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

I have repeatedly disputed XXXX XXXX credit card because its not mine and they refuse to remove it from my credit file. 

I also repeatedly have disputed XXXX XXXX XXXX AND XXXX XXXX XXXX because they have repeatedly failed to validate the debt and Ive never signed any type of contract with them or any company theyre claiming to represent. I want them off of all of my credit reports and XXXX XXXX XXXX  as well.
Complaint sub-issue: Account status

After a XXXX XXXX in XXXX, I was given a medical aid to use at home from XXXX XXXX XXXX. They were to bill my XXXX XXXX XXXX XXXX ( XXXX ) and I would pay the balance. They delayed the Insurance billing and I informed XXXX XXXX that I would pay after the XXXX was issued. XXXX sent my file prematurely to a Collections Company which reported a {$47.00} Collection Record on XXXX and Equifax. In XXXX, XXXX I received notice of XXXX submitting their portion of the {$47.00} payment to XXXX XXXX and an updated billing from XXXX which also reflected XXXX payment of their share of the bill. I then paid my balance to XXXX XXXX which totaled {$9.00} in XXXX, XXXX. In XXXX, XXXX I submitted a Refinance Application for my home and discovered a Collection Record on my Equifax from XXXX ( XXXX XXXX '' ) for the original amount of {$47.00}. This should never have been sent to Collections, as my account has been paid " on time '' with XXXX XXXX in conjunction with my Insurance Company payment. My Mortgage Lender tells me that this item has decreased my Mortgage Credit Score by at least XXXX points and I will be forced to pay a higher Interest Rate and Loan Service Fee unless I have this erroneous Collection Record removed from Equifax. XXXX is not reporting the Collection and my XXXX Mortgage Credit Score is XXXX, while my Equifax Mortgage Credit Score is in the high XXXX with this particular Collection Account as the only Negative Item reported. I have all the billing and payment information to show the transactions as I described and I need this erroneous and Collection Record removed from Equifax.
Complaint sub-issue: Their investigation did not fix an error on your report

I am serious about the applicability and reliability in the recent study along with the balance and missed payments pertaining to NELNET LNS accounts and exactly how they are reporting on my credit report. With Section 1681 ( g ) I  recommend them to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but until now no information received. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked and these violations persist on my credit report.
Complaint sub-issue: Account status incorrect

I have a Home Depot card which was issued by Citibank in XX/XX/XXXX. Card was being handled by XXXX XXXX and collection since XX/XX/XXXX. I was making payments to XXXX each month. 

In XX/XX/XXXX, when i saw XXXX was no longer making automatic debits from my account for the payment, i contacted Citibank collection services at XXXX. I was told Citibank had taken over this account from XXXX XXXX as it has passed its statue of limitation. After repeated requests to Citibank, they are refusing to issue me a letter explaining what the status of my account is with them and what my rights are. 

Everytime i have called i was put on a collection s [ specialist overseas who refused to let me talk to a supervisor. My account number with Citibank is XXXX. My contact number is XXXX. Thanking you.
Complaint sub-issue: Don't agree with the fees charged

XXXX XXXX XXXX XXXX - XX/XX/XXXX - loan taken out for {$22000.00}. Before son XXXX I ended up in bankruptcy in XX/XX/XXXX. Just came out of bankruptcy in XX/XX/XXXX. I want to start repaying XXXX XXXX XXXX, but received a letter informing me from Nelnet that an additional amount of {$8000.00} is being ADDED to my loan. That's almost 40 % increase of original amount. I'm just coming out of bankruptcy and trying to do the right thing and repay BUT, it is unacceptable to be hit with these fees. I'm more than willing to negotiate an interest / penalty amount that is fair to both. I will even start an automatic deduction but I will not pay 40 % more after just getting my finances in order. NOTE - that my bankruptcy paid all creditors in full, nothing was written off. I'm willing to do the same with this loan also. Any help would be appreciated.
Complaint sub-issue: Other problem getting your report or credit score

