Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, everything has to be 100 % on my credit report. The credit bureaus stated my account was properly investigated, but how is that possible when I contacted the court and their response is enclosed below. It is clear that they do not report to XXXX, XXXX, Equifax, or any other credit bureaus. Therefore, the response verifying that the item was either an error or a lie. Either way, the reporting requirements do not comply with FCRA S 611 ( 15 U.S.C.SEC1681. That's grounds for removal and the also violated my rights under the 15 U.S.C. 1681 SEC 602 states that I have the right to privacy. 15 U.S.C 1681 Section 604, states that consumer reporting agencies can not furnish your account without my written permission. So I did not give written permission to these accounts to be furnished on my credit report.
Complaint sub-issue: Charged too much interest

I purchased thousands of dollars on Sears Citibank MasterCard and immediately paid the card off. In XX/XX/XXXXof this year, when I received a bill for {$29.00} I called Sears Citibank, paid the contested amount and closed the account. They confirmed the account was closed and I owed nothing. 

In XX/XX/XXXXI began receiving 4-5 calls a day from a robot saying to call Sears Citibank Master Card or contact Sears online. I contacted Sears and was told ( via chat ) that I owed XXXX dollars in interest on the previous {$29.00} charges. After wasting much time explaining the account was closed and waiting for them to look up all of my records ( I do not have the number any more ), they apologized for the error and promised to stop the calls. 

The calls continued. I called the number given which was changed to XXXX and got more robot directions. After hitting " 0 '' over and over and over, I finally received a human voice. I explained I did not owe anything to Sears, that I had closed my account and paid {$29.00} that I did not even owe, so I was sure not going to pay them any more. 

I was put on hold, transferred to another person who kept insisting my account said I now owed XXXX  DOLLARS. 

I am XXXX XXXX XXXX. This is consumer fraud. They badger people, wasting their time answering robot calls over and over and over, and then threaten to continue those calls and even damage their immaculate credit score if they do not dish out money to stop it. I want this stopped immediately and I want them to be investigated.
Complaint sub-issue: Other problem

Reduction of a line of credit from XXXX to XXXX based on incorrect information from the credit bureau at the convenience of Brand Source of the Citi Bank that owns the card. It is unfair and I consider it fraud. Further alleges that the account is delinquent and that is the reason for the reduction
Complaint sub-issue: Their investigation did not fix an error on your report

I have written several letters asking equifax to provide information on how they verified that the collections and were accurate information that was listed on my credit report. They just keep sending letters stating verified and update my credit report.
Complaint sub-issue: Billing problem

In XX/XX/XXXX i sent a check for insurance repairs to Flagship Credit as I was unable to make the repairs due to Covid pandemic and I was unable to make my payments as i had lost hours and my husband had as well. I sent the check with the instructions to catch up my account and put the remaining balance towards my principle. When i called to verify they had received my request and my check, the agent informed me that they had received it but could not do as i asked as the check was expired. They stated to contact my insurance company to reissue the check and then they would proceed with my request. They granted me an extension. In XXXX they called stating i was behind. I explained the situation and that i was working to get a new check. I made a payment on XX/XX/XXXX for my XXXX payment. I XXXX XXXX XXXX on XX/XX/XXXX and was XXXX for 15 days. Once i was home and more aware, I contacted my insurance company and they advised that Flagship had cashed the check on XX/XX/XXXX. I contacted Flagship and advised them of the information. I began making my payments again on XX/XX/XXXX and have made a payment every month since. It took Flagship until XX/XX/XXXX to apply the check to my account. They had been reporting me as delinquent since XXXX. I spoke with an agent and advised of the situation. She stated they could not apply the check to my past due balance. I told her that i was told it would be taken care of when i sent in my new check but in actuality they had cashed my check and held on to my money without ever applying it to my account or informing me that they had cashed it. I have asked several times to speak to a manager. I have spoken to agents each month and advised that i am not delinquent as they had the money but refused to apply it to my account. I have been told that it would be sent up to a manager and fixed and it is still not fixed. They have reported me delinquent every month. On XX/XX/XXXX i received a letter stating they would repossess my car if the delinquent balance was not paid by XX/XX/XXXX. I have made my payment every month except XXXX when i XXXX XXXX XXXX. I am not paying the delinquent amount when they held a check for {$5000.00} for 4 months. I have tried to explain the situation. I have disputed with the credit bureau.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I applied for a business loan with a company called XXXX. They asked me for business banking statements, and then offered me a loan at 80 % interest APR. They said the reason was due to " my personal credit score being below XXXX. '' Our business is a separate legal entity ( LLC ). 

