Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

Despite my better efforts the original creditor has yet to be displayed on My credit report and the account still shows the opening date is 2014 more than 7 years ago. According to FCRA rules it's no secret that that should not exist there nor is it valid I'll add or verify above without the original credit.
Complaint sub-issue: Account status incorrect

On or about XX/XX/XXXX I experienced fraudulent activity on my personal checking account and had to close the account and open a new account. During this time, I had to contact all of my creditors and inform them of the new account information and setup auto-drafts all over again. XXXX XXXX was one of these creditors. I did not make any changes to my auto-draft with XXXX XXXX XXXX XXXX XXXX '' because it did not have a balance and no amounts were being auto-drafted at the time. Sometime in XXXX, XXXX XXXX enrolled me in " paperless statements '' without my consent or permission. I have never opted into paperless statements because in past experiences, the email that I received about my new statement would end up in the " spam folder '' of my email. In XXXX of XXXX I used my XXXX XXXX XXXX for a series of purchases totaling around {$550.00}. I was under the assumption that the auto-draft was still in place and that a statement would come in the mail, but it never auto-drafted and a statement never came. Sometime in XX/XX/XXXX I received a call from XXXX XXXX informing me that my credit card account was more than 40 days past due. I immediately made a payment to clear the matter up. I then began investigating how this happened and why. I found out, after speaking with XXXX XXXX XXXX Executive Team that my account was enrolled in paperless statements and that my auto-draft had been cancelled by " XXXX XXXX ''. I did not cancel the auto-draft, XXXX XXXX cancelled it. Not only did they cancel it, but the communication that it had been cancelled was sent via email due to the paperless statements that I was incorrectly enrolled in by XXXX XXXX. XXXX informed me that I signed up for paperless statements, however I did no such thing. I informed XXXX XXXX of this and they simply ignored it. They also ignored the fact that they cancelled the auto-draft, not me. After completing some research, I found out that XXXX XXXX incorporates a pop-up window on their website for my credit card account. On this pop-up, you must hit the " continue '' button. Before hitting the continue button, I noticed that there is a " check box '' that is already checked before you hit continue. What this means is that XXXX XXXX is forcing consumers to agree to paperless statements, without the consumer knowing because this " check box '' is already " PRE-CHECKED ''. What this means is that the consumer must first look closely to see that the box is already checked and they must " un-check '' the box before hitting the " continue '' button. This is a major issue and will likely lead to a Large Class Action Lawsuit against XXXX XXXX. If I can not get this issue resolved with XXXX XXXX, I will be the XXXX that initiates this Class Action Lawsuit. After bringing light of all of this to XXXX XXXX, they continue to refuse to acknowledge this issue and refuse to correct my credit bureau report. I have been utilizing credit since I was XXXX XXXX XXXX and in my 16 years of using credit, I have never paid anything late EVER.
Complaint sub-issue: Information is not mine

I had asked Equifax to investigate a few questionable items on my credit report. They sent back a report with something new on it that absolutely is incorrect and not mine.
Complaint sub-issue: Public record information inaccurate

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or D.O.B. in order for it to appear in your credit file. The credit bureau has not updated the information as per the new law true bankruptcy listed does include this information and should be deleted from my credit report.
Complaint sub-issue: Privacy issues

Discover sent unauthorized credit cards in my name to addresses that I haven't lived at to a fraudulent user that illegally used the card.
Complaint sub-issue: Problem during payment process

The credit card is set up with US Bank to auto-pay the full balance monthly and has worked well until XX/XX/XXXX. For XX/XX/XXXX, US Bank initiated the payment but did not post it until after the statement cutoff and showed the balance indicating the payment is overdue.

I contacted US Bank and was told all was well, the payment was posted but after the statement cutoff. In XX/XX/XXXX, the ACH showed up but was not for the outstanding balance after the XX/XX/XXXX payment was applied, rather US Bank took the entire amount for XX/XX/XXXX and XX/XX/XXXX in XX/XX/XXXX ; even through US Bank already received XX/XX/XXXX payment ( {$3100.00} vs. {$1000.00} that remained after the US Bank applied the XX/XX/XXXX payment ).

