Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

There seems to be an error on my consumer report furnished by XXXX  XXXX and XXXX XXXX On my consumer report, there is a late payment reported and a fraudulent account which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX and XXXX XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX XXXX and XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX and XXXX XXXX has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Complaint sub-issue: Account status incorrect

I filed a dispute with the credit bureau regarding many accounts that are reporting to my credit report that do not belong to me. 
The credit bureau has not provided proof of ownership and instead has provided false information to my credit report without proper documentation confirming the accounts.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

dear consumer financial protection bureau so im submitted written complaint about im having delay problem issue with equifax credit report file so i order copy of my personal credit report file its just came in the mail on yesterday so the main issue im having with credit bureau agency they do not wan na give me access too my own personal credit report file so when i call customer services number XXXX so aslo i can provide address imformation where i mail my verify documents too equifax XXXX  XXXX XXXX ga XXXX zipcode so i sent them copy of my ssn number state id card photo and when i call customer services today they still saying they have not recieve verify documents yet so i have call them several times about this delay matter still has not been solve just yet so they aslo refuse to give my physical access to my equifax .com online account after i have allready verify my account several times
Complaint sub-issue: Their investigation did not fix an error on your report

I am convinced that Equifax does not read disputes or truly investigate. They just send the same old generic responses. Attached is documentation that XXXX XXXX XXXX XXXX has placed incorrect information on my credit report. The date of 1st delinquency is incorrect and the company is reporting it incorrectly on purpose so that they can leave the information on my credit report longer than the 7 years they allowed to by law. I have attached a detailed bill. Please see the 1st date of delinquency and get this off of my report please. 


They also have an account listed from XXXX XXXX XXXX and they keep saying we confirmed this is your bill. This is NOT my bill. My daughter is XXXX XXXX XXXX. She went to the dentist. NOT me. I am the person that pays for the insurance premiums but that does not legally make me the guarantor or legally responsible for her bill. This is not my bill. Those are not my teeth!!! But Equifax sends a generic response saying it's been confirmed as my responsibility. HOW?!!! 

Thanks.
Complaint sub-issue: Investigation took more than 30 days

XXXX and XXXX  have removed inaccurate reporting for XXXX XXXX. Equifax needs to follow suit since they are reporting this account longer than seven years since date of first delinquency. I intend to file suit if Equifax continues to misreport. I have disputed this account over five times and Equifax continues to report inaccurate information.
Complaint sub-issue: Information belongs to someone else

I am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account has nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan  because of this CHILD SUPPORT XXXX
Complaint sub-issue: Reporting company used your report improperly

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, also states a consumer reporting agency can not furnish an account without my written instruction.
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, 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency many 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: You told them to stop contacting you, but they keep trying

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Complaint sub-issue: Problem with personal statement of dispute

This Complaint is in response to the XXXX XXXX, XXXX letter I received regarding my goodwill request to have late payments removed from my credit score report. In the letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, Department of Education/Nelnet is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 
I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ).

The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct.

, Department of Education/Nelnet representatives told me that because the delinquent payments were accurately reported in XXXX of XXXX that any subsequently initiated deferments would not allow for, Department of Education/Nelnet to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. * All of my, Department of Education/Nelnet accounts that were part of the XXXX XXXX late payments show deferment status effective as of XXXX/XXXX/XXXX. Therefore, my credit reports do not currently accurately reflect previous payment statuses with, Department of Education/Nelnet, both as they actually existed and as Nelnet has recorded them. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the three accounts showing a 60-day late payment in XXXX XXXX be updated and/or corrected and removed. 
In the event that these reports are not immediately updated to accurately reflect my payment status during XXXX XXXX, I intend on filing disputes with each credit bureau in addition to official complaints with the FTC, and the BBB, and pursue other legal routes if necessary.
Complaint sub-issue: Having problems with customer service

The loan was provided by XXXX and is services by Firstmark Services. It was applied to my education at XXXX University between XXXX XXXX and XXXX XXXX. Prior to attending graduate school between XXXX XXXX and XXXX XXXX, I applied XXXX to set up automatic payments. Both times, the loan servicer reported never having received the required documents leading me to miss payments. After I completed graduate school and began to make payments again, I attempted for a XXXX time to set up automatic payments of {$200.00} a month. Again, the loan servicer reported not having received the request and resulted in my missing several payments. Additionally, they made no attempt to contact me via phone or email within the federally required time to rectify the situation, the first notification I received was this afternoon from the small loan provider I first dealt with when the account was 148 day past due. I set up automatic payments for the XXXX today but was informed that it would take 20 days to set up and the representative would not be able to see anything related to that request prior to that time. 

