Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble with how payments are being handled

When I first started paying my loan in XX/XX/XXXX, there was some kind of mistake made by in how my payments are applied to my loans. I have 6 separate loans and my initial payment, they said, was XXXX dollars. I have three Direct Plus loans and three Direct Unsubsidized Stafford loans. I called back in XX/XX/XXXX and they said this was a mistake and I should only be paying XXXX every month, which I did. So for the first 6 months of making payments, even though I was paying the full amount, I kept getting notices that I was not paying what I owe, and thus these payments were not counted. On XX/XX/XXXX I ended up paying more than I owe ( XXXX ) so the computer would stop saying that I was past due because the people at FedLoanServicing could not seem to fix it themselves. This did fix the problem, however, when I submitted my Employee certification form in XX/XX/XXXX it was showing that I only had made 5 or 6 payments when I had been paying for almost a full year at that point so should have had around 10. I submitted a request to have my payments re-evaluated in XX/XX/XXXX and they told me the review should be done in 6 months. I called back in XXXX of XXXX and was told it would take another 6 months. I called back in XX/XX/XXXX, one month ago, and they told me that they don't know when it will be done. So now I have 2 years of full, on-time payments and 3 of my loans only show I've made 19 payments, and the other 3 of my loans show I've only made 9 payments. I called again today and they still can not tell me when the review will be done and they will not let me talk to anyone in the review department.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 16 XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Can't close your account

I opened a Best Buy card via Citi years ago that I used, paid off, and never used again. Somehow, there have been three accounts opened over the years and the most recent was used to charge merchandise I did not buy. I reported the purchases fraudulent and requested any accounts associated with me to be closed. After more than a month, they still show at least one account open with {$3000.00} available. Today I asked again to close all accounts and they said that since an account was closed in XXXX that I have to reopen it to close it. They were referencing the account that had been closed for fraud and not the open account, which I had never asked to be reopened in the first place. At this point, I need to report them as they are either pretending stupidity to keep my account open, or are so incompetent that they can not fulfill my request.
Complaint sub-issue: Account information incorrect

I was enrollednin university XXXX XXXX and had obtained grants and loans to pay for my college i became XXXX XXXX and the last grant installment due to me that the college git i never recieved. They wont take this account imoff my reports and is hurting me financially is on there more than once and i never withdrew from the college they withdrew me
Complaint sub-issue: Information belongs to someone else

These accounts were created without my consent. I did not authorize any of these transactions. 

DSNB MACYS Balance {$1100.00} opened XX/XX/XXXX / XXXX/XXXX  Balance {$4500.00} opened XX/XX/XXXX XXXX XXXX  Balance {$2000.00} opened XX/XX/XXXX XXXX ( Original Creditor 11 XXXX ) XXXX opened XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) {$1300.00} opened XX/XX/XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) Balance {$230.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX ) Balance {$1100.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX ) Balance {$10000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$34000.00} XX/XX/XXXX
Complaint sub-issue: Debt was result of identity theft

I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.
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 ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 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 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: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need this accounts deleted or updated. This is the item I demanding to be deleted immediately : This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Reinserted previously deleted info

The information was previously updated to a XXXX balance XX/XX/XXXX XXXX as Equifax responded through the portal this was update to a XXXX balance. 

Filed a complaint on XX/XX/XXXX XXXX asking Equiifax to update my balance status to a correct amount or remove in its entirety. =Please find the attached Wage and Income Transcript from 2013 where the highlighted portion advises that my debt with XXXX XXXX XXXX XXXX has been cancelled and forgiven since XX/XX/XXXX. I respectfully request that this debt be removed immediately from my credit profile. XXXX which is now XXXX XXXX has forgiven this debt in full and is currently reporting inaccurate information unlawfully. 

With the proof I 'm attaching to this letter, I 'm sure you 'll agree it needs to be removed or updated to a XXXX balance ASAP. 

