency to handle the issues on my behalf. It has been close to a year and they have not been able to remove the errors. Someone recommended to me the Consumer Finance Protection Bureau. I hope your company can assist me in getting these fraudulent items removed from my credit report. 

The errors that are reporting on my credit report are from the following companies with whom I have never associated with : XXXX XXXX, XXXX, XXXX XXXX, & XXXXXXXX XXXX
Complaint sub-issue: Need information about your loan balance or loan terms

I now have been enrolled in the Public Service Loan Forgiveness Program for 10 years. I should have been able to apply for forgiveness by now, but between FMLA for maternity leave, and one stretch where I did not work right after after the twins, I have to work for an additional year. At this rate, I will be on track to apply for loan forgiveness in about XX/XX/XXXX or XX/XX/XXXX. 

Here is the issue, and this is why I am writing you today. Beginning in XX/XX/XXXX, I began requesting a list of the total number of payments toward my 120 payments from XXXX, the current servicer of my loans. Between XX/XX/XXXX and now I would say I have contacted XXXX on more than 10 different occasions to follow up on this request. When I inquire about the request made in XX/XX/XXXX, I simply get the response your request is still being processed. I am VERY concerned that this will result a delay in my loans being forgiven. 

Now, another issue has come up. When I went to look at my history of payments on the XXXX XXXX website today, I only saw about 47 payments posted. All the payments I made in XX/XX/XXXX are missing. In late XX/XX/XXXX I was told that after they calculated by income based payment, my monthly payment was {$0.00}. I couldnt believe this and was very skeptical. I asked MANY times you are telling me that a {$0.00} payment still is counted towards the 120 monthly qualifying payments? Over and over again I was told yes. 

Today, after I saw all of these missing payments, I called XXXX and spoke to employee XXXX. I told her about my concerns about 1 ) My request from XX/XX/XXXX still not being processed and 2 ) my missing payments from XX/XX/XXXX. This employee told me your request from XX/XX/XXXX is still being processed and your {$0.00} payments will absolutely still count, but they are just not listed on the payments history, only actual payments are listed there. 
After this situation today, I XXXX  Public Service Loan Forgiveness Complaints, and I was shocked to see probably 50 articles written stating that " It has been one year since student loan borrowers have been theoretically eligible to have their loans forgiven under the Public Service Loan Forgiveness ( PSLF ) program. And yet, out of the 28,000 borrowers who applied, only 96 have had their loans forgiven. That is less than 1 percent of applicants. This is absolutely shocking and terrifying to me. I am not the mother or the wife that I want to be because I am tethered to my job and working in non profits that work their employees to the bone. I am XXXX, XXXX, and XXXX. I feel trapped, and now I am scared there is no end in sight.
Complaint sub-issue: Account information incorrect

I received notification that my credit score had gone down and there is some unknown XXXX XXXX CHARGE THAT IS NOT MINE FOR {$510.00}!!!!!!! HOW MANY TIMES DO I HAVE TO DEAL WITH THE XXXX AT XXXX  AND EQUIFAX ABOUT THIS ISSUE???? They have removed and put back on this same XXXX over and over AGAIN!!!! I DO NOT AND HAVE NOT HAD XXXX  XXXX!!! THEY HAVE TRIED THIS BEFORE ONE TWO AND THREE YEARS AGO AND I FOUGHT THIS XXXX OFF WITH XXXX!!!! I TURNED THE EQUIPMENT IN AND HAVE NOT HAD XXXX SINCE 2015!!!!! 
GET THIS XXXX OFF OF MY CREDIT REPORT NOW BEFORE I SUE XXXX AGAIN
Complaint sub-issue: Was not notified of investigation status or results

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX CARD, US DEPT OF ED/XXXX. 
Company Inquiries XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Information belongs to someone else

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Complaint sub-issue: Debt was result of identity theft

This acima credit company is abusing since I have more than two months fighting with this problem with this account opened for fraud. I contacted them. They asked me for a police report. They ask for a police report and they do not have the evidence or documents that allege that it is mine, it is an account opened for fraud and they do not want to help me solve this problem. bill. 
I need proof that this account is mine, they used my false documents to open that account for someone, damaging my credit report
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 making or receiving payments

To whom it may concern, Today, someone fraudulently took over my business email account, instructing my administrator to transfer {$48000.00} to an account in TCF Bank. The fraudster used by email address and my name to provide these instructions. Thankfully, my administrator validated this information before proceeding. I called TCF Bank and they communicated that they did not have access to investigate this claim. The bank account information is presented below. 