Equifax has placed a lock on my credit file which is preventing me from being able to pull my report when needed.
Complaint sub-issue: Can't use card to make purchases

I received a new Discover Card in the last couple of months. It came with an {$8000.00} credit limit. They send me emails and ask why havent I used the card yet. They offer balance transfers that I must complete by a certain date so that I can take advantage of the XXXX percent offer. However, whenever I try to make a purchase it never goes through. Whenever I try to do a balance transfer it will process for a few days and then get rejected. My card is active and in good standing. I dont know if Discover is being deceitful in their advertising or if this some fluke in their system. A bait and switch scheme of some sort? I just dont know.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

BestBuy CitiBank card has been billing me for Enhanced Debt Protection. I don't know what Enhanced Debt Protection is.  There is no information on the website or through XXXX search. They gave me a wrong phone number when I called and the same wrong number in an e-mail. E-mail replies directed me to a webpage that was out of service on multiple occasions. I finally got a reply on their site that says I enabled this in XX/XX/XXXX, it is now XX/XX/XXXX. They say since my account was protected by the benefits I can not get a refund for any of the months they billed me including the last month.
Complaint sub-issue: Account status incorrect

THIS IS MY SECOND TIME CONTACTING YOU ALL REGARDING THIS ISSUE. Incorrect and inaccurate information is being furnished on my credit report. I do not owe XXXX XXXX nor do I have an outstanding balance with them. see attachment as proof of inaccurate information.
Complaint sub-issue: Personal information incorrect

I have disputed this account and have reached out to Equifax MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Complaint sub-issue: Unexpected increase in interest rate

XXXX sent me a letter dated XX/XX/2018 Citi/XXXX stated that about how the 3 Credit Bureaus that Citi/XXXX noted on my credit file disputed by the consumer. That's not my complaint is that Citi/XXXX is to show on notes on the credit file that Citi/XXXX requested that the account be closed show it's suppose to state closed by the ( CREDITOR ) My next issue I have had the account over 9 years and that it was not clear when I called in I was told by there rep it did not matter and then Citi/XXXX had a nasty attitude when calling about the account. It's all about Fee 's and how to charge the consumer more money. Citi/XXXX as if the account/form they mailed out cant be retracted by error.
Complaint sub-issue: Reporting company used your report improperly

accordance with 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 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
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 {$6300.00}, {$4000.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXXXX/XX/XXXX
Complaint sub-issue: Account information incorrect

I have 3 missed payments on my first progress credit card. The card is paid off and closed. I called in to first progress to ask if theres anything I can do to get rid of the late payments so they instructed me to fax in a Good will letter and they will forgive the late payments. After I sent it in I called again to confirm the late payments were take off and they said yes it should be updated within a month. I still see the late payments on my credit report Im hoping those can be taken off.
Complaint sub-issue: Contacted me after I asked not to

My Federal Loan Servicer, Great Lakes Educational Loan Services ( GLELS ), created a new Unemployment Deferment form OMB No. XXXX ( Expires XXXX/XXXX/2018 ), which authorizes " them '' to contact me " only '' by cell phone on page XXXX of the form. I " only '' want to be contacted by GLELS through the U. S. Postal Service and I want my loans discharged according to the discharge clause in " our '' Master Promissory Note contract, where I was a victim of crimes by the University XXXX XXXX XXXX XXXX ( XXXX ) employees. 

I have asked that my Federal Student Loans be discharged due to the beating, discrimination, and fraud I suffered from employees at OUHSC. Therefore, I am registering a complaint about this form with the Honorable Senator XXXX XXXX ( XXXX ). Furthermore, I am writing President-Elect XXXX and President Obama about this matter requesting my student loans be discharged and those that committed crimes against me regarding this matter be immediately arrested.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, and 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't furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

Theses companies need to do there due Diligence on how they allow People to Commit fraudulent Crimes using people personal Information. 
because someone got a hold of my personal Information. I am Now a victim of Identity Theft. I Did not give anyone Permission to Open these Accounts
Complaint sub-issue: Information belongs to someone else

