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

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX Account Number : 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: Their investigation did not fix an error on your report

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Problem with personal statement of dispute

I went through the Federal Student Aid and submitted multiple requests to investigate late payments on my student loan account. Currently XXXX XXXX XXXX is reporting 16 accounts, 120 days past due as of XX/XX/XXXX with all three credit bureaus. I completed my application to consolidated my loans with XXXX XXXX XXXX on XX/XX/XXXX ( E-signed document attached ). The XXXX XXXX  representative failed to mention that any of my Loans were past due on the day I consolidated. On XX/XX/XXXX, according to my XXXX history, XXXX   XXXX XXXX reported all 16 accounts 120 days past due without notifying me of their late status prior to my consolidation. I have documentation to prove this history through my monthly XXXX report. 

I also noticed the Federal Direct Consolidation Loan Application and Promissory Note application I completed online and processed by XXXX XXXX XXXX  expired on XX/XX/XXXX. This online application expired 4 months prior to me completing online on XX/XX/XXXX ( attached below ). Improper documentation could have resulted in my application being process or delayed, or notified correctly. 

XXXX XXXX XXXX  failed to update me on the status of my account and processed expired paperwork that they provide online, before reporting inaccurate information to all three credit bureau agencies. Because I moved from XXXX to XXXX, I did not receive any phone calls, emails or mail regarding any " attempts to contact me '' like they are claiming. 

I have submitted multiple requests to XXXX XXXX XXXX  and through a private attorney to fix XXXX XXXX   mistake. XXXX XXXX XXXX has take advantage of me and has put major restrictions on my future purchasing power due to improper credit reporting. These 16 late accounts have prevented me from applying for anything requiring credit. Until this is fixed, these XXXX XXXX accounts will hinder my financial growth for many years to come. 

I ask that all 120-day past due accounts reported by XXXX XXXX XXXX  be removed from ALL three credit reporting agencies immediately.
Complaint sub-issue: Problem with customer service

I participate in the Public Service Loan Forgiveness Program. I am attempting to recertify my employment status as a government employee. I have been submitting PSLF certification paperwork to FedLoan Servicing. They're rejecting my certification because of the way my HR representative completes the paperwork. All required information has been provided.
Complaint sub-issue: Information belongs to someone else

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again.XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$8000.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Filed 4 disputes with EQUIFAX ( EQ ) to remove negative information from my CR because the reporting period is past 7 years for 2 accounts ( # XXXX, XXXX, XXXX, XXXX ). Basis for 1st account : 1st delinquency occurred in XX/XX/XXXX. Basis for 2nd account : 1st delinquency occurred in XX/XX/XXXX. Proof was sent in the form of Billing Statements I received from creditor XXXX, upon request and a Transaction History Report sent to me from the creditor XXXX XXXX XXXX XXXX ( XXXX  ). These document from the creditors verifies ( 1 ) the information on my EQ CR is inaccurate, ( 2 ) the negative information is past 7 years and ( 3 ) the accounts are at least 10 years old -and should be removed entirely. The point that EQ is negligent in upholding the FCRA - 15 USC 1681i ( 611 ) ( a ) ( 5 ) ( i ) ( ii ) ( iii ), is the fact that the same documents obtained from both creditors, as described above, were submitted with my disputes to both XXXX and XXXX and both credit bureaus took appropriate action and removed the negative information entirely and in removed the accounts. I am being harmed by EQ 's negligence, each day the negative information remains on my CR. I want them removed as required by law ( FCRA ).
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This account is misleading and dishonest since it negligently reported false information. Please provide me with written proof that I authorized you to report anything on my consumer credit report. I called the debt collector, but they refused to give any proof ; as a result, you are reporting XXXX accounts that are fraudulent and misleading.
Complaint sub-issue: Was not notified of investigation status or results

I requested a method of validation on XX/XX/2022. The collection agency has yet to respond. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA.
Complaint sub-issue: Problem accessing account

