Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

I have had my XXXX XXXX Account since XX/XX/XXXX. My account with XXXX/XXXX  XXXX has always been paid on time. I paid it automatically electronically, and then at some point in late XXXX, XXXX and XXXX XXXX  converted some accounts over to XXXX XXXX. XXXX XXXX subsequently canceled my automatic payments, without my knowledge or permission, and without proper notification to me. 

Allegedly, XXXX XXXX is making claims that they did mail out notice, however, I have never received anything from them with regards to any changes until well after-the-fact. Had XXXX XXXX not canceled my regularly scheduled auto-billing which had been in place since XX/XX/XXXX, the account would have been paid on-time just like the 79 ( now 84-months prior ) ; If XXXX  XXXX would have legitimately made " verifiable '' contact with me, through any of the multiple contact methods they have on file from other past/present account relationships ( i.e., text/mobile notification, email, phone call, or traceable mailing methods ) to secure that the vital information was received " timely '', the newly transitioned account, converted from XXXX XXXX XXXX  -to-XXXX/XXXX  XXXX, would have been paid on time. 

Please correct this error, by removing this adverse information that has been reported to the credit bureaus. 

Thank you, XXXX Please also see the attachments included.
Complaint sub-issue: Information belongs to someone else

I have a bunch of fraudulent information on my credit report. 

I never had an account with XXXX XXXX XXXX or XXXX XXXX XXXX but they are showing up on my credit report. 

I also have several other inaccuracies on my report such as " XXXX XXXX '' another company that I have know knowledge of and have never opened an account with them. 

This is crazy, how can this be happening?
Complaint sub-issue: Debt was paid

Called I.C. System to pinpoint what exactly was owed to XXXX XXXX because the account was paid off. XXXX XXXX received all their equipment and the account was cancelled on XX/XX/2018. I asked what the debt was for, I.C. Systems couldnt tell me what the debt was for. I also let them know we received no bills, so why would it go straight to a collection agency. Again no substantial answer. I thought perhaps there was fraud going on, so I called XX/XX/XXXX and the collections department assured me that we owed nothing and the account was closed. The young man said to go straight to the FTC and report it, it sounds bogus since I.C. System couldnt give any answers.
Complaint sub-issue: Debt was paid

I was authorized by my healthcare provider ( XXXX ) for 30 visits with a Nutritionist. I was sent to see XXXX XXXX at XXXX XXXX, XXXX. I went to my first visit, paid my co-pay and saw Ms. XXXX for approximately 10 minutes. She gave me a pre-printed list of recommended diet tips and scheduled me for a follow up appointment approximately 30 days later. I returned 30 days later, paid my co-pay and spoke to Ms. XXXX for another 10 minutes and was rescheduled for another appointment approximately 30 days later. A couple of weeks later I received a bill from XXXX for {$310.00}. I called XXXX to see what was going on and they said XXXX was " balance billing '' me and that I was not responsible for the charges. I also found out that XXXX was submitting the wrong billing codes for payment. I was then connected on a 3 way call by the XXXX representative who explained to XXXX XXXX billing department the issues and how to resolve them. The XXXX representative seemed disinterested and like she was only half-listening to the XXXX representative. We ended the call thinking that the issue was resolved. A few weeks later I receive a collections notice from National Recovery Agency on behalf of XXXX for the {$310.00}. I call the collection agency to explain the situation and it falls on deaf ears. They will only listen to responses from XXXX. I called XXXX again, we 3 way call XXXX again and re-explain the situation and, again, think it is handled. I continue to receive harassing phone calls from the collection agency and the situation has not changed. I again called XXXX and filed a grievance on XX/XX/2019 ( reference # XXXX ) regarding this claim for service ( Claim # XXXX ) and was told that the investigation would be completed within 30 days. In the meanwhile, I had planned to refinance my home in order to help pay for my daughter 's coming of age party and find that this collection has caused my excellent credit score to drop to approximately 150 points. This will significantly affect the terms and cost of any loan I wish to obtain and has essentially destroyed any chance of me obtaining an affordable loan. I live on a fixed income and my credit is the only way I can afford to survive. I have an excellent payment history and my credit was flawless until this collection was put on me. I feel that I was deliberately and maliciously harmed by the actions of XXXX and do not want to see them harm anyone else in this manner.
Complaint sub-issue: Received bad information about your loan

XXXX was my direct service loan lender and I was told by several XXXX Representatives in XXXX to apply for the Public service loan forgiveness program. I was also told that I qualified for the Public service loan forgiveness program and once the program started forgiving loans ( XXXX XXXX ) That my loans would be forgiven. I left navient, and and all of my loans were transferred over to the public service Loan program. This has been an ongoing process sinceXX/XX/XXXX with no resolution in hand, I have been told that none of my loans qualify for Public service loan forgiveness.

