Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is missing that should be on the report

I had to replace 2 credit cards because I lost my wallet, the accounts were removed from all 3 credit reporting agencies but should not have been removed. I contacted my 2 credit card companies and they stated that by LAW they must report to the 3 credit reporting agencies ... .the cards are XXXX account ending in XXXX and XXXX XXXX account ending in XXXX ... ..The credit reporting agencies are all giving me the run around on why they are not reporting and placing blame on the creditors XXXX   and XXXX  XXXX ... .now if these accounts were delinquent or fraudulent accounts I will catch XXXX getting them to not report them ... ..this is  complete XXXX!! both of my accounts should be reporting a XXXX balance and every payment has been made on time ... my credit score is stagnant because none of them are reporting my credit cards! they keep placing blame on the 3 creditors but the creditors said that it is up to the credit reporting agencies to update everything in their systems. I am baffled on what actions to take at this point, I just want my accounts to report as they should ....
Complaint sub-issue: Threatened or suggested your credit would be damaged

Dear Sir/Madam : I am contacting you in the hopes you can help me in my Dilemma!!!! 
Re : Nelnet Student Loan Account # XXXX XXXX XXXX XXXX Student / XXXX XXXX XXXX Mither. I  have sent this correspondence to Nelnet Please be advised that I will be contacting the Department of Banking & Financing , XXXX XXXX XXXX & I will be corresponding with Federal Government Student Loan on behalf of my daughter XXXX XXXX for a student loan for my granddaughter XXXX XXXX XXXX. My granddaughter XXXX XXXX is making payments on this student loan she obtained. She is currently working and can barely make ends meet for herself, she is willing to pay @ {$50.00} per month as that is all she can afford. She only attended XXXX University for one year and had to come back as her mother had a XXXX XXXX. Came back home to get a job to help her mother. My daughter earns less than XXXX @ {$10.00} per hour and is eligible for food stamps. XXXX has to choose no insurance coverage at work because she can't afford it. 
As I stated she wants to comply with the payments @ {$50.00} per month and can barely afford that. 
What I don't understand is how the balance is {$16000.00} when I believe she applied for an additional {$5000.00} " mother loan ''. 
Again she wants to pay as she is already paying her other student loan she just can't afford {$120.00} per month. 
I give you my word that I am getting to the bottom of this for ALL STUDENTS for ALL GENERATIONS these kid 's don't stand a chance in life if they're starting off in the negative. 
Thanking you in advance. 
XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

I have given these Consumer Reporting Agencies plenty of times to remedy the issue. Here is my XXXX report showing NO BANKRUPTCY on my file. The credit report agencies have previously claimed this information has been " verified '' with XXXX, however it shows no where on my MOST RECENT XXXX report that this alleged bankruptcy has taken place. Remove it immediately. It is against the law to keep things on my consumer report that I am PROVING are not verifiable via XXXX. I have attached my most recent XXXX report showing NO bankruptcy.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

According to my XXXX  and XXXX  Report the creditor is saying I owe {$14000.00} for an account they are saying was opened on XX/XX/2019 from XXXX  ( according to their notes ). However,  the creditor is unable to verify the debt or provide any documentation.
Complaint sub-issue: Reporting company used your report improperly

Equifax poor security resulted in the release of my birthday, address, and social security number.
Complaint sub-issue: Information is missing that should be on the report

I am the victim of erroneous credit scoring by Equifax Credit Bureau and none of the options on this site refers to it as it refers to my student loan servicer, who is reporting correctly to the three credit bureaus. 
My student loans are listed as 9 different payments by my loan servicer on my credit reports. On XX/XX/2020, Equifax Credit Bureau lowered my credit score by 50 POINTS due to my student loan balance had DECREASED and the fact that my payments have been deferred due to the current ( natural disaster ) Covid-19 pandemic. It is my understanding that this should NOT affect my credit score during this time of natural disaster as a low credit score prevents me from receiving assistance during this time that depends me having a credit score of 620 or better.
Complaint sub-issue: Not disclosed as an attempt to collect

