Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

The credit bureau XXXX, Equifax , & XXXX  has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. XXXX, Equifax, & XXXX  has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the XXXX law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the XXXX law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. XXXX, Equifax, & XXXX  failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. 



I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile.
Complaint sub-issue: Account status incorrect

As you will review, if you have access to my records, I have had many complaints again my mortgage company. In XX/XX/2019 I thought a resolution had been made with XXXX XXXX. At the beginning of XX/XX/2019 I realized that the issue was not resolved because my account was showing delinquent on my credit report. It stated I still owed for XX/XX/XXXX. The overall issue is this, which then brings me to my dispute with my credit report.They want to charge me $XXXX a month for my escrow. When I calculate my escrow based on my Taxes and Insurance bill the basic math equals $XXXX. If then I provide a 2 month cushion, the amount comes to $XXXX. Currently I send in a check each month one for Principle and Interest = $XXXX   and then an Escrow check = $XXXX. The billing department will put all of my money into Escrow because I am not equaling to what they say I owe which is $XXXX. Then my account looks delinquent when in actuality I have paid. They did this all last year and are starting to do it again. If I put on the memo line of my check what it is to be accounted for that should not be an issue. I also always include a letter with the same information. There has never been any dispute of this information provided to me in writing, I am only informed by my credit report. They never send me notifications or statements. The only communication I have is with XXXX XXXX In the end all I want is to have my credit report reflect I make my Mortgage payments on time, because I do and I can prove that. If they choose to put the money toward Escrow and ruin my credit then I will continue to complain and may have to take further legal action which I really do not want to do. This saga has gone on too long and according to some research this company seems to have a lot of complaints and one lawsuit due to the same issues as I am having. If you are suppose to be looking out for the Consumer why does it take so long for these companies to be taken to court and made to account for their actions?
Complaint sub-issue: Investigation took more than 30 days

I believe I am a victim of deceptive practices performed by Equifax,   XXXX   XXXX    XXXX , and TransUnion. I am paying monthly fees to track my Fico score with Equifax,  XXXX , and  XXXX . I have applied for  XXXX  loans and each time I was denied by the lender because of the scores reported to the lender by Equifax,   XXXX   XXXX    XXXX , and  XXXX . Equifax has consistently reported a much lower score to the lender than the score I purchase from them every month. I should be entitled to know exactly what Equifax is going to report to a lender before I apply for any loan. This way would save everyone time and embarrassment. Because of the  XXXX  different numbers presente d (   XXXX  to me and a different number to the lender  ) Equifax ha s lied about providing me access to my Fico score. I filed a complaint with Equifax and   XXXX   XXXX    XXXX  in  XXXX  through the Illinois Attorney General   (    XXXX   reference   XXXX   ) and I  got no results. I was denied a loan on  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  based on information received from Equifax and   XXXX   XXXX    XXXX . I was also denied a mortgage loan on  XX/XX/XXXX  based on information from TransUnion.
Complaint sub-issue: Used obscene, profane, or other abusive language

Contacted this agency to resolve a debt that i had with best buy, I had called in to get an acct number and an address to where to send the payment, she wanted to know my whole history as to why i did not pay, when i will pay? I told her i just needed the acct number and address to send payments to for now, and that the reason i called. She just continued to ask, how much are you going to send and why were you not able to pay, and I kept telling here, i only need the address and acct number, she finally got to giving me that info but rudely just blurted the acct number and address so fast, assuming I am a speed writer, to which i told her that i wanted to speak to her manager .XXXX the manger who i should say was trying to be professional but was on some power trip trying to prove him self right by saying his rep was ok in how her dimenour was in bluurting out the acct and address, further telling me that his agent assumed that i was a speed writer. These agency 's really need to be held to a high standard, in life tings happen, people lose jobs etc and agency 's like this really look down on people, is my perspective. XXXX did say he was going to get with their compliance team within the organization but we all know where that is going ..
Complaint sub-issue: Information is missing that should be on the report

