Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem during payment process

In XX/XX/2020 I made my usual payment to US Bank with my first bank account, using auto pay, which went through. At the same time I also made an extra payment from my second bank account when went through. At that time I switched my auto pay to my second bank account. In XX/XX/2020, I made my normal payment through my first account since, I had changed the accounts during the billing period. When my payment changed to my second account, the credit company 's system added XXXX zeros to the front of my account which caused my back to reject the payment. I was charged a late fee which was reversed after the error was discovered. Because of this XXXX missed payment, the credit company reduced my credit limit from {$2000.00} to {$700.00}. This, as stated in their letter, was because of my " payment history ''. I have been with this company for several years and have never had a late payment. I always pay more than my minimum payment and make extra payments above my normal payments. The credit company verified that it was a mistake on their part but says I have to request a credit increase to possibly have my limit restored. I spoke with the underwriters who told me that because I don't carry a full balance on my card, pay above my minimum payments, and make extra payments that my payment history makes them feel " uncomfortable '' with my credit worthiness. So because of the credit limit reduction, which impacted my credit score, and my only option to regain my credit limit would require a hard inquiry on my credit, again impacting my credit score, and the refusal of the credit company to correct their error, I have been has penalized XXXX times for their error. Is there anything I can do to have this corrected?
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Thank you for your recent contact dated : XX/XX/2019. 

I wrote to you on XX/XX/2019, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
Complaint sub-issue: Account terms

Equifax is reporting an account from XXXX XXXX XXXX XXXX which is more than 8 years old since the last delinquincy.
Complaint sub-issue: Information belongs to someone else

According to XXXX, Equifax and XXXX my report publish information should be removed. Inquiries on my Equifax report by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX these inquiries were not authorized by me. A  collection from a phone company I never had. The collection account is reporting on all three credit reports : XXXX XXXX for XXXX I constantly dispute it will come off, then return back. Again these actions were not my doing.
Complaint sub-issue: Problem getting your free annual credit report

I have tried to order my credit report through Equifax 's XXXX XXXX and I have tried to use the free credit report website and I can not get my credit report. Months ago, I have contacted them and was told to fax in a lot of information with copies of my driver 's license and social security card. I was told to ask for them to review it. I was also told on another occasion that my credit report maybe split. I still have had no success getting my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I disputed hard inquiries on my report that were made fraudulently without my knowledge with the Credit Bureaus by phone and mail. I filed a fraud report with the FTC about the situation before calling and disputing these inquiries. I called and was assured that the inquiries will be removed and some were, however somehow one of the inquiries deleted manage to reappear out of thin air. 

I am displeased and frustrated with this matter because I followed the steps of disputing with these bureaus with proof and facts but to no avail. Not to mention that I am a victim of fraud. 

According to the FCRA, the reporting agencies have violated my rights after dispute under section : 15 U.S.C 1681 s-2 ( b ) ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. 

I have attached documentation of my FTC report and dispute letter. 

I feel that my rights under the congress act have been violated and I ask that this matter be looked into respectfully.
Complaint sub-issue: Account information incorrect

MRS BPO out of no where caused my credit to go way down. I have never even been contact by them, unless all the fake bill collectors that have harrased me such as XXXXXXXX XXXX XXXX The XXXX XXXX or XXXX, which have all threatned me in one way shape or form. Anyway I was under the impression by XXXX XXXX XXXX like about 6 years ago that they were investigating somethings and said they would be in touch. They said they would validate the bill, and they had all my info including my email, so when I never heard back I thought it was taken care of and then 6 years later bang, out of no where my credit gets attacked. 

I never heard back but today out of no where MRS BPO files something with the credit bureaus going against my credit. I had no idea of their involvement, the bill was never validated and now all my hard work on my credit has suffered. Is n't a company supposed to validate a bill and contact you before taking such measures? I believe my credit right have been violated, please do something about it and make the take that off my report. I have filed a dispute with experian and asked them to send it to the other credit agencies.
Complaint sub-issue: Public record information inaccurate

I am showing a bankruptcy on my credit report that is not mine.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX shows on my credit as a new account opened up in XX/XX/2022 Never had XXXX XXXX I have XXXX two different accounts I have XXXX XXXX and have been reporting fraud no one seems to respond to me Please remove this false information
Complaint sub-issue: Debt is not yours

Thank you for your recent contact dated : XX/XX/2019. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
Complaint sub-issue: Account information incorrect

