Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Used obscene, profane, or other abusive language

I called this creditor of Grant & Weber 9 times since XXXX of this year. I was directed solely to XXXX XXXX XXXX voicemail. One of these times I reached his temporary relief whom resolved 2 of my accounts but stated I'd need to call and reach XXXX XXXX to have them removed from my credit report and to set up a payment arrangement for the remainder of my accounts. Multiple calls and almost a month later, XXXX finally called me back this morning XXXX ( I've since had another account default to my report in the interim ) after I'd just returned home from the hospital and was resting. I informed him of what I wanted to accomplish, he informed me that I had a lot of accounts and a lot of outstanding debt. Under {$700.00} is not enough to make me feel that bad about it. I told him first we needed to settle the deletion of the accounts on my credit report. He told me how that works, I told him I'm not brand new and he raised his voice telling me he doesn't care. A few more words ended the conversation. He avoided my call for months and now calls with rudeness. I just want my debt resolved and they are supposed to want my money.
Complaint sub-issue: Old information reappears or never goes away

I am absolutely in disbelief that there are so many credit rating agencies, these agencies have different scores and different information constantly. Now I have come across an agency called XXXX XXXX. They report that my credit score is XXXX, what a joke. While all three major agencies are within XXXX to XXXX points of each other and my score is XXXX with XXXX yet XXXX with XXXX, these morons have the nerve to rate my score XXXX. Why hasnt the government mandated and control these 3rd party and even the major credit bureaus with a set of guidelines that can not be taken into their own hands and each bureau allowed to use a different rating system, these agencies control our lives as Americans and need to fall under one set of rules and use only one accepted way to rate our credit. TOO MUCH depends upon their rating such as employment, interest rates, getting credit for a small business. Now I have to dispute a bunch of inaccurate information with this agency XXXX XXXX that NO ONE have ever heard of. Why would XXXX use such a no name credit bureau, but your agency needs to overhaul this industry and make this agencies homogeneous within the way they choose to rate our credit.
Complaint sub-issue: Cashing a check

CITIBANK SOLD THIS ORIGINAL CHECK AS A SECURITIES INSTRUMENT AND MADE PROFITS, IM TRACKING IT DOWN RIGHT NOW, AND THEY CLAIM I OWE THEM? YOU GOT TA BE OUT OF YOUR XXXX XXXX  MIND, I HAVE THE RIGHT TO KNOW WHAT ALL THESE NUMBERS ARE AND WHERES THE ORIGINAL INSTRUMENT WITH MY WET INK SIGNATURE, BUT XXXX WANTS TO PLAY WORD SEMANTICS WITH ME AND USE DISTRACTIONS, THERE IS NO VARIFIED CLAIM FROM A COMPLAINING PARTY, AND NO ''BILL '' WHICH WOULD DEFINE ''SOMETHING OWED '' MANY MANY TYPES AND COUNTS OF FRAUD GOING ON RIGHT HERE FOLKS AND I HOPE PEOPLE LEARN FROM THESE COMPLAINTS OF THESE XXXX XXXX XXXX XXXX. SO WHY IS THIS CHECK BEING TRACKED TO A FINANCIAL INSTITUTION IN XXXX? LOOK UP NUMBER XXXX, AND ITS NO COINCIDENCE BECAUSE I HAVE OTHER CHECKS THAT TRACE BACK TO XXXX ALSO AND IM INVESTIGATING THIS FRAUD, LOOK UP ALSO XXXX,, ANOTHER CHECK TRACED TO XXXX, HERES THE LINK http : XXXX
Complaint sub-issue: Investigation took more than 30 days

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained 36 times to XXXX. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX and Equifax more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now and can't get approved for nothing cause of the damages of character of my name
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2018 I sent via certified mail a dispute in regards to me being a victim of Id Theft and fraudulent accounts being reported to my credit profile. The credit reporting agencies did not resolve nor recognize my dispute eventhough I presented the proper documentation.
Complaint sub-issue: Account status incorrect

This is not a the same complaint, this is a new complaint with new information attached. 

The last complaint I filed for Identity theft because I did not recognize the accounts on my credit report. After talking with my previous loan servicer, I have new information. 

The attached letter shows my 8 student loans listed under two account numbers that were for IRS tax reporting purposes. Those are the same 8 loans that were rehabbed, they were just housed under those two account numbers and need to be removed from my credit file. 

