Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Not given enough info to verify debt

I have asked Escallate LLC to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Complaint sub-issue: Was not notified of investigation status or results

Ive spent 6+ letters to the bureaus to correct late payments, information on my credit report and to open disputes on inquiries and accounts and nothing on my credit report has updated or shown an open dispute
Complaint sub-issue: Reporting company used your report improperly

Inaccurate Information and Violations of Laws & 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 that a consumer reporting agency can not furnish an account without my written instructions.

15. U.S.C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Complaint sub-issue: Their investigation did not fix an error on your report

While XXXX my identity was stolen by ex family members. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX RE : Dispute Re : Account # XXXX SSN : XXXX XXXX XX/XX/2020 XXXX To Whom It May Concern : Thank you for taking the time to read this letter. I recently noticed that my credit report contains a late payments reported on for an account I assert was not open by me. After trying to resolve the matter I settled the balance in good faith to restore my credit rating and hope for I am fully aware I had financial obligations to you. Unfortunately, due to not securing my home and personal property, I made a mistake in falling behind. If not for this, I would have an excellent payment record. Im sending this letter because when I checked my most recent credit report, I noticed it contains a late payments. I dont want to dispute the accuracy of this report. The late payments was a one-time oversight on my part, and I have since brought my account to good standing. 

I want to request a one-time goodwill adjustment on my credit report. I am in the process of buying a home, and this will allow me to take advantage of the lowest interest rates available. 

Other than this one-time mistake, I have a history of making my payments to XXXX on time. I hope you will consider my request and remove this late payments from my credit report. 

Let me know if you need any additional information from me, and thank you for considering my request. 

XXXX XXXX
Complaint sub-issue: Account information incorrect

this XXXX CARD Account Number XXXX Account Type Credit Card was paid in full
Complaint sub-issue: Account information incorrect

I have attached two accounts that are reporting to my credit profiles incorrectly. None of the information is correct on any of the three bureaus. Per the FCRA the information comes from the same source and it should all coincide and it doesnt and would like to have both of these accounts deleted from all three of my credit bureaus.
Complaint sub-issue: Problem using a debit or ATM card

My fiancee and I saw a small house for rent on XXXX XXXX, we took a tour in person and then went through the application process. We were approved, signed a lease, and I sent {$1900.00} total to my new landlord via XXXX for : application fees ( {$100.00} sent XX/XX/XXXX ), security deposit ( {$800.00} sent XX/XX/XXXX ), and first month 's rent ( {$1000.00} sent XX/XX/XXXX ). On XX/XX/XXXX, I discovered through public property tax records that my " landlord '' didn't own the home for rent and I was scammed. At this time the debit transactions were still pending, I called my bank PNC and asked them to reverse the charges. I was told that wasn't possible but they would investigate my dispute, and I'd receive a request for documentation in the mail. I received both the request for documentation and notice of rejection on XX/XX/XXXX. I was never given the chance to provide evidence for my dispute. I called PNC again to appeal my dispute, nothing changed. I went to my local PNC branch who said they would contact corporate about my case, and nothing changed. I've had a similar experience with XXXX. I've called many times and never could speak to anyone with authority or who could review my case. I could only contact the correct department through email. I was able to send them documentation but they've rejected my original dispute and my appeal.
Complaint sub-issue: Problem with statement of dispute

Charge off Account with XXXX is not reporting correctly with Equifax, XXXX, XXXX
Complaint sub-issue: Attempted to collect wrong amount

Talked to a discover card representative stating that I would like to pay down my account to a level were I can use my credit she said thats a good idea you should when I payed Discover card down under my limit. 

They said they had closed my account and even though I continue to pay them the charges are way beyond the agreed payment amounts Before you know it you owe four times you borrowed They dont call or send you a reminder you just see the harm in your credit Discover card ignored the presidents Trumps decision to stop interest it charged me interest during codvi19 and reported it to credit bureaus false information I once asked why cant I see my fico score the lady said you wont see any until you pay off your credit card I dont know how many times over I will have to pay discover card
Complaint sub-issue: Reporting company used your report improperly

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX. 
XXXX, XXXX. 
XXXX, 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act Account XXXX 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: Problem with rewards from credit card

I closed my Citi Thank You Premier Credit card account XX/XX/2019. While closing my credit card account I was NOT told that the reward points would expire within 60 days of closing the card. As a consequence I lost over 50,000 ThankYou reward points. 