Since I budget funds in my checking account sufficient to cover actual debts between paychecks and invest the rest to earn a higher yield, this nearly double charge, if not timely remedied, will invoke my overdraft line of credit resulting in interest charges. I expect reimbursement for any costs created by US Bank.
Complaint sub-issue: Account status incorrect

We paid our mortgage for the month of XX/XX/2018 ON TIME, however, Equifax has it listed as 30 days late.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account # 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 602 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 maty 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 ) Section : States 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: Trouble with how payments are handled

My student loan account was recently changed from XXXX to a service provider names Nelnet. My repayment terms for XXXX was set up as a 10-year plan starting XX/XX/XXXX and ending in XX/XX/XXXX. Once transferred, I was told that payments and term loans were not changing, just the servicer. First payment was still the same, however, the second payment was for significantly less. I called Nelnet to see what the issue was and was told that the payment term was now for 25 years beginning XX/XX/XXXX making the term end XX/XX/XXXX. A DIFFERENCE OF 18 YEARS. I did not refinance the loan so I did not believe that they could do this without my approval. I thought they were suppose to continue the loan as is. Even with paying the difference to match what I was paying before, the new end date for my loan term is XX/XX/XXXX, so two extra payments and the representative said that she did not know why I would have to pay the two extra months even though my payments are still the same. She recommended that I pay extra XXXX dollars a month to get it back to ending in XX/XX/XXXX. So I still don ; t understand why I 'm paying extra.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX  XXXX XXXX Date Opened : XXXX XXXX, 2018 Balance : {$5300.00}
Complaint sub-issue: Not given enough info to verify debt

This account has been re-aged this account was closed in 2012 I have the original last bill I have asked for this to be removed to no satisfaction this company is violating my rights
Complaint sub-issue: You told them to stop contacting you, but they keep trying

XXXX XXXX XXXX. XXXX calls me almost every day and have been calling me for over 3 months. They call from a different number each time. I told them from the first call, not to call me agai, that I am XXXX, unemployed, my husband has XXXX, we lost our home and everything we had and can not pay a credit card but they refuse to stop harassing me. They are rude, hateful and tell me they wo n't stop calling me. This is my cell phone number they call.
Complaint sub-issue: Keep getting calls about my loan

Sallie Mae is harassing me ( via incessant phone calls ), and sending mail to my cosigner 's address. I 'm asking that said methods of communication cease. I 've written multiple letters to Sallie Mae, each asking for a path to a resolution regarding the issue at hand, and that they stop the harassment and bullying that they routinely participate in. With that being said, Sallie Mae has made zero effort to return my missives in regards to finding a resolution to the issue at hand. I, in addition to my cosigner, receive nonstop phone calls from various Sallie Mae agents, none of whom I have any familiarity with whatsoever. Meaning, every day, multiple people -- people who I 've never spoken to in my life -- call my phone claiming to be my assigned Sallie Mae account agent. But such claims are not accurate : Sallie Mae has failed to provide me with an account agent name and number, therefore I 'm never given access to a 'real ' human whom I can contact to resolve issues. Instead, I 'm at the mercy of Sallie Mae and their slew of nameless, aggressive debt collectors. I 'd like Sallie Mae to return my letters, stop contacting my consigner 's employer, and engage with me in a dialogue that will lead to a timely resolution to the issue at hand. Thank you.
Complaint sub-issue: Account status incorrect

My husband and I had an auto financed through XXXX XXXX. My husband, unfortunately, had to file bankruptcy and we gave back the vehicle. It is my understanding that it was sold at auction and that the balance was reduced from $ XXXX to $ XXXX. 

The XXXX XXXX installment loan stopped reporting any updates to my credit report since XX/XX/2020 so it appears to be stuck at a rolling 60 day late. When we call XXXX XXXX the representatives tell us that I am going to receive a 1099 because the balance is being forgiven which I am fine with but I need the account to be updated on my credit report since XXXX  XXXX is saying I am not able to pay on it as there isn't a balance due by me.
Complaint sub-issue: Received bad information about my loan

I do n't know who the holder of this loan is. but it is reporting the wrong default date. I graduated from college XX/XX/XXXX. I have a grace period and when that is done that is when I have my first default XX/XX/XXXX. they are not reporting the correct date, selling the loans to other lenders and I need the correct information submitted to the credit bureau. I have reached 7 years of non payment.
Complaint sub-issue: Investigation took more than 30 days

on XX/XX/XXXX 2017 I faxed a dispute to XXXX XXXX regarding a XXXX XXXX  account that 's reporting to my XXXX and Equifax credit report in the amount of {$310.00}. I was told to allow 30-60 days to investigate, its been past 60 days and I have not received a response. I have attached the dispute with successful fax transmission.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S DEPT OF ED/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX - XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Information belongs to someone else

To whom it may concern, I am reaching out for help as i was a victim or identity theft.. I have a family of 4 and have been attempting to get erroneous account removed off of my XXXX and XXXX credit report for years now. Please see the below listed experiences that someone has fraudulently open with my information listed in no specific order. 

XXXX : XXXX XXXX credit card charge off of {$800.00} account opened fraudulently XX/XX/XXXX XXXX XXXX is reporting an account that was listed in a XXXX bankruptcy and must be removed from all reporting per the FCRA ss 609 laws. 