Sincerely, XXXX XXXXXXXX, GA XXXXAttachment includedEquifax Responded on XX/XX/XXXX XXXX : Equifax Credit Report said : Explanation of closurePlease be advised per the documents you provided the balance and the past due amount on GMFNANCIAL XXXX was updated to {$0.00}. Adverse accounts remain on the credit file for XXXX years from the date of last activity. Written confirmation was mailed to the address on file. 
ReliefEquifax updated the disputed account. 


This issue was resolved XX/XX/XXXX and no movement on this account since. However, this update is not reflected on my current credit report
Complaint sub-issue: Information belongs to someone else

It 's been well over a year now, and I 'm still battling with Equifax and   XXXX   to review my statements and remove the remaining collection accounts. After reading their website, the FTC internet site, and justice departments website I gained the instructions to fix your credit when identity theft happens. All required documents have been submitted, and these companies wo n't comply. This is my second complaint against them. I know deep down that they are Intentionally keeping these accounts on my reports and other Americans so they can continue to collect monthly reporting premiums from the collection agencies. Why else would they review my documents and completely ignore them? Every time I call there is a person with a thick accent that is trying to sell me credit monitoring!! All they care about is money, and th e CEO 's  and leaders of these companies should be ashamed of themselves. These collections are keeping me from moving forward on some life goals so my family can have a nicer school to attend. Thank you CFPB for being here for us.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

I had XXXX plus the fees stolen from my card account I had filed a fraud dispute and I was promised that I would receive my money refunded and card.com refuses to return my money
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX partial acct : XXXX... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX Partial Acct : XXXX .... 
XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX and XXXX Partial Acct : XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXXXXXX XXXX XXXX Partial Acct : XXXX ... XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights as per 15 U.S. Code 1681a2a-Section ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Complaint sub-issue: Information belongs to someone else

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/2013 ; XXXX  XXXX Balance : {$0.00}.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

unlawful add inquiry to my report
Complaint sub-issue: Account status incorrect

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX-XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX-XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX DEPTEDNELNET-XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX  XXXX-Balance : {$0.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2019 I went to a dealership for an auto repair. The salesman ensured me that I would qualify for a new vehicle through trade. I insisted on having my credit report ran because I did not want another hard inquiry. The salesman stated that he has been in the business long enough that he could evaluate my credit worthiness without a hard inquiry. To my surprise, my credit report was indeed ran, and now I have a inquiry.
Complaint sub-issue: Information belongs to someone else

I have a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I requested review of a past statute erroneous debt reported to Equifax on XX/XX/XXXX. I had already reported this file to the other reporting bureaus and had the report successfully removed from my credit reports. I stated this debt was from XXXX and is past statute. However, the reporting agency simply updated the report to show the same dates as before and that the debt belonged to me. 

I again disputed the result by submitting images of my actual XXXX bill and other debt collector statement claiming the same debt owed predating the date provided by XXXX. No notification was sent to inform me that the review was complete. No changed were made by Equifax they simply continue to say the debt is verified.
Complaint sub-issue: Deposits and withdrawals

I was flagged for fraud by usbank reliacard and my account was locked until I uploaded a picture of my ID and a selfie I did that and since my address is different on my ID they want me to upload a a picture of a bill with my current address I do not have one I have a current ID social security card and a birth certificate
Complaint sub-issue: Was not notified of investigation status or results

I am writing because I sent some letters to the credit bureaus in the beginning of XXXX and I haven't heard anything back from them since. They are reporting late payments to my report during the covid forbearance period. I am a victim of Covid and I feel like im being taking advantage of. Please can you help me because these companies are not following the rules and regulations, thank you.
Complaint sub-issue: Investigation took too long

XXXX As in that case, there is no circumstance under which Defendant could legally report an obsolete debt to a credit reporting agency or make a positive report in the event of payment. The implication that Defendant could do so here is misleading on its face. '' The above recent court case XXXX XXXX XXXX is an addendum to my previous complaints about XXXX XXXX XXXX 's credit card closed in XX/XX/XXXX ) complaint about positive reporting I never made in XX/XX/XXXX. It serves - based on XXXX XXXX XXXX 's letters in response - that it falls on the credit reporting agency to stop the bank from any and all reporting regardless of what account. This includes credit cards, student loans, etc.
Complaint sub-issue: Reporting company used your report improperly

