Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Need information about my balance/terms

I attended XXXX XXXX in XXXX, Ca and had private student loans through Genesis Lending Services ( that have now been taken over by XXXX ). I want to verify if my loans should have been a part of the settlement made in XXXX 2015.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed inaccurate information on my credit report with XXXX. XXXX responded and claimed they had investigated the information and verified the information was accurate? They advised me to contact the reporting company directly, which I did. The company in question is XXXX XXXX XXXX. I spoke with billing department supervisor XXXX XXXX on XXXX/XXXX/XXXX, and was advised that they have NO record of EVER speaking to anyone at XXXX regarding my account. Furthermore after reviewing my account the supervisor advised me the amount owe is not what the three major credit reporting companies are reporting. I asked for documentation to show them that they are reporting false information and the supervisor walked me through on how to get my statement online, ( I will be attaching that with this complaint ). XXXX never investigated so it 's clear they are willfully reporting false information on my report. XXXX claims I have a balance with XXXX for {$11000.00}. My account statement will show that 's incorrect.
Complaint sub-issue: Account information incorrect

I disputed an account with Equifax because the balance wasn't updated after I settled it and they updated the balance correctly, however, in doing that, the Date of first Delinquency was changed to the date it was charged off and not the date of first delinquency on the account. I tried calling Equifax to update it correctly based on what was on my credit report and pointed out that the first 30 day late was in XXXX or XXXX and not the date it was charged off which was XXXX. They told me to contact the company who was reporting it and I did but they would not help me at all. This is an auto account that was charged off which should come off in XXXX or XXXX of this year. Equifax will not help me or the company so I found your info and was hoping you can help me get this straight. Thank you
Complaint sub-issue: No notice of investigation status/result

Equifax reporting agency had failed ( numerous times ) to correct information on my credit report despite the fact that I had submitted supporting documents substantiating my claim recently and in the past FOUR years. Upon my requests to provide me with details of their investigation, source of their investigation and/or any documents pertaining to their decision not to change incorrect information containing therein or to adjust my credit score ... I get negative response and refusal to do so. 
Having incorrect information on my file affects my credit score, causing denial of credit and employment ... thus negatively impacting my life. 
I respectfully request your assistance in resolving said issue. 
Sincerely, XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello I dont know exactly how it happened but my credit report dropped almost XXXX points as of this month as the Equifax data breach happened and I cant find out why it happened from the company. Please help me put a fraud alert on the company.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hi, I do not remember for applying Credit from following 1st and 2nd company. 
I request you to pls remove off from my credit report. 
1 ) XXXX XXXX XXXX : Inquiry Date : XXXX XXXX National Credit card Cos. 

2 ) Discover Bank Inquiry Date : XXXX XXXX & XXXX National Credit card Cos. 


and I have closed everything form XXXX XXXX XXXX. I have nothing with XXXX XXXX XXXX. 

3 ) XXXX XXXX XXXX XXXX XXXX. 
Inquiry Date : XXXX XXXX Telephone Companies
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute in regard to the incorrect data on my credit report. It has been well over 30 days and I have not received any investigation results
Complaint sub-issue: Reporting company used your report improperly

In accordance to the Fair Credit Reporting act XXXX account XXXX XXXX acct # XXXX, XXXX XXXX  acct XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, original creditor monthly payment acct # XXXX, XXXX acct # XXXX 120 day late payment, XXXX XXXX XXXX XXXX 30 and 60 day late payment have 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 written instructions.
Complaint sub-issue: Public record

I have a judgement that has been paid and satisfied since XXXX, 2014 and is still showing as unsatisfied. I have tried to contact the company and left a XXXX messages with no response.
Complaint sub-issue: Public record information inaccurate

On XX/XX/2022 I mailed a letter to Equifax, XXXX, XXXX stating the below actions that needs to be taken and i did not receive a reply. 

To someone who can assist me. I am deeply disturbed about the erroneous things that i see on my credit report. These accounts are unverifiable, invalidated, inaccurate and questionable. These items must be removed if the information being reported is not 100 % accurate. Please find out why these inaccurate information is being reported on my credit report and find out who the inaccurate information belongs to. Can you correct this wrong doing immediately. It is my understanding that you will do an investigation immediately. I am requesting a new credit report that reflects the updated changes. You must complete this investigation within 30 days of receipt of this letter. According to law, unverifiable inaccurate accounts must be removed and if unable to provide me a copy of verifiable proof within 15 days after investigation, you must remove the accounts and or the information listed below. 

