Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with personal statement of dispute

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I am a federal protected consumer and the following adverse actions have been committed IN accordance with 15 USC 1681 by the consumer reporting agencies : 15 USC 1681b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

EQUIFAX did not receive written instructions form the consumer ( me ) to furnish any of my information to creditors or debt collects or allow any corporation to put anything on my Consumer report.

I sent an affidavit of truth the the CEO of EQUIFAX requesting a sworn affidavit by me the consumer given EXQUIFAX written permission to furnish any information from my consumer reports to any corporation or allow any corporation to furnish any information to my consumer report. EQUIFAX did not respond properly. AN affidavit can only be rebutted by an another affidavit line by line. 

15 USC 1681a ( d ) ( 2 ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card ( SSN card ) or similar device ; EQUIFAX has allowed corporations to furnish inquiries on my consumer report which is looked at as an authorization and the law clearly states that authorizations are an exclusion. A credit transactions and or experience between the consumer ( me ) and the person XXXX corporation ) are an exclusion as well EQUIFAX has committed these actions against me, the consumer and this has caused financial injury and ruined my reputation and my credit worthiness. EQUIFAX is civilly liable for each action committed against me
Complaint sub-issue: Debt was paid

they added an electric bill on my account and it was paid as agreed back in 2018 and it was removeds from my credit and the current collection i paid and they removed it and just the other day it was back on there with a new debt buyer..SO PLEASE DELETE THIS IMMEDIATELY!!!!!!!!!!!!!
Complaint sub-issue: Threatened to sue you for very old debt

I have been receiving threatening calls about a debt I have no knowledge of. Repeatedly they have called me and when I ask who they are they refuse to tell me and are very rude, most times they hang up. I eventually managed to speak with someone told them to mail me the information as I did not feel comfortable giving out my personal information over the phone blocked the number and later received a knock on my door from my local sheriff 's dept with a court order suing me for the debt from said collector XXXX XXXX. I am away on business and receive a phone call from my sick mother stating they have called her and threatened her as well. They then proceeded to tell her all my personal business without my consent or knowledge. I called once again and reminded them at this point I'm in litigation with them and there was no reason for them to continue to harass me or any of my family about a debt they can not even provide a statement of. Apparently this debt is over 5 years old and was bought by another debt collector from a business that is closed down. I offered on a few attempts to try and make arrangements to pay whatever I owed as long as I was mailed a statement or itemized bill. I've never received anything and even made arrangements to try to take care of this matter. They are bullying and non compliant about negotiating with me. I am in the process of being taken to court by these people due to their lack of communication and providing necessary information. I want to countersue them for harassment due to my mother 's health declining since their repeated calls which I have documented. Please let me know what I can do as this is not ethical or right for them to do this to people.
Complaint sub-issue: Having problems with customer service

I have want to remove a co-signer from a private loan that I got through Sallie Mae to go to school and they have refused to do so. I followed THEIR guidelines for doing so by obtaining my degree and sending them a transcript, showing that I am financially able to pay the loan, and made XXXX non XXXX late payments as they requested after my disenrollment. I am not sure what else I am to do if they do not follow their own guidelines. I believe that they, Sallie Mae, for whatever reason are not following their own guidelines in reference to my account. I have no issue with continuing my agreement without my co-signer and I am unsure why Sallie Mae has not allowed me to remove the co-signer as the reason to have a cosigner is for that fact of being financially secure. Also on a side not they apply a {$10.00} charge to my account if I make my payments one or more days past the payment due date. For example the payment is due on the XXXX of every month, if I make a payment on the XXXX I incur the fee, which is fine as a business practice but I am unsure if because of that they are unable/unwilling to remove my cosigner. I have made no XXXX late payments to Sallie Mae and that is reflected in my credit reports as well. I seek to remove my co-signer because when my account does come due on the XXXX, they begin calling my co-signers home and work multiple time a day after he has asked them to stop, it places an undue hardship on my co-signer being on the loan. I understand that I must make an effort to make MY payments on or before the due date but also according to " standard late '' guidelines I am not late. As I said I am not 30, 90, or 120 late to Sallie Mae therefore I am unsure why they prey on my co-signer as they do. To reiterate the point I followed THEIR guidelines and would like my co-signer removed.
Complaint sub-issue: Account status incorrect

I have a payment arrangement with XXXX XXXX on a delinquent account ( XXXX ) .XXXX XXXXXXXX has received 4 payments on time of the 6 payment arrangement.I have 2 payments of {$79.00} in XXXX and XXXX for completion of the attached agreement.In the agreement, under the heading '' What you need to know ... '' it says '' in accepting this settlement we intend to discontinue collections. " AND " Your payment ( s ) are confirmation of this arrangement. " YET, XXXX XXXX REPORTS THIS ACCOUNT AS A COLLECTION/CHARGE-OFF WITH NO NOTES OR INDICATIONS IN THE CREDIT REPORTING OF THE AGREEMENT! DOES XXXX XXXX THINK THAT ALL CONSUMERS ARE STUPID? THE REPORTING AS IT STANDS TO ALL 3 BUREAUS IS INACCURATE AND INCOMPLETE PER FCRA AND IS DEFINED AS A COLLECTION EFFORT BY THE FCRA! I HAVE NO FAITH WHATSOEVER THAT XXXX XXXX WILL HONOR THEIR FINAL AGREEMENT TO REPORT '' PAID IN FULL/WAS A CHARGE-OFF '', SINCE THEY ARE NOT HONORING THEIR AGREEMENT NOW, YET, I WILL MAKE MY FINAL TWO PAYMENTS AND KEEP MY END OF THE ARRANGEMENT AS AGREED.THIS ACCOUNT WAS DISPUTED RECENTLY BUT ONLY SUCCEEDED IN GETTING XXXX XXXX TO UPDATE THE PAYMENTS MADE, WHICH THEY WERE NOT DOING ( FCRA ) .EVERYONE KNOWS THE FACT THAT XXXX XXXX STEALS FROM THEIR CUSTOMERS UNTIL LAW ENFORCEMENT CATCHES THEM.XXXX XXXX IS CROOKED FROM THE EXECUTIVE OFFICES DOWN TO THE BANK WORKERS.THE CFPB HAS CAUGHT XXXX XXXX ONCE MORE UP TO NO GOOD AND HARMING CUSTOMERS AND VIOLATING LAW.
Complaint sub-issue: Debt is not mine

These people keep calling me, even though they have the wrong number.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I learned recently about the TEPSLF opportunity looking at the news. So I started researching this program and found out that it was temporary. This lead me to research the Public Service Loan Forgiveness ( PSLF ) program. After doing much research, I saw that in order to qualify for this  program I had to be in an income-based repayment plan. I've taken a forbearnace for the last 3 years. Every year I called, the XXXX XXXX representatives NEVER informed me that instead of taking a forbearance that I actually could of entered into an income drive repayment plan and get a much lower monthly payment that would've been counted as a qualifying payment under the PSLF program. I am still having financial hardship and I have no other options as I have now exhausted my forbearance and I have no choice but to pay a very high monthly payment! I felt that the representatives I spoke to over the years did not have enough knowledge about repayment options and lack training. This really saddens me as now I can't go back in time and I'm stuck due to XXXX XXXX incompetent staff.
Complaint sub-issue: Attempted to collect wrong amount

Conns appliances is filing a judgment against me. This debt is reporting on credit as opened in XX/XX/2015and that is false. This debt was opened 10+years ago. I had made a settlement agreement after there own employee lied of the terms of contract. I did not make the last payment as Conns would not provide written proof of settlement agreement. If you request communication records you will see how many times I tried to call and resolve this and how many people I bounced around with to try and get an answer. This was a {$3000.00} purchase I have paid double that amount and now they are starting balance is still over {$2900.00}. Even though technically in settlement I only owed about {$800.00}. They are changing dates to extended statue of limitation. They are now using a law firm by the name of  XXXX law firm for judgment. They have records of how many times I paid and tried to resolve this and never worked with me. I offered to return TV and they lied and said that was not an option. I have had nothing but trouble trying to resolve this. And again records and dates are being changed. I will be working with my bank to get statement copies of every time I paid them. But cons needs to have payment history and the date this account was actually opened. Please help!
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 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 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.