I have asked XXXX and XXXX and Equifax to remove all of these inquiries from my credit report. I did not apply for the 61 inquiries within a six month. Please remove them. They have yet to do cell after admitting this is very unusual and they would take care of it, they have not. They still show on my credit report.
Complaint sub-issue: Application denied

Received five pre approved offers from Discover and ran thru online pre approval same day of application and then denied for the card. Used XXXX XXXX XXXX XXXX XXXX XXXX XXXX  application.
Complaint sub-issue: Banking errors

Unbanked ( UNBNK ) ran a promotion for a bonus payout of {$150.00} worth of UNBNK upon spending XXXX XXXXXXXX by XX/XX/2022. I completed the requirements and Unbanked is refusing to payout the {$150.00} bonus to me. Please find proof of my claim, attached. Unbanked has made false assurances claiming that I would qualify for this promotional bonus as there were ample spots left and that I would make it in time without any issues, whatsoever. Then they stalled paying me out and turned their story around saying that I was not eligible. This is immoral and unethical customer service. Unbanked needs to recognize that over-promising is wrong and they need take responsibility for their mistake by honoring the payout to me.
Complaint sub-issue: Information belongs to someone else

I UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD
Complaint sub-issue: Reporting company used your report improperly

CONSPICUOUS NOTICE As a Federally Protected Consumer, I demand to invoke my right to opt out in relation to disclosing my nonpublic personally identifiable financial information to nonaffiliated third parties. According to 12 CFR 1016.10, an opt out is given by direction of the consumer. I am requesting for CITI CARDS to immediately stop sharing my personally identifiable financial information with all credit reporting agencies and all other third parties. The personally identifiable financial information includes : information a consumer provides to you on an application to obtain a loan, a credit card, a credit union membership, or other financial product or service, account balance information, payment history, overdraft history, and credit or debit card purchase information, any information that a consumer provides to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a loan or a credit account as defined under 12 CFR 1016.3 ( q ) ( 1 ) ( 2 ).
Complaint sub-issue: Information belongs to someone else

I submitted an FTC report and I haven't got a response back from the major bureau. I am a victim of Equifax data breech this is fraud on my account. I never agreed to having these credit cards on my account, I am very upset.
Complaint sub-issue: Debt is not mine

Debt was incurred on a credit card that was not ordered by me and occurred in a place where I was not. I was going to college in Arizona. XXXX credit management also notified me past the statute of limitations.
Complaint sub-issue: Problem during payment process

I received a notification from Home Depot that I still owed {$340.00} out of {$390.00}, on my due date of today XXXX XX/XX/XXXX, After making two payments which processed, of {$350.00} on XXXX XX/XX/XXXX20 and {$50.00} on XXXX XX/XX/XXXX. My payment for the XXXX due date processed on XXXX XX/XX/XXXX and I was current on my payments. I spoke with the representative XXXX XXXX, who tried to give me some nonsense that the original XXXX did not go towards the XXXX payment even when the payment was made after the XXXX cycles due date. I am tired of these credit card companies, for these stores, playing games with peoples payments. Payments received after a due date should be posted for the next month 's due date.
Complaint sub-issue: Information belongs to someone else

The following accounts listed on my XXXX, Equifax and XXXX XXXX credit report are fraudulent, unauthorized and not my accounts : XXXX, {$14000.00}, XXXX XXXX  XXXX XXXX XXXX, {$5000.00}, XXXX XXXX   XXXX XXXX, {$30000.00}, XXXX, {$3400.00}, XXXX XXXX XXXX, {$500.00} and XXXX XXXX/XXXX XXXX   XXXX, {$1800.00}. I been receiving harassing and threatening telephone calls at XXXX XXXX and XXXX XXXX  of profane and abusive language from the listed creditors regarding a debt I dont owe the creditors for, because the accounts are fraudulent and not my accounts.
Complaint sub-issue: Can't decrease my monthly payments

