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

Equifax and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Complaint sub-issue: Reporting company used your report improperly

Equifax was hacked and based on their own website check, my personal information may have been impacted by the hack. They did not agree to have my personal information released to hackers, so the information in my credit report was used improperly.
Complaint sub-issue: Debt is not yours

My mortgage company XXXX went chapter XXXX, sent my loan to XXXX XXXX Loan Care. 

They are charging me for escrow, I pay my own taxes and home owner insurance, I always have. I cant get them to correct the problem, its been three months, Loan transfer date was XX/XX/2019, I have sent {$3200.00} to straighten this out. 
They did not properly apply the money, also sent {$1000.00} towards principal, also not correctly applied. 
Please help the company is a nightmare. I have notified my lawyer and I refuse to send any more payments until they fix this easy but somehow impossible for them to fix problem. I have sent several emails to customer service and have not received one back form them.
Complaint sub-issue: Debt is not yours

I spoke with IC System on XX/XX/2020 with representative XXXX XXXX and he confirmed that I do not have a XXXX debt with my social security number in their system. This debt does not belong to me.
Complaint sub-issue: Information belongs to someone else

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

1 ) LendUp reported late payment even though a payment was made.

2 ) Lendup made promises of lowering my interest rate- yet doubled it upon a new loan. 

I have attempted to contact them, as they are reporting incorrect and negative marks on my credit report. I have been unsuccessful as there is no contact information on my credit report, their website is down, and I can not find a phone number. The one on my credit report is not in service.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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
Complaint sub-issue: Debt is not mine

I had a debt that was deleted in XXXX and then sold to a XXXX party collector and put back on my credit reports the debt was not mines and i have sent the company the debt that was deleted. Also the debt was put on my reports without the company letting me know that the debt was due it was deleted and put back on within a couple of weeks and i have proof i have been violated of this practice under the FCRA
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax falsely denies receiving my notice of intent to sue in regards to the attached complaint. 

Equifax is insistent upon wasting administrative and judicial resources instead of a simple admission of receipt. 

Attached is a Fax Delivery Confirmation indicating that Equifax is in receipt of said intent to sue which includes an intent to sue. 

Sending this via regulatory proxy so that Equifax will cause further injury to it 's claim if it falsely continues to insist that said Notice of Intent has been received.
Complaint sub-issue: Account information incorrect

I have filed my complaint in XX/XX/2021 I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX,XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX DEPT OF ED / XXXX # XXXX, DEPT OF ED / XXXX # XXXX, DEPT OF ED / XXXX # XXXX,XX/XX/XXXX # XXXX
Complaint sub-issue: Debt is not yours

I was not the main account holder with XXXX and all devices were returned This has been on my account for 5+ years and when I did try to speak with the debt company, I was given different amounts on 6 different occasions which was suspicious with me. When I called them  back a few months later, the website was up but the numbers were disconnected and I could never get a real person on the line. My credit has gone down because the company is re aging this debt and treating it like a brand new account.
Complaint sub-issue: Didn't receive terms that were advertised

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding the treatment I have received from Discover Bank. On XX/XX/XXXX, I opened a savings account with the bank and was promised a {$450.00} bonus reward for depositing {$35000.00} in the first month. However, despite fulfilling my end of the agreement, I have yet to receive the promised reward. 

I called Discover Bank on XX/XX/XXXX to inquire about the status of the bonus, and the representative told me that the offer of a {$450.00} bonus was included in my application and advised me to wait for the bonus to be issued. However, when I called Discover again on XX/XX/XXXX, their representatives denied the existence of the offer, despite acknowledging that the previous representative had left a note on my file indicating the offer 's existence. 

I have clear documentation in the form of screenshots of the savings account application website from the time of my application, which can be validated on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These screenshots clearly show that I was promised a {$450.00} bonus reward for fulfilling the required deposit within the designated timeframe. 

I am extremely disappointed in the way that Discover Bank has handled this situation. I have honored my end of the agreement and expected the bank to do the same. As such, I am requesting that the Consumer Financial Protection Bureau investigates this matter and ensures that I receive the {$450.00} bonus that was promised to me. 

Thank you for your attention to this matter. 

