Johnade/consumer_complaints_cfpb huggingface dataset:
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under C + open end consumer credit plan as late for any purpose.

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Complaint sub-issue: Account information incorrect

Account # : XXXX This complaint is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : Upon obtaining my credit reports I noticed several inaccuracies being reported across the three credit  bureaus. 

The bank name is being reported differently on my credit reports : XXXX  ; XXXX XXXX XXXX with address as XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX : The XXXX XXXX XXXX with address as XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX : XXXX/TOTAL CRD with address as XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX  : current status is listed as Charged Off as bad debt XXXX : current status is listed as Charge Off XXXX  current status Acct transferred to another office XXXX : 30 day late XX/XX/2017 XXXX : 30 day late XX/XX/2017, XX/XX/2017 XXXX  : 60 day late XX/XX/2017 XXXX : 60 day late XXXX date of last activity : XXXX XX/XX/2017 XXXX  XX/XX/2017 Closed date of XX/XX/2017 is only being reported by XXXX
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$1100.00} ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$1000.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$62.00}
Complaint sub-issue: Didn't receive enough information to verify debt

I, XXXX XXXX  request for a full disclosure on ownership on a debt stated by Citi Cards that it has been sold/acquired by a third party. My argument is complicated but on point. In every state there are specific requirements on debt transfers. Even though the state of New York outside the boroughs of XXXX XXXX XXXX does not have a specific licensing requirement for third-party debt purchases, the problem remains a national nightmare since the XXXX et al v. XXXX XXXX XXXX XXXX decision US Supreme Court No. XXXX Decided XX/XX/2017. I now have no choice but to take my complaint to the Office of Attorney General state of New York. The CFPB does not give legal advice, but the problem remains current in the third-party debt purchase business. The debt as a stated purchase can not be acquired as the probability is 100 % that the original debt is part of a securitized trust. Citi Cards has no position to sell off the debt, only the rights on assignment to collect. This collection is already a complete falsehood. I hereby attach a similar disputed process on the collection process and require a full qualified written request of the original procurement of debt. The Federal Trade Commission also has a strict mandate on ownership transfer FTC v. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). The main issue on that decision is quite certain, the transfer on debt purchase must be proved, not by a simple letter from the original that the debt was sold. This lack of documentation will not stand in any state court for collection enforcement purposes. Accordingly, since Citi Cards has erased the debt from my personal credit reports, either by deletion of the account or by updating to a XXXX balance, they can not take the debt back into their own loss mitigation unit. The collection is a complete farce and must be purged permanently. The requirements on such a collection within the state of New York have also been broken. I have attached several items to this complaint for the Consumer Financial Protection Bureau review. My argument is solid and the debt purchase arrangement is fraudulent and baseless.
Complaint sub-issue: No notice of investigation status/result

This is the the results from the from the so called investigation. XXXX is saying that the account is open, and unpaid, but when you call XXXX XXXX XXXX they say they sent the request to delete the incorrect information on XXXX/XXXX/2016, but Equifax sent me the following information : & gt ; & gt ; & gt ; We have researched the collection account. Account # XXXX The results are : Additional information has been provided from the original source regarding this item. We have verified that this item has been reported correctly. If you have additional questions about this item please contact : XXXX XXXX XXXX I, XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX, XXXX ; Collection Reported XXXX ; Assigned XXXX ; Creditor Class Insurance ; Client XXXX ; Amount {$84.00} ; Status as of XXXX Unpaid ; Date of XXXX Delinquency XXXX ; Balance as of XXXX {$84.00} ; Individual Account ; Account # XXXX ; ADDITIONAL INFORMATION Consumer Disputes This Account Information ; Collection Account ; Address : XXXX XXXX XXXX XXXX TX XXXX Like I said above, XXXX said that the account should be deleted, so I am trying to figure out what type of investigation Equifax is doing when the people who entered the information is saying that they sent a deletion request on XXXX/XXXX/2016, and Equifax is saying that the information is accurate on XXXX/XXXX/2016.
Complaint sub-issue: Reporting company used your report improperly

MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM A THIRD PARTY OR AGENCY. I have already sent equifax a written instructions to remove accounts off my credit file because I never gave them permission to furnish the report pursuant to TITLE 15 USC 1681b. They have failed to comply and adhere to my consumer rights. The CFPB is supposedly established to help the consumer in these situations. Please do your job and get the positive results I want. There shouldnt be any reason why when I confront a credit reporting agency and show them the code that shows how they are violating my rights that the violation shouldnt be cured immediately.
Complaint sub-issue: Information belongs to someone else

Upon checking my Complaints # XXXX, XXXX, and XXXX, I found out that it was closed last XX/XX/XXXX. Again, it has been drawn out into the open that the 3 credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the credit bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here is the list of unverifiable items found on my credit report XXXX XXXX XXXX Balance : {$1400.00} ; XXXX, IL XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ;
Complaint sub-issue: Reporting company used your report improperly

Improper use of your report 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Complaint sub-issue: Received bad information about your loan

XX/XX/2018 I received a text message from Nelnet ( XXXX ) XXXX ) stating my loan was in default. This is not Nelnets phone number nor is the number to contact them back at ( XXXX ). I called the phone number where I told them my social security, date of birth, name. They then told me my loan was fine but if I knew someone by a different name that may be listed under my account. I have reported this issue to both Nelnet and the department of education along with re obtaining my XXXX account to watch for fraud or identity theft. I am unsure what else I need to do or report to protect my identity.
Complaint sub-issue: Their investigation did not fix an error on your report

I have filed countless disputes into erroneous credit inquiries into my credit report thru Equifax. They sent me a blanketed letter on XX/XX/2021 stating that they verified 11 of the inquiries. But how did they do that when I have not received any proof that these inquiries are mine which they are legally supposed to supply. They have by law 30 days to verify this info or it must be deleted. They have not verified this info as they are also not allowed to use their E-Oscar system to verify things as they must verify info thru the original creditor to accurately verify info which they have not done so. I have received zero documents in the mail verifying these inquiries. They do not get longer than 30 days to verify info. Not 45 days. Not 60 days. Only 30 days. They are illegally reporting erroneous and unverifiable info on my credit reports still. I will be seeking legal council and taking this to court if they do not remove these illegal unverifiable injuries from my report as this is now defamation.
Complaint sub-issue: Reporting company used your report improperly

This company has violated my rights to privacy 15 U.S.C 1681 section 602. A states i have the right to privacy 15 U.S.C 1681 Section 2 - It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with collection of any debt
Complaint sub-issue: Their investigation did not fix an error on your report

I had a personal loan from a company called XXXX XXXX. I had a 24 month loan, which I repaid in full in XX/XX/2022. Since XX/XX/2022, XXXX has failed to update my Equifax credit report even though I have asked them to do so many times. I submitted a dispute with Equifax and they found that I still have a balance of {$1300.00} owing to XXXX which is simply untrue. I would be able to download and attach the loan repayment schedule, but XXXX was acquired by a larger company named XXXX XXXX, and I no longer have access to log in to their portal and pull my loan payoff certificate. So my complaint is against XXXX XXXX, XXXX XXXX, and Equifax.
Complaint sub-issue: Charged too much interest

In XX/XX/2022 my statement from Shop Your Way Mastercard charged me interest for late payment of the amount charged in XXXX, XXXX. The payment was due on XX/XX/2022 and their records showed that the payments were made on XX/XX/2022. I called the Customer Service line and when they reviewed the transactions they agreed that the charge was incorrect and told me they would eliminate the interest charge, so, I made a payment less the interest charge. 
I just received the XX/XX/2022 statement from Shop Your Way Mastercard, and they did it again. This time the payment was due on the XXXX of the month and the payments were received on the XXXX of the month. 
When I called them, they refused tor waive the interest stating that I had not paid the prior balance in full. It didnt ' make any difference how many times I explained that the balance paid was the amount less the interest I was illegally charged, they insisted that the balance for the prior month had to be paid. So, basically, they are charging me interest on interest which is illegal. 
You assistance in investigating Shop Your Way Mastercard appears to be necessary
Complaint sub-issue: Received bad information about your loan

