Johnade/consumer_complaints_cfpb huggingface dataset:
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 Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, US Dept ED Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX 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 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: Credit inquiries on your report that you don't recognize

Multiple credit inquiries on the report that were not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Complaint sub-issue: Information belongs to someone else

My name XXXX XXXX. Someone is impersonating me and stole my identity. I am requesting that any other variation of my name be deleted because its wrong, thats not me. 

My address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove every other address because no mail can be delivered to me through the Post Office, to these addresses and are therefore not reportable according to the Fair Credit Reporting Act ( FCRA ). 

I did not grant anyone written permission or instructions for the identified transactions to be reported on my consumer report. Therefore, I am requesting that the reporting of this information be deleted immediately My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX | XX/XX/2022 You have reported information that has damaged my reputation, caused me personal harm, and denial of credit products. Please remove these items now. 

I look forward to your response. Thanks
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX is reporting a past due charge off balance on my credit report for the account that is paid off satisfied and should not be on my credit in first place ... I have been trying to contact XXXX XXXX XXXX on several occasions only for their automated system disconnect me after 30 -50 minutes of staying on hold.. They did send me satisfaction letter but still reporting a balance and bureaus are not removing this account and not updating the balance to {$0.00} because XXXX XXXX is NOT responding ... please help
Complaint sub-issue: Their investigation did not fix an error on your report

I noticed inaccurate and unverifiable accounts on my credit report. Dispute letters were sent to XXXX, Equifax and XXXX for verification. Unfortunately, the unverified accounts are still reporting on my account. I feel like my rights are being violated at this point. Please Delete accounts.
Complaint sub-issue: Having problems with customer service

A student loan was obtained through XXXX. Mine. This company Amercian Education Services / Naitonal Collegiate Trust was informed that this account has been a result of XXXX but they are still sending this account to a collection agency for collection. The collections agencies after been advised that the account is a result of XXXX they continue to forward it to other debt buyers.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, i was looking through my credit report again couple of hours ago, and notice items that i been going back and forth with the 3 credit bureaus since XX/XX/2017 and they yet to get them resolved. I've called, mailed several letters and asked for update and they haven't updated those items. There are several accounts listed with multiple inaccuracies and it's a total violations to the state and federal laws. 

XXXX XXXX  Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX/XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX/XXXX  Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX/XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX/XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX/XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report.
Complaint sub-issue: Their investigation did not fix an error on your report

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX , TX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

XXXX Potentially negative Date openedXX/XX/XXXX Balance {$350.00} XXXX account. {$350.00} past due as of XX/XX/XXXX. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX , TX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Lexis Nexus shows a court case with unpaid rent attached to my information. 
Ive submitted 3 investigation requests to lexis nexus since XXXX regarding incorrect information theyve attached to my ssn including a notarized not one in the same form. Ive contacted the courts and theyve stated they are not reporting information to lexis nexus but the company pulls data. There is no identifying information on the court documents beyond a first/last name and address. The address is similar to one I lived at a decade prior to this issue but not one Ive occupied. Ive contacted the landlord listed on the court documents and she has stated the tenant was related to their grandchild and is in their XXXX ; has no contact information for the tenant. 

Ive spoken to countless lexis nexus representatives and have been told requests have been filed, information taken down, nothing further can be done, no one else I can speak to, no further information needed, nothing I can do. 

Last request sent XX/XX/XXXX Name- XXXX XXXX XXXX XXXX XXXX 3rd dispute. 

Never lived at XXXX XXXX XXXX XXXX XXXX IN XXXX ; I lived at XXXX XXXX XXXX XXXX XXXX IN XXXX in XXXX. 

Was never a tenant of XXXX XXXX. 

At the time of this court case, I lived in the home I own in XXXX IN and my last name was XXXX. 

I have spoken with the XXXX County Courts regarding this matter on several occasions due to your inaccurate information ; they have advised the attached form. They have stated there is no identifiable information on this court case to link this inaccurate information to me. They stated they do not report information to LexisNexis, that LexisNexis pulls information from their database. 