The United States Bankruptcy Court failed to report payments to the three ( 3 ) credit bureaus from the Chapter XXXX Bankruptcy case in which there were payroll deductions made by XXXX XXXX XXXX as well as payments made prior to and after with a money order in the amount of $ XXXX a month.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX credit card is being reported negatively on my credit files and has been removed and then appears again.this is a fraudulent account that doesn't belong to me. This has been disputed and was resolved and removed and thought to have been handled and then the account reappeared. I have sent the credit bureau the police report and dispute as well as XXXX XXXX XXXX and was advised this would be resolved.
Complaint sub-issue: Problem during payment process

1. In XX/XX/XXXX ; Discover Card gave me an option to setup a " Hardship Payment Plan '' with low interest rate on my closed account. I signed up and setup to make payment with " Auto Pay '' on the XXXX of each month ( An email confirmation is attached ). Since the account was closed and setup for Auto Pay ; I did not see a reason to monitor activities as I was XXXX outside the United States. 
Last week ; I received email from credit monitoring that my Discover account was reported " Late '' and my credit score dropped by XXXX points. I checked my account online and noticed that Discover stopped using " Auto Pay '' for payments in XX/XX/XXXX but never notified me about that. I contacted Discover but they were not able to answer my question and instead transferred me to several different departments. 
MY MORTGAGE REFINANCE APPLICATION HAS BEEN DENIED SINCE MY CREDIT SCORE DROPPED FROM XXXX TO BELOW XXXX. 

2. Again, I contacted Discover several times and they continued to provide incorrect and misleading information to me. 
I asked Discover the date when I signed up for the " Hardship payment Plan ''. Discover provided incorrect date over and over again and insisted that I signed up in XXXX and I was not setup for Auto Pay ; which is not true. I actually signed up in late ( XXXX ) XXXX with " Auto Pay '' from my bank account. 

I contacted Discover several times and they continued to provide incorrect and misleading information to me and I was not setup for Auto Pay. 


A similar complaint was filed with CFPB in XXXX of XXXX when account was in COVID-19 relief but Discover still charged Late Fees ; eventually they revered the Late Fees after receiving a copy of the complaint from CFPB.
Complaint sub-issue: Contacted me after I asked not to

the company is CCS XXXX BANK, XXXX PNC BANK HAS XXXX THESE PEOPLE MY PERSONAL INFORMATION STATING THAT I OWE A DEBT THAT I DO NOT HAVE A LOAN OR NEVER DID HAVE A LOAN WITH PNC BANK NOW XXXX ARE CALLING ME MAKING THREATS OVER THE PHONE FROM PNC BANK PNC BANK STILL XXXX ME MONEY,, THIS IS VERY ANNONYING AND MY PERSONAL INFORMATION HAS BEEN GIVEN TO THESE PEOPLE WITHOUT MY CONSENT,, THIS ABUSE OF THE PRIVACY ACT WHICH I AM DISSAPOINTED BY PNC BANK TO GIVE MY PERSONAL INFORMATION TO STRANGERS.. PLEASE HAVE THEM STOP
Complaint sub-issue: Frequent or repeated calls

They found my number from somewhere, and they constantly call making threats that they will show up at my work on XXXX XXXX or at my home. This can not be legal. Then they state I have been notified and just hang up before I can even say anything. I am disputing and I told them that. Yet, they still call and make threats to show up at my work or home.
Complaint sub-issue: Reporting company used your report improperly

In accordance to the Fair Reporting Act XXXX Account - 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 an account without my written instructions.
Complaint sub-issue: Account information incorrect

I recently checked my credit report and noticed some inaccurate items reporting to my credit report. 

The following inaccurate accounts are XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). 

Also there are a few inaccurate addresses as well.
Complaint sub-issue: Received bad information about your loan

XX/XX/2021 I spoke with XXXX XXXX representative about co-signer release. The representative verified that the loan meets the required payments ( 48 on time payments ). However, because they are being sold to XXXX, which is really NELNET, a big education loan holder, they will not take the application until the change takes place. 
The earliest I could apply for this is XX/XX/XXXX. The representative indicated that it would be just a matter of filling out the application. 

