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

To Whom It May Concern : Be advised this is not a refusal to pay, but notice that your claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you XXXX XXXX XXXX. NOT who you have been paid by a third party. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you ( XXXX XXXX XXXX ). Please validate that this debt belongs to me and please also show me the original contract. 
At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( Equifax, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious trouble with the FTC and other state or federal agencies
Complaint sub-issue: Reporting company used your report improperly

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 reporing agency can not furnish a account without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Complaint sub-issue: Account status incorrect

There are three ( 3 ) late payments from XXXX XXXX reporting on my credit file from XXXX, XXXX, and XXXX of XXXX I set up automatic bill pay through my local bank, XXXX, however, the payments were not processed due to bank errors. 

Since these late payments were caused due to errors by my bank, Im requesting the late payments be removed from my credit file. 

Attached is a letter from XXXX XXXX for supporting documentation.
Complaint sub-issue: Report improperly shared by CRC

I had old child support deleted from all XXXX credit bureau they are more then 7 years old now equifax has now put it back on my credit report within 7 days. they are just doing what they want with my credit report
Complaint sub-issue: Account status incorrect

In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Public record information inaccurate

I went to apply for a loan and was denied. The credit report showed a bankruptcy. I ordered my report from LexisNexis and there are multiple inaccuracies on the report. The main thing is they list a bankruptcy showing on my report, I called the clerk at the court and she said they have no record and I asked them how can this be put on my credit file? She said LexisNexis was the company that sells public record information to the credit bureaus. I disputed with all 3 credit bureaus and they all came back saying this information was validated through LexisNexis. LexisNexis states they verify this information through the court so I called the clerk at the court again and she stated that they do not verify court case information and how could they verify something that isn't there. So now I am requesting LexisNexis to delete the bankruptcy information from their report as it is erroneous and they have zero proof of validity of the information. this has caused different financial institutions to deny me credit and also close active accounts that I have. This has to be some sort of violation of law for a company to sell/furnish/publish information that is not accurate to companies that use this information for credit/employment/housing/insurance/etc. I am going to consult an attorney because this is terrible how much money I have missed out on by the misrepresentation of LexisNexis data and almost lost my security clearance for the same reason.
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. 

Account name : XXXX XXXX, Account name : US Dept of ED XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX, Account name : XXXX XXXX XXXX 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.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Account # 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
Complaint sub-issue: Non-sufficient funds and associated fees

I transferred money on XX/XX/2022 for the amount of {$75.00}. The money was already debited out of my XXXX XXXX account and was deposited on XX/XX/2022. Key bank is withholding my funds, so they can accrue their real time over draft fees. I spoke to a XXXX XXXX representative they informed me my information was correct and accurate, that my bank is holding the funds which is Key bank. Spoke to multiple online banking representatives, XXXX a supervisor encouraged me to sue. Instead of handling the situation at hand. She was rude. All I want is what's rightfully mine.
Complaint sub-issue: Public record

Recently my bank XXXX XXXX XXXX requested my credit report in order to give me a loan for a house and appeared on the report a bankruptcy.I have never declared a bankruptcy.
Complaint sub-issue: Information belongs to someone else

Upon checking my credit report, I notice an account from XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. I even threaten to escalate this violation higher to ensure that my rights were being upheld and still got no respond from them. I also sent certified letters to the three credit bureaus on XX/XX/2020 asking them to verify or remove the negative report on my credit report. I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Following the Equifax breach, I have been attempting to freeze my credit with all three major agencies. However, Equifax will not allow me to submit a report on their website and their phone line is down, so the only way I will be able to contact them is through snail mail. Considering that the breach is their own fault, they should have a much easier system in place for the hundreds of millions of people whose identities have been jeopardized. 

Additionally, I find it ridiculous that I will have to pay {$30.00} total to the three agencies in order to freeze my credit and will not receive a reimbursement unless I go through their snail mail processes. Do they expect all of the Americans affected by this to go through weeks of paperwork and waiting just to protect themselves? The CFPB should prevent these agencies from making any profit off of the freezes that millions are now being forced to perform due to the agencies ' own negligence.
Complaint sub-issue: Other problem getting your report or credit score

This complaint is regarding Sagestream Services failure to provide a credit report and show common decency toward a consumer. In a letter dated XX/XX/2020, XXXX XXXX informed me of an adverse action on my credit card application based off information provided by Sagestream. The specifics did not make sense so I decided I would reach out to Sagestream to check for errors on my report. In a letter dated XX/XX/2020 I contacted Sagestream requesting a copy of my credit report and received no response. On XX/XX/2020 I called Sagestream and left a voicemail but received no response. On XX/XX/2020 I also called Sagestream, left a voicemail, and received no response. Finally I sent another letter by certified mail on XX/XX/2020 which Sagestream received on XX/XX/2020. As of XX/XX/2020, I have received no response. This is my first time formally reporting Sagestdream, but my experience in the past and present is that no one communicates from the company.
Complaint sub-issue: Debt was paid

I went to close out my account with XXXX because of the mistreatment and price XXXX was charging. I paid off all my lines and caught up my bill with XXXX XX/XX/XXXX- {$340.00}, XX/XX/XXXX - {$570.00}, {$110.00}, XX/XX/XXXX - {$260.00}. 