This was a different person with the name XXXX XXXX. I have advised LexisNexis of this error multiple times and the company has refused to correct their records. This is a libel ; the company has been advised multiple times, documentation has been provided. Cease and desist reporting of unfactual data on my report immediately. 

Regards, XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the following accounts has violated my rights. XXXX account # XXXX, XXXX XXXX XXXX account # XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

My debt collection says I owe {$540.00} as the date of XXXX XXXX but I had XXXX XXXX insurance during that year and I tried to pay XXXX off with my health insurance.
Complaint sub-issue: Account status incorrect

My account has been either in forbearance or Ive been back in school ever since I took out these loans. Ive been adamant about it. Yet they keep reporting these months within the cycle as missed payments which is negatively impacting my credit + Ive requested four times this year for this to be corrected.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this XXXX complaint myself and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. There are still remaining Inquiries that are reported to my Credit Report. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Contacted your employer

A representative from General Revenue Corporation contacted my employer on XX/XX/2022 at XXXX XXXX  and demanded the front desk provided them with my full contact information and verification that I worked for my employer. When the front desk worker refused to acknowledge any information until the caller provided their name and reason for the call, the debt collector, according to the front desk worker, began to become " hostile '' and " uncomfortably persistent ''.
Complaint sub-issue: Old information reappears or never goes away

Discover Bank, NA continues to report this debt as being active and new to my credit report which stops me from attaining new credit and causes me harm and distress. I have contacted Discover where they claimed they will remove the account from my credit report and will do so however after about 30 days will show up again. <P/>Because of their derogatory reporting it has been very difficult to get my life in order. One representative informed me that sometimes it is just our job to make sure your life is n't easy because you do n't get to get the easy route when some of us have it hard. Discover is reporting to XXXX  This issue with Discover has been going on for several years and the great hardship it has caused including extra lengthly investigations into my background checks for the renewal of my clearance has not been easy and very stressful. <P/>As one of their employees informed me we do not exactly care, because it does not afect us in the slightest bit. According to the system the call may be recorded for quality and training purposes, however I do not know if it tuly were.
Complaint sub-issue: Can't get other flexible options for repaying your loan

This company is currently servicing two of my private student loans. I have contacted them several times by phone and by email for assistance in repaying my loans. The interest rate has continued to go up and has increased four times in the past twelve months. I can no longer afford the payment as it has increased to over {$500.00} a month and they have done nothing to try to help provide me with relief. I have paid on this loan for over three years and every single payment has gone to interest. I believe that their loan practices have resulted in a violation of the UDAAP as the principal balance of the loan has more than doubled and by the time I have paid it off, it will have quadrupled. The only relief they offer is to service members, and I am only a child of a veteran I have not served myself. Therefore, they will do nothing to assist me. I have contacted them over the past four years so that I could get help before it got to the point where I could no longer afford my monthly payment. They are putting young students in debt that they will not be able to afford to pay back and it needs to end before we have another economical crisis.
Complaint sub-issue: Account status incorrect

I have disputed the late payments XXXX XXXX and XXXX XXXX XXXX XXXX on accounts for months..Credit Bureaus also refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Complaint sub-issue: Threatened or suggested your credit would be damaged

The original issue was with Macy 's Department store, who's accounts are managed by Citibank. Now a collection agency is jumped on the band wagon - XXXX XXXX XXXX. I have attached the communication in detail. Net message is My husband and I have had a Macy 's card since 1996, no late payments. We went to use our card twice and was told it was delinquent. I phoned Macy 's and found out that Citibank changed the name on the account to my sons and his wife, changed the billing address and social security numbers on the account. My son and his wife filed bankruptcy and had a Mastercard with Citibank - Citibank took it upon themselves to close the account because they said it was part of the bankruptcy. Please see the details on me trying to get it corrected. Now I am getting notices from a collection agency. All documentation is attached.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was buying a car and the dealership kept running my credit after I told them run it once.
Complaint sub-issue: Account status incorrect

This account was opened XX/XX/XXXX. It was paid off at the end of XX/XX/XXXX with certified funds from my closing attorney. They were notified it was going to be paid in full. It took weeks before my payment posted. They reported a 30 day late on a closed account.
Complaint sub-issue: Account information incorrect

I have 30 day late payments on my credit report and have tried to dispute it but. I keep getting blown off. I sent the first letter requesting back up for the bad information that was on my report and waited 30 days no reply then I sent a second registered letter waited anouther 30 days for a response they sent me some letters that had nothing to do with what I asked for. they ca n't do what ever they want they need to abide and required by law, under the FCRA, to have properly verified the accuracy of an account listed on my credit report. they recently replied and said in the results of your first re-investigation, that you verified that these items are being reported correctly.
formally requesting the following : 1 ) Where are the documents that you used to verify these accounts?
2 ) What is the name of the person in your company who verified these accounts?
3 ) What documents did they use to verify them?
4 ) Please provide me with the name of that individual, their business address, and telephone number.
no responce
Complaint sub-issue: Their investigation did not fix an error on your report

THE BUREAUS ARE STILL REPORTING INACCURATE ACCOUNTS AND THEY NEED TO BE REMOVED IMMEDIATELY. I DONT EVEN BELIEVE THEY HAVE CONDUCTED PROPER INVESTIGATION AND IT HAS BEEN MORE THAN 30 DAYS.
Complaint sub-issue: Account status incorrect

Hello, The account under my Equifax named XXXX/XXXX  is showing that is still open. This account is suppose to be closed because it was included in my chapter XXXX bankruptcy that was discharged XX/XX/2020. It is showing to have a balance of {$170.00} and a limit of {$250.00}.
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 XXXX XXXX, Account number : # XXXX, Account name : XXXX XXXX, Account number # XXXX, Account Name : XXXX XXXX Account name : # XXXX, Account Name : XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account Number : # XXXX Account Name : XXXX XXXX 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 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 eleve mane information is inaccurate.
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/XXXX I opened a Citi regular checking account. I opened this account in response to an offer Citi had emailed to me on XX/XX/XXXX by clicking on the " see offer details '' button in the email and then signing up online on the Citibank website that clicking this button lead me to. You will find a PDF of this offer attached. 

The offer clearly states that a promotional bonus of {$400.00} will be deposited into this new checking account if {$15000.00} or more is deposited into the account within 20 days of opening and if that balance is maintained after opening for an additional 60 consecutive days. 

On XX/XX/XXXX I deposited {$15000.00} into my new Citi regular checking account. I maintained a minimum balance of at least {$15000.00} dollars in this new account until XX/XX/XXXX. This is XXXX consecutive days. This fulfils the terms of the agreement I entered into with Citibank and thus requires them to deposit the {$400.00} bonus into my Citi regular checking account which is still open. 

I have called the company at least 12 times regarding this problem. I have been told by multiple representatives that I have fulfilled all terms of the agreement, that they see the promotion attached to the account, and that all I needed to do is wait and the money will be deposited into my account. I have emailed once and faxed 3 times the same attached email offer submitted here to the CFPB to the Citi Promotions Team in a fruitless attempt to fix this situation. I can not devote any more time trying to convince Citibank to live up to the terms of the offer that I accepted from them for this checking account, and thus am seeking the CFPB 's help in this matter.
Complaint sub-issue: Personal information incorrect

XX/XX/XXXX filed a dispute on equifax credit report. And put a fraud alert with the 3 credit reporting agencies. XX/XX/XXXX called equifax trying to get an update about my dispute. I used the name that i been using for the last 12 years. They do not want to update my name saying my recent lenders sent them that name which us not true because the other 2 reporting agencies have my correct name. Equifax have the correct info. Will not give me the status if my dispute answred all the questions correct. I filed under the name i use. They put it under the name they have not updated saying its the lender. but the lender sent correct name to the other 2 credit reporting agencies