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

I received a copy of my credit report and found the following items to be inaccurate ; 1 XXXX XXXX XXXX XXXX XXXX has multiple inaccuracies. 
1. Across the three bureaus the dates of last payments received are inaccurately reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  comments and acknowledges the debt as being discharged in bankruptcy. So the company has been reporting activity on a discharged debt. This is a validation of the Debt collection privacy act.

By the provision of the Fair Credit reporting act I ask that this item be deleted. please reference 15 U.S. 1681s-2 ( a ) a duty of furnisher to provide accurate information. 15 U.S ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if a person has been notified that such specific information is in accurate. I understand that under 15 U.SC Sec 1681 you must complete this investigation with in 30 days.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Debt is not mine

Do not owe CAC Financial a penny. Reported several derogatory accounts on my bureaus. Approxiamately XXXX times in fact! Never signed a contact with them, Dont know who they are. Also listed them as medical which is againt HiPAA regulations. I sent a certified letter asking for validation with my signature and they failed to provide it! I have gotten turned down for a mortgage, credit cards, and my insurance payment is extremely high as a result of this! CAC has ruined my credit and basically my life at this point.
Complaint sub-issue: Having problems with customer service

XXXX groups of loans were reported, accurately at the time of their reporting, as delinquent for 180+ days to credit reporting bureaus. A deferral was granted subsequent to the reporting which was retroactive and for a date range which included the original delinquencies. The loan servicer ( Nelnet ) refuses to update the past postings to reflect the retroactive deferral. Around XX/XX/XXXX, I initiated disputes with the XXXX major credit bureaus citing the dates of the deferment. Nelnet determined their reporting to be accurate and made no changes. On XX/XX/XXXX, I sent a dispute to Nelnet, in writing, which specifically referenced an interpretation letter by the FTC in which loans what were reported accurately, and then subsequently deferred, were to be updated ( even in cases where the reporting was accurate at the time ) to reflect accurate information ( such as dates for deferrals ). Nelnet informed me on XX/XX/XXXX that they were still unwilling to update their past reporting to the credit agencies regarding the status of my loans. I feel that their unwillingness to update the reporting is in direct conflict with the FTC 's interpretation of the Fair Credit Reporting Act, which charges furnishers of information with providing " updated and accurate information ''.
Complaint sub-issue: Information belongs to someone else

I am writing to report fraudulent charges on my report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft and did not authorize nor make these charges. I am requesting these fraudulent accounts be removed from my report, and that I receive and accurate statement. Please correct this matter and remove these fraudulent charges as soon as possible.
Complaint sub-issue: Reporting company used your report improperly

XXXX XX/XX/XXXX : XXXX XXXX XXXX  XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX  XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX  XXXX XX/XX/XXXX : XXXX  XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : Account Name XXXX XXXX XXXX Account # : XXXX In accordance with the fair credit reporting act XXXX  accounts 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 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

Equifax announced the cyber security incident one of the largest in the history unauthorized data breach occurred from mid XX/XX/XXXX-JXX/XX/XXXX the incident was discovered by Equifax XX/XX/XXXX my data was breached from mid XXXX XXXX- XX/XX/XXXX. And I want to be compensated the amount of ( {$25000.00} )
Complaint sub-issue: Their investigation did not fix an error on your report

I asked XXXX  and Equifax to provide me the Date of First Delinquency with the original creditor because it was not provided and for XXXX  and Equifax to please provide this requested information and In the event that they can not verify the details and/ or provide the requested information, kindly remove these damaging accounts from my credit report. If you can verify the information you have listed as accurate, please provide the name of the person supplying this date as well as the manner in which it was provided in order that I may pursue additional remedies. XXXX  and Equifax just updated or modified the information and did not provide me with the requested information. XXXX  and Equifax are in violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) and for knowing violations of the Act.