I have a debt collection on my account who I do not have any idea who this company represent. I request this debt to be removed from my XXXX credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Please note that this is not a request for reinvestigation of disputed accounts, but request for evidence under the Fair Credit Reporting Act, Section 609. As per Fair Credit Reporting Act, Section 609 I have the right to request information from credit bureau regarding items that are listed on my consumer credit report : 1. XXXX XXXX XXXX account # XXXX 2. XXXX XXXX XXXX account XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature, but have not received any response from the credit bureau XXXX
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

Im extremely frustrated in working with vw credit. I leased a vehicle XX/XX/XXXX and decided to buy it out around XX/XX/XXXX. My credit union  sent them the payoff and I received confirmation that the loan was paid in full. I bought a new car from XXXX in XX/XX/XXXX and XXXX XXXX the Volkswagen. I got a phone call from my credit union saying they were unable to get my title and that I needed to contact VW. I contacted them XX/XX/XXXX and they asked me to resign some paperwork which I did and never heard anything. Fast forward to today XX/XX/XXXX after speaking to the XXXX dealer who said they still cant get my title. I called VW. VW needs me to resign the same paperwork. Im extremely upset about the process because the car is no longer in my possession and VW has never followed up with me through the entire process. The only reason Im finding out there is issues is through my other lenders. I honestly feel like VW would keep the title forever had I not been alerted from my credit union. There should be no reason they have my title for almost a year after pay off.
Complaint sub-issue: Reporting company used your report improperly

In accordance to 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 Inquiry date : XX/XX/2021 ( has violated my rights ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/2021 ( has violated my rights ) 15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish a account without Written consent.
Complaint sub-issue: Debt was paid

I XXXX XXXX, entered into a consumer credit transaction with Dept Of Ed/Nelnet on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. Dept Of Ed/Nelnet, outside of the finance charge, prepared to charge me monthly/incremental payments, which clearly violates 15 usc 1605. Furthermore, Dept Of Ed/Nelnet never clearly disclosed to me their violations, which itself is a violation pursuant to 15 usc 1611.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX, I went to PNC Bank to deposit my payroll check. The check was placed on hold. When calling customer service, I was told that someone placed a note on my account that all of my transaction be investigated. I have never done anything fraudulent on this account. I believe that they are racially stereotyping me cause I am a young XXXX XXXX   female. I had this very same problem two weeks prior when I deposited a {$4000.00} check from a legal settlement which was drawn on that bank. I was told there would be a 5 day hold. I could use my debit card but will not be able to withdraw and funds. According to her, this was standard procedures. I even called customer service who called my attorney to verify that I was his client. PNC Banks is really becoming a nuisance holding my funds hostage. I have XXXX kids to take off and I should not have to fight for what is mine.
Complaint sub-issue: Investigation took more than 30 days

CREDIT REPORTING AGENCIES IS NOT FOLLOWING FCRA AND FDCPA LAWS. 

THEY FAILED TO VERIFY AND VIOLATE THESE NEGATIVE ALLEGED ACCOUNTS. 

Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX XXXX and Equifax
Complaint sub-issue: Information belongs to someone else

XXXXXXXX XXXX XXXX is reporting on all 3 of my credit reports for a balance of {$2500.00} I never opened this account and it must be removed from all credit reporting agencies
Complaint sub-issue: Credit inquiries on your report that you don't recognize

False Credit Inquiries were made on my credit reports ( XXXX, XXXX and Equifax ). I had spoken to the Federal Trade Commision and was assured that the inquiries would be removed from my credit
Complaint sub-issue: Their investigation did not fix an error on your report

I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items
Complaint sub-issue: Information belongs to someone else

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below 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
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX : XX/XX/XXXX Last 4 SSN : XXXX XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I am writing because the following inaccurate information that appears on my XXXX report is still there as of XX/XX/XXXX. My report shows late payments, I previously disputed those inaccuracies these accounts. I don't agree with the results of your investigation and was never provided processed used in determining the validity of their findings. This damaging information is hurting my good credit. In accordance with the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FRCA requires that promptly updated all negative information that is inaccurate, incomplete, or which can not be verified, XXXX XXXX Credit Card # XXXX, XXXX Account # XXXX, XXXX  XXXX XXXX # XXXX has violated my rights. I am demand that these accounts be updated to reflect Paid As Agreed Never Late ( PAANL ).