I called on XX/XX/XXXX to close out my account because our numbers were ported to another provider, the first gentleman I spoke to told me I couldn't close out until end of billing cycle and to call back later. I called the day before the end of the billing cycle to close out my account the lady I spoke to told me all lines were suspended and that my bill was caught up ( XX/XX/XXXX payment ) and I was good to go. Fast forward two weeks and I got another bill. I called in and spent well over an hour to make sure all accounts were closed and she assured me everything was good and finally closed. Then in the beginning of XXXX I got a bill for {$45.00} I called into XXXX to let them know I have tried to let know I've been trying to close this out for a whole month and no one was helping me that I shouldn't have this charge. It was not my fault that no one was helping actually close my account for a WHOLE MONTH. 

I got a call today from the collection agency ( XX/XX/XXXX ) I explained to them to look through the account notes to see that I was calling in for a whole month to close an account i no longer needed and that the lady said my account was paid in full and that I wasn't paying the {$45.00} they claim still to be owned. He told me to have a nice day and hung up.
Complaint sub-issue: Debt was paid

In XX/XX/XXXX I purchased a stove from Conns. In XX/XX/XXXX my wife and I went back to purchase furniture for our living room we were told by XXXX the sales rep that in XX/XX/XXXX we could come back in and purchase a small dollar item and that he would allow us to combine the accounts. On XXXX the XXXX we returned to the store and purchased an item to combine the accounts. I started getting calls saying it had not been combined. I paid another payment to combine the accounts and started getting calls again. I returned the store and talked to the manager on XX/XX/XXXX who told me another mistake had been made and he gave me paperwork that said I did n't have a payment until XX/XX/XXXX. Since then I have been consatantly hararassed by telephone callas at my home, cell, text, and email repeatedly saying I still owe a payment that 's not due. It has gotten to the point where they have even called my wife who is not on the account. It is rediculous trying to talk to them because they want me to have their own store manager call them instead of resolving the issue for the customer. I have faxed them cease and desist calls other than to my home and the documents have been ignored and the calls continue. I feel violated and attacked by this company for something that 's not my fault. On all three occasions they gave me paperwork but continued the harassment.
Complaint sub-issue: Account opened as a result of fraud

I received a debit card from XXXX that I never applied for. 
My information was compromised months ago. I had my credit frozen after receiving a letter for unemployment benefits and a debit card from XXXX.
Complaint sub-issue: Application denied

I applied for a Best Buy credit card, I was told to go into a store to complete my application. After I showed my Drivers License and answered some security questions they told me they could not verify my identity and wait for a letter in the mail. 

The letter in the mail said they could not verify my identity and to call a phone number. 
After calling the toll free number I was directed to go into the store to get my credit card. 

After going to Best Buy a second time I repeated the same process and I was again told to wait on a letter in the mail. 

The letter in the mail said the same thing, I called the number and was told to go inside the store again and repeat the same process.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 15 U.S. C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I requested a MOV method of verification on this account because I wasnt notified about it via email, mail, and phone. I checked my credit and happened to see the account. I challenged Equifax to send me their method of verification such as bill, written signature, etc and also stated if it couldnt be produced then the account should be deleted. I revived a letter in the mail saying that the account was verified and that was it. No supporting documents in which I asked for. This collection is not only violating multiple sections but falsely adding age its not even in the right category this account is suppose to be in collections which it was and they added it to installment accounts which is clearly not an installment. Which further leads to saying that I have a late payment. In the attached photo it says installment accounts are loans that require payment on a monthly basis until the loan is paid off, such as auto or student loans. Click anywhere on an account entry to see more details about that account. As you can see this isnt a loan and shame on equifax for letting this collection agency damage my credit file and verifying it as accurate.
Complaint sub-issue: Trouble with how payments are being handled

Called Mohela XX/XX/2022, advised it was filed. 
Called XX/XX/2022, on hold for 2 hours, I hung up because 2 hours. 
Called XX/XX/XXXX, was told " it's filed '' and nothing beyond that. 
Also sent two secure messages through MOHELA portal, no return message.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I filed an Online Dispute regarding Account data in my XX/XX/XXXX Equifax Credit Report and although I've now received 2 email notifications indicating the dispute has been completed, I've been unable to access the results for 3 days.