BANK NAME : TCF BANK ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ROUTING NUMBER : XXXX SWIFT CODE : XXXX BANK ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX BENEFICIARY ADDRESS:XXXX XXXX XXXX XXXX XXXX IL XXXX Please, advice as to what additional measures I can take to protect my financial accounts from this fraudulent activity. 

Regards, XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

XXXX added a late payment to my account. This payment was late in XX/XX/2011. Every time I try to obtain information on my account I am being told I need to submit proof of who I am, which I have done multiple time. Why is it that the credit reporting agencies don't request proof before putting negative information on consumers ' reports, but the consumers need to provide a wealth of information and proof to have these information removed. I need this negative information removed from my credit report. 
Yet, this is the same companies that is selling consumer information, and don't have protection on their system with the massive data breeches.
Complaint sub-issue: Account status incorrect

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TO WHOM IT MAY CONCERN : Dear Equifax , This is to notify you that according to my consumer demand to have no derogatory information revealing unless it is, as required by laws, proven completely to be true, correct, complete and certified compliant in detailing of that defamatory or potentially any part of it. I demand immediate erasure of any not testimonially genuinely verified certified all things considered. 
To the responsible party in question, you the credit reporting concerns of non-compliancy : It is illegal and immoral to hold or report deceiving or dubious data, particularly considering a created consumer complaining and information you of said issues, so please delete the accompany incriminating and wrongfully revealed inaccurate information at the very moment. 
These items are reported inaccurately : Derogatory Remarks/Collections/Accounts XXXX XXXX. XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX. XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX. XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX. XXXX XXXX XXXX {$10.00} XXXX XXXX. XXXX XXXX XXXX XXXX {$0.00} XXXX Unauthorized inquiries XXXX. XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

I have never signed any paperwork nor had any credit application or business with Jefferson Capital System. I have no idea of who or what this company is, yet they are on my credit report stating that I owe them {$12000.00} which is inaccurate. This information which is inaccurate is very detrimental to my credit profile.
Complaint sub-issue: Problem with customer service

XX/XX/XXXX I reported to Citicard that there were 2 fraudulent charges on my citi preferred card in the amounts of {$460.00} and {$820.00} for MR XXXX ( XXXX XXXX, XXXX, CA ). The rep told me he would cancel the card, research the fraud and expedite ship me a new card to be received XX/XX/XXXX. 


XX/XX/XXXX 2 phone calls made due to not receiving the card. I figured out Citicard put the wrong street address on the shipping label and my account. Second phone call I spoke with rep XXXX, " specialist '' XXXX and " manager '' XXXX. None of them corrected their address mistake. It was to the point I was asking for compensation for my repeated phone calls, their address mistake and not getting my card when they promised. 

XXXX was extremely rude. When I told her I didn't trust the company to do what they say they will do she then said " Ill just send your card out in 5-7 days ''. This was after XXXX and XXXX told me the second new card would be expedited and received by me Tuesday the XXXX. I told XXXX she was passive aggressive and hung up on her. 


XX/XX/XXXX I called and spoke to XXXX to make a payment on the old card as I was unable to online and didn't want to incur any interest charges. After payment was made, I asked XXXX what the address was on my account. He confirmed the address was STILL wrong. He suggested I call back again the next day and speak with " line management dept ''. 


XX/XX/XXXX I called during my work day and spoke to XXXX. I asked her to connect me with " line management ''. She stated she could help me with the address change. She confirmed that the address was STILL wrong. She then reviewed my account and stated she could not help me with the address change.

At this writing I have made 5 phone calls to try to get the address corrected, get a new card and compensation for their mistake. 


