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

Hello, Upon reviewing my credit report, I found discrepancies on my XXXX XXXX Account ending in XXXX, Opened XX/XX/XXXX, Credit Limit of {$350.00}. The report states that late payments were made in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The information is inaccurate. Payments were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. My bank reflect payments made to XXXX XXXX for the account in question. I have the banking statements to back up my claim. These late payments in question, should be reported deleted as they have been reported incorrectly. I have reached out to the company, XXXX XXXX, and all 3 credit bureaus, XXXX, XXXX and Equifax.The discrepancies were disputed several times over the last few months and the documentation was uploaded and mail into the Bureaus. It would seem that my compliant has fallen on death ears. This is why I have decided to reach out to you for assistance. Attached is the bank statements with payments to XXXX  XXXX. Sincerely, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX inaccurately reported an account as a charge off and provided a letter stating that it should be removed from my credit report. Equifax has yet to do so claiming XXXX XXXX XXXX XXXX is stating the charge off is accurate.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I called Equifax to file a dispute and was promised it will be filed but they ended up not filing the dispute instead they simply blocked me out from being able to call them and as of today 3 weeks later they still did n't initiate the dispute.
Complaint sub-issue: Debt is not yours

I have been disputing this debt for months. I have never received any documentation from them regarding this alleged debt. They are reporting false and inaccurate information on my credit reports.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} I did not give this company permission nor have ever done business with them and have documents filed with the police for fraud. 

XXXX XXXX XXXX XXXX XXXX I never gave XXXX consent to use my information and have never done business with XXXX. I have been under XXXX since XXXX. I have police documents filed for fraud. 

XXXX XXXX XXXX I never gave XXXX XXXX to use my information and have never done business with XXXX. I have been under XXXX since XXXX. I have police documents filed for fraud and XXXX consented and closed the account, but I would like this to be removed from my account.
Complaint sub-issue: Information belongs to someone else

Every hard inquiry on my credit report except XXXX XXXX on XX/XX/2021 need to be removed. They were posted without my permission! Its hindering my credit!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I have identity theft showing on my credit report again and i was told by equifax i had to report to you all about the fraudulent accounts on my file. As follows the are fraudulent accounts that should be removed from my file immediately. XXXX. ( XXXX XXXX amount XXXX ) opened XX/XX/2022 next account XXXX  amount XXXX next account ( XXXX XXXX XXXX ) next XXXX XXXX XXXX next ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) next ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX  XXXX )
Complaint sub-issue: Their investigation did not fix an error on your report

I reviewed my credit reports with XXXX, Equifax and XXXX and found that all of the inquiries on each of my credit reports were a result of identity theft. I have not applied for credit in several years and contacted each of the credit bureaus in order to have these inquiries removed. I have not heard back from any of the credit bureaus regarding these matters. I have also asked the credit bureaus to place a fraud alert on my credit reports to ensure that nobody is using my social security number without my consent. 

Furthermore, I have an auto loan that I co-signed from XXXX XXXX  which was reported as being late after the Coronavirus CARES Act passed which bars the reporting of late payments on my credit reports as I was unable to go to work because of the mandatory government and business shutdowns. As such, I have been working with XXXX XXXX  to apply for a forbearance on this Auto Loan for over a year. I am not sure why it was reported late at all considering these facts.
Complaint sub-issue: Problem getting your free annual credit report

For the past weeks I am unable to access my Equifax account, each time I try to sign in a message is asking me to call ( XXXX ) XXXX. Today and after 15 minutes of replying to questions by typing answers on my phone, I managed to " speak '' to a customer representative ( poor language skills ). Another 15 minutes of trying to reset or receive an email from them ( that never arrived ) so I asked to review the issue with their specialists and inform me when is ready. 
Another hour after I receive an email with a link to reset that password, action resulting in again a total failure giving me the same error as before - " Call the number ''! 