I asked the Public service loan forgiveness program for audit of my loans and I have yet to receive any feedback. Please help this is been ongoing for over a year and it 's extended my payoff time from 3 years to 10 years.
Complaint sub-issue: Public record information inaccurate

In a letter from LexisNexis, dated XX/XX/2020, the consumer reporting agency stated that after a reinvestigation of an alleged Bankruptcy, LexisNexis was unable to verify the accuracy of case number XXXX, and removed the record from my LexisNexis Risk View report. 

I recently requested a copy of my LexisNexis National Credit File and this same inaccurate and unverifiable account is reporting there. If LexisNexis was unable to verify this account then it must be removed for their records entirely.
Complaint sub-issue: Can't use card to make purchases

Citi bank has retaliated against me for filing federal complaints by closing my account. I made a {$500.00} payment two weeks ago. Citi responded by lowering my credit limit. I filed federal complaints for arbitrarily lowering my credit limit on my account in excellent standing for no reason at the onset of a natural disaster and national emergency. In response to my compaints, Citi has now closed my account. Lowering my credit limit due to " high balances to credit ratio '' means that now my debt to credit ratio is even lower so all my other credit cards can lower my limits on those accounts as well, because now that Citi lowered my limits my debt to credit ratio is even higher. Citi started a viscous circle where my credit will repeatedly be negatively impacted. Now that Citi has closed my account, that will negatively impact my credit as well.
Complaint sub-issue: Didn't receive notice of right to dispute

i never received any type of documentation from this company ever even when i disputed it via postal mail. They claim my account was in collections for the amount of {$380.00}.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed a ton of inquiries on my credit reports that I did not authorize. I started disputing these unauthorized inquiries with the credit bureau on XX/XX/XXXX and they did nothing. I went on to dispute these inquiries on XX/XX/XXXX, XX/XX/XXXX, and just recently on XX/XX/XXXX. They have not done the proper investigation into these items and they continue to unlawfully validate these inquiries yet failed to provide sufficient proof of validation.
Complaint sub-issue: Other problem

My wife and I share a MasterCard credit card account with CitiGroup ( $ XXXX limit ). My wife and I are each Benefactor Life Members with the XXXX XXXX XXXX and we vote on their board each year. We are sick and tired of Banks such as yours using their enormous marketing power to discriminate against customers based on lawful firearm-related business activities. Stop it or we will close our account with CitiCard. PERIOD! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VT ( XXXX ) XXXX
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$160.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account.
Complaint sub-issue: Account information incorrect

My score with Equifax is still showing the lowest, at XXXX compared to experican at XXXX and XXXX at XXXX I have complained before about their reporting my scores, lowering my scores when balance decreased, and this is STILL not corrected, I am attaching screen shots, showing the following items that have not been corrected, where my balances decreased, and/or collections were removed and Equifax either made no change to my overall score or decreased my score : XX/XX/XXXX decreas and collections removed score up - OK this is good but then : XX/XX/XXXX NO SCORE CHANGE collection removed balance decreased by {$150.00} XX/XX/XXXX Balance decreased by {$680.00} and a collection removed no score change why? 

XX/XX/XXXX - XXXX points balance decreased by {$1.00} why? 

XX/XX/XXXX Balance decreased 13 points, and my balance decreased by {$230.00} why?
Complaint sub-issue: Information belongs to someone else

I was a victim of fraud and I am requesting a security freeze on my credit file. The following address are not accurate please delete : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX CT, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX Please delete the following cellphone numbers ( XXXX ) XXXX ( XXXX ) XXXX they are number mine.
Complaint sub-issue: Report improperly shared by CRC

Both XXXX and XXXX told me when I was applying that their application would not not produce a hard inquiry, and I have hard inquiries on XXXX and XXXX from XXXX and XXXX from XXXX, I have contacted XXXX companies, via phone, submitted a online form to XXXX, and XXXX spoke over the phone and email, XXXX companies said these would be removed, I never got service from either company as their sales team promised things they could not deliver ( besides saying the credit check would not impact my credit ). I spent hours with these companies to include setting up installations, that they never followed up on, and come to find out thier hardware would not work in my location?
Complaint sub-issue: Debt was result of identity theft