I never gave this organization the authorization to access my personal credit report. I was never asked, and never told that my personal credit would be accessed. 

They violated my trust and accessed my credit file without permission, and now have caused my credit score to go down further, having done a " hard pull '' of my credit report from Equifax and XXXX
Complaint sub-issue: Old information reappears or never goes away

Equifax refused to update my contact information. I have requested several times by phone, mail, and fax to update my contact information. 
XXXX XXXX does not have physical locations to personally ID people to transfer service from one home to another.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information, which put me and millions of other people at risk. 
I am listed as a potential victim according to their XXXX website, and would like a resolution.
Complaint sub-issue: Their investigation did not fix an error on your report

One XX/XX/2020 I received a notice in the mail that Equifax had received my Certified Mail. They received a Letter of Correction request to my Equifax credit report along with a copy of the Notice of Nonsuit dismissing the referenced matter. 

I checked on the status of my dispute online and it states the following : The disputed item is not currently reporting on the Equifax credit file. Public Record : Judgment XXXX I spoke with XXXX who is a representative from Equifax today on XX/XX/2020 to inquire about the meaning of the above response from Equifax regarding my dispute. She explained that the response means that Public Record : Judgment XXXX is not currently report on my Equifax credit file. I explained to XXXX that my dispute is regarding the account XXXX XXXX not Public Record : Judgment XXXX. It clearly shows on the documents that I sent Certified Mail to Equifax that the account I am disputing in XXXX XXXX. I also included the exact format that the account shows on my Equifax Credit file. XXXX was able to confirm the discrepancy and she was able to confirm that XXXX XXXX is currently on my Equifax credit file. She also confirmed that she was able to view that documents that I sent Certified Mail. 

I asked XXXX how can this issue be resolved and she stated that the only thing that could be done is to open a new dispute case to reinvestigate the dispute. My follow up question was does that reset the dispute case date to todays date of XX/XX/2020 and she stated that was correct. My dispute was accepted on XX/XX/2020. Which means they have about 13 more days to properly confirm and complete the dispute case. According to the information that XXXX provided me they now can reinvestigate the case which would technically reset the date, which gives them 30 additional days. Again, Equifax was already confirmed they have received my documents through Certified Mail. The status of their investigation is also not updated as Completed in the system. 

By law Equifax has 30 days to send me ALL of the information stated in the letter. If they don't get it to me within 30 days they have to remove it. In addition, If Equifax sends me anything that doesn't include EVERYTHING listed in the letter then they have not met the requirement. 

As a consumer I have rights and those rights can not be ignored because Equifax has demonstrated obvious blatant ignorance of my well-documented dispute.
Complaint sub-issue: Report improperly shared by CRC

I disputed information that was on my credit report that is not reporting accurately. XXXX stated that they obtained public records items from my local, state, and federal courts through a third party vendor, LexisNexis that verified that this item belonged to me. I called the courts which was the US Bankruptcy Court-XXXX and they informed that they do not verify or validate with the Credit Bureaus. I would like this information removed off my XXXX report of the improper sharing by the credit reporting company. XXXX could not provide me with copies of any documentation associated with this account with validation, bearing my signature as requested within the 30 days as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ).
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, and XXXX XXXX XXXX XXXX  account # XXXX has violated my rights.

