Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information incorrect

Issues Incorrect Age of Credit reported on credit reports Late Payments remain on my Credit report that were suppose to be removed in Dismissal/Settlement of my educational loans due to TPD ( have the credit bureaus check their facts which they have incorrect. 
Hard Inquiries should have minimal effect due to performing within 30-40 day period should only count as one inquiry. 
Incorrect Credit Limit Total that I hold : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ================= Total {$9000.00}, and {$9500.00} if you contact XXXX I hold an additional credit line of {$500.00} through them. All accounts are in great standing and I have never been late with any accounts within the previous 2 years. Though the Credit bur are reporting still monthly late payments. That is clearly incorrect. 
The XXXX creditor that states Written Off, was not as it was Paid in Full, and I provided the credit bureaus with the Paid in Full letter and they refused to change the incorrect data in the above issues, also proof from the bank where the payments came from were provided. 

Upon the settling and clearing of my Federal & Student Loans ( though an issue still remains on my Credit Reports in regards to student loans ) All interest, Late payments, etc WAS APPROVED to be removed in both matters of the Federal loans and the Private Student loans. I here again provided information to the Credit Bur 's and they refuse to ammend and correct the issue ( s ) This is unacceptable, especially after we hear and see that a Credit Bureau knew of the US largest hack in XXXX and opted to not tell anyone until XXXX. That is awful, and that bureau should be removed of course. Almost 5months without reporting the incident ARE YOU SERIOUS? Someone there maybe the CEO should be arrested, as I seen about two officials recently quit. So you have that AND they can not seem to manage people 's credit report/score appropriately. I am XXXX myself, and very independent but I rely on the fact that as of the last year or so I have had GOOD credit, and these incorrections are making unfair, and cruel to not properly disclose my credit information properly let alone securely for XXXX sake. 

I can not afford XXXX XXXX, though I would if I could. I would like the complaints above investigated and actions taken appropriately to rectify the failures that occurred, and still occur to this day. 

Documents/attachments are available upon your request.
Complaint sub-issue: Received bad information about your loan

Per the US Department of Education article published XX/XX/22 lenders are to discharge ( without applying for Borrower to Defense ) all federal student loans borrowed to attend any campus owned or operated by XXXX XXXX XXXX ( Corinthian ). Corinthian also owned and operated XXXX XXXX, XXXX, CA, XXXX that I attended. The article further states that borrowers were to receive notification within the coming weeks and that no further action was needed on the part of the borrower. The loan servicer failed to send out notification to borrowers and/or address the article. It has been three months since the publication of the article by the Department of Education. I called the loan servicer as no notification was received via email, mail, or published on their website. The loan servicer directed me to contact the Borrower to Defense hotline of studentaid.gov. They did not have a response to the publication or policy established. I tried to notify them, but they stated that it needed to come from the Borrower to Defense department. I tried to call back during the week of XX/XX/22 to notify them again. The agency referenced the sweet vs cardona case. I explained that this was different and the publication from XX/XX/22 from the Department of Education. They again directed me to the Borrower to Defense hotline and stated that they could not assist me.
Complaint sub-issue: Reporting company used your report improperly

By the fair credit reporting act, XXXX XXXX Account has violated my right 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A section 2 also states a customer reporting agency can not furnish an account without my written consent 15 USC Code s1681 A definition of rules of construction exclusion except as provided in paragraph the term consumer report does not include any report containing information solely as to transaction or experiences between the consumer and the person making the report.
Complaint sub-issue: Reporting company used your report improperly

At some point this has to stop. Im a hard working individual thats working and trying to take card of my debt in order to buy a house. And under 15 USC 1681 I have right that gets over look by these companies over and over again and this is where it stops. 

Equifax, XXXX XXXX, and XXXX  are all govern by 15 USC 1681. And theyve repeatedly violated my rights numerous of times. I demand for these accounts to be remove listed below, because according to 15 USC 1681 section 602 ( A ) I have the right to privacy and I have not given again equifax, XXXX XXXX, or XXXX and written permission to furnish these accounts. 

I have also went over all of my credit report again with all 3 companies, and the information is still inaccurate I will not be going over it again. I will be seeking payment and have proof that the information with all 3 companies are completely different. 


XXXX XXXX : XXXX XXXX  XXXX : XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/17.. I did not authorize this inquiry
Complaint sub-issue: Information belongs to someone else

The following inquiry has been added to my credit report and I did not authorize it. I would like it deleted from my credit file. 

XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Complaint sub-issue: Reporting company used your report improperly

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Complaint sub-issue: Reporting company used your report improperly

I am sending in the Formal Complaint because there is an account that should not be posted on my Consumer Report. As per the Fair Credit Reporting Act 15 USC 1681a Under exclusions ( B ) anything that was extended or authorize from a credit card should be excluded from my credit report. 
It says : ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; According to the definition of credit card under 15 USC 1602 ( l ) Credit card- 15 USC 1602 ( l XXXX The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit..

Furthermore, as per 15 USC 1681 ( a ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I also had had a conversation with the companies and it was stated that they did not follow the protocols in the laws above and that they would not assist me based on the law but by company protocol. And if I had a problem based on the law I could not speak to legal department but would have to hire an attorney to do so. 

Please assist me in having the following item removed from my Consumer Report as the Law States that it should not be there to begin with. 


Account Number : XXXX Creditor Name : XXXX XXXX XXXX Industry Type : Other Collection Agencies Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Phone : Amount Delinquent : Account Balance : {$710.00} Payment Status : Collection/Chargeoff Creditor Preferred Contact : Other Consumer Statement : Placed for collection Thank you for your Assistance.
Complaint sub-issue: Information belongs to someone else

I requested that you look into the material that I previously contested. I'm becoming frustrated since the items are still showing up on my report. If the material is not promptly reinvestigated and removed, and you continue to break the law in violation of the Fair Credit Reporting Act. I reserve the right to sue your firm or any other company you represent.
Complaint sub-issue: Their investigation did not fix an error on your report

Those elaborate mechanisms congress mention in 15 U.S.C 1681 are causing me great stress by reporting inaccurate and unverifiable accounts { XXXX XXXX } on my reports. I have been sending disputes in for over a year. XXXX finally removed the accounts, XXXX and EQUIFAX failed to do the same. Im learning that I have been taking advantage of and I am seeking litigation.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX however, Equifax has not removed this from my credit report. I have contacted the bureau to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Complaint sub-issue: Debt resulted from identity theft

This debt is on my credit report and I would like to dispute this matter. The account is Jefferson Capital SY - XXXX XXXX for the amount {$2600.00}. Please help me fix this. My email is XXXXXXXXXXXX. Phone number XXXX. Thank you. 

XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax was contacted 3 separate times and I have recorded the interactions by mail. They have failed to remove the items on my credit report as required by federal law for individuals that are victims of identity theft. Subsequently, Equifax is the only credit reporting agency that refuses to correct information as I demanded they do on 3 separate occasions. Equifax has knowingly and blatantly disregarded my dispute and subsequent attempt to correct information on my credit report as reported wrongfully due to my being a victim of identity theft. I will be uploading information and correspondence they failed to properly investigate and items they have failed to remove, indicating their blatant disregard for federal law. I am demanding that they take action and remove the negative derogatory information immediately.
Complaint sub-issue: Investigation took more than 30 days

Hello, on XXXX and XXXX these companies have reported that my paments were late. However based on further review I have pulled my bank statements and it shows that my payments to the mentioned companies have been made on time. The payments made to discover bank, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX were all made on time and debited from my account so there is no reason why these accounts should be reported as late. 




Thanks
Complaint sub-issue: Application denied

On XX/XX/ 2018 i went to Best Buy with the intention to buy a new computer and apply for the credit card that best buy offer throgh City bank. Best buy offer this credit card for people with good credit and cero anual fee. I applied because i have excellent credit fico at over 800 and history over 15 year without missing a single payment. So my credit is good, that is what i thought! My application was denied and employee call the bank to find out. Because he got a code saying that he needs to call them. When he call the bank, the bank asked to speak with me. The bank told me that they can not approved my application for that specific card but they have a better offer for me with a better card with rewards but have a anual fee. I told them that i do not want a credit card with anual fee, but want that i have applied for. The bank said he can not offer that one but insisted to get the better one with anual fee. So the bank ask me if i declined to take the card with anual fee, and said yes. I left best buy without a credit card and with a hard inquired in my credit. They told me that i will received a letter in the mail why i was denied credit and disputed with credit bureau. I called XXXX and they told me that they dont approved or denied credit, they only sent my info to the bank and they made the decision. So i called the bank and ask for explanation but i was told they dont have that i formation and i need to contact the credit bureau. So at the end i could not get information why Citi bank denied me the credit card that i applied for but instead offer me as they said a better one with rewards but has a anual fee.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I submitted a Pay As You Earn Repayment plan for my loans on XXXX XXXX, XXXX and XXXX XXXX, XXXX. I submitted proof of income via regular mail shortly thereafter. The servicer in question, FedLoan Servicing, has not put me on this repayment plan even though they claim I am eligible. To have my application for XXXX considered, the servicer told me via phone last week, I must make a $ XXXX payment. I can not afford to do this! Since talking to the rep over the phone, the amount the servicer is requesting was increased to {$2200.00}, when my monthly income is only {$1600.00}. I am a full-time employee of the federal government and I have been trying to get on a reasonable payment plan so I can qualify for XXXX XXXX XXXX XXXX. 
Please note that I have other outstanding student loan debt with XXXX, XXXX, and XXXX.
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. Now, I would like to ask for your help to get rid of these items or have Equifax get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$640.00} XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXXXXXX Balance : {$890.00} XXXX XXXX Balance : {$2300.00} XXXX XXXXXXXX Balance : {$11000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

