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

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Credit Collection ( XXXX XXXX XXXX ) - Account Number : XXXX XXXX- Account Number XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXXt- Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number:XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX-Account Number : XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : 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. Any other adverse items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

I have sent dispute letter on XX/XX/2022. I told all three credit bureaus to INVESTIGATE and VERIFY all information on every account but I got the dispute result from XXXX that the disputed item is verified and updated. 

They can not just say verified and updated the account without proving me regarding proper investigation. Also, every information on the accounts are still not reporting 100 % accurate. According to the FCRA 15 USC 1681, all information should be 100 % ACCURATE. I have the credit report to prove the inaccuracies. 

List of accounts XXXX XXXX  XXXX  Account Number : XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed a number of fraudulent inquiries on my XXXX credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted XXXX and was informed that they were unable to remove the inquiries for me and that I should contact the ftc directly.
Complaint sub-issue: Debt was paid

I have contacted CONNS over 10 times for this matter and spoke with XXXX ( Employee # XXXX ) and have even spoke with XXXX ( Employee # XXXX ) on XX/XX/2018 and XXXX XXXX on XX/XX/2018 at the corporate office that said they would take care of this account # XXXX before.I want to speak to someone within the next 48 hours because this is too XXXX after knowing that I have paid for this account in full. This has stopped me from getting my very first new home with my XXXX child. I have given my now landlord notice to vacate to move out. We will be homeless in less then 15 days. How does it feel to get an approval as a single mother trying to make my XXXX daughter happy and to give her her own room to being denied because of an account that has already been taking care of. Not only that it is paid but it is now showing on your credit report multiple times inaccurately.
Complaint sub-issue: Banking errors

In XXXX I opened a new Checking and Savings account at Citibank in the hopes of receiving a {$700.00} new account bonus for opening a " Citi Priority Account ''. I opened the account and deposited {$50000.00} on XX/XX/21 and have maintained that balance between checking and savings. The terms and conditions state " The Cash Bonus based on the Chart will be paid to your Eligible Checking Account within 90 calendar days from the date you complete all Required Activities. '' It's now been 92 days and I believe the required activities are making the XXXX deposit and maintaining the balance for 60 days.
Complaint sub-issue: Their investigation did not fix an error on your report

I HAVE BEEN VERY CLEAR AND PATIENT, I HAVE CALLED XXXX AND EQUIFAX AND THEY HAVE ASKED ME SECURITY QUESTIONS AND VALIDATED MY ID BUT I AM NOT ABLE TO LOG ONTO MY ONLINE ACCOUNT I HAVE ALSO BEEN UNABLE TO GET THE FRAUD STATEMENT REMOVED.. SO I WILL SAY IT AGAIN CLEARLY AND I HAVE ATTACHED MY NOTARIZED LICENSE AND BANK STATEMENT, WHAT OTHER PROOF DO YOU NEED? 

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. REMOVE LATE PAYMENTS, THOSE ARE BILLING DISCREPANCIES. HOW DID I GO FROM XXXX AND UP ON MY SCORES TO XXXX? SOMEONE IS PLAYING GAMES. 

3 THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

4. UPDATE AND SUPPRESS NEGATIVE INFORMATION 5. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. CLARITY SENT ME A PAPER WITH NO CODE BUT LISTED I NEEDED A CODE TO UNFREEZE. HOW CRAZY IS THAT, IT WILL BE ATTACHED. 

6. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS AS IT IS MAKING IT VERY DIFFICULT TO GET THINGS CORRECT. REMOVE IT IMMEDIATELY AND UPDATE MY REPORT. 

I BEG SOMEONE IN CFPB TO INVESTIGATE HOW HARD IT IS TO GET TO YOUR ONLINE ACCOUNT UNLESS YOU ARE PAYING LIKE XXXX... WE HAVE TO PAY TO SEE OUR OWN SO CALLED DATE. I AM SICK OF THIS. 
15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
Complaint sub-issue: Reporting company used your report improperly

Late Payments on my credit report. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Secion 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Old information reappears or never goes away

I've had a few problems with medical collections accounts ( XXXX XXXX ) being the main culprit, where I'd try to dispute the information and they would just remove it. Wait a few months and then reinsert it into my report. This is constantly dropping my score, as they insert it as a new account rather than what the original dates were. 

Account : XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$710.00} Original Creditor : XXXX XXXX XXXX That is just the main collection that keep popping up. That is the hospital in Florida. I hadn't been seen there since XXXX, I moved out of Florida in XX/XX/XXXX. This is one of the few accounts that keeps popping up every few months, while I'm trying to rebuild by score and every 3- months it gets dropped 50-80 points because of this. I've tried asking for proof of the debt, and haven't received anything. I get no letters that a debt has even been placed for collections/reinserted into my report. 

