Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information ( as well as the information of millions of others ) which has led to a breach that puts my personal banking information at risk for the foreseeable future. They chose not to inform me of this ( and still have n't as of this complaint ) for over a month after they became aware of the breach. As far as I can tell, the only recourse they are offering forces me to simultaneously forfeit my right to legal action against them for their negligence. Considering I have never even personally requested their services, it seems ridiculous that I am simultaneously expected to take all the proactive measures to protect myself from their negligence.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX. File # 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 status

They charged off my account. I never missed a payment, so how can this be? They told me they charged off my account, because bank did a return check for speculation of fraud. These people who work at the bank, are liars! I needed this deleted off my reports.
Complaint sub-issue: Attempted to collect wrong amount

In XXXX I acquired an unsecured loan from Citibank AKA CBNA Due to unforeseen reasons I was unable to pay on the loan, In XXXX Citibank opted to and wrote off the debt and sent me a XXXX cancellation of debt for the amount of XXXX I reported that year as income and paid taxes on that amount. 
Started early in XXXX. several of us have been asking Citibank to report the account as Written off and zero Balance and for more than 8 months Citi have refused to do so, I have made over XXXX calls each call lasting 20 to 60 minutes each, I been given XXXX different fax # 's to forward information and I never spoke to the same person twice and each person would give me different and wrong information. 

Our most recent request is very simple, that they remove the dispute comment at all XXXX credit reporting agencies, and they are refusing to do so I am at the 12 hour with a mortgage to close on my home and this is my only detail that is holding the closing XXXX guidelines are, that no disputes can be on my credit report, Citibank refusal to first report correctly and at minimum remove the dispute comment is holding us hostage We need immediate action brought against Citibank to do what is right and report to the XXXX credit Bureau the correct information within 24 to 48 hours
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have several Hard Inquires from Credit Card Companies that I do not recognize. I called the Credit card company 's and they told me to call XXXX. I called XXXX and they had me on hold for a long time then they told me to contact the credit card company 's. I am tired of the run around and I want some action done to take these inquires off of my report. ALL of THEM!!
Complaint sub-issue: Information belongs to someone else

x 1 : ATTN Fraud Department : Remove fraudulent accounts from my credit report.
Complaint sub-issue: Account information incorrect

U S Dept of ED - Acct # XXXX U S Dept of ED - Acct # XXXX Both U S Dept of Ed are reporting the following : Open Date XX/XX/XXXX | Report Date XX/XX/XXXX | Reporting Student Loans in Collection. 
Accounts are paid, XXXX balance, and XXXX past due. Accounts are not in Collection Status. 

Originator Creditor XXXX Acct # XXXX - Limit/HC {$2600.00} Account Transferred - Open Date XX/XX/XXXX. Loans Closed XX/XX/XXXX. XXXX XXXX, XXXX XXXX due. Report Date XX/XX/XXXX. 

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Complaint sub-issue: Debt is not yours

I would like to sign a complaint against XXXX  phone company. XXXX has reported on XX/XX/2020 that I owe the company {$1900.00} and that is not true I do not know who ordered this phone I have reached out to XXXX XXXX  & ERA Collection agency and they have made it clear that this problem is in collections now and need to be paid in full I have tried to explain that I have never Used this service before and I would like a full investigation if possible.
Complaint sub-issue: Need information about my balance/terms

****This is An Attempt to Renegotiate Federal Student Loan Debt***** Currently, I am in Chapter XXXX Bankruptcy in the XXXX District of North Carolina - XXXX. While presently none of my Chapter XXXX payments are being sent to the Nelnet, the servicer for my XXXX XXXX Loans, the interest keeps accruing. Currently, my loans are in deferment because of the Chapter XXXX case. Also, I am currently on the PAYE repayment plan for my student loans. I have attempted to see what my current balance is, but because of my Bankruptcy case, Nelnet has block me from accessing my account online. 

I am requesting relief from outstanding interest. I would the interest forgiven/cancelled and have my interest rate set to zero percent. In effect, I would only be repaying principal balances, not interest on top of interest. 

Fact is, I have several medical condition including XXXX, which has limited my career options and has been an impediment to advance in my field. While, I hold a XXXX in my field, because of my XXXX, I will likely never be advanced to an XXXX level or XXXX level position because they both require the ability to XXXX. In fact, I am unable to obtain a higher paying management position in my field because of my XXXX. Fact is, hiring managers are prejudicial towards people who stutter. Right or wrong, that is the way our society perceives people who XXXX like me. If need be, I can provide letters from medical professionals and XXXX who can attest to the career and financial challenges that somebody who XXXX experiences. 
On the legal side, my ex-wife consistently engages in family court litigation with me because she does not like sharing custody of our XXXX year-old daughter. She has engaged in acts of parental alienation and consistently makes an effort to drain what little money I do have for a lawyer to fend her off in family court litigation. 