Article 15 U.S. Code 1681 Section 602 states I have to privacy.

Article 15 U.S. Code 1681 Section 604A Section 2 states can not furnish my account without my written instruction.

Article 15 U.S. Code 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. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$2000.00}. Late payments showing : XX/XX/XXXX ( 30 Day Late ) XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$13000.00}. Late payments showing : XX/XX/XXXX ( 30 Day Late ), XX/XX/XXXX ( 30 Day Late ), XX/XX/XXXX ( 30 Day Late ) XX/XX/XXXX ( 30 Day Late ) XXXX XXXX XXXXXXXX real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Late payments showing : XX/XX/XXXX ( 30 Day Late ) Im sure you are aware I am lawfully within my consumer and civil rights to ask that the above demands under the ( FCRA ). The above derogatory accounts allegations are either untrue, unverified, incorrect, incomplete, or not proven to regulatory federal reporting laws and standards and MUST be updated to reflect Paid As Agreed Never Late ( PAANL ). I request that you provide me proof of your investigation, a detailed description of all procedures and steps used in your process to determine complete accuracy of the information you reported. Please mail me the proof of your investigation, the detailed process used in determining the validity of the information reported, as well as, proof that you have not violated any of these U.S. Codes. If you can not provide evidence you did not violate these U.S. Codes or lacking proof of you detailed process in determining accuracy of the inaccurate information, then I demand you delete any negative information in these accounts immediately and update payment history to reflect Paid As Agreed Never Late ( PAANL ). If you did violate these U.S. Codes please delete any negative information in these accounts immediately and update payment history to reflect Paid As Agreed Never Late ( PAANL ). 

Sincerely, XXXX XXXX
Complaint sub-issue: Problem during payment process

On XX/XX/XXXX I submitted a payment to TOTAL Visa in the amount of {$210.00}. They continue to claim the bank account number used for this payment was not able to be found. I have previously submitted the bank statement for the month of XXXX and will submit it once again to show it was active and valid.
Complaint sub-issue: Reporting company used your report improperly

My personal information was mishandled by the company XXXX Equifax XXXX, which potentially puts me at serious risk along with several millions of other people as part of the recent data breach. Since I can not trust Equifax to sensibly manage my information, I decided to place an initial fraud alert on my credit report using the services of XXXX, a different credit reporting bureau. 
Additionally, I was never personally notified ( by email, phone or otherwise ) by Equifax about the potential risk I was under with regards to my information being included in the data breach.
Complaint sub-issue: Card opened as result of identity theft or fraud

this is to provide more information to the investiagtors regarding this fraudulent application. I have attached the most recent response from elan financial. They state that I sent in an identity theft victim 's affidavit to them but I never lived at the address they claim this form was sent from. I XXXX  this form and it is a generic form that anyone can send in. It is my understanding that many credit repair companies use this form and is used by many for identity theft. The phone number XXXX is not my number and if it is under my name then someone has opened it fraudulently under my name. I respectfully ask that you review this information and close this fraudulent account. If there is anything else you need to help resolve this, please let me know. I need this account closed out because you are reporting this account with my social and allowing access to my current information to the identity thieves by your continued reporting of this. I do not want more accounts opened using my social.
Complaint sub-issue: Problem during payment process

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Complaint Department Elan Financial Services To whom it may concern, I am writing to dispute the following information in my credit file. The item Im disputing is Elan Financial Services Account # XXXX XXXX XXXX XXXX, as reported by XXXX  XXXX. 
This delinquent account record is inaccurate because I was having extreme difficulties paying my account starting in the month of XXXX, XXXX, and XXXX. However, I continued to make my payments online and I one day received a delinquent letter that I was more than 30 days late! There was no way I was late when each month I was making my payments. I called XXXX Nevada XXXX XXXX as that is where my credit card is from. They stated a new company had bought out their old payment company and therefore payments were to now be made at MyAccountAccess.com. I had to create a new profile for me to make my payments. At this point my account was behind and I had to play catch up as I was never notified of this change. This whole time I thought I had been making my payments on time. This account has now been paid in full on XX/XX/2019 of the amount of {$1800.00}. 

