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

In accordance with the Fair Credit Reporting Act, XXXX, XXXX, and Equifax has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions. 

The information in question are listed below. 
XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX in amount of XXXXXXXX XXXX XXXX XXXX in amount of XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing this due to non-compliance with the CRA ( Equifax ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. I disputed some accounts on my Equifax credit report that are inaccurate and inconsistent. The company came back and said that the accounts are accurate. I wrote them, along with a copy of my credit report outlining the inaccurate information. I don't believe that they did a proper investigation in this matter. These were some blatant inaccuracies and violations on my credit report per FCRA. The confirmation number for the report is XXXX.
Complaint sub-issue: Company closed your account

Us bank can not tell me account no. Said purged a count. XXXX calling 5 weeks several times a day. They refuse to do research. Supposed to keep for 7 years. XXXX said they purged account.
Complaint sub-issue: Information belongs to someone else

I HAVE NEW & UPDATED INFORMATION ON XXXX AND EQUIFAX. I XXXX XXXX the consumer, have evidence that XXXX AND EQUIFAX are willlfully noncompliant to federal law FCRA 605B ( 15 U.S.C. 1681c-2 ). On XXXX I sent correspondence to EQUIFAX in response to ( complaint # XXXX ) & also sent correspondence to XXXX in response to ( complaint # XXXX ) ( see attached file ). In my previous complaint, I notified both XXXX AND EQUIFAX that they had 4 days upon receipt to block all of the items Ive listed inside of my identity theft report on XXXX. XXXX and EQUIFAX failed to meet those requirements. I have proof and evidence of both receipts ( see attached file ). Instead, XXXX AND EQUIFAX chose to put my FTC report in ( the system ) as a 30 day dispute to verify the same information PRIOR to the block WITH the furnishers of those same items I made notice of being fraudulent. Both companies are continuing to report False misleading information on my consumer report and are using the same information in my file that I made known to be identity theft, to verify the same information. By doing so, XXXX AND EQUIFAX are in violation of 15 USC 1681c-2 ( c ) ( 3 ). Theyre knowingly using the presence of the information inside of my consumer file PRIOR to the block to verify information on me. The FTC regulates this requirement XXXX & EQUIFAX failed to abide. I have documents from the FTC siding with my complaint ( see attached file ). I would like to now state that the consumer reporting agency XXXX has obeyed this requirement by blocking the information from reporting ( see attached file & see complaint # XXXX ). Pursuant to 15 USC 1681i ( a ) ( 5 ) ( D ) Automated reinvestigation system. EQUIFAX and XXXX are in violation for knowingly ignoring the block of information reported as identity theft pursuant to the automated system of all consumer reporting agencies.
Complaint sub-issue: Information is incorrect

I received an Unearned Income Letter from The Department of Health and Human Services saying that I own stocks. I don't recognize the amounts, and when I searched the address nothing shows up. The amounts are also very odd, like one is for XXXX  dollars lol.

They are all from the same company address, yet each have different account numbers.

Reached out to the company, SQUARE INC, they say they don't know either.

Emailed ; called, and tweeted the IRS a lot, no response lol. Contacted Social Security since I'm low income, they said to contact you because it sounded like fraud.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 ( Equifax ) and on XX/XX/2020 ( XXXX ) and on XX/XX/2020 ( XXXX ) add a derogatory mark on my credit report per XXXX XXXX. Upon further research, thus account is reporting inaccurately on all credit bureaus including wrong dates and I am not responsible for this account. Debtors nor the credit bureaus did and could not verify this Inaccurate XXXX XXXX Also, there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt, according to the FCRA ( credit bureaus and the court system has violated my rights as a consumer and I'm requesting legal action to remove this account immediately because i reached out to the court system and they verified they are not the one reporting this Derogatory the credit Bureaus are acting on their own In Accordance with the fair credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX  has violated my right 15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C I681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
Complaint sub-issue: Fraudulent loan