This is considered double jeopardy. 

attached you will find my rehab letter and my student loan letter from XXXX XXXX XXXX  XXXX # XXXX & XXXX
Complaint sub-issue: Account information incorrect

Credit report ran by XXXX XXXX XXXX XXXX XXXX, 2017 by non-profit alliance for homeownership shows duplicate accounts from nelnet college loans accounts. Balance should be {$63000.00} with monthly payment of {$230.00} ; but is shown as $ XXXX.with monthly payments of XXXX, because the source code was entered in differently for source XXXX XXXX . I  attempted countless hours speaking with Nelnet to fix this problem. I spoke with 3 different supervisors and the floor manager and was given several different reasons why the duplicate accounts occured without ever taking accountability for the error in their data processes. I need Nelnet to take accountability for their mistake so it does n't happen to anyone else. Please assist in the correction needed. Thank you.
Complaint sub-issue: Company closed your account

On XX/XX/2022 I received an app notification from Discover bank that there was an issue with my account and to call them. We waited on hold for over 10 minutes with the number they provided and when we spoke to an associate they transferred us to the fraud department. We were hung up on. We did this two more times before getting the direct number. When we called the fraud department we waited over an hour to talk to a representative. The rep told us that our account had been closed due to a " business '' decision and no other information was provided. They would not tell us when our money would be released, or how we would get it, they repeated over and over again that they'd have a supervisor call us. We called back later that night and the wait was over an hour and 20 minutes. This agent ( XXXX XXXX told us that it would take 60-90 days and refused to answer any other questions. He also said a supervisor would call back, but that never happened. It's been over 48 hours.

They did tell me in the course of this conversation that they had canceled the wire transfer to my landlord ( the same one I make on or around the 1st of each month to the same person, at a local, XXXX XXXX  ).

We made no unexpected purchases, we did not deposit any money from bitcoin or other cryptocurrencies. We do not have a history of bounced checks. We had one transaction fail because my deposit was delayed by a day due to memorial day and it was able to go through the next day. 

All but {$200.00} of our money was in this account and they prevented us from paying for rent, our utilities, and basic necessities like gas and groceries. We had to get money from our family to be able to make ends meet, with no information on why they did this. If we did not have that financial support, we would be at risk for homelessness. It is inconceivable that Discover should be allowed to do this. 

I made a public XXXX and XXXX post and users are commenting that they experienced the same thing this weekend. Either Discover was compromised and this is their solution, or their fraud automation is broken. Whatever the reason, they have put immense burdens on their consumers who are already feeling the deep pains of inflation and gas hikes.
Complaint sub-issue: Other problem getting your report or credit score

I'm trying to get my credit report and its saying that my information does not match. I've tried entering old addresses and it's still not matching. Please help.
Complaint sub-issue: Problem getting your free annual credit report

none of the security questions to get my report were any of my accounts. through equifax, I always have this problem with this agency.
Complaint sub-issue: Cashing a check

On XX/XX/22 check # XXXX was made payable to XXXX XXXX XXXX, XXXX for XXXX for our monthly rent payment. This check was mailed on XX/XX/22 to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, WI XXXX from our office building drop in locked was mail box. I received an email from XXXX XXXX asking/stating they had not received payment. We looked in the business online bank account and saw that a check was cashed on XX/XX/22. Digging further, we pulled up an image of the cancelled check and saw that the check had a different payee ( XXXX XXXX ) with a New Jersey address. The date of the check, the dollar amount and signature were the same as the original check. We decided to contact our bank representative as this was clearly fraud. We contacted him on XX/XX/22 and he notified us to contact the fraud department. We immediately contacted them and they emailed an affidavit to complete. This was completed and returned to them via email on XX/XX/22 and then were given a case number. We also contacted our local police department and filed a victim statement of fraud. The detectives research found that the fraudulent check was deposited at a XXXX XXXXXXXX XXXX in XXXX, NJ. The detective shared his findings with PNC bank. We have been told by PNC bank that this is a counterfeit check, however PNC entered it as an altered check and this may be why it was held up. She admitted that the bank made the error. This was on XX/XX/22. That day we then filed a complaint with the OCC. A PNC bank representative called the office the next day and twice since then to only tell us that they are still investigating the issue. This has been ongoing since XX/XX/22, more than enough time to have investigating the issue as the police detective got a confirmation of check fraud within weeks. 6 months of receiving the same answer from the bank.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. They violated my rights numerous times. I demand the bankruptcy listed below be removed because, According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish this information listed below. 

XX/XX/2017. Reference # XXXX. US BANKRUPTCY COURT-TAMPA XXXX
Complaint sub-issue: Information belongs to someone else

FCRA violations : accounts not mine XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$950.00} Status Collection account. {$950.00} past due as of XX/XX/XXXX. 
XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$210.00} Status Collection account. {$210.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$870.00} Status Collection account. {$870.00} past due as of XX/XX/XXXX. 
XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$170.00} XXXX XXXX account. {$170.00} past due as of XX/XX/XXXX. 
XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$420.00} Status Collection account. {$420.00} past due as of XX/XX/XXXX. 
XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$590.00} Status Collection account. {$590.00} past due as of XX/XX/XXXX. 

FCRA violations : inquires not mine XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX  XXXX, LA XXXX Resident type XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, LA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX, TX XXXX XXXX type Rural route
Complaint sub-issue: Account status incorrect

I tried to have equifax remove the incorrect information on my credit report and ask them how the verified the information they have. They have yet to provide me any information and still are posting the incorrect information. 
The Credit bereaus never did a proper " investigation " according to the FCRA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 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 whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this Also, they have violated my rights even more. 