1. Under The Fair Credit Reporting Act This Disputed Item May Not Appear On My Credit Report If It Can not Be Supported By Any Documents/Evidence. 

XXXX Case Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Old information reappears or never goes away

Aging account by fraudulently reporting the wrong open date for this debt. 

Account Name Original Creditor Citibank Citibank XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

XXXX XXXX transferred my Student Loans to XXXX in XX/XX/2022. I noticed on my credit in XXXX that XXXX continues to show my loan as open/active with over a $ XXXX balance. I now have TWO student loans balances owed ( XXXX ) on my credit report!! I contacted XXXX and they would not speak to me and the recording said for me to contact XXXX. I contacted XXXX and they said I had to dispute my credit report. 

I disputed both Equifax and XXXX and both results came back as account active and will not remove close/remove XXXX from my account. I have since been denied credit as a result of this exorbitant loan balance and my debt to income ratio has been impacted.
Complaint sub-issue: Account information incorrect

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX  # XXXX
Complaint sub-issue: Account status incorrect

This company forced me into a verification process that lasted months, during which time I was unable to update my banking information to make payments. The have no phone system and they never responded to emails. Then I suddenly receive a settlement offer, which I accepted and paid but they dont report it to credit agencies, theyve saddled me with a bunch of missed payments, which I could do absolutely nothing to remedy and they did not provide me a copy of the settlement either electronically or by mail. An immediate investigation needs to be launched on this company and its unfair and seemingly illegal practices.
Complaint sub-issue: Information belongs to someone else

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$1400.00} ; XXXX  XXXX Balance : {$37.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$590.00}
Complaint sub-issue: Trouble with how payments are handled

I attempted to pay off my loan on XXXX/XXXX/2016. I received an email XXXX/XXXX/2016 that the bank was unable to find the account and my payment had not been processed. I called American Education Services to resolve the issue on XXXX/XXXX/2016. I was told although i had been paying for my loan for years with XXXX account, they had tried to charge an old bank account and that was why it did not process. After being on hold for thirty five minutes, I was told there was nothing they could do I would just have to wait for their system to clear the incorrect payment. I was told this could take a couple of days which at this point would add ten days of interest. The representative said it was " only a dollar or so and it was not that big of a deal. '' I think it is wrong that I paid the loan off on XXXX/XXXX/16 and can still be charged over a week of interest for a systematic error on their behalf. Putting the bank error aside, I tried to pay the loan off today over the phone and AES would not take my payment. I do not understand how i could be charged additional interest following today 's date because I tried to make the payment today and they would n't take it. Yes it may only be another XXXX cents, but this is completely unethical. I refuse to believe it is lawful for them to refuse a payment and then charge me interest until they feel like taking my payment? Please help me.
Complaint sub-issue: Information belongs to someone else

XXXX  had 3 different accounts under my name at 3 different addresses which i never opened. they have sold the debt to AFNI XXXX and keeps appearing on my Credit report.
Complaint sub-issue: Public record

Equifax is reporting a judgment on my credit file and it is not mine. And to top it all the date is incorrect. They have the date at XX/XX/XXXX and then in XXXX when I disputed this they changed the date on XXXX XXXX to XX/XX/XXXX and then it just got changed back to XX/XX/XXXX. It is unverifiable and they have not verified this as I requested for the past 3 months. So I am asking to have it removed per the FCRA and they wont. This is not fair that they can do this.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The information being reported for this account is completely incorrect, so how could you have verified it? You claim to verified this information within your investigation. I am requesting copies of the documentation that your company reviewed in order to report the account as verified. I would like to know what steps were taken in order to ensure that you are reporting the most complete and accurate information available to the credit bureaus. How could you continue reporting this account when in the first place this has no name? Delete this now! 

Original creditor : XXXX Date opened XX/XX/2021 XXXX {$380.00}
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom It May Concern : I have recently been informed that there is negative information reported in the files you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. 