I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent. As you can see, my payment history is perfect other than this one mistake that I dont believe was my fault. The late payment is also showing up on my credit reports and its done a lot of damage to my credit scores. 


Please investigate this matter and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX Enclosures : Dispute Letter
Complaint sub-issue: Account status incorrect

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 accounts that are still reporting on my account : XXXX XXXXBalance {$950.00} XXXX  XXXXBalance {$490.00}
Complaint sub-issue: Their investigation did not fix an error on your report

When I invoked Covid forbearance protections in XXXX, my VA loan with XXXX was not delinquent. Instead of continuing to report my mortgage as current for the duration of my forbearance. XXXX  did not report my mortgage as current as required by the Cares Act and continued to suppress reporting any status until XX/XX/XXXX. My forbearance ended XX/XX/XXXX and I have made at least the regularly contractually scheduled monthly payment required at least since XX/XX/XXXX. 

XXXX  is improperly reporting my mortgage status for the duration of the forbearance and thereafter and is making it impossible for me to refinance due to the VA seasoning requirement to have 6 consecutive regular payments as reported by the credit agencies. Due to the suppression protection XXXX did not report the mortgage payments as current or delinquent but they where required to report the mortgage as current based on the Cares Act and the status of the loan when covid forbearance was invoked.
Complaint sub-issue: Reporting company used your report improperly

Pursuant to FDCPA 1692c ( c ) ( 2 ) I am invoking my specified remedy as the consumer, and as the original creditor, I am demanding the following Pursuant to FDCPA 15 USC1666b TIMING OF PAYMENTS- Remove the 4 missed payments on my XXXX XXXX XXXX credit card ending in 9513. This is an open ended credit card. Pursuant to 15 USC 1692j, XXXX, XXXX, Equifax, and XXXX XXXX XXXX are in violation. They are furnishing deceptive forms on my consumer report. Pursuant to 15 USC 6821, this is violating my customer privacy rights. Pursuant to 15 USC 6823, they are all eligible for criminal penalties. Pursuant to 18 USC 3571 ( c ), they are all eligible for federal fines. Pursuant to 15 USC 1692d, this is harassment and abuse upon my life.

If this is not removed, I will be invoking my monetary remedy pursuant to FDCPA 15 USC 1692k, in addition to criminal penalty under 18 USC 3571.
Complaint sub-issue: Deposits and withdrawals

For the last two months I have been trying to access my life savings which is with Citi Bank. The refuse to help me and tell me my account is inactive and to send in a notarized form to request my account be re-activated. I sent a certified letter tracking # XXXX via USPS. I confirmed with Citibank that they received the request and my account was active. I attempted several times to initiate a transaction via ATM debit and online transfer. When I call the customer service line I receive conflicting information from every agent I speak to. At this point I want to close my account and want my money back. Citi is holding {$280000.00} of my life savings hostage and won't provide a digital means of reinstating my account. Citi does not have any branches locally in XXXX or XXXX Texas. When I call the toll free line they send me to an offshore call center and the customer service is way below standard of a bank of this size. Please help me I'm desperate to get my money back.
Complaint sub-issue: Account status incorrect

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX : Account # XXXX, has violated my rights. 

This company continues to report a 30 day late payment to XXXX, Equifax and XXXX from XXXX of 2022. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 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 ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general 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. 

- I never gave these written instructions. & also. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time in years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX/XXXX XXXX {$310.00} XXXX XXXX {$680.00} XXXX/XXXX   XXXX {$75.00} XXXX XXXX XXXX {$3600.00} XXXX XXXX   XXXX {$3600.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX   XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX   XXXX XXXX {$960.00} XXXX XXXX {$94000.00} XXXX/XXXX   XXXX {$700.00} XXXX/XXXX XXXX {$2300.00} XXXX/XXXX XXXX {$2600.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}