Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't temporarily postpone payments

I have been XXXX for the last three years therefore i have had multiple student loans my concern and confusion is as to why my loans each semester are separated into multiple accounts if i 'm withdrawing a balance from the federal government for education why is n't it reported as on account in the process of pursuing my degree i'e had to take time off to work to manage bills and debt due to that happening is caused my loans to report as not deferred for a 12 month period causing my credit score to drop at least XXXX points because the student loans report as multiple balances instead of just XXXX as well as multiple late payments now i 'm unable to be approved for an fha loan for at least a year while i wait for my score to go back up what can be done to bundle the balance for student government loans?
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2021 I sent a letter regarding the accounts on my credit report that were obtained illegally and unlawfully. Under 15 U.S. Code 1681b - Permissible purpose of consumer reports ( a ) IN GEREAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates.

I was never notified in writing or any other communication and I am appalled that these sneaky reporting agencies are sneaking around buying and selling information to determine a persons worth. I demand that these accounts be removed immediately.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 u.s.c 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Account status incorrect

Discover reported a business account late on my personal credit. I was not aware that any amount of money was owed on this Business credit card. My company is a non profit and My business office closed due to the pandemic! So I never saw any mail regarding this card. I take pride in my credit and have NEVER paid any account late. This particular card was not used often and once the last payment was mailed XX/XX/2020 i thought the card had a {$0.00} balance. I later received notification from Discover by email to say check my account because a notice was sent regarding them closing my account for none payment. That same day i paid the account in full and asked to speak with a manager regarding the 30 day late payment. The account closure email is what alerted me. Discover never emailed regarding late or missed payments.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  and Equifax credit bureau 's along with the Original Creditors have been reporting negative information at least 2 years on 3 accounts in my credit files.The accounts were investigated and deleted from XXXX XXXX in XX/XX/XXXX while the other CRA 's refused to remove the erroneous items after numerous rounds with them and the suppliers of the information. I sent numerous FCRA 611 and 623 certified letters with either no response or with little documentation to warrant reporting of the items in violation of the FCRA for both the CRA 's and Original creditors. Yet, they continued to verify that the information was complete and accurate after investigation/re-investigation. In the instance of XXXX XXXX, they reported amounts owed of XXXX on previous disputes then jumped to XXXX in others with no proof to substantiate the debt or response to 623 letters. XXXX XXXX XXXX responded to 623 letters only saying they verified that the information to be true and correct but I have yet to see and documentation from them proving this. XXXX XXXX/XXXX XXXX was the same in their refusal to delete even though the CA they sold the account to had deleted the negative information in XXXX. All the information that was investigated and re-investigated shows inaccurate and different information across all the CRA 's so how could it possibly be verified as accurate and complete based on credible investigations?
Complaint sub-issue: Information belongs to someone else

the following account ( XXXX XXXX ) does not belong to me only equifax is the one who is reporting this inaccuracy, this is not mine i have never applied to this account or car loan, i will be attaching the police report and the FTC report concerning this account, which i have provided to equifax many times, but they have not been helpful at all, please have this inaccuracy removed from my equifax credit agency thank you
Complaint sub-issue: Account status incorrect

Account status incorrect showing delinquent account when it's not Those participating in this fraudulent innacurate reporting. 
Equifax XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX Has placed fraudulent, inaccurate information on my credit report. 
after reaching out to the company as well as credit reporters no action was taken. I correct balances have been reported. XX/XX/2022.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

THIS IS A SECOND TIME SUBMITTING COMPLAINT AS INFORMATION CITI BANK PROVDED WAS NOT RELATED T ME : O/A XX/XX/XXXX I contacted CITIBANK Costco indicating I was disputing accounting under the FCA/FRP and to date I have not received any information in regards to that. XXXX XX/XX/XXXX I sent notification again to date have not received a reply. On the XXXX of XX/XX/XXXX I received a Summons from the law firm of XXXX XXXX XXXX XXXX indicating they are representing CITIBANK COSTCO and suing me. I believe CITIBANK COSTCO has not followed dispute procedures. XXXX XXXX XXXX XXXX has not identified to me previously either they were trying to collect a debit, is this company a debit collector?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX Account Number : XXXX 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.
Complaint sub-issue: Account information incorrect

I have an delinquent past due account on my credit file, that doesn't belong to me or I am associated with, I have contacted XXXX/Equifax with no successful resolution. It says the account was open on XXXX, 2017 and the original creditor was XXXX XXXX , whom I have no idea is, or what products they deal with. This new collection has dropped my score over 40 points due to this derogatory item.
Complaint sub-issue: Information belongs to someone else

Equifax is preventing me from doing my on-line complaints due to a glitch they refuse to fix. this is hindering me from moving forward with purchasing a home or opening other credit.
Complaint sub-issue: Late or other fees

I had a credit of $ XXXX deposited into my PNC checking account showing Covid credit as the category. When I contacted my bank as to what it was, I was informed it was a credit like citizens had received before during the last year for pandemic. I never requested this money I never signed anything, etc. Amazing, so I thought. 
My direct deposit paycheck hit my account at midnight today and PNC took it saying my account was now overdrawn and used it to repay what is now showing as a $ XXXX temporary credit. 
I am a XXXX mom and this took my rent and groceries for the next XXXX weeks. My next paycheck will also be taken for the outstanding difference. 
I contacted PNC who now denies any of this and states if was financial assistance, which again I never requested. They would not even assist with a payback plan or anything. 

This is absolutely unethical banking practices and theft on their part.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Account status incorrect

I called Equifax letting them know there is a remark on my credit report that is coming from them that only shows on my FICO score report. They were unable to help remove even with providing the information to them. I asked for a supervisor to resolve my issue and XXXX disconnected my call after telling me I couldn't speak to a supervisor. XXXX  and XXXX  doesn't show this remark and when pulling from XXXX the report is not listed.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Complaint sub-issue: Their investigation did not fix an error on your report

My older Federal Student Loans from XXXX starting from 2018 are not reporting to Equifax which is drastically effecting my credit score. And My credit cards and accounts aren't reporting to my Equifax either. Please fix this issue
Complaint sub-issue: Old information reappears or never goes away

There are three old accounts that are not supposed to be reporting on my credit. In XXXX, I was laid off and unemployed for several months. I notified my creditors accordingly and while they still reported me delinquent on my credit, they agreed to work with me in the future once I paid back my debt. Only until recently in XXXX this year, I was finally able to pay off my accounts in full. Since I communicated my situation with my creditors for months, three of my creditors ( XXXX, XXXX and XXXX XXXX ) all agreed to request a deletion to the credit bureaus of my charged off accounts after I made my payments. The account number for XXXX is XXXX. The account number for XXXX is XXXX. The account number for XXXX XXXX is XXXX. Three months later, it is now XXXX XXXX and this credit bureau still has not honored my creditors ' request to delete these three accounts from my report. I have disputed this delay with the bureau but they are responding back only stating that the accounts have been verified. That is not even my dispute. I know these were previously my accounts. I am disputing the fact that my creditor sent a deletion request and the credit bureau has not made any changes to my credit. Just to be sure I 'm not being given the runaround, I called all three companies, XXXX, XXXX and XXXX XXXX this week and they confirmed to me they already made the request for deletion to the credit bureau in XXXX. This is clearly a problem and this is why I am filing this complaint.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the following creditors ( XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) have violated my rights under 15 USC 1681 section 602 : states I have the right to privacy.

15 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit XXXXplan as late for any purpose.
Complaint sub-issue: Charged too much interest

I had an a credit card with citi bank between XXXX and XXXX and I believe the bank overcharged too much in fees and I received a letter stating I will be refunded but till today I did not receive in check from them.
Complaint sub-issue: Didn't receive enough information to verify debt

( Enhanced Recovery Company ) at ( XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX ) has been sending me collection notices in the amount of ( {$130.00} ) the collection opened XX/XX/2021 has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I mistakenly submitted my account number of Discover Card which had not been activated. ( I have two accounts ),. Immediately an email was sent stating, the '' CARD WAS DECLINED BECAUSE IT HAS NOT BEEN ACTIVATED. '' Before I could make an adjustment, Discover Company charged the amount of {$54.00} to my account without my authorization or activation! 
I've made several calls to the company and each representative had a different story as to why the purchase went through despite the card not being activated by me. 
In my effort to get this rectified, I wrote on XX/XX/XXXX stating my dispute. 
XX/XX/XXXX I received an email stating they were not at fault and the {$54.00} would remain on my account. 
While still disputing, XX/XX/XXXX, I paid the amount in full only to avoid late fees or interest fees.
Complaint sub-issue: Problem getting my free annual report

Several times I have tried for free report and have been told I must download forms and send in requested information. I have answered ID question honestly and still told I have to do the mail in process. Why?
Complaint sub-issue: Didn't receive enough information to verify debt

This complaint is in reference to SARMA!!!!! 