XXXX XXXX XXXX Reported : XXXX. XXXX, 2021 {$190.00} XXXX XXXX Reported : XXXX XXXX, 2021 {$820.00} XXXX XXXX Reported : XXXX. XXXX, 2021 {$900.00} XXXX XXXX A Reported : XXXX XXXX, 2021 {$450.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation will follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX, XXXX, and XXXX  but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

XXXX is reporting it as a Flexible spending credit card, XXXX  as a credit card, and XXXX  is reporting no account type. XXXX  is reporting a monthly payment of {$0.00}, XXXX  is reportng {$97.00}, and XXXX  is reporting {$0.00}. XXXX  is reporting the last reported date as XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX and, XXXX as XX/XX/XXXX XXXX  is reporting XX/XX/XXXX. XXXX is reporting a high credit of {$5000.00}, XXXX is reporting it as {$0.00}, and XXXX  is reporting it as {$4400.00}. They have obviously not been investigating this as per my request and i would like this deleted ASAP.
Complaint sub-issue: Account opened as a result of fraud

I open a account with Citibank on XX/XX/2022 they send me a alert that my account was placed on hold to give them a call so I called them and the representative told me to allow 24hrs and I should be able to have my account back so I have called every day and all the representative have told me the same thing to give them 24hrs is currently XX/XX/2022 and no one has answered my questions and my account is still on hold I spoke to a supervisor and she told me theres nothing she could do but doesnt tell me h th e reason thats all the money I have so I had to call off cause I had no money for gas I also have XXXX kids XXXX  custody and I cant buy them anything
Complaint sub-issue: Debt was paid

I was advised on Thursday XX/XX/2019 via my XXXX XXXX alert that NRA Group XXXX PA had reported and opened a Collections Account in XXXX and XXXX  for a delinquent Medical bill owed to ( XXXX ) XXXX XXXX Hospital for the amount of {$230.00}. Actual amount was for {$220.00} which had been paid in full on XXXX XXXX. 

IN FACT THERE WAS NO ( XXXX ) XXXX DOLLARS owed or pending when XXXX XXXX reported this the Credit Reporting Agencys IN XX/XX/2019. 

This has caused a negative impact on my otherwise ( VERY GOOD ) Credit Rating for years of 100 % on time Payment Reporting to XXXX, and XXXX. 

There was no formal prior USPS letter, verbal communication, or contact whatsoever, or any attempt made by the NRA GROUP to me to advise me of their attempts to collect what turn out to be a paid off invoice or they would have been provided the documentation showing the {$220.00} had been paid to XXXX ( XXXX XXXX on XX/XX/2019.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX! XXXX DOB - XX/XX/XXXX LAST XXXX SSN - XXXX FILE NUMBER XXXX PLEASE APPLY THESE LAWS TO MY ACCOUNTS : I AM WRITING TO ASK THAT YOU DELETE ALL UNAUTHORIZED INQUIRIES, DEROGATORY REMARKS, AND CLOSED ACCOUNTS, ALSO FRAUDULENT ITEMS THAT I HAVE FOUND IN MY CREDIT REPORT. I HAVE REACHED OUT TO ALL 3 CREDIT BUREAUS TO REPORT THESE ITEMS BUT HAVE YET RECEIVED ANY RESOLUTION. I AM AGAIN ASKING THE ITEMS LISTED BELOW TO PLEASE BE DELETED FROM MY FILE AS MANY OF THESE ITEMS ARE MISREPRESENTED ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS AND DEROGATORY REMARKS HAVE MADE IT HARD FOR ME TO LIVE A DECENT LIFE. 


DEAR SIRS/MAMS THE FAIR DEBT COLLECTION PRACTICES ACT LAW 111-203, TITLE X, 124 STAT. 2092 ( 2010 ) FAIR CREDIT REPORTING ACT ( FCRA ) 15 U.S.C SS 1681 ( FCRA
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX XXXX is not the original debtor. XXXX XXXX XXXX is. It is a violation of my rights because I didnt sign any debt with said collection Agency.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX : {$250.00}. This was paid at the Hospital during service - I was never made aware of this credit issue. Hospital has payment in file. 

First Fed Credit & Col {$75.00} : XXXX  was paid thru the insurance and contacted the hopsital who billed the insurance. 