XXXX   XXXX  - calls placed by former student of  XXXX   6 t o 7 times t o Sallie Mae. Sti ll was not provided information requested - MPN, signature, disclosure documents, etc. for  XXXX   XXXX   XXXX . Please expedite this information to  XXXX   ( ov ernight mail ).     Falsification of documents suspected, and not being expedited as to the investigation.     Misinformation provide d by Sallie Mae Allegations and Investigations in that informed to send a letter ( attached ) addres sing issues, details, and proposed solutions regarding suspected fraudulent activity by   XXXX   XXXX   on  XXXX   XXXX .  One   XXXX   XXXX  informed that an affidavit has to be completed befo  re Sallie Mae will investigate.
Faxed documents over to Customer service and Sallie Mae Customer Service said never received. ( also attached - only part of document pertains to Sallie Mae. ) Then faxed to 2   other departments.     Date of  XXXX   XXXX  that loan documents signed was date that  XXXX  was at work.
Complaint sub-issue: Investigation took too long

Requested fact-finding for fraudulent account. Received attached notice stating that they do n't have additional details and will get back to me in 60 days. This is a direct violation of the law. If a credit reporting agency is unable to verify how they are reporting data within 30 days, it must be removed. Because I am homeless and without a car due to the damage this has caused my credit, I 'm requesting rent at {$900.00} each month XXXX and Equifax have kept this on my report which is {$6300.00} per each agency. XXXX followed the law and removed it. Thank you, XXXX! My score went up XXXX points where it should 've been. Im also requesting loss of income which is {$3000.00} per month, as I lost my job due to no transportation. That was in XXXX. That totals {$12000.00} per agency. 

The only way changes will be made is if XXXX and Equifax are held accountable and are forced to compensate their victims! They are breaking the law and it has serious consequences. I 'm homeless during the biggest heatwave in XXXX XXXX on you!!!
Complaint sub-issue: Debt is not yours

Account showed up on credit report with no prior knowledge of account or actual item trying to be collected against. The collector then tried passing the debt along to husband representing as his as well with no written notice of debt.
Complaint sub-issue: Can't use card to make purchases

I contacted Citi and requested to speak with someone in the Retention division of the company. I wanted to address my concerns regarding a dispute that I filed regarding a purchase with XXXX XXXX for concert tickets. The company sided with the company. I purchased concert tickets and the concert was cancelled. To date, I have not received a refund and Citi refuses to properly dispute the matter. The representative acted as if he did not want to help me and basically was steering me to close my account. I told him a few choice words and hung up the phone. I went to use my card later that evening and I was unable to use my card. I checked my account on my XXXX  and it said it had been closed. I'm extremely upset because I did not give any type of consent or instruction to close my account.
Complaint sub-issue: Personal information incorrect

I have tried to submit a dispute through XXXX  for incorrect spelling of my name. I was unable to submit a dispute online.
Complaint sub-issue: Account status

There is a Veterans Affairs/Administration debt on my Equifax credit report. This debt was a mistake and the Veterans Affairs/Administration has taken action to get the debt DELETED from my credit report. It has been successfully removed from XXXX and XXXX but Equifax refuses to remove it stating that the Veterans Affairs/Administration has continuously verified that I owed the debt. Attached is a letter from the Veterans Affairs/Administration to myself ( Dated XX/XX/2016 ) stating they have taken action to reflect delete on my credit reports and it could take up to 45 days. I sent this letter to Equifax and they ignored it and said they would not take any action to contact the Veterans Affairs/Administration and ONLY used an automated system. They informed me they were not allowed to contact the Veterans Affairs/Administration. I asked for it in writing and they hung up on me. They have, on many occasions, asked for my phone number and as soon as they put me on hold, they hang up the phone. I have a XXXX XXXX XXXX and this collection may have a negative impact on it if it is not removed promptly. I have been trying for over a year to get this resolved. Thank you for your assistance.
Complaint sub-issue: Debt is not yours

Found the debt on my credit report. I have tried to reach the collecting agency Armada Corp phone number XXXX. I tried to contact the XXXX clinic of the XXXX. They gave me the phone number of the billing department for them which is XXXX XXXX. They couldn't find my debt anywhere. I tried for a month unsuccessfully. Thank you.
Complaint sub-issue: Problem with product or service terms changing

XXXX XXXX XXXX To : XXXX XXXX  Tue, XX/XX/XXXX at XXXX XXXX  " Generally, you'll want to keep your oldest accounts active and in good standing in order to prevent them from being closed. '' REALLY? 

I now own my home. It's a disappointing reality that creditors and credit monitoring services are incapable of congratulating debt-free clients. 
Credit score dropped 80+ points because I PAID OFF AND CLOSED MY OWN MORTGAGE ACCOUNT. 
Shame on you... 

XXXX XXXX XX/XX/2020
Complaint sub-issue: Investigation took more than 30 days

Good Afternoon ; I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
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 unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX  XXXX Date XXXX Balance : $ XXXX Late Date XX/XX/XXXX
Complaint sub-issue: Company closed your account

Discover closed my account on XX/XX/2018 with no explanation except for We are unable to meet your servicing needs. I had that card for almost 3 years and never missed a payment or made a late payment. I have contacted Discover multiple times to get an answer, but nobody seems to have one.
Complaint sub-issue: Investigation took more than 30 days

Customers who pay for unlimited mobile data have a right to expect to get ... Then when I try to call I'm told I have very little time or a XXXX balance. ... I was a costumer with XXXX XXXX XXXX and out of 12 Billing Cicely 11 where wrong. 

XXXX  trade in XXXX XXXX incorrectly charged 2,000 customers for exceeding data cap btw that was from FTC i filed also
Complaint sub-issue: Problem getting your free annual credit report

I apply for my XXXX credit report annually via XXXX. For the past 3 years I have been unable to access my XXXX Credit Report through XXXX. Per XXXX, it is an XXXX website problem. As there is no telephone number that allows me to speak to a person, I must e-mail XXXX, which I have done numerous times over the past 3 years. To date ( XX/XX/2017 ) no response. I suppose that I could request a credit report by phone through XXXX, however, that seem to defeat the purpose of XXXX. Would you be so kind as to assist with my proble. 

Thank you. 

XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

Afni XXXX is using a machine to make calls and showing on the caller ID as XXXX a different company. When I received a call this morning I was asked to hold for the next available operator, I waited to see to see who they were looking for as my former step-mother has been passing out my number to her creditors. The call disconnected without me being able to discuss the matter and ask them to remove me. I then called XXXX trying to clear this up and was told they had no account with my phone number and told me they had other complaints that Afni was engaging in this practice. I finally called Afni and they refused to admit to their conduct.
Complaint sub-issue: Funds not received from closed account

Hi on XX/XX/21 Citi bank notified me that my checking account will be closed and they would be mailing my money ( {$15000.00} ) to me and it is now middle of XXXX and they are still holding my money hostage i want money back to me asap ( fast ) and i also want interest paid for them holding my money and doing whatever they are doing with it this is ridiculous if any of these people were in my shoes they would be thinking the same thing plz help with thanks. 

I've never had deal with something like this from a bank. 

This happened all because I funded the account from my credit union and they don't like credit union obviously lol.
Complaint sub-issue: Personal information incorrect

The following addresses are incorrect/invalid with Equifax : XXXX XXXX XXXX XXXX  XXXX, New York XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, New Jersey XXXX Please remove, please send an updated report once this is done as required by FCRA regulations.
Complaint sub-issue: Account status incorrect

XXXX submitting this complaint myself and theres no one or third party involved with this submission. I would like to also note that I am a natural living person/ a consumer pursuant to 15 USC 1692a ( 3 ). Additionally, I would like it to be noted that the data furnisher ( Lending Club ) is violating my right as a consumer according to fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ).
Complaint sub-issue: Information belongs to someone else

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

I have an open collections account on both XXXX and XXXX credit reports with PMAB in the amount of {$210.00}. 