Please put some order into these businesses, they are the ones running our lives and the only thing they do is giving wrong information or NONE! 

thank you!
Complaint sub-issue: Problem with personal statement of dispute

For many years I have attempted to dispute this fraudulent account and I have been declined and deprived of it being taken off my credit I have no knowledge of this account I have never had any access to the account and I have asked for it to be removed off my credit I have lost all opportunities to gain credit lines and or incentives that comes along with a positive credit line I am struggling and experiencing severe financial hardship due to this being on my credit I am formally she can count and ask him dropped is be removed I am not the owner of the account I have no knowledge
Complaint sub-issue: Account information incorrect

After multiple attempts to have items removed from my credit report. I was turned away and treated unfairly concerning my disputes.
Complaint sub-issue: Keep getting calls about your loan

Sallie Mae is now harassing me with calls about my payments that Im clearly struggling with
Complaint sub-issue: Fees charged for closing account

I initiated an account opening with Popular XXXX for an Ultimate Savings on XX/XX/2019. Today, XX/XX/2019, an account closing was initiated by said company. I noticed what was done when checking my account online. I then called Popular XXXX to find out what was going on. According to a customer service representative spoken to on the phone, the account was closed due to suspicious activity. No further details or explanations could be given on the case because not enough information was available to the representative. The company failed to inform me of their actions and completely disregarded me as a customer. Also, Popular XXXX failed to contact me to report the suspicious activity. The company then charged a whopping 25 dollar closing fee. This company is clearly using shady business practices to open accounts for new customers, promising them high-interest rates, to then close them days later for their benefit, and charge heinous fees in the process. These actions are completely unfair and should really be taken into account when trying to provide good customer service. I did not commence the account closing and should not have to pay or be charged a fee for actions on behalf of the company. It is completely ludicrous and shows a level of high disregard for customers hard-earned money. I am now 25 dollars short for something I had nothing to do with, and the company is 25 dollars richer. What is the fairness in this? Just another financial institution making false promises to fatten up their wallets. I am completely appalled by their actions and others trying to open accounts should be very wary when trying to do business with Popular XXXX.
Complaint sub-issue: Account status incorrect

I wrote written requests along with VERBAL requests to this company to cancel this policy last year. It is now that they are reporting to the credit bureaus with a balance. Unacceptable and FRAUD. 

THere is a fraud alert placed on my account and by no means did I have a policy with them that accrued a balance. I will attach a picture of my email.
Complaint sub-issue: Trouble with how payments are handled

I am a XXXX and have been XXXX for 9 years. I currently have my student loans serviced by FedLoan Servicing under the PSLF program and have been paying my student loans since XX/XX/XXXX. FedLoan Servicing refuses to consider 2 payments eligible as qualifying payments because, according to them, " your payments were less than what you were required to pay. '' This has been an ongoing dispute since XXXX XXXX, one month after my loans were initially transferred to FedLoan Servicing. According to the due dates on both billing statements ( {$150.00} due by XXXX/XXXX/XXXX and {$330.00} due by XXXX/XXXX/XXXX ) each payment was, in fact, paid on time and for the amount due. Although I have provided FedLoan Servicing with the billing statements, they continue to tell me that they will not consider the 2 payments as " qualified payments '' towards the PSLF program because the payment amounts received were less than the amounts due. However, according to the billing statements I have attached and provided to you, both payments were received in full prior to the due dates. Even having offered to provide them with the billing statements I was given, they will still not consider both payments eligible towards the PSLF program.
Complaint sub-issue: Reporting company used your report improperly

I went to.apply for a card and it ran multiple times XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax allowed my SSN and other information to be stolen. I would like compensation so that I can freeze my files at all three credit bureaus.
Complaint sub-issue: Other problem getting your report or credit score

I have made several attempts to view my Equifax report. I keep getting denied and no explanation why. I requested a copy for my yearly free credit report, and again today based on some recent credit denials. I was denied a second time today with no explanation or clear way explained to request them.
Complaint sub-issue: Debt was paid