Again, to surmise, I am requesting relief from outstanding interest. I would the interest forgiven/cancelled and have my interest rate set to zero percent. In effect, I would only be repaying principal balances, not interest on top of interest.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been having lots of issues with EQUIFAX. First off they moved my file to the office of consumer affairs and blocked my online access to my credit report!!! I am a paying member of there credit watch SVC. They contiune to charge me even though i can not use it. I have called and sent in documents asking this to be cancelled and me not contiune to be billed. They are still chargeing me 3 months later!!! Call center overseas dose not seem to address this issue at all. Equifax needs to stop charging me and refund me for the past 3 months that they charged me for something i could not use!!!!
Complaint sub-issue: Information belongs to someone else

What happened? the credit bureaus 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. the credit bureaus 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 black 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 black 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. The credit bureaus 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. PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809
Complaint sub-issue: Information belongs to someone else

Since my identity has been compromised years and months ago, i discovered accounts reporting on my credit file inwhich i have absolutely any knowledge of and if you can not provide me with any physical documentation then I'm I'm demanding that these accounts be removed and blocked from my credit file immediately. 

1 ) XXXX XXXX {$1700.00} 2 ) XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Upon checking my credit report, I see that Discover Bank claims I had a personal loan with them ... .which is COMPLETELY untrue. 

My credit report does not even reflect the address I have lived at for over 10 years so there is NO WAY this account is mine. 

I have gone back and forth with Discover and they have done NOTHING to fix this. I just get a message if they tell me to wait for a call from their Executive office and noone has EVER called. 

The number they gave me is XXXX But I have yet to reach anyone. 

If this account is going to be reported, I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If they can not provide me with this information, I request they please remove the accounts.
Complaint sub-issue: Information belongs to someone else

Decided to make a big move in buy my first home. I knew I wanted to go into a first time home owners program, due to them being able to help you financially. As I was sitting with my mentor she said my credit needed to be pulled. I knew I had good credit so I was not worried about that being the first step. Out of surprise a big list of accounts I have never seen or heard in my life showed up. Those fraudulent accounts do not belong to me. Please remove these things from my report.
Complaint sub-issue: Information belongs to someone else

When I opened my credit report to check my credit score I was shocked. You posting wrong information. It was never belong to me. Why you put it on my name. Im responsible person and I dont like to see it on my credit report. Im sure that some person hacked my profile and get my personal information!
Complaint sub-issue: Information belongs to someone else

Disputed many times company will not provide documents to prove account belongs to me but still reports negative on all credit reports which has ruined my credit.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

A method of verification letter was mailed USPS, First Class, Certified Mail ( XXXX ) to LexisNexis on XX/XX/2021 and was not responded to. LexisNexis is in violation pursuant to FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The credit bureau must give me the method of verification information within 15 days of my request.
Complaint sub-issue: Reporting company used your report improperly

n 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 -Account Number XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX -Account Number XXXX XXXX XXXX - Account NumberXXXX XXXXXXXX -Account Number XXXX XXXX XXXX
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Used Wisely pay card on XX/XX/22 at XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX XXXX ) atm to withdraw cash ( {$500.00} ). Cash was not dispensed, ATM showed cash is not available after transaction was completed. Receipt was given and amount debited from card. XXXX XXXX XXXX claims atm on property is not managed by the bank. Claim was filed with card company ( Wisely Pay Card ) on XX/XX/22. Cash has not been recovered to this date. Response from Wisely Card stating that it is under investigation. XX/XX/22
Complaint sub-issue: Trouble with how payments are handled

Hello, I saw a news article XXXX I never knew about your agency for filing complaints. I got the runaround dealing with my student loans and thought you should know how extensive the practice of cheating borrowers is/was. 
XXXX Sent : Friday, XX/XX/2013 XXXX Subject : NelNet email sent via NelNet web site My loan was paid off in full. In fact, NelNet owes me a refund of MORE THAN {$750.00} dollars which was sent to NelNet by the prior loan servicer, after the loan was transferred because the prior loan servicer did not apply my payment to the correct loan. I just found out today that although my loan is fully paid off, that NelNet took $ $ from my checking account on XX/XX/2013 in the amount ot {$86.00} causing me to have returned check fees and unpaid checks that I had proper funds to pay before NelNet took money they were not authorized to take. What is going on??? I want my refund, and I want a letter to explain to my bank so my return check fees can be adjusted accordingly. 
XXXX Complaint lodged with Ombudsman for Federal Student Aid XX/XX/2013 My loan servicer used to be XXXX. I sent {$2000.00} to pay off loan XXXX and instead they paid off loan XXXX and wrote REFUND DUE since the {$2000.00} way exceeded the amount left on that loan. Then, I called them to request they apply it to the correct loan. They said that they would, and instead TRANSFERRED the loan to Nelnet. After they transferred the loan, at the WRONG interest rate, they verbally informed me that they sent the REFUND DUE amount of {$750.00} to Nelnet. Nelnet claims they have not received it. I paid off the complete balance that Nelnet claimed in full and total. So, although they still owe me money back, Nelnet took an automated payment out of my personal checking account in the amount of {$86.00} on XX/XX/2013 causing bounced checks and return check fees. ( ACH Transaction - DEPT EDUCATION STUDENT LN {$86.00} ) My account is way overpaid and they 're still taking funds? I have contacted Nelnet on more than one occasion to no avail. Please assist me in clearing up this matter. 

