Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

On XX/XX/2018 at XXXX XXXX  I spoke with a representative from XXXX regarding a chapter XXXX bankruptcy that was placed on my credit report on XX/XX/2018. The representative stated that the bankruptcy was verified through the bankruptcy court. I also have a phone recording with her stating so. I also contacted the United States Bankruptcy courts myself an inquired about the procedure on verifying information with the credit bureaus. I was told in writing that the Bankruptcy courts do not verify information with the credit reporting agencies. They have unethically lied to me and tarnished my recently good credit.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I currently have two credit cards with XXXX XXXX, I'm monitoring my credit reports and noticed that XXXX XXXX is failing to report one of my credit cards to equifax. XXXX  XXXX is reporting both cards to XXXX and XXXX, but my equifax report is suffering due to the lack of credit history associated with that other credit card. I tried resolving this with them directly to no avail.
Complaint sub-issue: Was not notified of investigation status or results

I disputed a fraudulent inquiry on my credit report on Equifax, which ended up being rejected. Then I submitted another complaint, in which Equifax said they looked into the matter and it was yet again rejected. This was about a fraudulent XXXX XXXX inquiry on XX/XX/XXXX on my credit report. XXXX XXXX  has confirmed that it was in fact fraudulent and they send me a letter confirming that they have reported the fraudulent activity to all 3 credit bureaus. Equifax did not remove the inquiry. I submitted a complaint on the CFPB. on XX/XX/XXXX, Equifax responded that a letter was sent to my address with their response. I have not received the decision to their " investigation '' and would like one as soon as possible. Both XXXX   and XXXX  have removed the fraudulent inquiry because XXXX XXXX has informed them. I called Equifax and everyone literally hangs up on me. I don't know what else to do but to go to a small claims court. These complaints are my documentation that I have done my due diligence and have given Equifax ample time to respond to my dispute. I have a letter from XXXX XXXX that was sent to me attached, indicating that they have investigated the fraudulent inquiry and have informed the credit reporting agencies of the matter.
Complaint sub-issue: Threatened or suggested your credit would be damaged

the company is called Ar Resources, and they have reported 3 separate accounts to all 3 credit agencies. the first was reported XXXX XXXX, XXXX for {$680.00}. The second was reported XXXX XXXX, XXXX for {$1400.00}, and the third was input XXXX XXXX, XXXX for {$710.00}. I have demanded that they send me proof with my signature that i opened these accounts, as per section 609 of the fair credit reporting act, but they have yet to do so. These need to be deleted from XXXX, XXXX and XXXX immediately since the company failed to provide me with signed proof that these are my accounts
Complaint sub-issue: Was not notified of investigation status or results

Never gave this consumer reporting agency EQUIFAX any written consent to report anything to my consumer report which is a violation of FCRA. Pursuant to 15 USC 1692 ( a ) this an invasion of my privacy by reporting things to my consumer report without written consent.
Complaint sub-issue: Debt is not yours

I was sent a letter from I.C. System Inc claiming that I have a debt with XXXX XXXX, a company I have no history with, to the tune of {$6000.00}. I have disputed this claim as I have no idea where it possibly came from. Disputing the claim online involves giving them your social security number and other personal information which feels predatory given the situation.
Complaint sub-issue: Account status incorrect

The list of information and inquiries was reporting inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that informations are constantly reporting and causes negative impact on my credit. Therefore, Equifax Bureau did not take any action to remove the incorrect information and inquiries listed below : Inquiries XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX  Date of Inquiry XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

To Whom It May Concern : I did not authorize Progressive Management System to access my medical records I never signed a hippa form. They violated my hippa rights. remove this immediately from my credit report.
Complaint sub-issue: Information belongs to someone else

Recently, I conducted an investigation on my credit report which caused severe XXXX upon me as I found unverifiable, invalidated, inaccurate, and questionable items that the agency ( Equifax ) did not make sure was reporting 100 % correct. Under 15 U.S Code 1681e ( b ) ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The item that is listed inaccurate on my Equifax consumer report is a collection account : XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/2019 {$4800.00}. This is a apartment community in which I have never lived at this address. During this time, I owned a home at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX which is listed on my consumer report from XXXX. 

As a result, this collection is negatively impacting my credit score and hindering me from obtain financing.
Complaint sub-issue: Information belongs to someone else

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NC XXXX For XXXX/Equifax/ XXXX & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. There have been accounts and services established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I am a senior, XXXX  years old. 
You have stated to me that I am not the person submitting this information. You are wrong. I am able to read, write and speak ENGLISH better than you. I suggest you do your job and fix my report and remove these invalid entries. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX ACCT : XXXX AMT  : {$59.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$620.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$75.00} XXXX. XXXX XXXX XXXX ACCT : XXXX AMT : {$59.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$2300.00} You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that they have never lived. The only address in XXXX that I have ever lived at is XXXX XXXX XXXX. 

The below addresses need to be removed from my reports immediately! 
XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax   and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question.

Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 2020
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2022, I sent a letter to the US Bankruptcy Court of Arizona asking do they report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information2 on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times : The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions According to : 15 U.S.C. 1681s-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: Reporting company used your report improperly

I the consumer XXXX XXXX have unauthorized inquires and an account present on my consumer report that originated from identity theft. 15 usc 1681 ( c ) -2 states that consumer reporting agencies have to block and remove inquiries related to identity theft. Unauthorized inquiries and account are as followed. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX/XXXX  XXXX
Complaint sub-issue: Problem with fees

I have two Citibank credit cards linked to Costco but usable at other businesses as well. I use one of the cards all of the time and typically do not use the other. I also opened a Costco member credit account for the installation of a new furnace in XX/XX/XXXX. After installing the furnace I started to get monthly robotic calls telling me to go online and check my account. When I went online the only account showing was the card I used. I thought the calls were generated to remind me of the upcoming payment date for the furnace installation. On XX/XX/XXXX I received a personal phone call from a female person who said she was with Citibank. She was asking for personal information which I told her I would not provide until I knew what this call was about. She wouldnt tell me so I told her I did not know why she was calling as I do not want or need more credit, I do not have any past due bills and so I can not think of why she is calling. I told her if she wouldnt tell me what the call was about I was going to hang up and I did.Later I received another call and was able to determine that they were calling due to a 6 month past due bill on the card that I dont use. Through the course of 6 phone calls and over two hours of conversation I found out there were two charges made as follows ; XX/XX/XXXX for gas at Costco {$31.00} and XX/XX/XXXX for a Costco in store purchase of {$100.00}. 
I keep receipts and statements and was able to find a receipt for {$1000.00} but not for the gas purchase although I probably made the purchase. The only bill I had from Citibank for this account was from XX/XX/XXXX where I paid off the existing balance. I was advised that I owed {$360.00} due to finance charges and fees. I told them I would not pay the fees or finance charges as I had no way of even knowing a payment was due. I did not receive a bill, this account did not show up on line and I did not receive any email notification. So how would I know a payment was due. I told the representatives ( I had to tell multiple people the same thing over and over ) that I never got a bill so I didnt know a payment was due. I asked over and over for the call to be escalated to higher level and was told I could get a call back in two days. I resisted having to wait two days but told them to proceed. In the last call I made a telephone payment for the charge amount of {$100.00}. At this time I am concerned that they will continue to add fees while I try to get these unfair fees removed. 
They did not let me know I owed anything as I never got a bill. They directed me to a site where this account didnt show. They refused to rectify the problem when I pointed out the facts over and over again to multiple people. I believe this is an unfair practice to steal money from customers under the threat of damaging your credit. My record for payment is excellent I had paid thousands of dollars to them on my other two accounts where I receive bills.
Complaint sub-issue: Debt is not yours

This is not my debt, the belongs to my spouse and no correspondence was mailed to the owner of the debt.
Complaint sub-issue: Billing problem

My husband and I received and auto loan from CarMax Auto Financing to pay for a portion of vehicle that was purchased through CarMax. Before purchasing the car we asked questions about the auto loan including if there are prepayment penalties and how to make additional principal payments to our loan. We were told to just include the additional amount into the payment we send it and it will be applied to principal, or to write a separate check designating it as principal payment and it will be applied to principal. For our very first I sent in one check for the full bill amount. I sent in a second check for the principal payment amount noting principal payment on the memo line of the check. The payment was not applied to principal. It was used to pre-pay our next payment. I called to have this corrected and was told that I was wrong, and that is just how it works. I was told that it will reduce the principal by reducing the next payment. I shared that this is not how principal payments should be applied and this is not appropriate. After spending ample amounts of time on the phone with them, management and accounting department they were able to re-allocate the amount to principal for this one payment, but the statements and information online are still not fully accurate, though the do total to the correct numbers. I asked how I can ensure that it is allocated correctly in the future, and was told that any time a principal payment was made I would have to call in and ask for it be changed. I asked for any other option that may be available, and they would not provide me with one. I asked for a direct line and they would not provide me with one. I asked for any additional assistance to help my principal payments be applied as designated and they demanded that I needed to call every time. I plan to make an additional principal payment each month and spending nearly an hour on the phone each time is intentionally having a barrier in place to prevent people from doing this, and unmorally keeping customers funds in their pockets. Additionally I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and talking on the phone is challenging for me. To have a process that required people to call and speak with someone is XXXX to those who are XXXX XXXX XXXX because of the desperate impact for those who are XXXX XXXX
Complaint sub-issue: Account information incorrect

Equifax, XXXX and XXXX have all failed to update my XXXX XXXX XXXX XXXXXXXX XXXX  credit card account monthly as required by law under the Fair Credit Reporting Act. This gross negligence on behalf the three major credit bureaus has adversely impacted my credit score and my financial health.
Complaint sub-issue: Information is missing that should be on the report

On XX/XX/2019 Me and my wife opened a mortgage account together. XXXX the loan servicer was originally reporting the loan twice on my personal credit report with Equifax. As XXXX and as XXXX, this was disputed due to the credit report showing two loans for the same mortgage, effecting my debt to income ratio. Which violated my rights as a consumer and the FCRA. This resulted in both loans being removed from my credit report. Now information that should be reporting is not reporting. XXXX should be reporting to my equifax credit report with the accurate loan information. Accurate information is now missing.
Complaint sub-issue: Reporting company used your report improperly

Equifax negligently handled my personal data. According to Equifax, I have been effected by the recent breach of data. The company did not take proper precautions to my name, dob, ssn, address and drivers license information. 