Sincerely, A disappointed customer of Discover bank
Complaint sub-issue: Can't close your account

I have an account with BB & T, which I tried closed a month ago, after this bank having fraudulently charging my account ( in addition to refusing to close this account in a timely matter ). I went to XXXX XXXX  Breach and asked to withdraw all funds and closed my account due to the aggressive overdraw fees they have been charging my account. While I was in the Branch the customer service representative explained that if leave my account in XXXX and they will automatically close it. Unknowingly, my check my deposited into BB & T, I was shocked because this account should have been closed weeks ago. After finding this unauthorized account, immediately called customer service to speak with a manager/supervisor ; the agent refused to transfer my call. After speaking with her for a while, she promised to change my maximum withdrawing allowance so I can withdraw all my funds so she could close my account. After trying several times to withdraw my money I was not able to. I called again the same day and a different agent answered and I told me there was a hold in my account. Similarly, this agent advised me to go to different ATMs and get a specific amount and to swiped my card until my balance was XXXX. Before my balance was XXXX, I saw an overdraw fee of {$72.00}. Two days later my card was accidentally charged for a utility bill and another overdraw fee was charge ( XXXX ) ; again, I was surprised since I requested my account to be closed three times. Since that day, BB & T has taking upon themselves to charge me fees, at least every two days. Now I have a negative balance of {$380.00} on my  account. 
As a consumer of BB & T, I have experienced worse service in the bank industry. This bank has taken away all the trust I have on any banks. They not doing anything illegal but it is not ethical. I feel that they are exploiting their clients ' trust and misused their funds. The main reason I am looking for help is, that this bank has lied to me in the past and will not give my money. Also, this bank has shown a history of abusing its access to its members ' accounts ; as they lost a lawsuit this year for these same reasons. 

Name : XXXX XXXX XXXX Email : XXXX XXXX : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA, XXXX.
Complaint sub-issue: Information belongs to someone else

I recently checked my credit report and noticed there were XXXXXXXX loans on my report that I did not authorize. I have never applied for a XXXX loan before, and I have a total of {$33000.00} in loans from a company by the name of Fedloan Servicing. I reached out to XXXX, XXXX, and XXXX via phone and certified letter on XX/XX/21 and XX/XX/21 to dispute this inaccurate information. I also reached out to the Fedloan Servicing on XX/XX/21 and XX/XX/21 asking them to provide me with some form of debt validation. Today is XX/XX/21 and I have still heard no response from this company. All XXXX of the bureaus claim to have verified that I took out these loans, but this can not be true. I specifically asked each of the XXXX bureaus to provide me with debt validation from the alleged creditor, and each company completely ignored my request and sent me a generic-like response to my dispute. It has been well over 30 days since Ive exercised my consumer right to ask for debt validation from this loan company, and the fact that they havent responded is unacceptable. Ive already called all XXXX  bureaus with this information, and they are still refusing to remove this information from my credit.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/2021, LexisNexis. LexisNexis is braking the Fair Credit Reporting Act law. 15 U.S code 1681- ( a ) Accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681b - Permissible purposes of consumer reports. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have attached a letter that LexisNexis mailed me stating that they purchased bankruptcy information from XXXX. LexisNexis did not get my XXXX XXXX to furnish a bankruptcy on my consumer report. LexisNexis DELETE this bankruptcy from your data immediately. LexisNexis reports this bankruptcy to XXXX, XXXX and XXXX as well. This company is braking the law!!!!!!!!!! I have attached documents of proof. I have attached my ID, XXXX XXXX card, and most recent Utility bill for proof of address.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a human living being. I have rights under 15 USC 1681 Equifax is govern by USC 1681. And they violated my rights numerous of times. I demand the account listed be remove because.

According to USC 1681 : I have the right to privacy and i di not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX .... Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXX Balance : {$33.00} ; XXXX XXXX XXXX XXXX Balance : {$320.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I have notified Equifax that this account has been opened in my name but I did not open this account. This account is being reported is FRAUD. Please delete this account and block this from my credit for XXXX. 
Thank you
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I attempted to dispute two items on my report that are showing as collections. The number of questions required to answer is significant, but I can appreciate the length they go through to protect the PII of the consumer. However, the answers to the questions that I had given were accurate and I was denied the ability to dispute online. Same process over the phone, correctly answered the questions asked and was denied access. 

The creditor finally reported the account as closed but Equifax still shows it as a collection. In addition, they have a reported collection with NO information about the creditor. I've tried to dispute this and have run into brick walls in an effort to get it resolved, in this case I'm just trying to assess who is the original creditor so I can satisfy the debt. Also, Equifax reports medical debt from a collection agency that has been sanctioned by the CFPB and FTC for their practices in collections and reporting. Most of that debt has been in dispute with the hospital and my insurance but the collection agency disagrees. My suspicion is that Equifax has allowed creditors to " re-age '' old debts in order to allow it to stay on my report, which is a violation of the law. 