I called their customer service but they would not reinstate the points. I am quite certain that they did not inform me that the points would expire so I would like to get them back.
Complaint sub-issue: Their investigation did not fix an error on your report

My student loan account is reporting late for period I was in forbearance. I have contacted Equifax numerous times to get this issue resolved, finally I had to contact the State of Georgia Attorney General 's office. I got a letter back from Equifax stating my late payment history would be removed, date XX/XX/XXXX ( letter is attached ). I waited over a month to see the information updated on my credit report however it was not. I contacted Equifax in the XX/XX/XXXX and talked to a rep, named XXXX, said he saw the dispute and did not know why it wasn't updated but all he could be is open another investigation. I also informed me that Equifax does have my forbearance letter PROVING my account was in forbearance during the period its reporting late. I just received my results back from that investigation and again Equifax did not correct that error. They only update misc information. I have attached a copy of the results and highlighted that they did not correct the error. I have an letter from Equifax stating this would be updated and admitting it is incorrect information on my credit report. This is a direct violation of the FCRA since they are knowingly reporting incorrect. information after acknowledging that fact.
Complaint sub-issue: Problem making or receiving payments

Discover has stopped allowing XXXX use for customers that opened a checking account after XX/XX/2022. I have called to see why and when it will return and there is no timeframe. Reviewing XXXX, many other people are trying to get answers and Discover 's representatives have these response : " At this time, we do not have a time frame if or when XXXX will be restored with us. You are welcome to use XXXX with your other financial institutions. I will ensure to forward your feedback as you would like to see this feature added back. '' " It was a business decision to remove this feature at this time. We do not have an estimate for when XXXX will be restored. Please keep in mind we offer Online Bill Payment and Mobile Check Deposit to move money. '' This issue, and the lack of transparency as to why this issue is happening and when it will be resolved, has impacted the access to my funds.
Complaint sub-issue: Trouble with how payments are being handled

My student loan was discharged in bankruptcy nelnet is reporting to the credit bureaus that it was discharged in bankruptcy yet they send me bills and call me so I keep paying it but they are not reporting the payments to the credit bureaus. They update the trade line every month as bankrupt but do not report the payments. I have written and called nelnet and I get no response. Im worried about a negative report or that they will take some other action so I keep paying {$120.00} a month. This is extortion in my opinion and a violation of bankruptcy laws.

I filed a cfpb complaint previously about this I disbursed their response nothing was fixed and here we are 2 years later and they are still reporting wrong and extorting payments.
Complaint sub-issue: Information belongs to someone else

I have contacted Equifax by mail, fax, and phone and they refuse to honor this official document from the credit bureau since XXXX XXXX form the original bank stating the inquiries should be removed due to inaccurate reporting and now Equifax should be held liable for refusing to remove these 2 inquiries on my credit report after almost two years of disputes. This is ludicrous and the representatives within the company are not great for judgment.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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
Complaint sub-issue: Reporting company used your report improperly

This company negligently stored user data without encryption resulting in my personal information being accessible to anyone online. I am now at a much higher risk of having identity theft in the immediate future, and possibly for my entire life. 

While they did not personally release this information, and the information was obtained through an illegal hack of their website, they had gross negligence when handling my personal information.
Complaint sub-issue: Information belongs to someone else

I have a Bankruptcy report on my credit report. I've called XXXX and they said that LEXISNEXIS gave them the report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are incorrectly reporting me as an Authorized User on XXXX  XXXX partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Complaint sub-issue: Information belongs to someone else

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX XXXXXXXX Balance : {$1900.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I first submitted a dispute to Equifax, XXXX, XXXX and a collection company called XXXX XXXX XXXX regarding account # XXXX back on XXXX XXXX claiming that I was not responsible for this collection and that it was not mine. I asked all 4 parties mentioned to verify the collection. I received an itemized list of alleged charges from XXXX XXXX XXXX that in NO WAY meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I Also received various responses from XXXX and XXXX claiming they verified the erroneous reporting on my credit file. I then asked XXXX and XXXX to provide me with complete description of ALL methods used to investigate my dispute as I am entitled under FCRA 611 ( a ) ( 7 ). XXXX and XXXX NEVER provided me with original documentation as i am entitled under section 609 ( a ) 1 ( A ) and section 611 ( a ) 1 ( A ). Therefore as you know, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE ALL unverifiable information. 