Thank you. Your request has been received by the Ombudsman officeXXXX XXXX
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX, account # XXXX is showing 1- 30 days late payment. I made my payment on time and has never been late! I submitted a dispute and the agencies havent responded and its been 30 days. I contacted XXXX and they verified that I wasnt late and that the bureaus havent contacted them. They advised me to contact the bureaus to have them contact the credit union to get it corrected!
Complaint sub-issue: Public record information inaccurate

My bank, XXXX/XXXX, pulled a credit report from XXXX. On it were records from the three known agencies ( XXXX, XXXX, and XXXX ), which I monitor faithfully. It also included, however, a report from Lexis/Nexis ( I had no idea they were in this business. It contained incorrect public information ( a tax lien ) which I had removed from the other three sites. Lexis/Nexis provides no way to get your report online, nor to challenge online. It is all done via phone and mail, and the process is very opaque. You need to click through several screens to even get to some semblance of help. My bank is trying, with XXXX, to fix the problem. For consumers this is a nightmare. My guess is that 99.9 % of consumers have no idea that there are other " agencies '' reporting and monitoring their credit. 

I contacted Lexis/Nexis on XX/XX/19. The resolution will take up to 30 days and I had to push to get them to explain their process. I also sent them the page from my county collector ( XXXX County, IL ) to verify that there is no public record.
Complaint sub-issue: Didn't receive services that were advertised

Hello, I am writing to share my experience with Equifax since they announced the breach of millions of consumer 's personal information. Equifax established a partnership with a company called TrustedID. The websites for Equifax and TrustedID are constantly down. The TrustedID website looks like a high school student designed it, which does not instill confidence and looks like the company is putting zero effort into resolving this for consumers. 

Today, I received a text message from Equifax/ TrustedID saying their was an issue on my credit report and I should call the number provided. I have been on hold for 45 minutes with no indication as to when my call will be answered. The website provides no information as to what is going on. 

I know numerous people who are affected by this but who wo n't file a complaint. Please know that Equifax 's entire response to this breach has been pathetic and all consequences have fallen to the consumers they let down. They are providing a year of identity theft protection for a lifetime problem, and to make matters worse, they used a program that is not easy to use, never loads, and with a phone number no one answers. 

Please hold them accountable. Thank you.
Complaint sub-issue: Information belongs to someone else

I have repeatedly requested Equifax remove these inquiries. Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 
These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. 
I found I was not the one who authorized these inquiries, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am in error, then please send me proof of this.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX. OF XXXX, Account # xxxxxxx XXXX XXXX XXXX XXXX XXXX. It has been showing up on my credit report over 11 years! 

Account # xxxxxx XXXXXXXX XXXX XXXXXXXX XXXX XXXX 

Account # # # # # # # XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX Account # # # # # # XXXX XXXX, XXXX ( XXXX XXXX XXXX Account # # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX 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: Didn't receive notice of right to dispute

I recently checked my credit report and noticed a collection account from Enhanced Recovery Company. I have no knowledge of this debt and never received a notice of right to dispute. I did send a dispute letter as soon as I was made aware of the account. I have note received a response from the company.
In the letter I am asking for proof of ownership of this debt and proof bearing my signature or contract with ERC. I do not want bills sent to me but tangible proof that would be upheld per my rights under the fair debt act.
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached out on numerous occasions to fix these issues. I have alerted the bureau that fraudulent accounts exist on my report and have went as far as filing an FTC complaint and yet still they have left accounts on.
Complaint sub-issue: Their investigation did not fix an error on your report

this issue concerns all three reporting credit bureaus I firm believer that the credit bureaus share information not only about your credit history and behavior but also about your race. beginning back in XX/XX/XXXX I began to rebuild and repair my credit I have worked very hard at this and I have been able to break XXXX on my credit score. as soon as I get as high as XXXX or XXXX one of the three credit bureaus will place something on my credit report that drives my score back to the XXXX to XXXX range and 9 times out of 10 it is in accurate or being reported incorrectly example one of the three will take inserts from my bankruptcy filed in XX/XX/XXXX put on credit report XXXX just happen put XXXX XXXX on as charge off late 90 days + they did correct it after I contacted them. but this hurt my score but this the type of issues that I have to keep dealing with. I feel that this is very unfair treatment and design to keep your credit score from breaking that XXXX score as a small XXXX XXXX this practice greatly inhibits my ability to grow I can not obtain line of credit that I need to move forward. and I have lost out on opportunity 's that come my way I pray to god that can be fixed and this behavior by three reporting agency addressed and fixed.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting Act, Everything has to be XXXX XXXX accurate on my credit report. 

The credit burruea stated my account was properly investigated, but how is that possible If the open date isn't accurute The date last active isnt accurate. And the date last reported is inaccurate. That is grounds for removal. 

They violated my rights under the XXXX XXXX. XXXXXXXX XXXX XXXX XXXX states I have right to privacy. 
XXXX XXXX XXXX XXXX  XXXX also states that XXXX report agencies can not furnish my account without my permission. 

They also violated my XXXX rights. 
I had no knowledge or consent of my medical info being disclosed.