15 U.S.C. 1681 Section 602 A States I have a right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 166 b States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Complaint sub-issue: Problem with customer service

This is both a complaint and a Freedom of Information Request to  Nelnet XXXX Inc. - a U.S. Department of Education Loan Servicer. I have previously filed a CFPB complaint on XX/XX/2020 XXXX XXXX, which is NOT published when I requested this complaint to be published ) stating that I do not have access to my account on-line with XXXXnelnet.com. Today, XX/XX/2020, Nelnet mailed me a letter stating that my issue for access is with my browser. This letter is a lie as I have previously provided video link proof that I am unable to " see '' any information and as of today, XX/XX/2020 I can not even log onto Nelnet - without receiving messages that I have to phone call Nelnet. In my CFPB complaint, my final comment was requesting that Nelnet provide me with a meeting, any two dates, any two times, and instead I receive a " browser '' letter as a response. I am requesting that Nelnet provide me with any two dates and times and location/address so that I, XXXX XXXX XXXX, can physically see my Nelnet records along with my husband, Mister XXXX XXXX XXXX and my son, Mister XXXX XXXX XXXX. If Nelnet refuses to give me a meeting then there can not be any account and I do not owe any money for any U.S. Department of Education Student Loan ( s ). 
Further, I reserve my rights to file in Federal Court against Nelnet for this constant abuse with not providing me with full account access and refusing to comply with a Freedom of Information Act request for a meeting and any other harm. Here is the video link proving that there is NO browser problem : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXXSN, and DOB both incorrect, Sent corrective information to " Equifax '' two ( 2 ) times Nothing happened ...
Complaint sub-issue: Attempted to collect wrong amount

I am a XXXX year old college student. I live at home with both parents and have two credit cards. When I was XXXX years old, a minor, someone stole my information and opened a XXXX account. I reported the identity fraud called the collection agency who referred me to XXXX. I spoke to XXXX who made me fill out a pamphlet claiming fraud. The account was removed. Now I have a new collection agency I C system Inc attempting to collect on a debt and claim date opened was XX/XX/2020. Please help me! XXXX is a predator who allows accounts to be opened in the name of minors and do nothing to protect victims!
Complaint sub-issue: Reporting company used your report improperly

This is my first complaint that I ever sent, but I can't express my fillings about how Credit Bureaus neglected my rights as a consumer and violated the law. I have sent to Credit Bureau agency disputing letter regarding accounts on my report that MUST BE REMOVED. 
My first letter was mailed on XX/XX/2022 and every other 35 days, All my mail was sent with certified receipts and return card. So I keep my records. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, - I'm providing these accounts number as they appeared on my credit report. 
15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate.

It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports.

For your convenience am including with this complaint : copy of my driver license, copy of my SSN card, copy of proof of address, FTC report, I have also submitted FRAUD Report.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

My Visa debit card was lost and some unauthorized transactions where made after the card was lost. I logged into the app and noticed these unauthorized transactions. I immediately contacted customer service. There was no customer support phone number. My only method of communication was the chat/message feature in the CashApp. I informed and requested disputes to be filed with CashApp for the unauthorized transactions two weeks ago ( more than 10 business days ). I also declared my card lost/stolen within the CashApp to cease further unauthorized transactions and request a new debit card be mailed to me. I have followed up several times since with the CashApp chat regarding my disputes. I continue to receive responses that are not addressing my concern. Purposely avoiding my requests and dodging providing answers or solutions with such tactics as multiple responses of asking me for my email address ect. 
There are regulations that protect consumers and obviously my card was stolen. Nobody at CashApp is helping me
Complaint sub-issue: Attempted to collect wrong amount

XXXX  XXXX XXXX Account No XXXXXXXX Nelson & Kennard File No XXXX-XXXX-XXXX Current Balance {$5400.00} I had XXXX  XXXX XXXX Credit Card and the debt collection company has sent the letter either payment plan or debt settlement. Instead of talking over the phone, I have sent out the letter requesting the statement copies and charges of fees or interests. 