Is there anything that can be done? I know collections agencies sometimes sell the debts, but I've noticed it's always been the same collection agency name, reporting it, just changing the " open date '' on the account. This has been a struggle for the past 3 years, and I've tried disputing it every chance I get.
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity Theft. I contacted the FTC and they were very helpful in providing information as to how to help victims of ID Theft. I sent by certified mail to all  XXXX  bureaus all of the requisite information ID theft Affidavit, police report, etc ....  XXXX  and  XXXX  respoded professionally and promptly removed the fraudulent information. However, Equifax moved very slowly but finally sent me notification that the item had been removed. This was sent  XXXX   XXXX ,  2017 . I mailed off the information to them  XXXX   XXXX ,    2017  by certified mail. I checked my credit report on  XXXX   XXXX ,  2017  and the  itm  is STILL SHOWING. I called and was treated very rudely and put on hold for what totalled about an hour and I was told a bunch of lies. I can not believe the lies and deceptions. They stated that they would remove it within  48  hours of  XXXX   XXXX ,  2017 . The item is SILL showing and all the reps are rude and obnoxious. They in clear violation of FCRA laws are still reporting the fraudulent account on my credit profile. Please Help as they are adding salt to my wounds.
Complaint sub-issue: Trouble with how payments are being handled

I refinanced with XXXX in early XX/XX/XXXX, I have been on an Income Driven Repayment Plan and the Public Service Loan forgiveness plan for the duration. I work as a XXXX. I have called almost every year to challenge their qualifying payments tally which, as of today, is still more than 2 years behind. I receive conflicting information from customer service reps each time I call. Two years ago I was considering a job change and the representative said that as long as I still worked as a XXXX my loan forgiveness track should not be jeopardized. I left a lucrative XXXXl position to work for a small XXXX start up that provides XXXX XXXX for high volume or under served XXXX all over the country. I found out this year that the last 8 months of loan payments I made have not counted because my current employer does not qualify for loan forgiveness. As a small company, it appears, they can not apply for the tax exempt, non-profit status that large, wealthy XXXX enjoy. And so now instead of having about 5 years left of repayment, I have 15 years left of repayment totaling an additional {$250000.00} ( more than a half million in total, not counting the 4 years of repayment to XXXX XXXX before I refinanced in XXXX ). And so as of now the {$180000.00} I borrowed in XXXX in my late XXXX to become a XXXX will cost me more than {$500000.00} well into my XXXX. And now I have to scramble to refinance with another company, or sell my house in order to pay off the remaining {$190000.00} balance -- XXXX XXXX  more than I borrowed almost a decade ago, despite consecutive monthly payments. Mine was one of the first XXXX   classes forced to enter repayment during residency, so we were all on IDR plans and making payments too low to even cover the interest we were generating on our highest interest loans, so every year our principal balance just kept climbing. And then legislation was passed so that we could no longer write off that student loan interest. My loans continue to cost me {$25000.00} a year out of my take home pay, and now the department of education wants to extend my repayment period an extra decade even though the kind of work I do has not changed nor has my salary. This is money I can't save for retirement, money I can't put away for my daughter so that she never has to struggle with immense student debt like this, money I can't spend on home improvements or family vacations. If we told XXXX  students that the penalty for becoming a XXXX was at least a half million dollars paid out over 30 years, I am sure that far fewer American students would pursue XXXX. Which is a XXXX shame.
Complaint sub-issue: Information belongs to someone else

FCRA Section 609 clearly states that you are required by the law to send me the proof that this account is belong to me. I am requesting you to send to me the full documentation bearing my signature immediately upon receiving this letter.
Complaint sub-issue: Other problem getting your report or credit score

Beginning in late XXXX I applied for a loan. I knew that I had placed a freeze due to Equifaxs security breach. I attempted to remove mine and my wifes freeze in order to obtain the loan but needed a security pin to do so. A pin I never received. I have requested for the pin 3 times. Two via phone and one in writing, but yet they still do not know where my wifes or my pin is, and can not unlock my report so I can get a loan. It is now mid XXXX and still no Pin. THEY ARE PUTTING A FREEZE ON MY LIFE.
Complaint sub-issue: Information belongs to someone else

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report DEPTOFEDXXXX   XXXX {$4300.00} DEPTOFEDXXXX   XXXX {$3500.00} DEPTOFEDXXXX   XXXX {$12000.00} XXXX XXXX {$1300.00} XXXX XXXX {$850.00} DEPTEDXXXX XXXX {$4300.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiry reporting on my Credit Report : XXXX XX/XX/2020
Complaint sub-issue: Was not notified of investigation status or results