I disputed the SARMA collection account through XXXX  on XX/XX/2019 ; however, I have never received a response from XXXX. I have sent two certified letters to SARMA and they are not being delivered for an unknown reason. I have contacted the United States Postal Service and they are unable to advise why it was not delivered and are unable to track the letter. Due to the fact that I reside in XXXX XXXX, I attempted to drop off the dispute to their office personally ; however, they were very rude and would not take my dispute. I asked to speak with a supervisor/manager and waited for over 20 minutes but no one would come out to talk to me or even come back out to tell me how much longer it may be. 
Why is SARMA providing a XXXX XXXX XXXX XXXX, XXXX XXXX, Texas address if the USPS is unable to deliver and no one will take my dispute in their office? Please see the attached letters that have been sent certified mail on two separate occasions with no success. I have attached both certified mail receipts for your review. It appears SARMA is making it impossible for their collection accounts to be disputed as the USPS is unable to deliver the certified letters and they will not take any disputes in person. 
Please request SARMA to validate this debt account as outlined in my XX/XX/2019 letter ( a signed form with my signature on it ) or please delete this account asap. 

Thank you,
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account Name : XXXX XXXX XXXX XXXX  Account # XXXX, Account Name : XXXX XXXXXXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX  Account # XXXX, and Account Name : XXXX  Account # XXXX, 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 an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

Attention Consumer Dispute Department : 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 1681, defamed my character and caused me great stress : 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 For my student loans- The reporting of these account ( s ) are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I demand theseaccount ( s ) be deleted from my consumer report immediately. Please send a copy of my updated report once complete.

For all other accounts : 12 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT.

Please send me an updated report upon completion of my request. 
Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

I recently saw a collection from CKS Financial I called to resolve issue and told them I never received a letter. The woman XXXX hung up on her when I was trying to settle this debt and now they wont answer my call and sends me to a voice mail that they had a storm and no one is in. I just talked to them 1 min prior to that. All I was asking for was a written contract on a certain amount and that I wanted it off my credit report as soon as it was paid. I want a supervisor to call me only.
Complaint sub-issue: Debt is not yours

I C SYSTEM XXXX XXXX XXXX XXXX  XXXX, MN XXXX Has an account open for the amount of {$460.00} and I have tried in every possible venue to solve this situation with the company and they refuse to work with me. I have spoken to them several times and I have disputed this item several times with the credit bureaus and have not been able to get it off my record. This debt is not mine and Im not responsible for it. It's mind blowing how they are trying to make me pay for something that is not mine and worse they reported this to the credit bureaus and it's creating some deep damage to my credit. I was left with no choice and I have placed a fraud alert on my credit reports in order to avoid this situation from happening again.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed an account with I.C. Systems on multiple occasions. I don't know what it is and to help my credit score i was actually tricked into paying it as i '' m tired of dealign ith it and i was told it was going to be removed! Now not only is it reporting differently on each bureau which is a violatoin of the FCRA there is a different balance reported! I mean what kind of lies can a company get away with? this is ridiculous. this needs to be removed. It's reported as an open and current account with XXXX and each bureau has a different payment status and a different date of last active. come on. HOW IS THIS OKAY? My next complaint is with the attorney general.
Complaint sub-issue: Information belongs to someone else

These items attached are showing on my repost that is not mine. I've been referred to this site as a last resort to clear these things up because it's effecting my credibility to by my new home. Please see attached letters.
Complaint sub-issue: Reporting company used your report improperly

Monday, XX/XX/XXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account Name : XXXX  Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

Account Name : XXXX  Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, XXXX  late payments. So why are you reporting it incorrectly? 

Inaccurate late payments like this are not only embarrassing, but they are preventing me from obtaining credit that I'm trying to apply for. I've already been in talks with some experts who have informed me that there are laws to ensure that credit bureaus only report accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditor 's part or both. 

I take this very seriously and I'm not going to stop contacting you until you remove this wrong information. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly. If it isn't done fast, I'm going to have to research what legal options are available to me against both you and the creditor. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.