The original XXXX XXXX tracking # is XXXX XXXX XXXX so you can see the address citicard listed was street number XXXX. 

My street number is XXXX. 


What else do I need to do to get service from this company?
Complaint sub-issue: Public record information inaccurate

I have a judgment against me from XXXX County Courts in XXXX, GA. I use to live in an apartment complex and left which caused me to break my lease. I have tried to settle the balance but have not been able to reach the company ( XXXX XXXX XXXX or XXXX XXXX ). I called XXXX XXXX several times ( from XX/XX/XXXX to XX/XX/XXXX ) and they gave me the run around about how to pay and who to pay. The last time I called, I found out that another company now manages the apartments. I reached out to XXXX County Courts and they advised me to contact the lawyer for the case. I contacted the lawyer ( XX/XX/XXXX ) but did not receive a return message. I am stuck because I have been trying to settle this account. Because of this, I have been denied apartments because of this issue.
Complaint sub-issue: Information belongs to someone else

I did not consent to, authorize, nor benefit from the following inquiries. Block and remove them. 
XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

I HAD A DEBT CONSOLIDATION COMPANY ASSIST ON PAYING THE ACCOUNT. PROOF OF SETTLEMENT WAS OBTAINED AND FORWARDED TO THE CREDITOR AND CREDIT BUREAUS ON THREE OCCASIONS WITH 40-60 DAY WAITING PERIODS IN BETWEEN EACH INQUIRY. 

THE ACCOUNT REMAINS ON MY CREDIT REPORT, REFLECTING AN OWED AMOUNT ( IN SOME BUREAUS ) AND CONTINUES TO AFFECT MY CREDIT STANDING EVERY MONTH. PLEASE INFORM THIS CREDITOR THAT IF THIS MATTER IS NOT RESOLVED WITHIN A REASONABLE TIME, AFTER THIS CORRESPONDENCE IS RECEIVED, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY. 

MY PREFERRED RESOLUTION WOULD BE TO HAVE THIS ACCOUNT IMMEDIATELY REMOVED FROM MY CREDIT REPORT. 

THANK YOU.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted Lexus Nexus last year by email. I provided my information for them to identify me and I was replied to by saying I could request my consumer report. So I decided to call and asked if they verified my Bankruptcy and the first rep told me no that the Credit Bureaus did. I told her that is was impossible because two of the Bureaus said it was either the Bankruptcy court or Lexus Nexus. So I ended up having to call back. The second rep told me when I ask was that it was the Bankruptcy court that verified my Bankruptcy. So when I asked for proof of that so I can give it to the Bureaus amd court. I was denied that information because they said it was no way to provide me with that information unless I as for a consumer report. So I decided to write them and provide my information again to prove my identity and I received a letter again telling me that they couldn't authenticate my identity. Which I find strange, because when I call them that 1 time they only asked me for my last for digits of my social, address, name, amd DOB. And that's the same information I provided in the email originally. I also must add that along with the letter sent was copies of my License and Social Security card
Complaint sub-issue: Information belongs to someone else

Hello my name is XXXX XXXX XXXX, and 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 I did not make the charge. I ask that the items be deleted to correct my credit. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit please delete these items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt.

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 with a copy of verifiable proof, you must remove the accounts listed below.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! I demand the following accounts be verified or removed immediately.
Complaint sub-issue: Information is incorrect

AppFolio XX/XX/2021 Credit score provided to Landlord is significantly different than the actual score reported by XXXX. AppFolio uses XXXX to provide landlords with report scores. This situation will hurt the needs of Americans trying to secure housing. Unfortunately, companies like AppFolio are charging fees to provide inaccurate information to landlord.
Complaint sub-issue: Reporting company used your report improperly