XX/XX/2021 I contacted XXXX the first week that I could inquire about the co-signer release form. Due to being backlogged from transitioning from XXXX XXXX, the XXXX representative stated that I would not hear back from them regarding my request for a co-signer release application until at least XXXX. 

XX/XX/2021 I received a letter from XXXX stating that I did not meet the requirements for the co-signer release application due to delinquent payments from almost a decade ago. This completely contradicts what I was told by the original lender, XXXX XXXX, and, due to a backlog, my request was backlogged and now void under the new rules of the new loan holder, XXXX.
Complaint sub-issue: Information belongs to someone else

Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the chargers listed. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Information belongs to someone else

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. Identity Theft XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Complaint sub-issue: Debt was paid

There was a debt of {$4900.00} from Citibank-Best Buy in XX/XX/XXXX. XXXX XXXX contacted me and setup a payment arrangement of an initial payment of {$1100.00} and {$200.00} per month in XX/XX/XXXX. These payments were automatically taken from my account from XX/XX/XXXX - XX/XX/XXXX.  The account was closed and no additional charges were made to the account. After these {$200.00} payments for 18 months my balance was still {$4500.00}. Citibank-Best Buy would not let me make payments to them and insisted on me working with XXXX XXXX. During this period my account was charged a monthly {$35.00} late fee, even though XXXX XXXX set up the terms of the payment. I have tried to contact XXXX XXXX and Citibank-Best Buy over the last 2 years with no success. There has not been any written or verbal communication as to why this has not been resolved. My last all to Citibank-Best Buy, the customer service rep just told me it was a valid balance with no explanation why that determination occurred. There is also no one at either XXXX XXXX or Citibank-Best Buy willing to review my dispute in detail with me and perform the appropriate investigation to status my account appropriately and remove the incorrect balance. The last time I contacted the Citibank-Best Buy customer service the representative made the following comments to me. " Everyone in the world knows how a credit card works '' and " This has been going on awhile, You just need to pay the balance ''. 

I have detailed and sent this dispute 3 times to Citibank-Best Buy and the Collection Agencies.
Complaint sub-issue: Having problems with customer service

My student loan was XXXX in 2010 according to the XXXX, in response to my request because of becoming XXXX, this according to letters received from the XXXX in response to inquiries from XXXX representatives XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. In my complaint against Nelnet was included an illegal double charge against my credit. In my attempts to speak directly to Nelnet, I was assured by them that they would drop the illegal double charges off of my credit but they never have even to this day. Nelnet went as far as to request in a recorded conversation with me, asking my permission to continue contacting me via my phone and email in an obvious attempt to continue harassing me. I have spent the last XXXX or more years paying higher auto insurance rates, paying higher deposits on rentals and being refused credit cards and have been adversely affected in my quality of living because of the illegal and harassing practices of Nelnet. This company is supposedly acting as a branch of the federal government but I read online that they are the biggest scam known in this XXXX I am demanding not only to have my credit cleared as I have written the XXXX major credit bureaus of Relent 's illegal activities but Nelnet continues their claims, but I also DEMAND to be reimbursed for the loss of quality of life in this case of this great scam practiced by Nelnet. I and my wife are both XXXX Americans and we continue to suffer a loss of quality of life because of this sickening company that for some reason is still being allowed to practice " business as usual '' in this country, no doubt because of crooks who run this country.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these inquiries. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Deposits and withdrawals

I received a Covid19 payment due to the pandemic we are experiencing ; I did a mobile deposit of my check, the check posted to my account ; however, the bank won't make my funds available stating that I and my husband need to come into the bank. I tried to explain that due to the pandemic, my husband age and his health condition, neither he nor I will be coming into the bank. The funds is guaranteed since they come directly from the president of the United States and the government it self, the funds have already cleared so why won't they release my funds so that I may take care of my business affairs. This is wrong, unfair, and plan inhumane! 
This care stimulus check was deposited on XX/XX/2020 I have called the bank on several occasion but to no avail.
Complaint sub-issue: Deposits and withdrawals