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

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 or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines 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 accounts 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. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : ( Original Creditor ) N/A ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX . 
ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX
Complaint sub-issue: Debt is not yours

Disputed this claim with the landlord of   XXXX   XXXX   XXXX   XXXX  ,  XXXX , KY. Charged for utilities after I moved. Due to renovations conducted the apartment became a health hazard. I paid rent due according to the lease. They were obstinate about paying utilities no longer in use after I moved and entered the apartment after I left and were working on it while I still had time remaining on the lease. I do n't know when they allowed another occupant into that apartment. It has been reported to   XXXX   and to  XXXX . Online disputes to no avail.
Complaint sub-issue: Investigation took more than 30 days

XX/XX/22 XXXX XXXX REMEX INC XXXX XXXX XXXX. We have disputed this account. 


Thanks!
Complaint sub-issue: Investigation took more than 30 days

In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXXXX/XX/XXXX # XXXX -- XXXX XX/XX/XXXX# XXXX -- XXXX XXXX XXXX # XXXX -- -- XX/XX/XXXXXXXX XXXX # XXXX -- XXXX XXXXXX/XX/XXXX -- XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 5 unverified accounts as of today. Thank you
Complaint sub-issue: Information belongs to someone else

There are several items Equifax is reporting that is false information I have disputed prior and nothing. This information is inaccurate and false I want removed     XXXX   XXXX   #  XXXX  I do NOT owe {$11.00} inaccurate   XXXX   XXXX     #  XXXX  {$23.00} I do not owe {$23.00} inaccurate and false   XXXX   XXXX     #  XXXX  {$10.00} I do not owe and outdated   XXXX   XXXX     #  XXXX  {$10.00} Outdated and inaccurate   XXXX   XXXX   #  XXXX  {$11.00} outdated and inaccurate   XXXX   XXXX   #  XXXX  Fraud, inaccurate and NOT my account remove
Complaint sub-issue: Frequent or repeated calls

I made the mistake of co-signing a Sallie Mae student loan with my Grandson. After a miserable year of dealing with them, the loan was paid in full. 

Apparently, my granddaughter has a loan with them and my wife and I ( both in our XXXX 's ) are in no way involved with that loan. Sallie Mae has called both me and my Wife about contacting my Daughter and Granddaughter about the loan. 

If the calls are not in violation of law, they are a form of harassment and a collection practice that should not be permitted. I will not be involved in the collection of any loans that I am not a party to. Secondly, we are both on the National Do Not Call list and it seems as if these calls are a violation of that Federal Law.
Complaint sub-issue: Information belongs to someone else

Company : LexusNexis They are reporting incorrect information regarding vehicle accidents that I was not involved in. I received a letter of experience from XXXX that shows that I am not at fault on any of these claims. The dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Complaint sub-issue: Account information incorrect

Equifax deleted a account from XXXX XXXX but didn't increase my credit score.
Complaint sub-issue: Information belongs to someone else

This is my 7th 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 Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX  XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$19000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$750.00} ; XXXX XXXX XXXX Balance Owed : {$15.00} ; UTILITY SELF-REPORTED XXXX Balance Owed : {$110.00} ; XXXX SELF-REPORTED XXXX Balance Owed : {$280.00} ; UTILITY SELF-REPORTED XXXX Balance Owed : {$140.00} ; XXXX, XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX CT XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX
Complaint sub-issue: Application denied

Citibank denied a credit car application based on the following : 1.Insufficient credit file for the last 2 years 2.Too many credit application inquiries within the last year. 
3.Credit Card Collections Past Due 4. These reasons dictated via outgoing automated voice transmission. 
5. Incorrect identification information on my report 6. XXXX os the report agency.
Complaint sub-issue: Their investigation did not fix an error on your report

I have XXXX XXXX XXXX XXXX XXXX on my report I do not recognize these accounts yet Equifax continues to report them Ive sent in numerous Identity Thef reports and validation letters they have failed to comply its been over XXXX days
Complaint sub-issue: Debt is not mine

XXXX quit providing channels I subscribed to therefore breaking our contract. I called to cancel our contract and later returned all equipment. I cancelled 2 days into a billing cycle which I offered to pay if sent an appropriate bill. The only bills I received were in excess of {$200.00} which I did not pay. I do n't feel I should pay {$270.00} for two days service.
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 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: Personal information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have some issues with someone using my name and information to open up accounts cable and utilities. I have addresses on my credit report that are not mine. Never lived at theses address it is possible that they belong to a EX or family member. I have a common name and I am a XXXX. The following addresses need to be deleted they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH 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, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX