Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is missing that should be on the report

Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file unless the information is outdated under 609, or can not be verified. as is my right, I am requesting verification of the following items. 

ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$3700.00} ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$7100.00} ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$1800.00} ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$3400.00} ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$1800.00} ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$3700.00} Additionally I have highlighted these items on the attached copy of my uploaded statement. Im aware that section 609 requires you to have verifiable Proof of my signature. Please send me proof my signature.
Complaint sub-issue: Information belongs to someone else

Hello, In regards to the entry of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, 2017 {$320.00} {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX I am disputing 100 % of this profile collection entry. 
I am demanding that this entry be removed and blocked asap from my name and personal information on file with the CRA. 
With the on-going Equifax security breach, it looks like you are continually allowing bad data to take over your records. 
Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. 
Look at my history with you, in disputing junk and erroneous information. 

This does not belong to me and you are again aiding in ruining my credit profile with this erroneous account. 
REMOVE THIS ASAP!
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax continues to allow false information on record. Reguarding address, scores, and repeat offenders.
Complaint sub-issue: Information is missing that should be on the report

UPON RECEIPT OF FINANCIAL STATUS THE CONSUMER HAS BEEN FURTHER DAMAGED BY THE NEGILENCE OF US. BANK ( AKA XXXX ' ) TO CORRECT THE CREDIT REPORTING AND DEBT THAT DOES NOT BEYOND TO THE CONSUMER PER CONVERSATION WITH XXXX OF U.S. BANK ON XXXX XXXX, 2022 THE CONSUMER ATTEMPTED TO ADVISE OF THE DESTRUCTIVE ACT BY U.S. BANK NOT TO ACCEDPT ONUS THAT THE CONSUMER REPORTED MULTIPLE DEFICIENCY WITH PRIMARY CONCERN TO PROTECT THE CONSUMER FROM FURTHER DAMAGE SHOULD ENTITIES CONTINUED TO SUBMIT FALSE TRANSACTIONS TO THE CONSUMER CREDIT CARD BY THE STANDARD TECHNIQUE OF CLIMAING TO REQUIRE SAID CREDIT CARD WITH ALTERNATIVE INTEREST TO OVERCHARGE CONSUMER FOR FALES TRANSACTIONS THAT WERE NOT ONLY NOT ACCEPTED BYTHE CARDHOLDER BUT NOT WITHIN THE BASIS OF THE LAW OR THE FAIR CREDIT REPORTING ACT.

U.S. BANKS COULD HAVE JOINTLY WORKED TO PROTECT THE CARDHOLDER BY TRANSFERRING MEMBERSHIP TO ANOTHER ACCOUNT BUT DID NOT PROVIDE THAT ALTERNATIVE TO THE CONSUMER. 

HAVING MAINTAIN EXCELLENT STATUS WITH U.S. BANKS WITH EITHER NO LATE PAYMENTS OR DEFICIENT PAYMEN ( S ) U.S. BANK SHOULD HAVE PROVIDED ENTITLEMENT TO THE CARDHOLDER BY STOPPING ILL GOTTEN CLAIMS BY ENTITIES FOR THE PURPOSES OF ILL GOTTEN MONIES. 

TO DATE THIS HAS CONTINUED & REDRESS IS IN ORDER!
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have inquiries on my credit report that I did not authorized. I also do not have a account with any of the following companies below. 

XXXX XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
Complaint sub-issue: Information belongs to someone else

Found some discrepancies on my report I did no authorize. One account that is showing different amounts for each bureau and at least 4 inquiries.
Complaint sub-issue: Information belongs to someone else

These fraudulent accounts are reporting on my credit report. 

XXXX XXXX XXXX XXXX
Complaint sub-issue: Can't get other flexible options for repaying your loan

I currently have a loan with American Education Services ( AES ) through XXXX XXXX. My loan was disbursed on XX/XX/XXXX for {$33000.00} and I have not missed one payment in almost 10 years. The loan is currently at {$28000.00}. Less than {$5000.00} paid off in 10 years. This has been very difficult on my family and myself, especially since the interest rate has continued to increase over the years. They say I am not eligible for a rate reduction or Public Service Loan Forgiveness. I am a paid career XXXX/XXXX and should be eligible. My expected payoff date is XX/XX/XXXX  which is 30 years of payments. Very cruel and unfair. When I took out the consolidation loan I was not prepared to NEVER catch up on the loan. Making payments above the minimum is just not possible but seems to be the only way to get ahead, which is not right. I have contacted AES many, many times seeking any kind of help or advice without any resolution.
Complaint sub-issue: Reporting company used your report improperly

I, XXXX XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with US DEPT OF EDUCATION , XXXX XXXX XXXX and XXXX XXXX, ./// EQUIFAX, XXXX and XXXX willfully violating the FCRA XXXX Without my direct written consent these reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf with US DEPT OF EDUCATION , XXXX XXXX XXXX and XXXX XXXX./// EQUIFAX, XXXX and XXXX based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// EQUIFAX, XXXX and XXXX are harming my reputation, by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) EQUIFAX, XXXX and XXXX need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy . My consumer right to privacy has been breached in multiple counts, for multiple accounts by these agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) EQUIFAX, XXXX and XXXX may NOT furnish negative information to my consumer credit report without with my written instruction. No consent is identity theft//// THEY NEED TO REMOVE AND DELETE all accounts associated with US DEPT OF EDUCATION , XXXX XXXX XXXX and XXXX XXXX immediately from my consumer credit report. Failure to delete will result in immediate action in Federal District court, and I will be seeking damages under 15 USC 1681n.
Complaint sub-issue: Right to dispute notice not received

I did n't receive a XXXX Notice which is required by law prior to collection a debt. The debt has been paid in full. It should have never been reported. I take care of my financial matters and would have never ignored a XXXX Notice.
Complaint sub-issue: Problem with fees

I opened a credit card with Best Buy at a local store for a purchase of a computer. I completed the application with a sales agent and was approved for the purchase there on the spot back in 2011. My statements were set up to be done online as my payments, have always been done online. I have since paid off that computer and have done numerous purchases and paid them off online as well. Not until recently that I have made larger purchases that I noticed my payments will not decrease the balance on my credit card, so I looked closely at the statements online and I noticed that I was being charged without my permission for enhanced card protection services. Needless to say I immediately called the company where they informed me to call to another 800 number. I called them directly as well and the service representative told me that she would submit my inquiry to cancel services and request a refund of the service charges that I had been done without my consent. A week later I received and email stating the following : " Because your account was protected by the program benefits through the end of the billing cycle in the month in which you cancelled, any previously billed fees are valid and non-refundable. '' How is this possible?!
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$52.00} XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2500.00} XXXX XXXX FIN XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have investigation results proof that inquiries were remove from my credit report but Equifax has not delete them from my credit report. I have 2 equifax investigation results stating taht inquiries and accounts have been deleted from credit profile but the inquiries are still reporting on my credit report. Called Equifax multiple times nothing is being done and they're being very unprofessional over the phone
Complaint sub-issue: Company closed your account

I opened a Citibank Secured Card for {$600.00} credit limit secured by {$600.00} in XX/XX/2019. On XX/XX/XXXX, my bank declined to honor a payment on my account and Citibank added a {$25.00} return check fee. On XX/XX/XXXX, my bank did this again. Citibank closed my account on XX/XX/XXXX. I called them and they told me that they could not give me information as to why on the phone, and to wait for the letter that they were mailing me. They also said that once I received the letter, then I could ask for a new account to be opened. I waited several weeks and finally got the letter. I composed a letter explaining the situation with my bank and promising it would not happen again, and asking for a new account. I have tried calling their customer service center several times and can not get any information. They just talk in circles about the account is closed and that I need to pay the minimum payment on the account. I ask about my secured deposit and they just talk in circles that it takes them 21 days to review. At the time I was calling, it was XX/XX/XXXX ( today ), which has been OVER 21 days. When I point that out, they just repeat their script that it takes them 21 days to review .... I have already gotten a statement from them dated XX/XX/XXXX. which is after the " closed '' account. And the balance is {$590.00}. They have a security deposit in the amount of {$600.00}. So my thought is that they apply that to their bill and it IS closed. But they are holding my {$600.00}, closing the account, and still saying that I need to continue to pay the bill while there " 21 day review '' happens. But the 21 days has come and gone. I want either a new account opened secured by the {$600.00} and they can transfer over the {$590.00} balance and I can go back to paying and using my card as I was .... OR Apply the {$600.00} deposit to that final bill and we can be finished. 

Please help me as their customer service center is frustrating and just repeats the same script no matter what you say or ask. 

