Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy.

FEDLOAN Account Number : XXXX 2. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX Account Number : XXXX 3. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX CR Account Number : XXXX 4. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX Account Number : XXXX 5. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX Account XXXX : XXXX 6. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX CR Account Number : XXXX 7. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 8. FDCPA section 807 Violation misleading false reporting XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX 9. FDCPA section 807 Violation misleading false reporting Account Number : XXXX
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there is still an account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last few account on my report. According to FCRA section 605b, the credit bureau is obliged to block any account that has been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Received bad information about your loan

This complaint is in regards to FEDLOAN Servicing and implementation of the Public Service Loan Forgiveness ( PSLF ) Program. Since my employment with local government in early XXXX to my federal sector employment beginning in late XXXX, I have had over 10 years plus of certified employment pre-pandemic and under the emergency COVID-19 forbearance period effective until XX/XX/XXXX. As of XX/XX/XXXX, FEDLOAN has acknowledged my application and has updated my qualifying payment counts to be over 120 payments for a total of 4 of my 5 Direct Loans consolidated with FEDLOAN. I have been advised my application for loan discharge of the remaining balance of approximately {$43000.00} is still pending as of XX/XX/XXXX submittal and XX/XX/XXXX correspondence by FEDLOAN servicing. I have filed a complaint with US Department of Education at StudentAid.gov. It is my sincere hope that my request for TEPSLF is expedited and the outcome is favorable for loan forgiveness under TEPSLF or under PSLF per. the XX/XX/XXXX waiver.
Complaint sub-issue: Account status incorrect

I reached out to the company to check the status of the account. Due to the account reading differently on all credit reports. Stating that it is a charge off/profit loss/write off/ sold to collection agency. The representative told me that the account was still with them and tried to receive payment. From my understanding if the account was written off/profit loss. The debt had been paid in full to them and that i would now owe the collection agency XXXX whom they sold the debt to on XX/XX/2018. During this time RAC reported to the credit bureaus that I owed them XXXX XXXX.Even though they no longer held the contract. While going over my contract i noticed that no where in the contract i gave them permission to share my information with a third party. It states that all collection activity would be from RAC. This is a breach of contract. Also if the account is still with them it should be listed as closed with a balance. Not as a charge off/ write off/sold to collection ; along with a balance. This violates my FCRA for inaccurate reporting. Also the company violated my cease and desist request by contacting me through the mail along with XXXX contacting me through the mail, when told not to during a previous CFPB complaint. This is also a violation of FCRA.
Complaint sub-issue: Account information incorrect

Called the customer service for the XXXX XXXX XXXX card and reported a fraudulent charge and two weeks later my credit report has impacted very adversely notating that XXXX reported a complaint.  The Credit specialist at XXXX is not giving me much information or having this resolved.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX and XXXXXXXX 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Complaint sub-issue: Their investigation did not fix an error on your report

My account was on auto pay. Mohela says they stopped taking payments from my back account after having a letter they sent to me returned, although there was no change to my address. I made several requests for documentation of the returned letter in question to determine if it ever existed and, if so, to see why it was returned. They were unable to produce any documentation or explanation. I was unaware that the payments werent being debited as the emails they sent went to a junk folder. They admitted in my conversations with them that they never called my cell phone, which was accurately labeled as my current primary phone number, because their guidelines dont allow them to make automated calls to cell phones without some sort of prior authorization. Furthermore, they declined to have a human call me instead. Rather, they made three ( 3 ) robocalls to an old work number which was labeled alternate and no longer valid. 

So, in fact, Mohela did not adequately attempt to inform me by mail, phone and email that they were stopping the automatic payments, and therefore I was unawarecausing the account to inadvertently go into default. 

I wish to appeal and escalate this decision, so that the facts can be obtained and my credit report cleared of the negative reporting ( my FICO score decreased by 58 pts ) that resulted from Mohelas negligence in this case. Please advise.
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX is in violation under the FCRA. They have violated 15 USC 1681a ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part ( 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. All the accounts demanded of fall under these federal law so if CONGRESS DEMANDS these accounts to EXCLUDED from a consumer.report WHY IS EQUIFAX WILLINGLY REPORTING THEM IN DIRECT VIOLATION! XXXX has responded they VERIFIED the accounts past 45 days THAT I NEVER DISPUTED TO BE INCORRECT there for EQUIFAX conducted a FRAUD RE-INVESTIGATION. I NOW DEMAND EQUIFAX UNDER 15 USC 1681i by definition of investigative report TO PROVIDE ALL NAMES AND ADDRESS OF THOSE PERSONALLY INTERVIEWED to verify such accounts and IF THIS INFORMATION CAN NOT BE GIVEN THESE ACCOUNTS MUST BE DELETED because a proper investigation WAS NOT CONDUCTED
Complaint sub-issue: Attempted to collect wrong amount

this billl was paid in full over a year and a half ago they sent it to collections already before this and i reported it and provided the information showing it was paid they took if off and now they did this again this is illegal it needs to be taken off and XXXX XXXX XXXX  needs to be held responsible for fraud
Complaint sub-issue: Billing problem