In XX/XX/XXXX I called and made a {$50.00} dollar payment, requesting that the money be credited to the {$210.00} balance. The PMAB Representative told me I would receive are receipt for my payment via email. I never received my receipt. 

The account was reported again on XX/XX/2018 as {$210.00}, as if the payment had not been made.
Complaint sub-issue: Problem during payment process

I was CITICARDS CBNA customer since 2017 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account due to XXXX pandemic. Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Hi, I and my wife were tenants of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and were in the process of vacating the property. We moved out most of our stuff except for a few items and a mattress and were surprised to see it occupied by other tenants when we came to finish the clean up. 

1. The apartment was leased to us till XX/XX/XXXX 2. On XX/XX/XXXX we received a statement dated XX/XX/XXXX including unpaid rent and repairs for {$2600.00} 3. On XX/XX/XXXX we disputed the charges as : 1. Rent was being demanded for the period the apartment was leased out to other tenants. 
2. Repairs were carried out during the period the lease was still active and we were in the process of cleaning up at their own volition 3. No evidence of damage was provided for repair charges. 
Returned the keys. Sought damages for property destroyed. Requested a response in 5 days. No response was received. 

4. We received in writing on XX/XX/XXXX a letter dated XX/XX/XXXX from Hunter Warfield a debt collector on behalf of XXXX XXXX XXXX for an amount of {$2600.00} attaching the same original charge sheet sent on XX/XX/XXXX by XXXX XXXX and no additional evidence or response provided. 

5. My attorney disputed the charge in writing on XX/XX/XXXX with XXXX XXXX XXXX 6. On XX/XX/XXXX I see a collection placed on I and my wife 's account 7. This has damaged our credit ratings and reputation severely
Complaint sub-issue: Billing dispute for services

Greetings I bought a XXXX XXXX XXXX from equifax on the Equifax internet site in order to monitor my scores. On the last XX/XX/2020 they charge me {$19.00} for the month of service. Two days later on Tuesday XXXX, 2020 i received an Email saying that my product was cancel and if didnt request for that to call them. So i did call them asking why this happen. They never give me an explanation so they ask me to pay again {$19.00} and say they will give a refund for the first {$19.00} dollars. After that this happens again and they said they will give me another refund but i needed to pay a 3rth time {$19.00}. That same problem happens one more times within a week and a half. I Has pay four times {$19.00} And now they dont want to give me the last two payments i made and if i want the service to pay another 5th time. This product cancel by itself i dont know why. I wanted the product but is incredible that Equifax has this problem with no explanation.
Complaint sub-issue: Can't get other flexible options for repaying your loan

i was attending the lab XXXX XXXX XXXX XXXX in XXXX nj XX/XX/XXXX i technically graduated and finished my hours but i was told the school only has one graduation in XXXX of every year where we get our paper work of our hours however this certain year after contact the school leaving vm nobody ever got back to me ... the school closed for bankruptcy XX/XX/XXXX i never got my papers the state broad for three years i called and kept talking to the same lady who told me to contact other XXXX XXXX locations ( XXXX XXXX XXXX XXXX ) & XXXX XXXX school in XXXX regarding my hours so that i could complete the test! i never received my papers. i refuse to have to pay on a loan that i can not even use. this was my third time attending a hair school and to finally have completed the course and not been able to take the exam after being there for almost 3 years was extremely heart breaking. please assist me
Complaint sub-issue: Company closed your account

Discover closed my credit card account XX/XX/20. They stated that I hadn't used the account in 6 months. I called and emailed Discover and asked them to reconsider their decision. Haven't gotten a reply. I have used this card in the past and was never late on payment.This closing of my account will most likely effect my credit score. Which is something that may effect other accounts.
Complaint sub-issue: Information belongs to someone else

I happened to check out what was going on with my credit report. I noticed an inquires and accounts that do not belong to me. Please remove them from my credit report immediately. This is a result of identity theft, and unfair to me.
Complaint sub-issue: Their investigation did not fix an error on your report

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

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