While I was waiting for the response, I have received the letter from the law firm Nelson & Kennard XXXX XXXX XXXX XXXX, CA XXXX Tel : XXXX-XXXX-XXXX Fax : XXXX-XXXX-XXXX requesting I have 30 days to pay the balance or legal lawsuit will be filed for a judgment. It is asking to send the letter to dispute or respond which I have sent. 

I still do not have records of how the charges came about or the collection company looking into payment plan or reduction of the balance amount. 

I need consumer finance to involve to see this case so I can get the clear picture of the debt and the interest and other charges before I commit to the payment and the settlement.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted a request for account validation on different accounts from XXXX. I requested that they send to me the files they used to verify the accounts and the name of the person they verified with. They have ignored my request on 2 different occasions and continue to send me updates that the account has been verified without proof as required under the FCRA section of 1681 ( a ) ( 4 ), they is negligent noncompliance and a violation of Federal Law. Being that they are unable to verify and send information as to how it was verified it should have been deleted and they refuse to delete as well. I have been sending letters to them since XXXX XXXX, 2017 and it is well over the 30-45 days in which they are allowed to send over the validation or DELETE the item from my report.
Complaint sub-issue: Account status incorrect

This has been a recurrent issue with reporting several accounts that were paid by a loan consolidation as more than 120 days past due. Currently being reported to all the credit bureaus are twelve Nelnet accounts pay status " Account 120 days past due '' Accounts as follows : NELNET XXXX Dates opened XX/XX/XXXX appears twice {$380.00} and {$810.00}, XXXX- {$2400.00}, 9/18/2003- {$1300.00}, XX/XX/XXXX appears twice as {$1600.00} and {$980.00}, XX/XX/XXXX appears twice as {$1300.00} and {$1300.00}, also there is XX/XX/XXXX entry {$1700.00}, XX/XX/XXXX for {$1700.00}, and XX/XX/XXXX for {$1800.00}. The other account NELNET XXXX reporting {$3700.00} account more than 120 days past due.
Complaint sub-issue: Debt is not mine

I received a letter from a company called ATG Credit , LLC stating I owed money to XXXX in XXXX 2016. I called ATG on XXXX XXXX, 2016 and told them I know nothing about this charge and wanted to dispute it. The person said OK they would put a dispute request in and send me documentation from XXXX. In XXXX of 2016 my credit report was now being reported as a collection agency for something that I still had no idea what it was for and had nothing from ATG showing what is was for. On XXXX XXXX, 2016 I was sent a ledger as proof from AGT which was now over 60 days later of me entering a dispute. What ATG sent me still shows nothing of how this debt is mine. I called them back and told them this and they said they will reach out to XXXX for more info. This should not be reported to my credit if they ca n't supply proof within 30 days or send proof of how it belongs to me. 

The issue at hand is that it took 60 days for the debt collection to respond to my dispute which is longer then the 30 days per The Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ), which states if the creditor does not verify the listing within that 30 day time frame, then it is automatically deleted as mandated by the FCRA. As requested in my complaint I demand this collection be removed from my credit report since it is being reported incorrectly and the debt collector has failed to follow the rules of the FCRA.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I am writing to inform you I have been a victim of identity theft, and many accounts were established without my consent. This letter is to inform your company I am disputing this debts and have filed an identity theft report. Please be informed that reporting inaccurate information to the credit bureaus is a defamation of character. I am requesting that this letter be forwarded to your legal department since non-compliance with it may be in violation with the Federal Trade Commission and other federal agencies.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I submitted an ftc report about inquiries i did not authorize. ftc report attached. 
Also my name is misspelled and there are addresses listed that are not connected to me.