Experian and Equifax failed to provide me the requested documents and in violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) and for knowing violations of the Act.
Complaint sub-issue: Debt was paid

XX/XX/XXXX I see Alliance One reporting on my credit report so I call to see what this is for. At that time I explained that I had filed this undee my chapter XXXX Bank Ruptcy due to a XXXX party making arrangements for payment. I gave my current address and phone # and ezplained that I needed to talk with my Bank Ruptcy attorney before doing anything. Instead of contacting me for payment or to make payment arrangements they proceeded to garmish me with out notification or being served even though they had MY CORRECT ADDRESS OF XXXX XXXX XXXX XXXX & phone # of XXXX XXXX XXXX for the past 8 years but swnt to an old address in XXXX instead. Then again in XXXX XXXXsame issue they requeated a garnishment without notification in which adding more fees & interest. Made pymt arrangements of XXXX to be paid if I could every week feom spouse pay check but forsure mine every 2 weeks. I made XXXX pymt XXXX and XXXX. I had called swveral time to make a pymt but they required the address of my bank whixh I did n't have so was told to call back had offered to do a debit payment for a lesser amount till i could get funds deposited and again they told me to call back when I had the full amount but instead they submit anothwr garnishment without notification no call no letter by mail requestong a payment EVER. So now more fees etc to pay. I let it go till I see that my payroll dept would continue ti pay the wrg amt subited in XX/XX/XXXX due to payments made not being ctedited to acct before subiting a XXXX garnishment. I fileed a precious complaint in which was able to have the company stopped the garnishment being the balance should have been paid in fulll if the attorney fees etc had not been addes again. If there was a balance oweing they should have contactef me be phone email or mail they had all this information BUT THEY HAVE CHOSEN TO FILE GARNISHMENT AFTER GARNISHMENT in which I FEEL IS A SHADY WAY TO ADD FEES TO PUT MONEY IN THEIR POCET. INSTEAD OF appling pymts made ro the court fine they have taken an applied it to thwir feesnand services as showen in attached info. I have been requesting since the XXXX call I made to this company a beginning balance showing payments made ro tje original creditor which is part of ALLIANCE ONE but to luck I have never received any of this information to this day just the bal they placed ony credit report. This companys collections pratice s hi puld be investigated to how they can just file garnishment after garnishment without notification. This causes the balance to continue going up and nevwr be paid off. So a remaining bal of XXXX is what they show and added MORE INTEREST FEES ATTY FEES AND XOURT COST JUST TO GWT MORE MONEY. Im currently on short term XXXX and they have garnished my check in rhe amount of XXXX. I fewl this ahould be it which is still more rhan what I owe. I KNOW I HAD FINE BUT TRULY THOUGHT WAS INCLUDED WITH MY BANK RUPTCY. IF THEY WOULD HAVE JUST CONTACTED INSTEAD OF GARNISHING ME WITHOUT NOTIFICATION I COULD HAVE TAKEN XXXX OF IT QITH A PYMT PLAN AND IT WOULD HAVE BEEN ALOT LESS THAN IT IS.
Complaint sub-issue: Debt was paid

XXXX  is still showing an unpaid collection on my report. I paid this collection on XX/XX/2019 with my XXXX XXXX. 

The collection was {$550.00} with XXXX, and the original collection agency was Jefferson Capital. When I called them in XXXX, they had turned the collection over to XXXX XXXX. 

I am attaching both my recent copy of my XXXX report, and a copy of my XXXX statement that showed I paid it.
Complaint sub-issue: Don't agree with fees charged

After submitting multiple reports, phone calls, emails, etc. it is apparent that Discover will not compromise or help out my situation at all. I have tried everything in my power as a consumer to get them to negotiate my interest rates, apply for the hardship assistance program, only to have them tell me that I do not qualify and they will not budge. 

This is nothing short of Loan Sharking, and it will not stand. I am a human being and deserve to have consumer rights. If I do n't apply for hardship assistance, working/owning XXXX full time businesses, while not being able to afford groceries, rent, phone, or any other expense besides my student loans. I do not miss my payments. I pay between $ XXXX {$1200.00} with all my student loans combined ; Discover is charging me 8.875 % for a {$11000.00} loan and 7.125 % on a {$19000.00} loan. When I ask to apply for the Hardship Assistance program ; interest rates are reduced temporarily with a {$50.00} per month payment, they say that I do not qualify. 

I made less than {$20000.00} dollars last year. If I do n't apply, who does? Where is the justice system? How are they allowed to get away with Loan Sharking and such fraudulent behavior? If college is a debt sentence, the said debt should be reasonable and not astronomical. Taking advantage of the youth by having them sign papers they do n't understand because they need to pay for college is Loan Sharking. 