This is the third time that I have complained about this fraudulent account. I have attached a copy of my FTC ID Theft complaint and XXXX police report.ERC # XXXX XXXX XXXX NA # XXXX. I fail to see where ERC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report. ERC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Complaint sub-issue: Reporting company used your report improperly

My credit from Equifax Breach Settlement Administrator Your Claim Number : XXXX First my credit is still being breach by Equifax - my names has been found in several companies who received information from Equifax to contact me. 
This company refused to up date my credit information regarding Student loans, and will not get me a credit report. The scores have been lowed due to their breach in the system. 
I am asking you to fine this company due to their miss guided information about my credit and score. 
This company has neglected to provided a safe account to keep my social secuirty number and personal information from other companies. 
The refuse to pay my settlement amount after I reported this information twice about the breach. I have to check my credit every day due to their neglect. 
The have refused to honor my concerns to correct their mistakes. 
Stop giving out my personal information to other companies.
Complaint sub-issue: Their investigation did not fix an error on your report

I had made a non-typical student loan payment via " phone '' in XX/XX/XXXX. Apparently, what I had discovered was that my original phone payment transaction did not properly post to my student loan account. The transaction did NOT post for lack of funds in my bank account but rather an error on the creditor 's part. Eventually, I was told by an AES representative, the debit card did not process correctly due to possible transposed digits It was listed in the AES system as, Per Debit Split Card Not in Network. 
In turn, per AES 's policy, they do not make any immediate attempts via phone or email to notify their barrowers that the payment transaction did not properly post because of such a transaction error. AES never made any immediate attempt to notify me that there was an error on the card payment but rather let this error sit and stagnate. 
With today 's technology, it's interesting how such immediate notifications via text, phone and borrower 's personal emails are so readily available for such issues that AES still remains to rely so heavily on their AES website inbox and/or U.S. mail. 
On XX/XX/XXXX, I then made the second transaction of {$15.00} plus my regular monthly payment of {$46.00} to correct their card payment error. 
At the time, I stated to the AES representative being a long-time borrower XXXX XX/XX/XXXX XXXX that my only concern was that this error does not negatively impact my credit rating. 
The rep assuring me that any negative reporting would not happen. 
The end result was that AES reported a 30-day late payment to all the three credit bureaus. 
I have the enclosed my dispute document that I sent to American Education Services XX/XX/XXXX for your review. 
Thank you, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am filing this complaint because Equifax did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX EQUI XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ACCT ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX
Complaint sub-issue: Problem getting your free annual credit report

I tried to get my credit report from Equifax on XX/XX/XXXX online. I received back a message that they were not able to send it on line and I needed to call. I called and talked to two different representatives. I gave them extra information that they requested. They assured me there was not a problem with my Credit score and that they had looked at it. They then asked for further information which I provided. They then said they would send the credit report by mail and I would receive it within 7 to10 days. I received onXX/XX/XXXXand XX/XX/XXXX letters with a XX/XX/2021 date : each with a form I was requested to send back in order to get my Credit report. No Credit Report was included! The letter and form had the title " XXXX '' with address to send to at XXXX. XXXX XXXX XXXX GA XXXX. The " XXXX XXXX XXXX  Request Form '' asset that it be sent to XXXX XXXX XXXX  Request Service. XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
This to me is an unacceptable response to a simple request for an annual credit report. Is there some scam involved? I need to know!!
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX-XXXX hard inquiry XX/XX/XXXX-XXXX hard inquiry Both are on my report, having been told they will be there for 2 years when it wasn't me, I was a victim of idenity theft though no balance ever occured, no loss of funds were obsessed by me, therefore was told by my local police Department no report was required.
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$11000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I SENT DATA X MANY DISPUTE LETTERS ON MY NAME AND ADDRESS, I DONT HAVE A MIDDLE NAME. DATA X SENT ME A COPY OF MY CREDIT REPORT ON XX/XX/2020 WITH NO DATE OF BIRTH, A FRAUDULENT MIDDLE NAME AND ADDRESS
Complaint sub-issue: Don't agree with the fees charged

Hello, on XX/XX/XXXX complaint # XXXX I received this message ... XXXX XXXX has learned through this complaint that XXXX XXXX is not the correct consumer we are attempting to contact. As such, XXXX XXXX ' contact information has been removed from the account and she will no longer be contacted regarding this account. We apologize for any inconvenience caused through our communication efforts.