I consolidated XXXX loans at different % from 1 to 6.8 %. The formula use to add all loans at different % is not to favor the borrower but the institutions. The % that I got is still to high at 6.12 % and cant make payments. They sold my loans to other institutions that I had at 1.5 % and gave it to me at 6.12 % in the consolidation? Is this fair? yes I read the fine print. I did not have to consolidate the lower % loans, but could not cover the monthly payment with so many loans. You tell me. How can we jump in XXXX giving fairness all the tactics that the lenders use to profit from the education that we seek.
Complaint sub-issue: Privacy issues

Having a XXXX XXXX XXXX Visa and a XXXX XXXX XXXX by XXXX XXXX and Bank Debit Card, for approximately the last 2 years these cards purchases were continually be " Declined '' or the merchant was being told to " Manually enter the Card Information '' entertainment activities Charges were continually being " Declined for rhetoric reasons '', text messaging for account balance were continually being manipulated with a " lower balance '' Treasury Deposits were being delayed. I have changed Banks to XXXX and the same " Text Manipulation for balance '' Now that I Bank with XXXX the same problems are reoccurring and I have been told that the " ELAN FINANCIAL SERVICES '' Monitors XXXX XXXX Bank Cards and XXXX Bank Cards and XXXX XXXX XXXX Arizona. It is my assumption that this problem was done purposely and intentionally to disrupt and confuse up to date balances and spending.
Complaint sub-issue: Not given enough info to verify debt

I owe an apartment complex money so i called and thwy gave me the number to pro collect ... who can not fibd anything XXXX my name or ss # ..and there was no account number kisted on my credit report
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, Account number XXXX, XXXX XXXX XXXX Account number 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: Talked to a third-party about your debt

Several attempts were made by Discover Card to reach my roommate by telephone -- which I feel is beyond unethical and unacceptable. I am trying to catch-up on bills and feel that they should not reach out to random people -- like your roommate. 

The Executive Office acknowledged on XX/XX/2020 that the company did indeed make these calls. Can you please make sure other parties aren't enduring the same unethical behavior and make contact with the company? 

Thank you for your time and all you do!
Complaint sub-issue: Information belongs to someone else

Hello this is my second letter and it seems to me as if youre not going to respond back. Its been over 30 days and still I have errors on my credit file. I am disputing the erroneous accounts as an internal dispute and as an affidavit. 
I have received a credit report claiming that i owe on debts. To my knowledge I am unaware of the erroneous information your company continues to report. Since this is an error, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof. You didnt and it has been over 60 days, by law you are to remove the accounts listed permanently and immediately. No creditor or credit agency contacted me to ask for my consent so youve broken the law. Please remove within 24 hours or things will get really ugly. 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX Sincerely XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions in accordance with the Fair Credit Reporting act 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 in accordance with the Fair Credit Reporting act 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 in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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: Account information incorrect

I have repeatedly disputed the accounts with ALL the of the major credit bureaus stating I do not owe XXXX XXXX XXXX XXXX. The credit bureaus all come back stating the information has been verified. XXXX XXXX XXXX XXXX has been paid to the original creditor by my insurance company before any collections. XXXX XXXX XXXX XXXX Is reporting to unpaid accounts on all my credit reports that are incorrect.
Complaint sub-issue: Information belongs to someone else

Filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days and I still haven't received any responses. 

Initial dispute XX/XX/2021
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Was not notified of investigation status or results

A request was submitted to Equifax credit reporting agency to resolved a disputed item in the credit report, item XXXX for an alleged debt involving alleged creditor XXXX. A dispute and request for investigation for removal was mailed to Equifax on or about XX/XX/XXXX for myself. I alleged that the alleged debt was non existent and could not be substantiated and thus was incorrectly reflected as a charged off account on my credit report and demanded the debts investigation and deletion. 

To this date, XX/XX/XXXX, Equifax has failed to investigate the claim or respond in any meaningful way. They have failed to respond within 30 days.