On Thursday, XX/XX/XXXX. I went to the XXXX XXXX XXXX of Citibank at XXXX XXXX  XXXX XXXX. Where I have a safe deposit box. There was a sign saying " temporarily closed. '' It suggested I go to XXXX, which would not help me as my safe deposit box is here. 
The next morning, XXXX XXXX, there was 8 inches of snow. After digging out, I called the bank to see if they had reopened. The number actually sent me to another branch. A recording said " all representatives are assisting other customers '' and referred me to a general customer service line. I waited 26 mins for a representative who assured me that she would get in touch with someone at the branch. After 18 minutes and several I need to place you on a brief hold, '' assurances, she told me she was unable to contact anyone who worked for that branch or anyone who could access that branch. That was it. 
I went back to the website because I thought that maybe someone from another branch could help. It actually referred me to XXXX XXXX XXXX where again " all representatives are assisting other customers '' and the referral to the general customer service line. I could not do this any longer. I had to get my pre-flight Covid test. 
So now I find myself leaving the country for 10 days with no jewelry, and no credit cards because they are in my safe deposit box where I thought they would be safe, not inaccessible. Fortunately, I had my passport because I had misplaced it in the house. If they were going to temporarily close the branches because of COVID 19 lack of foot traffic, why did they fail to notify the clients of this decision? How can they just hold my possessions, charge me a fee to do so, make my possessions inaccessible and fail to keep me informed? Had my passport been there, I would not be traveling tomorrow. As it is, they have put me at a tremendous disadvantage. I am carrying a large sum of cash but not enough if something really goes wrong. That is unsafe. Also, I have to deal with changing currency. All of this causes unnecessary inconvenience and hardship for me. What if I needed my deed, the title to my car, the power of attorney for each of my adult children? How is it possible that no one at Citibank has any answer for me other than to refer me to a number that sends me to a service representative that can not help? The alternative branches can not help because they never pick up the phone. Chat can not help because for this matter you need to speak to a representative. I am paying for access to a safe deposit box to which I have no access. 
I need to know when I can have access to my possessions. Citibanks behavior is unconscionable, irresponsible, dismissive.
Complaint sub-issue: Reporting company used your report improperly

My name XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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: Problem with rewards from credit card

In late XX/XX/2020, I noticed that I was no longer able to log into my XXXX XXXX and a pop up indicated that my account was terminated. 

I filed a complaint through DOT requesting for further details as to why my XXXX XXXX account was terminated. 

I received a response from XXXX XXXX on XX/XX/2020 stating that I was involved in 'abuse of the AAdvantage Program through gaming behavior, used to circumvent the Citibank/AAdvantage card enrollment bonus eligibility restrictions, particularly that bonus miles are not available if you have received a new account bonus in the past 48 months. These restrictions are outlined in the Citi/AAdvantage card promotional bonus offer terms and conditions, as well as at the top of each application page. ' I request that Citibank confirm or deny that during my ongoing credit and banking relationship that I have met the terms of each and every agreement relating to the Citi AAdvantage credit card. Please provide conclusive evidence of such case where I have violated the terms of the agreements made between Citibank and myself as stated by XXXX XXXX.
Complaint sub-issue: Debt was result of identity theft

I checked my credit report and notice accounts that not mines. i been a victim of identity fraud in the past. I provided 2 copies of my ID to prove my identity.
Complaint sub-issue: Information belongs to someone else

I checked my credit report and noticed a fraudulent credit card opened under my name with XXXX XXXX opened end in XXXX with a balance of XXXX $ this is fraudulent and I need it removed
Complaint sub-issue: Their investigation did not fix an error on your report

Per XXXX and XXXX, I notified Checkr of not having my written consent to furnish any information on the consumer report they created about me. Checkr disregarded my letter and did not delete the info I told them to delete/remove. I did not dispute anything and I mentioned that it was not a dispute. Im enforcing my federal consumer rights. 15 USC 1681 my written consent has to be given to furnish any information on a report about me.
Complaint sub-issue: You never received your bill or did not know a payment was due

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XX/XX/2021 for 30 days. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Information belongs to someone else

Multiple accounts are reporting on my credit reports that are incorrect XXXX XXXX-XXXX**** XXXX XXXX XXXX XXXX** XXXX XXXX   XXXX**** XXXX  XXXX  XXXX****
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Complaint sub-issue: Problem with customer service

I submitted an Employment Certification Form to Moehla in late XXXX. They claimed they needed 90 days to process it. I have been checking it regularly, and as of today, they deleted my form, claiming it was a duplicate. As noted in the message I sent them, I am sending in the same form again as my payment counts are still inaccurate. I have submitted this same form at least twenty times to XXXX XXXX and now twice to Moehla. I am being denied three years of PSLF payments because neither loan servicer collecting millions of dollars in federal money can be bothered to read a form, email, or message. As stated countless times, process my form, process my PSLF application, and forgive my loans. I'm not waiting another 90 days for Moehla to pretend to process a form before deleting it.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent a numerous amount of dispute letters to Equifax about  XXXX   XXXX   XXXX  whom is collecting a debt for a company I does not recognize   XXXX   XXXX   XXXX   XXXX  . I written to ask Equifax that i have never had a account with   XXXX   XXXX   XXXX   XXXX   and I would like for documentation that shows that I had a account with this company but Equifax email me stating that this account was VERIFIED which does n't prove that i had an account with this company. The collection agency in which trying to collect this debt is unfairly stopping me from improving my credit by reporting unfairly to Equifax stating I owe  XXXX  the amount {$1500.00} and I have no knowledge of having an account with this company.
Complaint sub-issue: Indicated committed crime not paying