In accordance with the fair credit reporting, everything has to be 100 % accurate on my credit report. 

The Credit bereaus stated my account was properly investigation but how is that possible if the open is inaccurate, the date last active is inaccurate and the last reported is inaccurate. This is ground for removal. 

They also violated the law because according to 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. 


I did not give anyone written instructions
Complaint sub-issue: Was not notified of investigation status or results

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Received bad information about my loan

After my XXXX in XX/XX/XXXX, I decided to go into a XXXX position that I am still working in. I was aware of the Public Loan Forgiveness program and inquired about the requirements. My loans are direct and eligible. I consolidated my loans in XX/XX/XXXX. I asked about whether this would change my eligibility and was assured that if I still made payments, I would be on track for the student loan forgiveness program. In XX/XX/XXXX, I decided to submit my application to see where I stood. I received a response back in XX/XX/XXXX stating that none of payments qualified. I contacted the FedLoan Services at XXXX XX/XX/XXXX to ask about this. They said it was because I consolidated my loan. They listed the eligible payment plans and said that I could pay a 10 year level payment plan and then be eligible. I stated that if I did that my entire loan would be paid off, so there would be nothing to be forgiven. She said " probably. '' I knowingly took a XXXX position, making less than I could in the commercial sector so that I could work towards student loan payoff. Now, after over 8 years, I am being told that my payments are not eligible. Why have a " forgiveness '' plan if you are required to pay it in full. There is nothing to forgive. I do not recall back in XX/XX/XXXX when I did this seeing anything that said a consolidated loan would not qualify. This program is a sham. 
XXXX School : XXXX University, XXXX, MO
Complaint sub-issue: Account status incorrect

An illegal re aging of an account has been done on my credit report and this is a clear violation of the Fair Credit Reporting Act. On my credit report it is saying that the XXXX  XXXX XXXX account that is been reported is 1 year, 3 months and 14 days old and this is false. Re-aging of any account is illegal and once this done then this violates the Fair Credit Reporting Act and both the creditor and credit bureau can be sued because of this and because a re- aging of the account has been done then according to the Fair Credit Reporting Act, this account should be deleted from the credit report immediately. A failure to delete it then gives me the right to take legal action to get the matter fixed or get some form of financial compensation. 
Delete XXXX  XXXX XXXX from my account immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Complaint sub-issue: Information belongs to someone else

Equifax confirmation number XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX I had disputed the accounts above with Equifax and also included a police report, Equifax has not removed the accounts above.
Complaint sub-issue: Problem with personal statement of dispute

I am exercising my legal right under the Fair Credit Reporting Act, Section 609, requesting for XXXX and Equifax to verify their method of investigation regarding the following accounts listed on my credit report : XXXX XXXX # XXXX, XXXX XXXX # XXXX and XXXX XXXX XXXX  # XXXX. As to section 609, under the Fair Credit Reporting Act, I am entitled to see the source of the information, method of verification, which is the original application and documentation that contains and show my signature. I want the original application and documentation with my signature, sent to me by Equifax and XXXX showing proof that the XXXX XXXX accounts and XXXX XXXXXXXX XXXX account was applied for by me and show my signature on all original applications and documentation. If Equifax or XXXX is unable to send me the original application and documentation which contains my signature as proof the accounts are my accounts, and their method of verification of the XXXX XXXX and XXXX XXXXXXXX XXXX accounts listed on my credit report, the XXXX XXXX and XXXX XXXXXXXX XXXX  accounts should be immediately deleted and removed from my credit report within 30 days by Equifax and XXXX.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXXXXXX Account 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
Complaint sub-issue: Was not notified of investigation status or results

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 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 gotten into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

For the greater part of the last year I've disputed several accounts on my consumer file with both the alleged creditor and with XXXX  directly. The dates are as of said disputes are as follows : XX/XX/XXXX, XX/XX/XXXX ( no response ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX The accounts in question : US Department of Education/Nelnet XXXX  continues to either ignore my request and/or update the account incorrectly. Today, XX/XX/XXXX, I spoke with an XXXX  representative in regards to these accounts. The accounts are reporting CLOSED, as of XXXX. The rep advised the account also has late pays reporting as recent as XX/XX/XXXX. Myself and the rep agreed that there can not be new late payments on a CLOSED account with a {$0.00} balance. I requested the accounts be removed, the rep declined, stating she doesn't have the ability to do that and suggested I file a dispute. I requested to speak with a manager, because I'm not confident XXXX  is doing their due diligence in investigating this matter. The rep advised they only receive electronic requests and do not verify the information upon submission. I explained how this is problematic for me, since the recent late pays are impugning on my reputation and has a direct correlation to my credit worthiness. After holding for about five minutes, awaiting a supervisorthe rep disconnected the call. 

I demand the listed accounts be removed or I will have to seek litigation.
Complaint sub-issue: Account information incorrect

XXXX, Equifax and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report