Each of the three bureaus also offshore all their call centers to XXXX which is a joke considering that they are supposed to protect PII of the consumers and this is a very un-secure way to engage with consumers.
Complaint sub-issue: Public record information inaccurate

There is a paid judgment of my credit report in the amount of {$1200.00} da ted  X/14 . I ha ve mailed copies to all  XXXX  credit bureaus ( Equifax,  XXXX  and  XXXX   ) s howing proof that I won this case back in    2014 I beli eve. They only show it being paid and have not removed from my report. It clearly states in the final judgement  " Counter Claim Offset '' so Im not su re why this is listed on my credit report and I would like this information to be removed because it is affecting my credit score although is paid.
Complaint sub-issue: Reporting company used your report improperly

I contacted All 3 credit reporting agencies via email, fax and online disputes regarding a dismissed and discharged bankruptcy on my report as well as XXXX XXXX and other agencies to remove the bankruptcies from my reports. As of XX/XX/XXXX, 2017 with the new law that came out, bankruptcy should not be on my report because it does not include the information as allocated by law being my name, date of birth AMD social and according to my bankruptcy court they do not disclose public information to credit reporting companies..after several attempts, disputes and efforts. It still has not been removed and this is clearly a violation and inaccurate information.
Complaint sub-issue: Investigation took more than 30 days

My XXXX scire dropped significantly in late XXXX and the reason credit katana reports reported the change was due to a change in or use of another name on my credit file. The error was reported by XXXX and I obtain the information by reviewing credit karma free credit file. I disputed the name XXXX XXXX because I do not use XXXX XXXX on any accounts or credit. My name is XXXX XXXX XXXX- XXXX . 
I immediate feltt this could be fraud trying to open up accounts in an alternative name using my information. I also saw an address XXXX Ill where I never lived. I disputed both and ask that they be removed. 
Next the Dispute letter was to XXXX and I listed my XXXX XXXX XXXX, GA address. 
Apps 2-3 weeks later I got a letter written to me requesting my identification. No problem But the request was sent to XXXX XXXX XXXX XXXX XXXX Ga XXXX ( note this was a XXXX home purchase where I had closed in XXXX but had not moved into the home was vacant ) The letter set in the box and as I was moving I notice it later that month And responded to the documents they requested. I didnt have a deed to verify new address do u sent closing documents I sent my military ID because I dont have GA Drivers License and I sent copy of my Socisl security number and restated my complaint and question them why they didnt respond back to XXXX XXXX because ... .the mail could have set there for weeks because I had not changed address and not moved. 
After this letter and response.i gut a letter sent to XXXX XXXX XXXX Ga address early XXXX stating they cant verify my identify nothing about my dispute. 
It is now XXXX still dont have the wrong information removal and no resolution I feel I am getting the run around and my score remains lower affecting my ability to obtain additional credit the dental work because the XXXX score is lower
Complaint sub-issue: Account terms

I have been in dealings most recently with the Equifax Office of Executive Consumer Affairs, XXXX XXXX XXXX from XXXX XXXX - Today ( CURRENT AND ONGOING ). The extreme negligence being exhibited by her and her office as well as the Equifax Office of Consumer Affairs and their Fraud department violates so many laws of the FCRA. I have attached both a letter and a breakdown of all accounts that are currently wrongfully being reported on my credit file that I sent to them on XXXX XXXX, 2015. These wrongful acts range from either reinserting previously deleted information, their direct removal of accurately reporting accounts, and adding inaccurate personal information even though on a total of now ( 19 ) occasions they have been provided all necessary documentation to support my claims. XXXX XXXX XXXX is still actively working on my file and continues to wrongfully act on my behalf.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX DOB : XXXX RE : Recent Investigation XX/XX/2020 To Whom It May Concern : I am writing this letter because after your investigation there are still errors on my credit report specifically the following accounts : XXXX XXXX XXXX {$4000.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$790.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$5200.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX  XXXX {$30000.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX/XXXX XXXX {$4200.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX {$950.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX XXXX {$2800.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$1600.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$1600.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$910.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$1100.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$380.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$280.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX  XXXX  XXXX {$130.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX XXXX {$130.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX XXXX {$18000.00} Violating FCRA Section 611 Part ( A ) ( 1 ) XXXX  XXXX XXXX XXXX XXXX {$5300.00} Violating FCRA Section 611 Part ( A ) ( 1 ) To avoid litigation please remove the accounts from my credit reports immediately. You have 30 days. 


Thank you. 

Sincerely, Your XXXX XXXX CC : XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX To whom may concern I recently obtained a copy of my credit report, and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( NAME OF MEDICAL HERE ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows.

Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges + - Provide a copy of my signature with the provider of service to release my medical informatio to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA.

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

6 Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it is in violation of the Fair Credit Reporting Act. I will await your reply with the above requested pronf You have 30 days in which to respond to this request, or this debt will be considered invalid, and removal credit bureaus expected or damages will be sought after. 
XXXX All accounts I. Dispute below XXXX XXXX XXXX XXXX Also another violation they are not reporting full account numbers