California XXXX XXXX XXXX XXXX XXXX called and stated that my mother owed them money from a debt years ago. If we did n't pay they would take us to court. they had a case number and stated that sent letters to service her. They had all of her infomation. Everything from SSN address, account numbers. They even gave her a confirmation letter and web site XXXX They took over {$1600.00} from her. This is a scam. They are not real. i tried to call them back to cancel the transaction and they gave me the run around
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX/Equifax/XXXX  was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : Bankruptcy chapter XXXX Reference number : 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: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OTHER ACCOUNT 1.  XXXX XXXX with ACCT # XXXX opened on XX/XX/2011 with a balance of {$1200.00} -This is not my account.
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX/XXXX  2017 - 30/60 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Complaint sub-issue: Information is missing that should be on the report

My XXXX XXXX credit card with a XXXX  limit is not being reported by Equifax. As I have not missed any payments on this account their refusal to report this account is adversely affecting my credit worthiness.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX is reporting incorrect information on my XXXX and Equifax Credit Report I have contacted each credit agency via Certified Mail regarding the Account being reported. The Company 's Name is being reported on XXXX  as XXXX XXXX and on Equifax it is being reported as XXXX XXXX XXXX. I do not think this company has a licensees to operate in Pennsylvania due to the various names used. The balance is steadily increasing no payments are being reported correctly causing late payment to pile on my report. Account information is incorrect this account is effecting my credit worthiness and I request this account be removed for my report due to the fact stated above. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources.
Complaint sub-issue: Public record information inaccurate

Equifax keeps adding a chapter XXXX debtors court to my file and verifying this information came from XXXX XXXX which is n't true. This file has been taken on and off my credit report numerous times causing me duress.
Complaint sub-issue: Deposits and withdrawals

My company, XXXX XXXX XXXX ( an outpatient physical therapy clinic located only in XXXX, Georgia ) had its Tax ID stolen band with it a fraudulent bank account was opened with Capitol Bank in XXXX TN ( now called First Horizon Bank ). Unfortunately the Bank Manager was duped by a fraudster who allowed him to put a series of more 60 stolen checks from the Georgia business to be deposited into the Capitol Bank account ( knowing the Georgia physical address on every checks deposited in the TN account ) - this fact alone should have alerted the bank processor ). Additionally a number of our XXXX, XXXX and Third Party payments were also EFT 'd into  this fraudulent account. The total amount of revenue embezzled / stolen is in excess of $ XXXX ( this crime took place over the course of 6 months as it took that long to shut the crime down ). Its important to note that Capitol Bank was put on notice of the crime with weeks of the account being opened. I personally requested that the account be frozen to protect our revenue, unfortunately the bank failed to take any action to protect my small businesses interest. In fact they allowed the money to be with drawn directly to person committing the crime ( in cash and checks made payable to him personally ). 

Attached to this file is series of documentation that include a detailed letter from the Georgia Attorney XXXX XXXX, who highlights the crime, the bank errors and request that the bank return the money to it rightful owner XXXX XXXX of Georgia. A XXXX County subpoena to the bank requesting the account documentation, A response from Capitol Bank including the account fraudulent signature card, with highlighted bank errors ( ie : a fake address for XXXX XXXX in TN ). Also attached are copies of the actual account bank statements supporting the fact of this claim. Last included is a XXXX County Criminal Arrest Warrant for the person that committed the crime. 

We have requested that the Capitol Bank ( First Horizon Bank ) return the stolen funds to our company in Georgia, unfortunately we have not gotten it back yet. That said to protect the statute we remain in a tolling agreement with the Banks Attorneys ( now more than 1 year ) .... unfortunately to date we have not been successful recovering the stolen money. We are seeking assistance with the Consumer Financial Protection Bureau for oversight into this matter, and requesting CFPB reach out to the bank on our behalf to find out what the hold up might be, otherwise we requesting all the stolen revenue be returned to us, again approx XXXX. 

I sincerely appreciate your review and consideration of the facts and remain hopeful Capitol Bank with take proper action to reconcile this matter. 

Thanks
Complaint sub-issue: Received bad information about your loan

I have been in the PSLF program for some time. I have made all payments as required, always certified employment on time and correctly, followed the servicers advice, and been in a qualifying IDR plan since entering the PSLF program. However, the servicer claims I have made different numbers of qualifying payments on my various loans, and their customer service representatives have been unable to explain why the numbers of payments are not the same on all loans. 

Furthermore, I submitted employment certification inXX/XX/2017, nearly a year ago, and the numbers of PSLF qualifying payments showing on my monthly bills have yet to be updated. Customer service can only say that they are still processing it. 

Finally, I was placed into an administrative forbearance when I entered the PSLF program because, according to the PSLF servicer, my previous servicer had given them incomplete or incorrect information about my loans and that was the only way to resolve the issue. I made payments during this forbearance, but the PLSF servicer still capitalized to principal all interest that had accrued during my forbearance. They refused to reverse this action although I protested that it was unfair.