I am attaching the statement and the text from their website in regards to this secured card.
Complaint sub-issue: Funds not received from closed account

I had an investment account with Lending Club which was closed at some point. I am now unable to withdraw settled funds in my account. There are no valid contact methods to discuss this problem with the company as the indicated help email is inactive and in " sending-only '' mode per a response I received. I want to withdraw my money.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX  ( Paid in Full ) {$130.00} XXXX/XXXX  XXXX  ( Never Late ) {$4700.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed or corrected immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
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. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Complaint sub-issue: Account status incorrect

The Company XXXX XXXX has not reported my account as Closed to all 3 credit bureaus, my account was paid off on XX/XX/XXXX for amount XXXX and the company failed to report the correct information to all 3 credit bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX  are incorrectly reporting a charge-off in the amount of {$17000.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than the balance owed so consequently, there is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Complaint sub-issue: Account information incorrect

IC Systems reporting several inaccurate & old accounts on my credit report which should have never been placed on there. For one I never got a notice for any of these and they just place them erroneous accounts on my credit file. They should have never been sent to collections in the first place because I had/have insurance.

I have disputed this with ALL 3 Credit bureaus also and they are claiming they are valid and I demand to know how they got information showing it is valid because I would like to see that information!! They 100 % for a fact are not valid and they need to provide me this information or delete these accounts off my credit file.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2018, I received a letter from XXXX XXXX stating they had investigated an inquiry made by one of their clients, XXXX XXXX XXXX XXXX XXXX, about my credit worthiness. In the letter they included from XXXX XXXX XXXX, the branch manager states that my credit was pulled on XX/XX/2018 to see if I qualified for some kind of home improvement loan for {$20000.00}. XXXX XXXX failed to show any type of physical proof for my application for such a loan such as a credit application, or even a document showing that I had given my permission for them to run a credit check for such a loan. This inquiry was definitely not initiated by me, the consumer, and I want XXXX  XXXX to remove the hard inquiry from all 3 of the credit bureaus, ( Equifax, XXXX, XXXX ) at once because this demonstrates a defamation of my financial character and willful negligence to damage my credit score under the laws of the FCRA.
Complaint sub-issue: Reinserted previously deleted info

Equifax is not updating my report accurately, they report account status as 31-60 past due for account # XXXX for creditor New York and company, which is NOT accurate. I called creditor to dispute information and XXXX from New York and company credit made me aware that information was already updated to show PAYS agrees on XX/XX/2015. I pulled my report on XX/XX/2015 and it indeed showed Pays agrees on XX/XX/2015, confirmation number for that report is ; XXXX. I checked my credit report again on XX/XX/2015 and it was reinserted to show 31-60 past due which is NOT correct credit reporting. I spoke to a XXXX which is a supervisor at Equifax and I made her aware that I have a confirmation to show that on XX/XX/2015 creditor updated to show Pays agree and that this information needed to be corrected. I was then asked to repeat the same dispute again for the second time. I pay my bills and I am a hard working person I want to have a better life for my family and would appreciate some help. Thanks
Complaint sub-issue: Their investigation did not fix an error on your report

CRA is erroneously reporting several items on my credit report file.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I sent in dispute letter about inquire 's that was from identity theft XX/XX/2020. XXXX XXXX have not responded. XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX
Complaint sub-issue: Information is not mine

XXXX, XXXX ( Collection Agency ) continues to report that I open and account with XXXX XXXX XXXX XXXX and claims that I owe {$1100.00}. I never open account with XXXX XXXX XXXX XXXX. I have dispute item with Equifax several times and requested that Equifax obtain documents from XXXX showing that I had or requested services from XXXX XXXX XXXX XXXX such as a signed installation order
Complaint sub-issue: Account status

Equifax has not updated my credit report since XXXX/XXXX/XXXX. I contacted Equifax XXXX XXXX XXXX and XXXX XXXX, XXXX to request that they update my credit report. To this date the low score remains the same. I have paid my bills on time little before XXXX XXXX and been on time since then. XXXX and XXXX have updated their records with a higher score ; however, Equifax remains the same low score ( no change ). No update from Equifax only a generic letter with comments that scores are based on credit history. I understand that each Credit Agencies are different but there are duplication and old dates on Equifax credit report that needs correcting. I wish their people would take the time to go through the credit report instead of sending a generic letter of laziness. All XXXX credit reporting agencies has the same information.
Complaint sub-issue: Reporting company used your report improperly

My personally identifiable information was compromised by the recent Equifax data security breach.
Complaint sub-issue: Information belongs to someone else

I checked my credit and I saw some fraudulent things that need to be removed of my credit.
Complaint sub-issue: Talked to a third-party about your debt

A representative from Allied Interstate contacted someone related to me but not associated my account in any way on XX/XX/18. This company had been told twice previously not to contact that person but the representative did anyways. They also left detailed information regarding my account and the debt on a voicemail. I am reaching out to Allied Interstate to reach a resolution. I just wanted to make a formal complaint since this representative acknowledged on the voicemail that there were notations not to contact that third party number but he choose to do so anyways.