XXXX XXXX {$1200.00} : This was repeatedly communicated to bill the insurance and insurance did assume the cost.
Complaint sub-issue: Funds not received from closed account

Bank refusing to return deposited cash amounting in {$1300.00} or more. Account is in risk management due to a returned personal check that was never cashed or released into my account. I have no knowledge of the deposited check being bad account is now in a hold a status. Have spoke to multiple branch managers, fraud department associates etc and everyone is giving me the run around. Account also has fraudulent mailing address listed for California. I do not live in California  nor have I ever had another US BANK account. Presented receipts stating cash was deposited and they still have not released my funds.
Complaint sub-issue: Their investigation did not fix an error on your report

For the last few months I have been disputing this account ( XXXX ), Which i noticed the reporting upon checking my Credit. Back in XXXX when i became aware, this account was reporting as a Charge-off and was sold to XXXX XXXX. Also, it was reporting twice on my profile with multiple inconsistence 's. The accounts were also appearing as open after it was charged-off and had different balances reflecting on all three credit bureaus. Every time i sent a dispute, the accounts would come back verified and the " DATE REPORTED '' would come back re-aged as recent which would knock my credit several points and it is also illegal. I pulled my Credit report as of ( XX/XX/22 ) and notice that now XXXX is reporting XXXX different times and show a status of open on some bureaus and closed on another. Its hindering me from establishing Credit so that I can purchase my home. I ask that the Credit bureaus alongside XXXX be held responsible far as making correction to my account.
Complaint sub-issue: Denied request to lower payments

I began to get behind on my car payments in XXXX due to XXXX XXXX and a move that I was n't planning on. I received a call from an employee from the following number : XXXX. I had a hard time hearing the message, I think her name is XXXX. In her message, she asked me to return her call before XXXX pm to number XXXX, extension XXXX. I was on XXXX XXXX so I pulled over and it took me 4 times to get someone to agree to transfer me. The employees kept refusing. I had to demand to speak with a supervisor and told her she needed to transfer me. I finally got through and spoke with her person who left a message. I have never had such a hard time reaching someone. She put me on a 60 day extension which she said I had to make a payment on XXXX XXXX or XXXX XXXX and then I would n't owe a payment until XXXX XXXX. This is where my frustration began. I logged on to the app to check my account on XXXX XXXX and noticed that my account is still 3 months behind, it is not reflecting the payment arrangement. I called Ally to see if I could speak with the employee who created the payment arrangement, XXXX. I called the number she provided 17 TIMES between XXXX XXXX and XXXX XXXX. The phone reps REFUSED TO TRANSFER ME. I asked for supervisors who also REFUSED TO TRANSFER ME. I asked to call centers in the XXXX hoping I could get transferred and was still refused. Every rep wanted my account number or social. I provided it and then was told so many different answers that I had to write them down. The first few reps told me that I was NOT ON A PAYMENT ARRANGEMENT AND THAT I NEEDED TO MAKE 3 PAYMENTS. I explained that I spoke with someone and had a payment arrangement. I was interrupted, or yelled at, or hung up on, or talked over so many times that after 17 tries to get to the person who put me on the supposed payment arrangement that I GAVE UP. 
This is how Ally works? I have no proof that the person put me on a payment arrangement and no way to speak to her directly because the call center employees REFUSE to transfer me. They also want to put me on their version of a payment arrangement, even though I am supposedly on one. They yell over me, argue with me, and flat out refuse to get someone to transfer me. I have asked to speak to a XXXX based call center hoping I can be transferred. I am at call 18 and am tired to arguing.
Complaint sub-issue: Transaction was not authorized

We contacted First Tennessee Bank on XX/XX/2018 with the following request : Please review and help get rid of the repetitive charges on this nonprofit account. XXXX XXXX was very unhelpful through this matter. The customer did not authorize the charge listed on the affidavit. A system block may need to be in order as well as this account to be closed. 

Our Business checking account was digged by an illegal operation and the bank charged us overdraft every day to the extent of {$1700.00}.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have contacted XXXX, Equifax, and XXXX several times via phone and online on numerous occasions in regards to inquiries that I did not authorize or I was not familiar with. I get the same results every single time and it is affecting my scores and it looks like I have been searching for credit opportunities which I have not. I am trying to purchase things and it has made it practically impossible to do when seeing places that I didn't acquire credit from. I have disputed and reached out to the credit bureaus on numerous occasion. I need the companies to send proof or validation or it needs to be removed immediately. 

The following inquiries were not authorized : XXXX XXXX x3 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 x2 XXXX XXXX XXXX XXXX XXXX XXXX  x2 XXXX XXXX XXXX XXXX XXXX x2 XXXX