Now they're after me again and I filed another complaint # XXXX on XX/XX/XXXX.

Why are they after me again if it was proven that it wasn't mine and I received a check in the mail from a lawsuit that was filed against them from contacting people?
Complaint sub-issue: Information belongs to someone else

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXXXXXXXXXXX**** XXXX XXXX XXXX XXXX XXXX  XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act Laws. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 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 an 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 or 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: Their investigation did not fix an error on your report

THIS CONCERNS MY FINANCIAL LIVELIHOOD, AS XXXX, EQUIFAX, AND XXXX ARE OUT OF COMPLIANCE WITH THE FEDERAL CARES ACT. 

IT IS EVIDENT FROM MY CREDIT HISTORY THAT I PAY ALL MY OBLIGATIONS ON TIME. SUDDENLY, IN THE MONTH OF XXXX, DEFAULT BEGAN DUE TO ILLNESS WITH XXXX. PLEASE SEE PROOF OF POSITIVE ILLNESS ATTACHED. UNFORTUNATELY, MY RECOVERY TOOK MONTHS, LEAVING ME OUT OF WORK FROM XX/XX/XXXX XX/XX/XXXX. 

THE CARES ACT, WHICH WAS SIGNED INTO LAW ON XX/XX/XXXX, ACT AMENDS THE FAIR CREDIT REPORTING ACT ( FCRA ) TO STOP ADVERSE CREDIT REPORTING DURING THE COVID-19 CRISIS, ( SEE 15 U.S.C. 1681S-2 ( A ) ( 1 ) ( F ). 
RATHER THAN WORKING WITH ME AND COMPLYING WITH THE RECENT FEDERAL LAW WHICH SPECIFICALLY SATES, THE FURNISHER MUST REPORT YOUR ACCOUNT AS CURRENT TO THE CREDIT REPORTING AGENCIES, SO LONG AS YOU WEREN'T ALREADY DELINQUENT ON PAYMENTS RADICAL AND HARSH DELINQUENT REPORTING BEGAN. SABOTAGING MY HARD WORK AND FINANCIAL STANDING IN THE BANKING/FINANCIAL COMMUNITY. 

I WOULD LIKE FOR ALL NEGATIVE MONTHS CURRENTLY REFLECTED ON MY CREDIT REPORT BY THIS INSTITUTION TO BE CORRECTED TO EACH OF THE THREE CREDIT REPORTING AGENCIES. EVERY NEGATIVE MONTH REPORTED SHOULD REFLECT * ( NO DATA ) * OR * ( ND ) * FOR EACH MONTH A PAYMENT UNDER THE CARES FCRA WAS UNACCOUNTED FOR, DUE TO JOB LOSS FROM MY BATTLE WITH XXXX WHICH NEARLY TOOK MY LIFE. 

I AM BACK IN THE GAME AND I AM ATTEMPTING TO REMEDY THE SITUATION AS I AM IN GOOD HEALTH AND NOW HAVE A STABLE EMPLOYMENT. DURING THE GLOBAL PANDEMIC, LIFE WAS UNCERTAIN, BUT I CAN NOW RETURN TO PREDICTABILITY AND FULFILLMENT OF MY OBLIGATIONS TO EACH FURNISHER/CREDITOR.
Complaint sub-issue: Was not notified of investigation status or results

Hopefully this complaint isn't overkill. 

With covid-19 in our lives it seems like everything is taking far longer than it should. Packages are intermittingly arriving late, appointments are being delayed, and in general things aren't being done on time if at all. Due to all of this I no longer have trust that things will get done appropriately or in a timely manner. As such, I have decided to file this complaint against Equifax, XXXX, and XXXX XXXX. 

On XX/XX/2020, I sent a notice by mail to all three credit bureaus. There is a collection that is reporting with all three bureaus and I know this account is far more than 7 years old. I told them the account hadn't had activity in more than 7 years and therefore it needed to be removed. We are on XX/XX/XXXX and I still don't have any notices. Instead of waiting to see if it arrives later, I took the pre-emptive stance to file this complaint to make sure the credit bureaus respond to it. Please understand my credit is my lively hood and I take it very seriously.