I opened an account with Citi on XXXX XXXX with a {$50000.00} ACH transfer from an account I hold with XXXX XXXX XXXX. On approximately XXXX XXXX, I attempted to write a check against the Citi account. Citi did not honor the check. I was referred to their anti-fraud department, which said that my account had been blocked because they had been " unable to verify '' my original {$50000.00} deposit. However, that deposit had been made more than three months ago, Citi has been holding my money the entire time, and Citi has never notified me of any problem.
Complaint sub-issue: Deposits and withdrawals

I recently opened a brand new account with the company online. Had two large deposits, one being a direct deposit of {$500.00} and the second being {$1500.00} check from my place of employment. Since I am a new customer my check was held for 7 days which was fine to me. But they completely blocked my account from any withdrawal or use of my card. I cant even access my funds that I deposited myself. After talking to multiple customer reps and branch employees no one can tell me why I still cant access my funds even after my check has been cleared and paid.
Complaint sub-issue: Problem during payment process

this is a follow-up complaint regarding XXXX. 
In Citibank 's response to complaint XXXX on XX/XX/2021, it said " Thank you for providing the requested electronic payment information for the {$9500.00} payment received on XX/XX/2021. We have verified the necessary information and the payment will be reapplied to your account. Please allow 5 business days for this adjustment to appear and your balance to be updated. '' Now today is XX/XX/2021 and it has definitely been more than 5 business days and still I DID NOT SEE the payment. It has NEVER been reapplied to my account. Citibank still OWES me {$9500.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I HAVE SENT SEVERAL COPIES OF A CANCELED DEBT FROM XXXX XXXX XXXX XXXX  SENT TO ME FROM THE IRS TO XXXX  CREDIT REPORTING AGENCY. THE COMPANY TELLS ME THEY HAVE NOT RECEIVED ANY OF THE LETTERS OR FAX COPIES I HAVE SENT THEM. THEY REFUSE TO REMOVE ACCOUNT BECAUSE IT'S BEEN INVESTIGATED SO MANY TIMES ALREADY AND REFUSE TO ACCEPT THE LETTER FROM THE IRS THAT IT WAS CANCELLED AND REMOVE FROM MY CREDIT REPORT. THEY WILL NOT SEND ME PROOF THAT I ASKED FOR THAT A REINVESTIGATION HAD BEEN DONE AND ONLY GO ON THE DISPUTES FROM 2018. I HAVE MADE SEVERAL ATTEMPTS THIS WEEK TO GET THROUGH TO THE CREDIT REPORTING AGENCY WITH NO HELP OR ACKNOWLEDGEMENT THEY HAVE AN UPDATE ON A PREVIOUS DISPUTE WITH EVIDENCE IN HAND.
Complaint sub-issue: Their investigation did not fix an error on your report

im filing this complaint because XXXX and Equifax are not holding up their end when investigating the inaccuracies on MY CREDIT REPORT. the account that I am needing removal or adjustment to is XXXX XXXX from XX/XX/XXXX. I have verification that XXXX XXXX was paid In full on XX/XX/XXXX so that means that EQUIFAX AND XXXX have not done their proper procedures to make sure this account is reporting CORRECTLY!!! they are definitely willfully and noncompliant and I need this account removed immediately or adjusted to a positive TRADELINE as it is showing NEGATIVE!! I have submitted the CFPB COMPLAINT FROM XXXX XXXX VERIFYING that XXXX AND EQUIFAX are not doing proper investigations
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 an account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

on XX/XX/22 @ XXXX ; XXXX i spoke to Equifax agent XXXX here she told me on XX/XX/22 a collection will be fall off my credit report. I decided to call back and request for it to fall off sooner and request acct deletion i called Equifax back on set date XXXX spoke to Agent XXXX where he put in a dispute for acct deletion before XX/XX/22 of Collections XXXX XXXX XXXX. 
Between XX/XX/22 and XX/XX/22 Equifax re added XXXX XXXX XXXX. I spoken to XXXX from XXXX XXXX XXXX where i was given permission to record conversation where XXXX stated they did not hit my report telling me Equifax must of done it. Equifax dropped my credit score XXXX points as of today XX/XX/22 i believe Equifax is harassing bully me by XXXX my credit.