15 U.S.C 1692e 807. False or misleading representations ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

15 U.S.C. 1681s-2 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

In addition as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification and they have continuously used itemized documents to " verify '' my debt. Attached to this complaint I have several letters and documents contacting these collection Agencies as well as the credit bureaus to try and attempt to remedy this situation, as well as their responses. I also have a copy of my credit report attached to this with several of the inaccuracies specifically highlighted
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XX/XX/19 a representative from Credit XXXX Solutions called my phone trying to reach my husband pertaining to a debt for XXXX XXXX. When I advised the rep that I had no idea when we could take care of the debt she proceeded to ask me about my tax return. It was at this time I informed her our tax return is going to a down payment for a new home. It was at that point she said well I'd hate to see this from stopping you from buying a new home and if this is reporting it will ... That is when I proceeded to inform her that was threatening language according to the FDCPA and terminated call ... She informed me all calls are recorded so there is record of the call.
Complaint sub-issue: Was not notified of investigation status or results

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Numerous phone calls, emails as well as certified mail sent to innovis, they refuse to remove fraudulent info off my report. Innovis also removed a XXXX  XXXX XXXX account that was open and remained positive which I never disputed.ACCOUNT ENDING XXXXOPEN 2007!!!!! Why is innovis purposely trying to sabotage my credit report? 


all XXXX  XXXX accounts are considered closed via innovis with charge off - all XXXX XXXX accounts open and positive and no positive reporting is reported XXXX XXXX is open and positive, yet innovis reporting closed and negative with no positive months XXXX XXXX XXXX is being reported on legitimate credit report agencies as paid in good standing WITH ALL MONTHS REPORTED POSITIVE AND INNOVIS IS NOT I NEVER OPENED XXXX XXXX IT IS FRAUD XXXX IS NOT LATE FULLY PAID XXXX XXXX XXXX  IS FRAUD NEVER MAINTAINED ACCOUNT I DO NOT USE XXXX XXXX IT IS FRAUD REMOVE XXXX XXXX XXXXXXXX is being reported I don't care if it says requests I can only see I HAVE A XXXX XXXX AND U R LETTING XXXX XXXX ALONG WITH XXXX XXXX   REMOVE IT XXXX XXXX Report # XXXX And XXXX Social sec XXXX - XXXX - XXXX
Complaint sub-issue: Problem with rewards from credit card

On XX/XX/XXXX, my AAdvantage account number XXXX ( the " AAdvantage Account '' ) was terminated by XXXX XXXX for suspected " fraud, misrepresentation and/or abuse '' of the AAdvantage program. As a result, over XXXX XXXX XXXX miles -- nearly all of which were earned through Citi 's financial products -- were confiscated by XXXX XXXX. A copy of the " AAdvantage Account Suspension '' letter emailed to me by XXXX XXXX Corporate Security is attached herewith as Exhibit A. 

As mentioned, nearly all miles earned on the AAdvantage Account were accrued through my various financial accounts with Citi between the years XXXX and XXXX. A cursory internet search seems to indicate that XXXX XXXX is actively terminating customers who have earned miles through Citi accounts. Therefore, the purpose of this complaint is to request Citi 's assistance through verification of the miles earned from my various Citi accounts. 

Each of the statements attached as Exhibit B document the various promotional bonuses earned through Citi credit cards since XXXX. Each of these accounts were applied for by me, and duly approved by Citi 's credit card division, between XX/XX/XXXX and XX/XX/XXXX. 