It is my belief that Firstmark Services intentionally " loses '' automatic payment requests in order to receive more money in late fees.
Complaint sub-issue: Can't use card to make purchases

XXXX XX/XX/XXXX went to the u.s. bank on XXXX and Arkansas put my card into the ATM machine the machine kept my card waited an hour to speak to a representative through the door to advise them of the problem they brushed me off I had to force them to take my name and phone number to recover my card out the machine call the branch manager XXXX XXXX and she threatened me not to approach her XXXX man who showed up while I was in line trying to make a withdrawal with a withdrawal slip instead of the ATM and she threatened to call the police on me because I knocked on the door to get her representative XXXX and XXXX 's attention to let them know of the situation I was having with my ATM card stuck in their machine I have to wait for days which is Friday to get my card back I'm appalled I've had my account for three years this was my first time having a problem with using it ate my card at the ATM machine and I thought it was very unnecessary for them to have to call the police and make threats to me not to approach their XXXX man with my ID to get my card because he was servicing the machine at that time and I do have pictures to show proof of what I experienced today
Complaint sub-issue: Didn't receive enough information to verify debt

consent to.I am a victim of identity theft and I believe my information is being used by very bad people on the dark web aka internet hackers. Having these False and misleading inquiries reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my kids. I ask that you please remove all these false misleading inquiries from my credit report immediately so I can began to repair my creedit and eventually get my daughter a house. please resolve this matter quickly. I have included a list of all inquiries that I did not authorize below along with the dates. My information was obtained without permissible purpose. 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint. 15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, 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 receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed below : 1XXXX, XXXX XX/XX/2019 2.DEPT OF ED- XX/XX/2019 3.XXXX- XX/XX/2019 4.XXXX XXXX XXXX- XX/XX/2019 5.XXXX-03/21/2019 6XXXX XX/XX/2019 I XXXX XXXX created this CFPB complaint all by myself because I was sick and tired of my rights being violated by the credit bureaus. please resolve asap. Also my rights were violated by employees at XXXX XXXX when I called to dispute these items. XXXX  Employees XXXX XXXX and XXXX XXXX openly admitted to me that they knew they were violating my consumer rights 15 USC 1681B ( a ) ( 2 ) and 15 USC 1681N ( b ).
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY CARD AND PHOTO ID AND OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT TO THE FEDERAL AGENCY I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Their investigation did not fix an error on your report

This account has been disputed multiple times due to the inaccuracies in the reporting with the company XXXX. It is showing I have past due payments in which I have never made a late payment. However, there was an incident to where my car was totaled and I was awaiting gap payment. The payment was held up due to XXXX being I constantly called the company as well as my insurance provider to make sure the car was paid off before my due date in which the company kept telling me they are waiting on paperwork from my insurance company who sent the paperwork multiple times. At this time my payment was made and I had a month to get things taken care of. By week 3, after continuous conversations with both my insurance company and XXXX, my insurance company wanted to call the company with me on the phone to verify things as they stated payment is set upon response from XXXX. While calling XXXX with my insurance adjuster, the company stated they didnt get the paperwork in which my adjuster notified the rep of the numerous times and dates paperwork was sent as well telling the company they are just waiting on the proper paperwork to pay the debt. I explained to the XXXX sales rep that my payment is becoming due and voiced my concerns of the paperwork being delayed intentionally after the rep just so happen to find the paperwork. Because of the delay in the companies efforts to get the account paid the account was paid a week after my due date. I dont think I should be penalized for the companies lack of effort especially when I was on top of things. Im hoping the company can review call logs and conversations and see that I tried to get this solved. Also, I am sure I can obtain a copy of my insurance adjusters notes from the case to verify our conversation because I asked her to note the conversation.
Complaint sub-issue: Investigation took more than 30 days

Over 30 days ago, I requested a credit investigation. I have not received me results yet, but I should have.
Complaint sub-issue: Banking errors

I closed my checking account due to horrible customer service and the balance was supposed to be sent to me by mail or transferred into another account. Citi argued with me about my actual ending balance and later found out that my balance was in a holding account. I spoke with XXXX seperate managers XXXX - empl ID # XXXX and XXXX empl ID # XXXX who both reassured me they will handle it and I will receive my money. It has been over a month and I still do n't have my money.
Complaint sub-issue: Transaction was not authorized

On XX/XX/XXXX, My bank ( Key Bank ) recently charged me fees ( {$15.00} on 4 occasions totaling {$60.00} ) associated with excessive transfers/withdraws from my savings account. When I reached out to them to see if there was any way they could be revrsed since I was not aware of these restriction on my account, the representative falsely said, " Those fees are federal regulated fees and are unable to be waived. '' But according to my research, Regulation D was waived in XXXX. XXXX and at least in the interim, was left up to individual banks discretion. After I pointed this out to the representative through an informed back and forth, where he repeated that this was federal regulation and there was nothing he could do, he ( XXXX XXXX changed his tune and admitted that it is in fact an institutional decision. At which point I asked to speak to his manager.

The manager waived the fees as a " courtesy. '' So I managed to get out of this situation... but I wanted to file this report as a record of Key Bank 's misconduct misleading consumers about what is and what is not federal regulation.
Complaint sub-issue: Reporting company used your report improperly

All three consumer reporting agencies are reporting an alleged medical debt furnished by XXXX XXXX XXXX that should not be furnished. This alleged medical collection was reported before it should've been. Account was opened XX/XX/2022 according to new rules taken up by XXXX, XXXX, and Equifax this Medical Collections account should not be on my consumer report until 6 months after the first date of delinquency. As of XX/XX/2022 they are not suppose to report until one year after first date of delinquency. This company clearly has not followed this rule. It has already Debt Parked this debt on my consumer file and nothing was done. Now I am Disputing the fact that this account shouldn't have been placed on my consumer report until 6 months after alleged delinquency by XXXX, XXXX, and Equifax.
Complaint sub-issue: Problem with personal statement of dispute

I checked my credit report today XX/XX/2022 and found a lot of inaccuracies across all three bureaus.. by law my credit report must be 100 percent accurate. Please check the attached credit report I pulled today. Date last reported, Date last active, High credit limit, and Date of last payment is not the same across all three bureaus This is account for XXXX XXXX XXXX account number XXXX with the balance of {$3300.00}. Please remove this account for violation for reporting inaccurate.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX, delteted an account from my credit file. Now they have are adding it back to my credit file one by one. When I checked my credit it now reporting on my equifax report saying I owe XXXX ( Whom I 've NEVER DONE BUSINESS WITH ) .. XXXX.. This account was deleted from all three of my reports late XXXX of 2017.. The FCRA states I must be notified in writing before it 's placed back on my credit. I never received notice. I believe I never received written notice because I 've informed them this account is fraud. It does n't belong to me. I have been a victim of fraud!! I also ask this company for validation of this debt and never received it. I received a letter from XXXX XXXX stated they would Deleted account from my files. *PLEASE ATTACHED INFORMATION *
Complaint sub-issue: Information belongs to someone else

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX and XXXX   XXXX
Complaint sub-issue: Didn't receive terms that were advertised

I opened a checking account XX/XX/ 2022 and deposited {$75000.00} for 3 months. I was supposed to receive a {$1000.00} promotional offer but was never received. I called mid-XXXX, they informed me that the terms were met but it could take an additional month. Mid-XXXX came around and have not received the bonus. I call again and now they tell me it could take an additional month. I explained to them that the last representative assured me that I would receive it in XXXX. I feel that the representatives are not adequately trained because I would get different information from them.