XXXX XXXX XXXX just stopped communicating with me. 

Equifax despite 2 requests NEVER REPLIED ONCE!
Complaint sub-issue: Need information about my balance/terms

For over 7 years I have attempted to get detailed information regarding my loan, including but not limited to ; original loan amount, payments made, fees assessed, etc. It sounds ridiculous, I know, but no one has been able to give me the information requested. I 've spoken to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, I have been given the run-around every time I call. 

I 've been making regular payments of the minimum amount or more for years and my principal balance is not decreasing, so I am questioning this. The more I 'm ignored, the more I believe something illegal may be happening. 

Also, I 've still not received a statement showing the interest paid in 2015 for tax purposes. Each year I have to specifically request this, some years it arrives, some years it does not.
Complaint sub-issue: Public record information inaccurate

I am a victim of identity theft
Complaint sub-issue: Trouble using the card to spend money in a store or online

On XX/XX/2019 tried logging into my account to pay bills and it said my account was locked and contact number on back of the card XXXX I have been on phone on 2 different occasions for over 1 hour first call now over an hour and 22 minutes still no answer to have my card unlocked so I have no access to use my money while account is locked the card is with US Bank
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 XXXX XXXX  XXXX XXXX : # XXXX Date Account opened XX/XX/XXXX ; Late payment dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I contacted XXXX  XXXX to let them know was there anything I could do because due to XXXX my job hours were affected and the rep I talked to said they couldn't do anything but on their website, they have a customer assistance impacted by covid but couldn't remove my late payments. XXXX XXXX XXXX XXXX XXXX Date Account opened XX/XX/XXXX ; Late payment dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, I contacted XXXX  on XXXX to see if i could get my late payments remove and the rep said they will remove all late payments and make all current and paid, XXXX  XXXX : # XXXX Date Account opened XX/XX/XXXX ; Late payment XX/XX/XXXX, i contacted XXXX  and the rep said they will remove and also send an email and i never received the email to confirm and 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 15 U.S.C 1681c. ( 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 crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$650.00} ; ( Original Creditor XXXX XXXX XXXX  XXXX ) XXXX Balance : {$2800.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Account information incorrect

I had a mortgage with XXXX XXXX XXXX. It was put in foreclosure. The home sold and was paid off in XXXX of 2015. The two credit bureaus that listed this item ( Equifax and XXXX XXXX  ) listed the historical delinquency at 120 days late in months leading up to this sale. They properly lined out the months of XXXX and XXXX AFTER the item was paid. But they then listed a 120 day in XXXX of 2015 ... TWO MONTHS AFTER PAYMENT.

I disputed this with the bureaus and it remains on both of them. I have attached two pages of my credit file. One showing the XXXX XXXX item and the second page which continues with their historical listing.
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 XXXX XXXX. 
Enclosures : Social, ID, Identity Theft report
Complaint sub-issue: Trouble getting, activating, or registering a card

XX/XX/2020 Account locked for identity verification Sent in ID Card and XXXX XX/XX/2020 Still locked, asked for social security card. 
faxed social security card XX/XX/2020 Still locked faxed social security card id and XXXX both sides I have verified my identity and I can not get my account unlocked I need my unemployment money to pay rent and am very worried I will be homeless because of this.
Complaint sub-issue: Problem during payment process

The secured credit card organization First Progress issued by Synovus Bank. The organization strategically delayed payment processing until after the due date in order to post a late payment fee to my account.
Complaint sub-issue: Debt is not yours

( AR RESOURCES INC ) at ( XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ) has been sending me collection notices in the amount of ( {$390.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Complaint sub-issue: Information belongs to someone else

Hello, I have recently noticed fraudulent activity on my credit report. I believe I am a victim of identity theft. There are accounts on my report that I did not authorize. I have a security freeze and should have been notified before my information was ran. These fraudulent items are reporting inaccuracies to my which are affecting my relationship with creditors. Please investigate these matters and remove the disputed items.