I had a few late pays in XX/XX/XXXX and incurred late fees, but brought my loan current in XX/XX/XXXX. I have paid on time every month since XX/XX/XXXX, but XXXX XXXX posted my monthly payment incorrectly back in XX/XX/XXXX and still haven't corrected the problem even though I have spoken with them at least six or seven times and was assured that the money would be reallocated and posted correctly in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. They harass me at least five times a day - saying it is important that I return the call. Every time I call or answer their call, they assure me that the problem will be corrected. It hasn't been and I'm tired of wasting my time talking to them. When I answer their call, they state " do you realize you are XX days late on your payment? '' I ask them to look at the notes from the previous caller and then they apologize and state they will put another request in to reallocate my funds to my payment. I ask them to make sure to remove any late charges that they have been charging me, and the caller states " once the funds are reallocated, they can remove the late charges. '' Neither has been corrected. I want this to be resolved and the calls to stop, PLEASE!
Complaint sub-issue: Information belongs to someone else

This is the several times I've complained about being a victim of identity theft. 3 credit bureaus must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX  XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : - ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6100.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to Privacy 15 U.S.C. 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my instructions 15 U.S.C 1692C-Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I made a purchase on XX/XX/2021 order XXXX on the XXXX XXXX  app. I purchased 3 items totaling approximately {$500.00} and applied a 10 % off coupon. Coupon code XXXX. The app showed the discount applied for approximately $ XXXX {$48.00}. I then entered in a XXXX XXXX gift card number for {$100.00}. It then showed the remaining balance of approximately {$350.00} which I entered in my Home Depot credit card number that is financed through Citi Bank. When my credit card was charged they charged me approximately {$400.00}. Multiple calls on XX/XX/XXXX and XX/XX/XXXX with XXXX XXXX and Citi. Citi is now saying that because I used my XXXX XXXX  gift card the discount was no longer applicable. However no where in the terms of this offer does it say you can not use a gift card. it does say the purchase must be placed on your Home Depot credit card but it does not state the ENTIRE purchase must be placed on your Home Depot credit card. It also states that this offer can not be combined with any other discounts or deferred financing plans, however My XXXX XXXX gift card is not considered a discount. The app also did not show the discount no longer applied after I entered in the gift card number. What it did show was a remaining balance of {$350.00} that would be charged to my credit card.How can a customer know all the exclusions if Citi does not provide the information upfront? This is very deceiving and misleading to consumers because had I been provided the full terms I would have been able to make an informed decision and used my gift card for something else.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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: 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 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 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, 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: Frequent or repeated calls

repeated phone calls from the same company. I hang up and they call right back. They do not leave a message with why they are calling.
Complaint sub-issue: Information belongs to someone else

i've been trying to fix this simple problem with the credit bureaus, i am a XXXX, and the credit bureaus have negative information in my file, that belongs to someone who is not a XXXX. I know i have a very common XXXX surname, which has gotten me involved withe courts once, but do not fill that a XXXX XXXX, and me a XXXX, should be mixed up. I have written them before and they have refused, to delete this information, please advise
Complaint sub-issue: Account opened as a result of fraud

I noticed this past Friday that a withdrawal of most of the funds in my savings account was performed without my consent. 
The funds from my savings account went directly into a Citibank checking account. After speaking to my own bank to rectify the situation, I contacted Citibank directly who mentioned that indeed an account was open with my information and has since been closed. They then offered a free XXXX credit check service.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent in a letter explain errors on my credit report over 30 days ago. I seen a whole bunch of errors and marks on my report that I was un aware of. Especially marks on my report when i was XXXX  I need to this incorrect infor off my report this is affecting my ability to grow since i have been home
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