It is not possible for this to be undone. My information is out there and I will be at risk for have my identity stolen from now on. 

I have put a freeze on my credit information in an effort to protect myself. Nothing has been done my Equifax to resolve this information.
Complaint sub-issue: Transaction was not authorized

My mortgage company : Equity Prime Mortgage bounced a {$40000.00} check in my XXXX XXXX Account on XX/XX/2021. They advised that the original check issued from my insurance company : XXXX XXXX XXXX XXXX was not endorsed properly and was returned in THEIR bank. On XX/XX/XXXX, I resent the mortgage company a new check from the insurance company that cleared! Last Friday, the mortgage company released ONLY A {$10000.00} check as part of my claim!!! I need the full {$40000.00} reissued to rectify the overdraft, fees, and restrictions on my bank account. Its been 2 months!
Complaint sub-issue: Problem with customer service

XXXX XXXX  XXXX XXXX XXXXXXXX servicing unit should of notified Fedloan servicing that my XXXX discharge was approved. Therefore, the two loans under account number XXXX XXXX XXXX should be transferred to XXXX and reported as a XXXX balance with major credit reporting agencies.
Complaint sub-issue: Funds not received from closed account

Citibank informed me that they were closing my two savings accounts on XX/XX/XXXX. One savings account had over XXXX in it and the other has roughly {$500.00}. I was told the process can take 30-60 days. I followed up with them again on XX/XX/XXXX, they were not able to give me any additional information. On XX/XX/XXXX ( today ) I was informed that the smaller of the two accounts was officially closed on XX/XX/XXXX, funds no longer in the account but could not confirm if a check was mailed. I confirmed they had the correct mailing address but I still have not received the check. She informed me that the larger account was still locked with my funds in there but has not been closed. No further information given. This is my second complaint and o am concerned where the funds from the smaller account have gone and why the larger account isnt been closed. They are holding onto my money. I am currently trying to buy a home which is now impossible because I dont have access to my money.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

This complaint is regarding Flagship Credit Acceptance. In XX/XX/XXXX we had our XXXX year old daughter XXXX XXXX from a XXXX XXXX, in XX/XX/XXXX we had our oldest daughter XXXX years old go to sleep and and not wake up, died from XXXX   XXXX XXXX. This year in XXXX we had our XXXX year old grandson XXXX XXXX on the basketball court from a XXXX. We have buried XXXX children in the last 14 years. We asked that Flagship put a payment to the back of our loan so that we could bury our daughter who had no insurance. Flagship said they would and did not when we found out until the next month that they didn't do what they said they were going to do. It took Flagship 2months to do the paperwork, when it finally made the payment now they showed me 30 late. Due to the other deaths in our family we have asked them to do the same thing and again got the same results. We are caught up, but not 30 days late around 25 days late. Every week for the last two months I have been getting several phone calls per week, but yesterday XX/XX/XXXX I received 7 phone calls from flagship including a call at XXXX XXXX. This to me is harassment and I want it to STOP.
Complaint sub-issue: Personal information incorrect

Not all the information is correct on the XXXX credit reporting agencies such as name, numbers, addresses, and debts. I try to contact the credit agencies through phone or websites and have trouble connecting with any of them.
Complaint sub-issue: Account information incorrect

The credit bureaus are reporting XXXX in Collections with a balance of XXXX.
Complaint sub-issue: Don't agree with the fees charged

I received student loans subsidized and unsubsidized and consolidated them and started to repay the loans in XXXX. 

I have requested that Nelnet send me an amortization schedule and have not yet received this information. There is no consistent amount applied to interest or principle. My original loan after consolidation fee was {$30000.00}. As of XX/XX/XXXX I have paid {$24000.00} of that payment {$16000.00} was applied to interest and {$7000.00} has been applied to principle. My current principal balance is {$33000.00} which is {$2400.00} more than my original loan balance. 

When I call and ask about the fact that my principal has never been lowered. They tell me that it is because my loan has been put in forbearances multiple times. When I asked to see documentation of why this happened ; I was told this was a verbal agreement. I disagree with this because I have not asked for forbearances and feel like this is just an excuse to increase interest rates and capitalize interest. 

I feel like Nelnet is using fraudulent lending techniques to increase loan balances by capitalizing interest.