Hello, I desperately need help dealing with my Fedloan servicer. I used to be with XXXX  and then when I started working for a Non profit hospital I went for the loan forgiveness. So I started working for this hospital on XX/XX/XXXX and I filed a month later for loan forgiveness. I have now been with this company for 4 years. The first year I went to certify and was approved, However theydont want to count that year. Fedloan says they need to investigate my payments with XXXX. I have sent them everything they asked for and XXXX has too. They have been " investigating this for 3 years now and they said there is no time limit. Meanwhile they are no longer going to be my servicer after XXXX of XXXX so I need this fixed. I have spoke to so many people and get the same answers its under investigation. This is wrong I should have more towards this than what they are saying I do. Please help
Complaint sub-issue: Company closed your account

I was with discover for a few years and Ive always paid my card off in full every month. They cancelled my card out of nowhere. Ive called so many times like 10 trying to get answers with no response. Please help!
Complaint sub-issue: Information belongs to someone else

These 2 accounts & 2 inquiries are not mine : XXXX XXXX : {$2100.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$1900.00} - XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX XXXX XXXX was the name of the original creditor. I paid the copay and insurance covered the remainder of the payment. There is no due balance yet a credit collection agency named XXXX XXXX XXXX is attempting to collect a total balance of {$590.00} as of XXXX 2017. XXXX XXXX has no records of a balance of {$590.00} passed due for me.I have contacted XXXX XXXX XXXX and the company only removed the collection from my XXXX report. I would like this removed from my XXXX and full credit report as well.
Complaint sub-issue: Their investigation did not fix an error on your report

I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX Date of inquiry XX/XX/2020
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX, XXXX  XXXX XXXX XXXX,
Complaint sub-issue: Didn't receive enough information to verify debt

I, XXXX XXXX XXXX, attempted to open a line of credit with a major credit company. I was told due to a mark on my credit report that I can not participate in such lines of credit. I checked my report through my bank, and saw a collection for the total of. XXXX $ on the date of XX/XX/2018. I never received a call, or a letter of verification or ability to dispute within 30 days. I was never informed of where this apparent debt was incurred, or how I could even potentially pay it off. 
This is a clear violation of the Federal Debt Collection Practices Act.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft, having my personal bank accounts compromised and credit cars opened in my name. I have filed FTC reports for the Identity Theft and my bank accounts was closed due to my accounts being compromised. I have provided XXXX with the FTC report for the identity theft and they are still attempting to collect the fraudulent debt. They are using account statements and fraudulent payments that was processed from my bank account that was compromised as verification of the account. I did not open the accounts. Someone had access to my personal information and applied for the cards. I did not give XXXX to the authorization to report any information to my credit file. Pursuant to the Gamm- Leach- Bliley Act I have to give a financial institution permission to report on my credit file. I was also not given any chance to opt out. They are in direct violation with the FDCPA for attempting to collect a debt that I do not owe. I am being harassed and abused. They are also violating the FCRA and violating my right to privacy reporting this alleged debt that was created due to identity theft of my personal and bank account information. I do not consent to any reporting and I demand these accounts be deleted immediately. I also demand the debt be XXXXXXXX XXXX out in their system.
Complaint sub-issue: Problem with rewards from credit card

Hi CFPB and Citi Bank Compliant office, I have a citi bank credit card with a credit balance of {$150.00}. I requested bank to deposit the amount to my checking account or send me a check to my address. 
I called citi bank customer care several time ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and online remote agents failed to provide any solution to this problem. Citi online agents said they are investigating and providing me no solution.
Complaint sub-issue: Old information reappears or never goes away

After reviewing my credit report, I noticed I have 18 non-derogatory accounts and 14 derogatory accounts reported by the Department of Education / XXXX. On XX/XX/XXXX, I spoke with a representative from the DOE who informed me in XXXX ; I entered into a rehabilitation agreement. Since I completed it, he stated, all derogatory marks should have been deleted from my report. However, they were not. I received a fax from him confirming this. 