XXXX XXXX XXXX was an account that was also listed in a bankruptcy in XXXX and again must be removed from all reporting per the FCRA ss 609 laws. 

XXXX : XXXX XXXX XXXX XXXX is reporting fraudulent auto title loans bills listed as purchased debt of {$690.00} for an account that was opened incorrectly as per the identity theft case listed for XXXX  and must be removed from all reporting per the FCRA ss 609 laws XXXX XXXXXXXX XXXX is reporting fraudulent medical bills listed as purchased debt of {$500.00} for an account where i have never even visited as per the identity theft case listed for XXXX  and must be removed from all reporting per the FCRA ss 609 laws XXXX  and XXXX  has both listed bankruptcy 's listed on my report that have been discharged since XX/XX/XXXX. They are also reporting a duplicate bankruptcy as well which dated XX/XX/XXXX which is impossible granted the 7 year mandatory resolution time. The bankruptcy was never even filed and needs to be removed per the FCRA ss 609 laws. 

As part of the identity theft during the same time period there were countless hard inquiries made into the XXXX  and XXXX platform for people attempting to obtain credit cards per the FCRA ss 609 these are fraudulent inquiries and unverifiable and must be removed immediately.

We have spent countless hours and money attempting to work with these reporting companies only to get no help. 

Please help resolve the matter at your earliest conveinence.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I submitted a dispute to Equifax. In this dispute, I asked Equifax to remove XXXX XXXX Account Number Ending in XXXX  because the information was inaccurate. My dispute stated the date of first delinquency was incorrect and that the account was reporting past its statue of limitation for credit reporting. XXXX XXXX is reporting a time-barred account. On XXXX  Equifax responded to my complaint stating the information had been verified as correct. Equifax did NOT conduct a reasonable investigation and the investigation result details clearly show that. In the Equifax response I received, Equifax is reporting the date of first delinquency being XX/XX/XXXX. They are also reporting that the account was opened on XX/XX/XXXX. There is no way possible for an account to be delinquent before its even opened. For Equifax to show this in their investigation results displays they have not conducted an investigation and didnt bother reviewing the information. This is willful non-compliance and also a violation of my rights under the FCRA. This account needs to be deleted immediately. Ive attached the investigation results in this complaint, highlighting the issues mentioned above.
Complaint sub-issue: Didn't receive notice of right to dispute

IC System Inc I am responding to your notice that you placed in my consumer report under collections about a debt you are trying to collect. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

Provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was trans-ferred. When you identify the original creditor, please provide any other name by which I might know them. In addition, tell me when the did you obtained the debt. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.
Complaint sub-issue: Information is not mine

on XX/XX/XXXX I called Equifax to dispute addresses that did not belong to me they deleted the address but not the inquires attached to them none of the inquiries resulted in accounts from nor where they ever done by me the following inquiries need to be deleted there are no accounts ever done by me or showing on my credit report the following things need immediate deletion per section 623 of the FCRA as well as section 609 of the FCRA as well as section 611 FCRA please send me requested proof that these belong to me I never requested anything from these companies these where done at addresses that where deleted off my credit file thank you I need XXXX deletions done asap 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 XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

EQUIFAX MORTGAGE SOL EQUIFAX MORTGAGE SOL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

The collection Company XXXX XXXX is reporting to the credit agency that they have an a collection account with me that was opened XX/XX/2018 for {$510.00}. I have personally contacted XXXX XXXX over the phone in order to settle the Debt, the issue is when I give them my information they are telling me that I do not owe them money. And that I have never had an account with them. But my credit report states that they are reporting I do owe them money for something.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My credit score was dropped almost 100 points from XXXX to XXXX because I paid off and closed credit cards. Both XXXX  and Equifax both dropped my score from XXXX to XXXX. This is not right that now I have to pay higher interests rates because of a low score. I still have a XXXX student loan that I have been paying on time and extra towards and that is not being considered valid in my score rating. Who do I complain about this to? It is not OK to put a person at a low score for being fiscally responsible.
Complaint sub-issue: Inadequate help over the phone

I am writing to Correct the wrong information put on my credit Report by XXXX XXXX and your Company Equifax Information Services XXXX. XXXX XXXX XXXX, GA XXXX. 
for knowingly supplied this inaccurate information for over a Year on the credit file! 
This has seriously harmed my credit. I have Consider class action Law suit against the Credit Reporting Agency Equifax. claimed that Equifax violated the FCRA by the company Equifax allegedly erroneous reporting of XXXX XXXX XXXX on credit file. 

Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about you to a credit reporting company ) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the credit reporting company and the information provider.
Complaint sub-issue: Reporting company used your report improperly

Inquire appeared on my credit report I didn't authorized ( not associated with an open account )!!! Date : XX/XX/2018 ...
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$570.00}