CitI bank collecting for home depot. payment is due XXXX of each month. Payment is made XXXX of each month with XXXX XXXX online banking. Somehow a processing glitch occurs and account is charged a late fee of {$31.00} although payment is debited before the XXXX of the month. I have not charged anything since XX/XX/2021. Yet each month a bill is received for a late charge. Current statement shows a credit of {$28.00}. I have successfully had 2 late payments taken off and have changed the due date. Yet current statement still shows 2 late charged of {$63.00}. Spoke with a supervisor at Cit I bank last nite and he is trying to say I have a {$25.00} balance from XXXX yet it's not reflected on most current statement only late charges. I'm a senior on a fixed income who always pays on time. I'm very very frustrated with this mess. I spoke with XXXX XXXX on line customer service today XX/XX/XXXX seeking assistance but the only thing they can do is mail all monthly statements. Please help me this is affecting my credit score and my XXXX XXXX. I don't know what else to do. How can they charge a late fee on top of a late fee without a purchase balance?
Complaint sub-issue: Was not notified of investigation status or results

The company has failed to verify the information on the credit bureauXXXX XXXX XXXX XXXX XXXX The Bankruptcy Court has no jurisdiction over credit consumer reporting agencies and the court does not notify reporting agencies when a bankruptcy case is filed, nor can the court request that a specific record be changed. Information on your credit report has generally been reported by your creditors and is gathered from public sources by the reporting agencies. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will re-check these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Complaint sub-issue: Account status incorrect

Upon taking a closer look at Consumer Reports I've realized that there are inaccuracies reporting that's damaging my credit worthiness and hindering my ability to be able to adequately provide for my family. FED LOAN SER account has been consolidated and been paid in full of a XXXX balance. However, it's also reporting that I have a 90-day late payment on multiple accounts with them which is inaccurate. I got the Loan in 2009 and has never made a late payment. My loans were also in forbearance the time frame that those inaccurate derogatory missed payment were furnished. I reached out to in reference to the matter and they mailed me a correspondence stating account was paid in full they have not record of payment history because the account was closed and paid off. I uploaded documents if you could please do what's fair and equitable to me as a consumer and reinvestigate, remove and or update the accounts in questions.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly a Foreclosure on the XXXX   account number XXXX. ( Please see page attached from my credit report. ) This account was not in a foreclosure and should not be reporting as such. I have attached a copy of the Payoff Statement from XXXX XXXX dated XXXX along with the Settlement Agreement dated XXXX. I was told by XXXX XXXX that the language reporting on my credit report was in error and that they have requested this language to be removed. The account status needs to report accurately that this account has in fact been paid in full. This incorrect coding and reporting of a Foreclosure is seriously harming my credit score and this line item needs to be removed and/or changed to report a {$0.00} balance and paid in full. I have contacted the ( 2 ) bureaus to change this language however, I have not been successful.
Complaint sub-issue: Threatened to sue you for very old debt

On XX/XX/XXXX I received a voice mail from XXXX XXXX ( phone number " unknown '' ) who indicated she was contacting me in reference to a complaint that was forward to her office ( no name of the company ) under file # XXXX  to discuss a pending action being filed against me and if I didn't call XXXX proceedings will begin without my consent. I called the number and requested the name of the company but was told by the person on the line that she answers for several companies and to provide the number and she would let me know. I gave her the number and then there was silence and XXXX came on the phone and said she was from XXXX   or Cohen & Associates. I asked why did they call me and she stated they didn't call me that I called them - I said yes, because I was left a message to call and she played word games by saying I called as she originally stated. I said this is a scam and I'm going to report her to the FTC and she said " we will see you in court '' and hung up. Prior to this call, I received a call on XX/XX/XXXX several times from XXXX and a voicemail was left indicating that I have not responded to issues in the previous six months and it is considered as an intentional fraud and a lawsuit is being filed under my name by the United States Government. I don't owe any debt and I'm not familiar with any issues nor received any letters by US and/or Certified mail. I don't know if the two are related but its odd that out of the blue I've received these calls. I know my personal information was part of two separate breaches with big companies that were very public. I believe this has caused collection agencies to contact me in an attempt to collect on debts that have been discharged in bankruptcy which is in violation of the Fair Debt Collection Practices Act and Bankruptcy Protection Law. Additionally, the unwanted calls and pre-recorded voice messages to my cell phone could be in violation of the Telephone Consumer Protection Act.
Complaint sub-issue: Reporting company used your report improperly