Also, I have three ( 3 ) derogatory student loan accounts reported by different lenders, depending on the bureau. 

XXXX  is reporting three ( 3 ) delinquent accounts from AES/XXXX XXXX. As of today, XX/XX/XXXX, the dates indicated as late are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX. I have contacted AES/XXXX XXXX, and they advised me that my account was transferred in XXXX. I have contacted this company numerous times. No further actions were taken. One representative informed me they have been having issues with reporting. Then another said, there wasn't an error even though I sent a copy of the report to their dispute department. In addition, there are more late payments between XXXX and XXXX reported by them. Which, I don't understand since I was rehabilitation. 
As per XXXX, the above mentioned loans original balance are as follows : {$2600.00}. 
{$580.00} {$1700.00} XXXX  is reporting three ( 3 ) delinquent accounts from XXXX. Each account shows late payments from XX/XX/XXXX to XX/XX/XXXX. When I contacted XXXX at XXXX on XX/XX/XXXX, I was advised that they are not a borrowing service and do not have my loans. However, this is the information on my XXXX  report. As per XXXX, the above mentioned loans original balance are as follows : {$2600.00} {$580.00} {$1700.00} XXXX  is reporting three ( 3 ) closed accounts will adverse payment history from XXXX. The dates are from XX/XX/XXXX to XX/XX/XXXX. 
{$2600.00} {$580.00} {$1700.00} Can you please help me resolve this issue? I am overwhelmed trying to understand where my accounts are and if they are accurate. Over the years, they have been transferred, and the lenders are not helping me clear it up. Also, the delinquent marks are adversely affecting my credit.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days I have not received a response. I feel like they are taking advantage of me and are ignoring my disputes. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days 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 this has caused me. My information was also impacted by Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Problem with fees

I called Citi and explained 2 days before the due date of the payment that it will transfer late.  The rep said it wasn't a problem but because the fee isn't in the system,  I need to call afterwards to get it removed.  When I got my next statement,  I called to get the fee removed but this time the rep said she would not remove the fee. Since I had no balance on the card except the fee, I told her I will not pay the fee and to close my account.  Next month they continued to put a fee on top of the fee.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting incorrect negative information on my credit file.I recently received a copy of my credit file and noticed that Equifax is reporting A BANKRUPTCY AS PUBLIC INFORMATION ON MY CREDIT. On XX/XX/2018 i sent Equifax, XXXX and XXXX a letter requesting that they investigate or delete disputed items from from my credit report as well as temporarily remove these items from my report during the investigation period. XXXX removed the negative information from my credit file because it was not able to be verified. As of this date Equifax have failed to respond to my request The law stipulates that Equifax must investigate within 30 days of receiving my letter and respond within 5 days of completing their investigation, AND Equifax has not followed the stipulations of the law. Equifax have not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) required under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( 1 ) ( 1 ) ( A ). Furthermore, tthey have failed to provide the method of verification required under section 611 ( a ) ( 1 ) ( A ). Please be advised that under section 611 ( 5 ) ( A ) of the FCRA - you are required to " promptly DELETE all information which can not be verified. I may suffer damages because i need to rely on an accurate and complete state of my credit record and demand that you remove the disputed items from my report immediately as they have failed to comply with the law. Otherwise, i will contact the federal trade commission and advise them of their apparent disregard for consumer protection laws.