I disputed unverified and unauthorized accounts on my report
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Idonotrecallgivingmyauthorizationforthiscreditpull, pleasehelp me removethis. I also know that the FCRA states that only purposes for pulling someones credit report is : firm offer of credit, insurance, court order or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove from reporting on my credit report. There are also unknown address listed on my report, please help me update it.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX XXXX from The Equifax dispute department ( ID # XXXX ) informed me that although Equifax listed that the XXXX account was currently under investigation on my credit report, it in in fact was not. I have pulled my credit file every single day since XX/XX/XXXX ( when I filed the dispute ) through the Equifax credit product that I pay for and each time the account showed that it is still under investigation. I also spoke with a representative from Equifax in late XXXX who informed me that that dispute would be completed by XX/XX/XXXX. According to my records the Company did not respond and this account should have come off my credit report today. Additionally, each time I checked, I was prevented from disputing this item again because it showed that it was still under investigation. This is a recurring issue that I continue to have with Equifax. They have not investigated my complaints and the investigation notice on my credit file for this account has prevented me from being able to dispute it again. Additionally, I sent them copies of the letters that XXXX sent to the CFBP indicating that they do not have any account information matching my information.
Complaint sub-issue: Information belongs to someone else

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Identity Theft report
Complaint sub-issue: Trouble with how payments are being handled

Nelnet intial loan balance changed from time of loan after paying on time for 5 years the loan a=mount is going up and not down. At onetime the loan was going down and then all of a sudden I check the balance it was XXXX more than the previous. I inquired about it to them and Department of Education and no one seems to know why. The initial loan I took out was less than XXXX. I have paid over XXXX and owe almost XXXX.
Complaint sub-issue: Problem getting my free annual report

When I applied online with Equifax , XXXX of the security questions was : Do you possess any of the following bank cards? ... and XXXX of the multiple choice options was a name that was XXXX. not a recognizable name of a bank card. None of the other options was a card in my possession, so I answered " none of the above. '' I suspect as a result, since I 'm sure I answered all the other questions correctly, Equifax rejected my online application and required a mail-in form. This is very inconvenient and time consuming. I think they should not use XXXX names, and they should give the reason why I failed the security test.
Complaint sub-issue: Other problem

I have been citi credit card loyal customer since 2018. 
Recently, I opened a dispute against fraudulent charge made by a merchant who already has been reported to XXXX XXXX XXXX due to scam involved on online shopping. This merchant who has currently taken down their online website which used to be XXXX, and have been officially alerted by numerous people on XXXX XXXX XXXX has gotten my money and got away with such crime. And citi did nothing to protect me. I am appalled such a big bank like citi would stoop this low and strip off my confidence I had on their credit card fraud protection team. 
I have contacted citi dispute center and reported the issue and provided proofs in writing. Despite all my efforts and waiting patiently for almost 3 months, citi found it easy to close my dispute in the scammers favor instead. I am disappointed by the poorly trained and unhelpful customer service team at citi and I will be closing my citi credit card
Complaint sub-issue: Didn't receive enough information to verify debt

I have disputed with LJ Ross Associates about the inaccurate entry that is reflecting on my credit report ( see attached documentation ). In my initial review and finding of this reflected entry, I submitted a dispute to LJ Ross Associates. on XX/XX/2018 and XX/XX/2018 via certified mail. Within my dispute ( see attached ), I specifically requested that they provide an agreement with signature of alleged debtor wherin he/she agreed to pay the creditor, date this alleged debt became payable, original delinquency date, verification that the debt was assigned or sold to collector as well as a complete accounting of alleged debt. LJ Ross Associates did not oblige. LJ Ross Associates letter, ( see attached ), dated XX/XX/2018 does not provide any substantial evidence to support the veracity in their reporting.Since LJ Ross Associates is unable to provide supporting documentation for this inaccurate, unverifiable entry, it must be deleted from my file immediately.
Complaint sub-issue: Trouble with how payments are handled

Discover student loans services my private student loan from XXXX XXXX XXXX XXXX. I made a payment on XX/XX/XXXX and it cleared my bank on XX/XX/XXXX. But I continued to get late notices including XXXX phone calls and XXXX letters overall stating I could have the late notice reported to a credit history company. After a phone call and further e-mails the payment was finally applied on XX/XX/XXXX. To avoid further issues I applied over the phone for auto debit payments for this loan. I got a letter stating my auto debit application was being processed. XXXX weeks later I e-mailed Discover Student Loans to confirm the status of my auto debit payment but was told the did not have any of the information needed for the auto debit process ( banking account number ). This program offers a 0.25 % interest rate reduction which I will be missing out on for at least another XXXX months due to this delay.
Complaint sub-issue: Reporting company used your report improperly

Equifax was hacked and lost millions of personal data, mine included. The fact this company can have such critical information stored without being properly secured has put me at risk for identify theft. The offer of 1 year credit monitoring is inadequate because my identify may be stolen 5-20 years from now. The company should be offering lifetime credit freeze/monitoring to the people affected. 

Further, Equifax allows you to freeze your credit for 90 days but that can be unfrozen with a PIN which can be reset with the same information that was already stolen. 

Finally, the failure to notify customers in a timely matter that the company was hacked put me at risk without my knowledge.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have reached out to equifax concerning unauthorized inquires on my credit report. I also reached out to the creditors that has pulled my credit without my authorization and they were not able to give me any information nor did they have anything in there system regarding a credit application. All the inquiries listed below are unauthorized and need to be removed immediately! I take my credit seriously and I do not want to seek legal assistance but if this is not resolved I will be forced to seek legal representation. 

XX/XX/2020 XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,, XXXX XXXX, XX/XX/XXXXXXXX XX/XX/2020 XXXXXX/XX/XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX, XXXX,XX/XX/XXXX XXXX XX/XX/2020 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XX/XX/2020 XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XX/XX/2020 XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX,XX/XX/XXXXXXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXXXXXX XX/XX/2020 XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX, XXXX XXXX XXXX, XXXX,XX/XX/XXXXXXXX XX/XX/2020 XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXXXXXX XX/XX/2020XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXXXXXX XX/XX/2020 XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX XX/XX/2020 XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX XX/XX/2020XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXXXXXX
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX High Credit : {$2100.00} {$2100.00} Last Reported : XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Contacted me after I asked not to

Ally bank continues to call my cell phone, after numerous requests to stop, asking for someone that is not me or anyone in my household. In order to find out exactly who they are, because they only provide their first name, I find out they are from Ally bank. They call at XXXX at night and throughout the day. I 've asked several times for them to stop calling my number. I get, " we will put this in your record. '' How do I have a record at Ally bank? I do not bank with Ally bank. I have never banked with Ally bank. I do not have loans or debt that I am responsible for with Ally bank..
Complaint sub-issue: Other problem getting your report or credit score

When trying to access any credit score information regarding my credit account with  XXXX  I get an error message after answering the verification questions repeatedly I even tried to access my annual credit report online and on  XXXX  website to no avail however when uploading proof of my identity in the dispute section they verified me and mailed me a report however I still can not access my score I s ee   XXXX   accounts are positively reporting with them so I know I have a file but every time I try to acce ss my   XXXX   score on  XXXX  or on  XXXX  or   XXXX   XXXX   I get locked out I need to be able to access my free  XXXX   fico sco re I have similar problems with equifax however  XXXX  has no problem identifying me I was able to access my report online they all have my updated mailing addresses to my  XXXX   XXXX   since we have  reported that with the credit companies and an official change of address so I do n't understand what is locking me out
Complaint sub-issue: Was not notified of investigation status or results

XX/XX/XXXX I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to Equifax, XXXX, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/XXXX Today is XX/XX/XXXX and I still havent heard from these companies.
Complaint sub-issue: Received bad information about your loan

Should have qualified for the PSLF program XX/XX/2017 In lieu of working for the XXXX XXXX XXXX for over 10 years and making timely monthly payments all along. After my application for the loan forgiveness was denied I was told that because I'm married and filed my taxes jointly with my spouse then my repayment plan should have included her income too. This was never disseminated to me, never posted on the loan providers website, nor ever mailed to me throughout the years I've been paying my student loans. Four different providers have had ownership of my student loans over the years and never did any of them alert me of this. The prerequisites were to work for a public service employer and make 120 timely payments to qualify for this loan forgiveness.

After being denied the loan forgiveness I called the current loan service provider and asked that they provide something in writing verifying when I was notified of the type of repayment plan I should have selected to be granted this forgiveness. They never did. I submitted a complaint to my Congress man and never received a response from his office. Followed up with the loan service provider and asked them to provide to me in writing how many more payments would I have to make if I transitioned to a repayment plan that included my wife 's salary too to be eligible for the loan forgiveness. Over a year later they still haven't provided anything to me in regards to this inquiry. Spoke with supervisors and still no tangible information has been provided.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX Credit card account balance shows XXXX. I have never applied for the card nor am I aware of this card and I never banked with XXXX XXXX XXXX. 

I had recent credit check done by homeland secuirty and that is when I noticed this issue. I have tried many times to get this problem solved but nothing happens. This is not my credit card nor my charges and I need this removed off my credit report. I have provided more then enough proof and documentation for this but XXXX XXXX XXXX is not responding at all.
Complaint sub-issue: Their investigation did not fix an error on your report

I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represents a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair Credit Reporting Act, * XXXX XXXX XXXX ( # XXXX ) < '' last XXXX of account number included for each '' 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 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 ... ..HAS VIOLATED MY RIGHTS..

-15 U.S.C 1681 section 602A, states I have the right to privacy - 15 U.S.C 1681 section 604A section XXXX : Also states a consumer reporting agency CAN NOT furnish a account without my written instruction.
Complaint sub-issue: Attempted to collect wrong amount

Say I owe XXXX account closed XX/XX/19. Last payment date is XX/XX/19. Not accurate