While I recognize that promotional credit card offers publicly presented on websites such as Citi.com and XXXX generally limit participation in such offers to once every 24 or 48 months, the statements in Exhibit B reflect fulfillment of non-public direct solicitations without any such limitations as to frequency. With the exception of the accounts ending in XXXX ( personal card ) and XXXX ( business card ) -- which were applied for using offers publicly available on http : //www.citi.com/ -- all other accounts documented in the statements in Exhibit B were applied for using promotional offers received regularly from Citi and/or XXXX XXXX via direct mail or email between the years XXXX and XXXX. A sample of the direct mail offer terms is attached as Exhibit C, which states only that " [ i ] f you are an existing Citi/AAdvantage cardmember you are not eligible for this offer on your existing account ''. In light of this restriction that my existing Citi/AAdvantage credit card account ( s ) were not eligible for the offers, I opened a new Citi/AAdvantage credit card account in response to each such offer. 

Following approval by Citi of each credit card application submitted in response to these offers, I received confirmation of each account approval and the associated offer terms in the form of an " Account Approval Notice '', an example of which is attached herewith as Exhibit D. This Account Approval Notice in Exhibit D, for example, was mailed on XX/XX/XXXX following approval of the account ending in XXXX, and confirms that I would " [ e ] arn XXXX XXXX XXXX AAdvantage bonus miles after spending {$2500.00} in purchases within the first 3 months of account opening ''. Indeed, these miles were duly issued into my account in the statement dated XX/XX/XXXX ( see Exhibit B ) in accordance with the offer terms.
Complaint sub-issue: Their investigation did not fix an error on your report

I have recently been informed that XXXX  maintain a Tax Lien in their file under my Social Security number. Upon ordering a copy of my credit report, I see an entry listing in the amount of {$31000.00}. 

XXXX County Recorder Case # XXXX does not report Tax Lien to credit bureaus. The New Credit law in XX/XX/XXXX says that federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens. 

A Tax Lien filing is public information. Again XXXX County Recorder does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. XXXX, XXXX, XXXX has found information on Tax Lien through third party research. 

XXXX and XXXX have already removed this from their file so I sent 2 certified letters XX/XX/XXXX and XX/XX/XXXX to XXXX since they are the only one showing this Tax Lien to validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I received a reply back from XXXX that it was validated by LexisNexis in which I never received anything of the such. So I sent them another certified letter again this time one to XXXX and one to  LexisNexis requesting my signature to validate this information. This time XXXX sent me a Reinvestigation letter stating that LexisNexis Consumer Center is currently not reporting on the XXXX   file. So not true, I requested another credit report and it was still there as of today. I did not get any results from the credit bureaus which has brought me to file this complaint. I will also be filing today XX/XX/XXXX with the Attorney General Office and the Better Business Bureau. This need to be deleted off of my record immediately as it is affecting my credit scores. I also sent them a copy of the New Credit Law where all the bureaus agree to delete all tax lien and judgements off of credit reports.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

This is the second time I am complaining about a company who has victimized me and made false statements to the Credit bureau that I have 30,60,90,120 days late on payments when I have not been late but once last year due to a medical hardship which was only one month which I made an additional payment of. The company, XXXX , XXXX, has abused my civil rights by constantly causing a drop in my credit score which I have worked very hard on for the past 7 months so I can buy a home.
In XX/XX/XXXX I  took a loan of {$1300.00} from them and continued making {$59.00} payments and they continue changing their policies and now say I owe them {$1000.00}. This has been going on for 2 years of payments and abuse from them. I am contacting the Attorney General in my state as well as a Senior Legal Firm next week.
On XX/XX/XXXX I called them to make a payment and was told my account was in collections because I did not pay XXXX and XXXX payments on the XXXX of the month. My payments were made on the XXXX of the month from XXXX arrangements with XXXX, but was refused the payments as legit and told early payments do not count. This is the kind of games they have played since the beginning of the online contract.
Every time I call them, a foreigner with a XXXX accent tells me a new thing about the account and keeps me so confused I do n't know what they are doing other than victimizing me and scamming me for more money, and as far as I know they are not a payday loan company and do not advertise as one. I need help to solve this outrageous scam.