I am looking at my credit report and I have an exorbitant amount of soft inquiries by Equifax. Per 15 U.S. Code 1681b - Permissible purposes of consumer reports- Each of those Inquiries are against the law and subject to a {$1000.00} fine for each, paid directly to me. I am including a copy of each Inquiry below. I am submitting this through the CFPB to document and record this complaint. I am a law abiding citizen and it seems that Equifax can just do as they please while breaking the law constantly and negatively affecting the person 's credit/life. I am here to assert my rights fully and to collect the {$1000.00} fine per each soft inquiry on my report. If Equifax Willfully and Knowingly decides to further deceive me or the CFPB from this point on, then that is subject to more penalties and fines. I intend to take this as far as I need to to hold Equifax accountable for breaking the law and bullying me and causing irreparable harm to my reputation. I also intend for those inquiries to be removed from my report. 

Soft Inquiries Inquiries that do not impact your credit scores. These are inquiries, for example, from companies making promotional offers of credit, periodic account reviews by an existing creditor or your own requests to check your credit file. They may remain on your file for up to XXXX  years. 

DATE COMPANY DESCRIPTION REQUEST ORIGINATOR XX/XX/2022 EQUIFAX XXXX XXXX CONS XXXX XX/XX/2022 EQUIFAX UPDATE Automated Consumer Interview System XX/XX/2022 EQUIFAX Automated Consumer Interview System XX/XX/2022 EQUIFAX XXXX XXXX CONS XXXX XX/XX/2022 EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/2022 EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/2022 EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/2022 EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/2022 EQUIFAX Automated Consumer Interview System XX/XX/2022 XXXX Automated Consumer Interview System XX/XX/2022 EQUIFAX Automated Consumer Interview System XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXXXXXX XXXX CARD PREQCARD XX/XX/2022 XXXX  XXXX Soft Inquiry XX/XX/2022 EQUIFAX XXXX XXXX XXXX XXXX XX/XX/2022 EQUIFAX Automated Consumer Interview System XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 EQUIFAX INFORMATION XXXX Automated Consumer Interview System XX/XX/2022 EQUIFAX INFORMATION XXXX Automated Consumer Interview System XX/XX/2022 EQUIFAX INFORMATION XXXX Automated Consumer Interview System
Complaint sub-issue: Account status incorrect

NELNET LOAN SERVICES INC XXXX {$12000.00} {$0.00} NELNET LOAN SERVICES INC XXXX {$8000.00} {$0.00} NELNET LOAN SERVICES INC XXXX {$15000.00} {$0.00} NELNET LOAN SERVICES INC XXXX {$18000.00} {$0.00} Reporting Fraudulent Payment History for the following months XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX on my XXXX, XXXX and XXXX Credit report
Complaint sub-issue: Debt is not yours

In XXXX my partner XXXX  from XXXX. He deeded the house over to me. I started with XXXX and then XXXX XXXX and then XXXX. I was sold to XXXX XXXX last year. I was paying mortgage under my partners name. In XXXX a Gang stole my back up fund of cash. I failed the mortgage payments. I was turned over to Loan Care. I am almost XXXX and XXXX with XXXX  problems. Loan care just informed me I have a second mortgage on my home for {$75000.00}. They informed me it was XXXX XXXX debt and I have to assume it. Was created in XXXX. I said no they had forgiven the debt. Representative said talk to XXXX They are not available due to insolvency. 

I have talked at great length with XXXX XXXX and Loan Care. They are rude and over ride my every word. Loan Care did a loss mitigation plan and it works out more than my old payment. They also charge {$10.00} dollars daily for late charges. XXXX XXXX is an awful company.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a U.S Bankruptcy Courts that is reporting on my credit report. I have reached out to XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Per the FCRA 623 ( a ) ( 5 ) " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer file. XXXX has yet to provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of  release bearing my signature. Also when asking how they are getting the information. I receive a response that they are getting the information from Lexis Nexis. When I contacted Lexis Nexis they stated that they got the information from XXXX. I am getting furious with going back and forth between XXXX   and Lexis Nexis. This inaccurate information is hindering me from getting a home loan. 

Under the FCRA, section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and or judgement all accounts ad public records hat you post o anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
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 Account listed on the pdf attach, 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