Shame on you Discover. It is not secret that all they care about is their bottom line, and the people are just numbers to improve that. It does n't matter if they ca n't afford groceries. At the very least, bare minimum, these companies should be held accountable and made to refinance these outrageous loans that are somehow legal. When we talk about justice, how is it just to have a multi-billion dollar company handcuff a citizen below the poverty line. If someone below the poverty line ca n't refinance their loans, I want to know who can? 

Enough is enough. If the companies themselves wo n't budge an inch, it 's time for our government to step in and protect the people for once.
Complaint sub-issue: Reporting company used your report improperly

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 )
Complaint sub-issue: Didn't receive terms that were advertised

I responded to a bonus offer of {$2000.00} to open a Citigold checking account if I deposited {$300000.00} and mantained that balance for 60 days beyond the XXXX day of my initial deposit. I followed all terms and conditions necessary to qualify for this bonus. I opened my account on XX/XX/XXXX and maintained a balance of over {$300000.00} until XX/XX/XXXX. I kept over {$300000.00} in a non-interest baring checking account over XXXX to received the {$2000.00} new account bonus, but it was never paid. After speaking to my Citigold account manager, XXXX XXXX, she stated the Citibank was " behind '' in their bonus payouts and encouraged me to leave the money in my savings account until they could finish their investigation in another 2-3 weeks. Meanwhile my {$300000.00} was collecting XXXX interest as I waited for them to do their 'research. ' I later received a letter through Citibank 's secure messaging system that was pre-dated XX/XX/XXXX. It stated I was 'not eligible for this offer if they are or were a signer on an existing consumer checking account within 180 calendar days of opening the new account.Your account records indicate you have existing checking account number ending in XXXX which was opened on XX/XX/XXXX. ' This makes XXXX sense because why would they mail me a promotion ( twice ) if I did not qualify for it? I opened the XXXX checking account ( XXXX ) 2 years prior, NOT within180 days of opening the account in question ( XXXX ). Citibank has created an unethical scheme to sit on customers hundreds of thousands of dollars and collect interest -- in my case, {$300000.00} over the course of 90 days. I am requesting the {$2000.00} sign on bonus promotion Citibank originally advertised to me ( in XXXX separate mailers ) be paid to me ASAP, as I have lost significant interest as these funds sat in their account while I lost interest over the course of XXXX months. I am outraged this bank has acted so unethically.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX, I mailed certified letters to each credit bureau and confirmation that the bureaus received the dispute letters on XX/XX/XXXX. I was not notified after 30 days there was no correspondence at all from the bureaus. I then sent several more follow up dispute letters on XX/XX/XXXX again there is no update. I am within my rights which has been violated. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not complaint and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes. As you are aware Federal Law requires you to respond within 30 business day, it has now been over that period since the receipt of my dispute letters. Failure to comply with the Federal Regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC, XXXX, & CFPB. Please be advised that this is my THIRD WRITTEN REQUEST after the initial 30 business you've FAILED to respond. The unverified items listed below remain on my credit report in violation of FEDERAL LAW. I am prepared to take legal action. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct, NOT JUST BY A COLLECTION AGENCY OR COMPANIES STANDARD, YOU MUST PROPERLY VALIDATE THESE THINGS AS THE FURNISHER OF MY CREDIT REPORT. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have maintained detailed records of all my correspondence with you all. I demand the following accounts be verified or deleted from my report due to your negligence. 

XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX- Account:XXXX  XXXX XXXX XXXX- XXXX XXXX XXXX AccounXXXX XXXX-Account:XXXX XXXX XXXXXXXX-AccountXXXX XXXX XXXXXXXX XXXX-Account:XXXX- VOILATION THIS ACCOUNT HAS THE SAME NUMBER A WHOLE OTHER ACCOUNT XXXX XXXXXXXX XXXX XXXXAccount : XXXX XXXXXXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I had a bankruptcy pop up on my credit report that I did not file. I spoke to the courthouse about this matter and they confirmed that they did not verify the identity of the filer and the bankruptcy was closed shortly thereafter. I wound up needing to dispute this bankruptcy directly with XXXX. I did so and XXXX removed the bankruptcy from my personal file and provided me letters and a copy of my personal file to showcase. 