After being unable to access the results again this morning, I shared my concern w/  Equifax via it's Online Chat service this morning. Although the Chat service fails to  capture the consumer content initially submitted, the remainder of the Chat has been posted below. 

XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) : Hello XXXX XXXX, how may I help you? 
Me ( XX/XX/XXXX XXXX XXXX ) : See concern in submitted 'Chat '. 
XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) : Thank you for notifying us of this issue. We apologize for any inconvenience you may have experienced. 
XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) : We have a known issue on the website which has been already escalated. In this case we suggest you to contact a live representative over the phone. We apologize for any inconvenience you may have experienced. 
XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) : You may speak with a Consumer Services team member at : XXXX. They are available Monday through Friday from XXXX XXXX to XXXX XXXX in your time zone. 
XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) : Do you have any additional concerns? If no further assistance is required, please disconnect the chat. Thank you for contacting Equifax. 
Me ( XX/XX/XXXX XXXX XXXX ) : I need to see the results of the Dispute investigation before speaking w/ someone about the matter. 
XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) : This type of action can only be performed by our Consumer Services Department.
Complaint sub-issue: Investigation took more than 30 days

XX/XX/XXXX, XX/XX/XXXX I sent XXXX a validation request and then a follow up letter and have not received a response. On XXXX, XXXX, I sent Equifax, XXXX, and XXXX  both letters and requested removal/investigation and have yet to receive a response. 

The accounts have been re-aged on XXXX and XXXX, open dates are all conflicting on all three bureaus, Comments state dispute resolve but Ive never received a response in over 3 months. On Equifax, they are reporting a derogatory account with a last active date in XXXX but reporting on time payments in XXXX and an account status of 120 days late. This is all incomplete and inaccurate information. 

Please see all attachments
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 xxxxxxxxxxxx XXXXXXXX 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: Their investigation did not fix an error on your report

I am XXXX XXXX who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts witherroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response fromthem until this date. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$99.00} XXXX XXXX : {$0.00}
Complaint sub-issue: Account status incorrect

I am uncertain as to WHY these late payments are present..I must request under the terms of the Fair Credit Reporting Act, and Fair Credit Billing Act of 1975 that you provide me with an audited statement of my account for the last 2 years..If you can not supply, please remove this inaccurate information from my credit report.. Remove the late payments on XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX,
Complaint sub-issue: Received bad information about your loan

I opened a complaint previously ( XXXX ) which has been closed. The resolution was not satisfactory to me. Once the Public Service Loan waiver was implemented in XX/XX/XXXX, I inquired at Fedloan do I need to consolidate my remaining Direct Loans together and have all my loans as one loan. I was told no because the loans were already Direct and resetting them would reset my count to 0. Yet, one of my loans was forgiven during the review. Then later the language was updated in the waiver that consolidation loans that were comprised of underlying loans that have different numbers of qualifying payments, as long as your repayment history overlaps for each loan, the consolidation loan will be credited with the largest number of payments of the loans that were consolidated. I was never given this opportunity because I was 1 ) told not to consolidate and 2 ) had the remaining balance of the loan forgiven before I could consolidate. Changing the language and advice provided for the waiver after the waiver has been instituted is like changing the rules to the game once the game has begun. 

The resolution that you provided in my previous complaint is missing the point that I am making. The point is this if in XX/XX/XXXX if given the correct advice I would have reconsolidated all my loans together. My complaint has zero to do with the XXXX consolidation. The complaint is about the advice provided in XX/XX/XXXX that was changed once my loan was forgiven by the waiver.
Complaint sub-issue: Problem with fees charged

I have an auto loan with Ally Financial. I sent them a letter regarding discharge of debt. In response, Ally sent me a letter stating they don't know what I'm trying to accomplish but they are now restricting my account for 6 months where I can only make payments to them with certified funds. I have always and on time made my payments via their app. The funds are withdrawn from my bank account and deposited to the loan balance. 
They are forcing me to pay an additional fee to XXXX, XXXX XXXX, etc to make payments for 6 months. I perceive this as some sort of retaliation to my request. I don't see how they have the right to cause me additional financial burden in order to make a payment that I've never been late on.
Complaint sub-issue: Charged too much interest

I've try to make payments on BestBuy.com to promotional balances. It never works to try to apply to a particular promotional balance. However, the website states that it automatically applies the payments to promotional balances. I got an interest charge in my XXXX Bill for the amount of {$1300.00} for an item I bought 2 years ago, which was 24 months no interest. I've been making payments on time and substantial amounts i'm not sure how they've been applying the payments to the promotional balances, and i'm surprised how much they didn't put into my promotional balances. Every time i try to emailing them through their website regarding this and press send the screen goes blank. I'm not sure they are getting my emails and it is frustrating. I work during their hours of operations email is the best options. I want a list of how all my years of payments for the past were applied to my my promotional balances.