THE FOLLOWING INQUIRIES WERE DONE WITHOUT MY KNOWLEDGE. I REACHED OUT TO THE COMPANIES AND THEY ARE REFUSING TO HELP. 

XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX CO XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX 2020
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXXXXXX XXXX Balance {$660.00} ; U S DEPT OF EDXXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$2300.00} ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX Inquiry from XXXX XXXX, 2018 + Bank not mine XXXX not XXXX XXXX never late chase inqires not mine equifax and XXXX have ruin my credit i 've made every payment XXXX XXXX  reporting wrong amount with only owe them XXXX
Complaint sub-issue: Problem with balance transfer

I have been a Discover Cardmember since XXXX. I used a convenience check in XX/XX/XXXX in the amount of {$20000.00} at 4.99 % APR for 18 months. 

I had a prior balance transfer from XXXX that was expiring in XX/XX/XXXX in the amount of {$4500.00}. 

I made an additional payment ( above the minimum payment ) in XX/XX/XXXX of {$4500.00} to bring that balance current and instead of closing out that balance, they applied it toward my recently transferred balance, thus placing my expiring balance transfer at an interest rate of 21.99 %. 

In normal circumstance, the practice of applying payments to the lowest APR balance first seems usurious. In this time of COVID, it is downright criminal.
Complaint sub-issue: Debt was result of identity theft

My car was broke into and my purse stolen, my credit cards were used in several charges, all was fixed except this one. I was not aware of it until it hit collections and I tried to refinance my house. I sent them the police report, i thought it was removed but apparently they just keep selling it to other companies
Complaint sub-issue: Need information about your loan balance or loan terms

I have applied and began the process of Public Service Loan Forgiveness ( PSLF ). XXXX XXXX   is my payment servicing provider. I have made 18 payments according to my Income Driven Repayment ( IDR ) plan. However, XXXX 's records show that I only have 1 payment towards my 120 payments that are required for loan forgiveness. XXXX says that I was in some form of either forbearance or deferment and failed to count payments that I had been making since XX/XX/2016. Their reason for placing me in deferment was due to " we changed a deferment or forbearance that was previously applied to your loans because we received updated enrollment information. '' They placed me into deferment because I enrolled into University of XXXX XXXX XXXX night program. They did not gain my explicit permission to place me into deferment/forbearance. Their actions cost me numerous months off of my journey to loan forgiveness.
Complaint sub-issue: Debt was paid

I do not agree with XXXX when they reported a bill delinquent on my credit reports. In an effort to get them to remove it I wrote them a letter and sent them a check requesting them to remove it from my credit reports with XXXX, XXXX & XXXX. In the letter it also says if you cash this check the account is now paid in full and you agree with the terms of the letter and they have 15 days to remove the account from the three credit bureaus. They removed the account and then resubmitted to the credit bureaus. They need to correct this immediately. As of XX/XX/2017 they cashed the check that was sent to them.
Complaint sub-issue: Was not notified of investigation status or results

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 33 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
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 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish my 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: Their investigation did not fix an error on your report

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, almost over a year later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
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 an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

I have on several different occasion to include more that 60 days attempted to have the three items in collections removed from my XXXX and XXXX credit files. I have also contacted the companies that entered the collections. I have asked for original signatures on any loans. I have asked for original HIPPA forms with original signature on any medical collection. I have also submitted credit file disputes with the reporting agency. Please remove this unauthorized negative information ASAP.