CASE NUMBER : XXXX XXXX  Cardmember service representative I received a letter from XXXX and it is questioning whether I want to continue with reversing the fraudulent charges made on my card. My answer is yes. I did not make any of these charges : XX/XX/XXXX XXXX XXXX XXXX {$190.00} XX/XX/XXXX Auth : XXXX  Payments {$19.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$14.00} XX/XX/XXXX Usps.com Postal Store XXXX Mo {$810.00} XX/XX/XXXX XXXX XXXX Pmts XXXX XXXX {$16.00} XX/XX/XXXX XXXX XXXX Pmts XXXX XXXX {$120.00} XX/XX/XXXXXXXX XXXX Pmts XXXX XXXX {$190.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX Ca {$59.00} XX/XX/XXXXUsps.com Postal Store XXXX Mo {$730.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$23.00} XX/XX/XXXX XXXX XXXX Pmts XXXX  Wa {$8.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$54.00} XX/XX/XXXX XXXX XXXX Pmts XXXX  Wa {$29.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$32.00} XX/XX/XXXX XXXX XXXX Pmts XXXX  Wa {$12.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$16.00} XX/XX/XXXX XXXX XXXX XXXX XXXXl Wa {$7.00} XX/XX/XXXXXXXX XXXX Pmts XXXX Wa {$8.00}XX/XX/XXXX Usps.com Postal Store XXXX Mo {$1400.00} XX/XX/XXXXXXXX XXXX Pmts XXXX  Wa {$99.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$99.00} XX/XX/XXXXXXXX XXXX Pmts XXXX  Wa {$260.00} XX/XX/XXXX XXXX XXXX Pmts XXXX  Wa {$590.00} XX/XX/XXXX XXXX XXXX Pmts XXXX Wa {$150.00} XX/XX/XXXX XXXX  XXXX Ny {$160.00} That is my final answer. You should be ashamed making me wait for my money this long.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and the creditors below has fraudulent accounts on my credit profile that needs to be remove immediately ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

In XXXX I lost my job, and XXXX repossessed my car. I tried my best to have the car reinstated, but I was unsuccessful. This repossession on my credit report killed my scores tremendously and I was unsuccessful obtaining credit anywhere. In XXXX and XXXX, I started working hard to catch up on debt, and reestablish myself so that I may become credit worthy again. I reached out to XXXX multiple times to try to find out what happened to the car because I did not receive anything from them explaining to me what was going to/what happened to the car They not only denied me access of buying back the car, they also never gave me the chance to reinstate the car. 

In XXXX of XXXX, I pulled my credit report and saw that the car was still listed as open, and in repossession. And Every month it reported as being late. I disputed the account with XXXX and the credit bureaus and according to them the account is reporting correctly. But how is this so when the account is reporting different data to each furnisher? How is this so when the car was repossessed over three years ago? Was it sold, Shouldnt it be listed as a charge off? And if its a charge off, should it be listing late payments still? And why is the balance still the same, was the car not sold? 

I called XXXX again this past XXXX of XXXX, and a representative told me that the account has been charged off for years, well if this is so, why is my credit reports stating different? 

Every month the credit bureaus are allowing this company, XXXX to report inaccurate information. The open date is inaccurate, the close date is inaccurate, the status is inaccurate, the payment history is inaccurate the balance is incorrect, the date of last payment is incorrect and the date of last activity is inaccurate and each of these categories is reporting different data to each data furnisher month after month after month. 

This company is updating incorrect information every month, and although I have disputed these inaccuracies in writing with XXXX, XXXX, and equifax, they still allow this company to destroy my credit by reporting unverified inaccurate information every month. 

This account is intentionally destroying my credit file. 

I am in the process of trying to establish a better life for my children and myself, but I can not because every month, this company ( XXXX  ) destroy my credit worthiness by reporting inaccurate unverifiable information.
Complaint sub-issue: Investigation took more than 30 days

In accordance with the Fair Credit Reporting, everything has to be 100 percent accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if I never applied for the XXXX XXXX account XXXX XX/XX/2018 and have sent them a letter from XXXX XXXX stating the account was opened fraudulently? I have also filed a police report and a FTC REPORT.

15 U.S.C 1681 section 602A. 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 1681 ( 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. 1681-2 ( 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.
Complaint sub-issue: Card opened as result of identity theft or fraud

XXXX processed a hard credit inquiry for an application that was fraudulent. Further XXXX allowed an individual to place a false e-mail and phone number on my account allowing an unknown person to access all of my credit.
Complaint sub-issue: Problem using a debit or ATM card

X/XX/2017 at around XXXX XXXX I made a deposit for {$320.00} into an ATM in the lobby of the XXXX XXXX US Bank. The ATM ate my card, check and did n't issue a receipt. I called immediately and they told me I would have to file a reg E dispute. I did this, and they denied my claim saying they needed a receipt. Which is inherently ridiculous when an ATM malfunctions. I want the bank to pay for a re-issue of the check or actually search for it.
Complaint sub-issue: Attempted to collect wrong amount

Procollect contacted me in reference to a settlement. I was advised that I could settle my debt for {$500.00} .I advised that I would be able to call her back ... .When I called back Ms. XXXX placed me on hold when she returned to my call she advised that she would not be able to take my payment. After she promised that she previously could I because I do not know collections tactics then asked my sister to assist me with the call .I advised that I gave my sister permission to speak on my behalf. They refused to allow her to assist me with the call then we were again disconnected. 

I have been verbally abused and consistently disrespected.