I WAS NOTIFIED BY EMAIL OF A PROMOTION AND EVENTUALLY CALLED BACK WITH THE THOUGHT OF XXXX DOWN IF USING MY CREDIT AS A ASKED MULTIPLE TIMES ON THE PHONE... SHE SAID NO YOU WONT HAVE TO PAY NOTHING IF APPROVED AFTER BEING PERSUADED BY FALSE WORDING FROM HER SHE RAN IT WELL AS THE CREDIT WAS RAN I WAS ONLY APPROVED FOR XXXX THE SALE REP WORDS WERE " OHHH NO I DIDNT KNOW I THOUGHT IT WOULD POSIBBLY PAY ALL '' AFTER SAYING IT WOULD I OPTED OUT AND NEVER USED CREDIT AND CALLED ON A LATE FRIDAY THEY SAID IT WOULD BE REMOVED STILL NOTHING INTIAL EMAILS ATTACHED
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Report 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 XXXXXXXX 15 U.S.C. 1681 section 602 A States I have rights of privacy 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting Agency can not furnish a account without written instructions
Complaint sub-issue: Account information incorrect

I took out a loan in XX/XX/XXXX, my payments are {$810.00}. and some change. I have made payments since. I had a deferred payment for two Months XXXX and XXXX of this year the payments resume for the Month of XX/XX/XXXX. I Made a {$490.00} payment in XXXX towards my Principal. XXXX I paid {$810.00} for the regular monthly payment. XXXX, I made a regular monthly payment. They took the two regular Monthly payments of {$810.00} and put it towards the interest and said because I paid early that's what they are suppose to do. I make my payments earl to all my Bill 's  because I like to get them out of the way to budget my money. They are reporting XXXX. On there website when it should be less than that and they are reporting messy up my XXXX score reporting XXXX. If I took out a XXXX dollar loan in XX/XX/XXXX and been making payments faithfully and its showing that amount that means I have never made a payment on this loan which is crazy!.
Complaint sub-issue: Reporting company used your report improperly

In response to complaint numbers, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX and Equifax stated they would take " 60 days '' to respond to my complaints. This is unacceptable and illegal. The law allows 30 days to investigate my complaints and requests regarding my personal credit report. I am demanding the immediate removal of the tradelines or I will take legal action.
Complaint sub-issue: Account status incorrect

This is my second complaint for the same issue. The first resolution is the incorrect data was supposed to be corrected. I even received correspondence from Equifax that it would be removed. However, Equifax is still reporting XXXX XXXX as having a balance owed. This account was paid off XX/XX/2017. XXXX correctly reports a XXXX balance. 

I need this resolved.
Complaint sub-issue: Billing dispute for services

On XX/XX/XXXX. I received a debt collector letter how much I had to pay. I responded on XX/XX/XXXX. I requested for a validation and still waiting for respond. XX/XX/XXXX I found out it was reported on my credit report. The letter states that I have 30 days if I do n't respond they will report to the credit bureaus. IC System has violated the US Code Title15, Chapter41, SubchaterV- debt collection practices.They reported early to my credit bureaus at the XX/XX/XXXX day. Unfair and false statements. I contacted the credit bureau and sent in the docs and was removed. They do not have the right to do that. I looked in to the company and they really have bad ratings. This company should be fined for improper activity.
Complaint sub-issue: Account information incorrect

There is old information that is not correct anymore. I want factual data to be correct with the credit bureaus and send me an updated report there are some old tax liens that are no longer apart Of my credit reports anymore
Complaint sub-issue: Old information reappears or never goes away

I have contacted Equifax on XX/XX/XXXX and XXXX regarding the XXXX account which should have been removed from my account since XX/XX/XXXX. This account last activity was XX/XX/XXXX and closed due to the student loan being transferred to another loan serviced. I disputed the transaction based on age of account but they stated the account was verified and added a remark that payment scheduled updated. Upon speaking with a representative I was told they can not remove the account and to contact XXXX. I contacted XXXX and a representative verified that no information had been updated nor any payment information. I was also told that they do not have the capability to remove the account from Equifax, it has to be done by Equifax. I contacted Equifax on XXXX and was told that my account was updated again and therefore this transaction will stay on my account an additional 7 years from XX/XX/XXXX. This account is already over 10 years old and no information has changed according to the loan services. I have been hung up on by representatives and no 1 seems to understand that this closed account has aged off my credit report. The other bureaus have removed this account. I need help because Im not getting anywhere with this issue.