There is an account on my credit profile from TEK-COLLECT with the account number XXXX. I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my Nonpublic Personal Information per 15 U.S. code 6802. For example, my name, social security number, and date of birth. Only a signed contract between me, the consumer, and TEK-COLLECT would make me legally bonded to any debt that they may claim. I have never provided any wet signature or Nonpublic Personal Information to this company on any agreement. 
Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless the such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt-out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to a such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to a such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I have not received any debt validation notice from TEK-COLLECT as they were lawfully required to provide it to me, the consumer per FDCPA laws. Therefore, I was not rightfully able to dispute this account before they unlawfully caused harm to my consumer report. This is a request for proof of delivery/receipt that TEK-COLLECT has sent a debt Validation Notice to me, the consumer. Written and verbal communication directed via FDCPA was not provided to me, the consumer ; allowing me to properly dispute this invalidated debt.
Complaint sub-issue: Information belongs to someone else

I have no knowledge of this account and i dont have any business relationship with the creditor
Complaint sub-issue: Banking errors

On XX/XX/XXXX XXXX I used a USBank atm outside their branch to deposit {$900.00} cash and I received an Error message and receipt with a phone number, claim number and information on how to file a dispute. 

I called the number on the receipt to file a dispute the same day at XXXX, I was on the phone for XXXX minutes XXXX seconds. The agent that was helping me out said that since it had recently just happened I would have to wait until the next business day to find out if the money will be in my account. Since it was XXXX 's day weekend I would have to wait to call back on Tuesday if the money was not in the account. 

I waited until Tuesday XX/XX/XXXX, called back at XXXX since the money was not in my account. I spoke to a different agent for XXXX minutes and XXXX seconds who verified who I was and stated that it was weird that the first guy didn't just go ahead and start a dispute for me. He asked for the SUS number that they use to look up claims and said that he would start a claim for me and asked me to wait XXXX business days while they investigate and see what happens. 

On XX/XX/XXXX, tired of waiting my money to be deposited back on my account I called back, spent XXXX minutes and XXXX seconds on the phone only to be told that the dispute was never filed and that it is already late and going to be more difficult to find out what happened. I was told that it was XXXX of me to not go into the bank every morning to see if the ATM regulators, that are not part of US Bancorp, have found my money. I was then told to go back to the branch where I used the ATM and ask to speak to someone in person. I walked on over and and spent another hour while XXXX in the XXXX XXXX Branch helped me out. They had finally filed a dispute for me. They kept asking if I deposited the {$900.00} cash in an envelope which I said no, their ATM 's outside do not take money in envelopes, which she should know. I was told that I would have to wait up to 45 business days while they investigate and that since I do not know the exact denominations that were deposited that it would be difficult and a chance that I would not get my money back. 

On XX/XX/XXXX I called back to check, I spent XXXX XXXX seconds on the phone only to be told that my dispute was already settled and that they have found no money and I would not be getting anything back. I was told that I was sent mail explaining why I lost the dispute and that it most likely got lost in the mail since I had never received anything. I filed another dispute to investigate what was going on and why they dismissed my dispute. I do not feel like they did their best to investigate especially since they said it would take up to XXXX business days and I received no mail, email or call. I asked to please be called as soon as they are done with their investigation this time and was told that it is not possible, it is against their policy to do anything but mail the information. The information that I never received in the first place because " it was most likely lost in the mail ''. I know have to wait until they decide their verdict and hopefully receive information this time.
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 information, accounts or 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 accounts or information which is 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Old information reappears or never goes away

XXXX  and Equifax credit bureaus have an outdated " hard '' credit inquiry listed on my credit reports that is over 2 years old. 

The inquiry is from XXXX XXXX XXXX on XX/XX/2016. 

Under the terms of the FCRA ( Fair Credit Reporting Act ), passed by Congress, a credit bureau must delete all credit inquiries that are over 2 years old. 
In addition, the credit bureau must send the consumer an updated credit report, via USPS first class mail, showing that the outdated inquiries have been removed. 

I have contacted these 2 credit bureaus to have them comply with the FCRA rules, but to no avail.