I forwarded all this information on to XXXX  directly via Certified Mail. XXXX  claims to have investigated it and verified it but since they use XXXX and XXXX has already removed it from my file, there is simply no way that's possible. The investigation process appears to be a sham, since the bureaus all list XXXX as their source of public records and I've already taken care of it.
Complaint sub-issue: Their investigation did not fix an error on your report

To whom it may concern : I have written several asked for evidence supporting the inaccurate entry being reported by XXXX for XXXX XXXX. 

I have repeatedly asked for evidence to support the inaccurate reporting, but yet, again, they have failed to provide me a with a a copy of ANY viable evidence submitted by XXXX XXXX substantiating their claims. Furthermore, I have requested the method of verification, to which there was no compliance, which is a an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

I have maintained careful record of my communication with XXXX per XXXX v. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX  for liability and willful non-compliance. They have violated federal law but not properly investigating within the required timeframe and the item should now be removed due to inaccurate reporting.
Complaint sub-issue: Personal information incorrect

Good morning/evening, On the following dates of XX/XX/2017 XXXX  filed a hard inquiry on my credit report where I never authorized such inquiry. This is greatly impacted my ability to eventually purchase a home. I request to have them removed immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX inquiries due to fraud appeared in my Equifax report XXXX  and XXXX of XXXX. I contacted the bank in question and notified them of the fraud. They immediately closed the account and mailed paperwork confirming the events. They also notified the credit reporters to remove the inquiries. Finally, I submitted a fraud alert with Equifax XX/XX/XXXX.
90 days passed.
I submitted a dispute XX/XX/XXXX with Equifax because the inquiries remain.
90 days passed.
I received no response from that dispute. I resubmitted the dispute on XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX. I received the same generic responses that the fact an inquiry happened, despite being fraud, validated its reporting.
I contacted XXXX again and they verified the events of the first call and that they would remove the inquiries. XXXX again sent me a letter of verification, and again contacted Equifax asking them to remove the inquiries.
90 days passed.
It has been almost a year. The inquiries remain. Trying to submit another dispute now results in an error on their website. Emails to contact links are bounced back. These problems needs to be fixed.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

ive noticed several unauthorized inquiries on my credit profile this is an illegal per usc section 1681 which states that there must be written consent in order to authorize inquiries also section 609 of the fcra states the same there must be written this is grounds for a suit and if they are not removed by these unauthorized companies i will persue every matter in court
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX account number 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 a account without my written instructions
Complaint sub-issue: Public record information inaccurate

Based on the new requirements for Public Records I have filed disputes with XXXX, XXXX and Equifax to remove my tax lien based on it lacking a full SS # or D.O.B. I disputed 2 times with XXXX and they just last week removed the lien. With Equifax I disputed for the 2nd time on XXXX XXXX, 2017 with XXXX ID # XXXX. I advised that only some of the information was removed, but the PR still sits on the report. the only details is reference number and $ amount of the lien. No other information. I provide her with the reference number, Book and page and advised that the lien only shows the last 4 digits of the SS # and no D.O.B. I 'm still waiting for resolution. With XXXX, I disputed first on line the week of XXXX XXXX. They came back with complete and verified, remains on report. I called and talked to a CSR named XXXX on XXXX XXXX and he told me it was verified and remains on report. I got a copy of the Lien and called again on XXXX XXXX and disputed with XXXX. She provided me with their fax number, I faxed a copy of the lien together with a very detailed cover letter. Today XXXX I found that again they verified and " updated '' the lien to " paid '' but that it will remain on my report until XXXX. I talked to two different gentleman ( one went by name of XXXX ), he was a supervisor. I explained that under the new National Consumer Settlement and PII enhancements that the lien should have been removed  and even advised that they have a document on their website that has all of the details of the new required information. Still, after verifying that they did in fact receive copy of my lien that they verified the information and it will remain or the only thing he would do is again dispute it. I have a copy of the lien, but I do not have it saved as a document so I can not attach it. Please let me know if there is other information you may need for your investigation.