Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

In XX/XX/XXXX, I attempted to file an online dispute with Equifax. I answered all of the security questions correctly. I was denied access to filing a dispute online. I attempted to gain access a handful of times and was was again told " my identity could not be verified. '' I decided fine, I will pay for a one time credit report. I was given the same security questions I was provided before. I answered them the exact same way. I was granted access. My credit report was valid for 30 days. Now in XX/XX/XXXX, I have again attempted to file a dispute on my Equifax credit report. I have entered all of the correct demographic information and again have answered the security questions the same way I did before ( accurate based on what is reported on my credit report ). I am again being denied access and being told that I could not be verified. Today, XX/XX/2017 I called and spoke to Equifax. I explained my situation and I also explained that them forcing me to purchase my credit report in order to file a dispute is illegal. The representative told me there was nothing he could do to fix the online access but he can file a dispute for me over the phone. I explained I did not want to file a dispute on the phone, I want my issue corrected online and I would like to file my own dispute online. He repeated again that he does not have access to the online system. I asked him to transfer me to someone in his organization that can. He stated I could n't talk to anyone. I asked for a supervisor. I was transferred to a supervisor. She took my information after I explained my situation. She placed me on a long hold. She told me that all of my information looked correct. She offered to file a dispute over the phone. I again stated that I did not want to file a dispute over the phone. I indicated that I am not having this problem with XXXX or with XXXX. I stated again, I feel like they are forcing people to purchase their report online in order to file a dispute online and I think that is illegal. She stated there was nothing she could do with the online system. I asked to speak with someone who could. She stated that if she transferred me to a supervisor they were going to probably say the same thing. I said to her " I thought I was speaking to a supervisor. '' She stumbled on her words and then stated " if I transfer you to another supervisor. '' I asked her to transfer me. She placed me on a long hold. I hung up.
Complaint sub-issue: Information belongs to someone else

I am a victim of I Identity Theft. I have sent in FTC Affidavit relating to the XXXX XXXX and EQUIFAX data breaches with addresses, names, XXXX, and accounts that were not mine While waiting for remedy, a new collection from XXXX XXXX appeared in the mist of dispute showing a new account had opened. I never consented or knew of this debt. this debt was disputed previously deleted and has illegally reappeared as a new account. I have never consented nor ever had applied for account. 
FRCA laws and U.S.C 1681 states reaging and knowingly reporting inaccurates and fraudulant are a violations. to my consumer rights. 
Also the XXXX late payment showing from XXXX XXXX should been deleted for during the XXXX XXXX XXXX, credit agencies may not report adverse payments to a consumers report. I have spoken to bank and they updated to good standing but Credit agencies still showing incorrect and misleading info. 
I am requesting these acccounts to be deleted. 
XXXX XXXX XXXXXXXX {$2700.00} date opened XX/XX/2022 XXXX XXXX XXXX XXXX {$120.00} date XXXX XXXX XXXX XXXX paid off XXXX XXXX XXXXXXXX XXXX off XXXX XXXX XXXX XXXX  XXXX off XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I sent multiple credit dispute with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus mist abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Complaint sub-issue: Received bad information about your loan

After graduating from XXXX in 2013, I refinanced my loan with Nelnet. In XXXX of 2013, I called Nelnet and they gave me an incorrect payoff amount for one of my loans. I subsequently payed off the loans on XX/XX/2013. 5 years later, i discovered that I had a {$110.00} balance on my loan ( ~ {$50.00} of principal and the remainder interest that accumulated over he 5 years ), which Nelnet said was 180 days past due. I only discovered this balance when I found it on my credit report.

When I called to resolve, they said that paying off the loan deferred the payment for 5 years, and that they attempted to contact me about it even though they had the incorrect email address on file.

I have paid off the loan in full now, but I want the late payment taken off my credit report since they gave me the incorrect payoff amount on the loan and subsequent emails said my payment was {$0.00} for 5 years. Could you please help me to resolve?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX ; # XXXX 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: Threatened to sue on too old debt

i got a call from a number with a partial voice mail i didnt know who it was so i left a voicemail to contacted back and when they called back a couple days later they said they were lincoln XXXX to collect a 10 year old bank debt for US Bank and that they had been sending information to address in another state i lived in which was XXXX Missouri and i believe i paid the debt or was in XXXX already for the debt and i have been having a bank accoumt since 2010 and they threatend to garnish wages and take me to court for the debt and tried to scare me into paying i told het i would pay and made arrangment to pay but after further investgting i realized they were a fraudulent company and i asked to b sent papets in writing about the said debt and she said she will but never asked me for my address but i did text my current identafication with current address and a copy of my debit card but i changed my information to my debit card because i know i should not still owr the debt and it doesnt come up on my credit and US Bank has no record of a debt that i owe them and said i could open an acct with rhem if i wanted to..
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX 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: Personal information incorrect

PLEASE CORRECT THE INFORMATION REPORTING ON MY PERSONAL CREDIT REPORT DUE TO IDENTITY THEFT.
Complaint sub-issue: Account status incorrect

XXXX  and Equifax both have a statement or Narrative on two of my XXXX  XXXX accounts and my XXXX XXXX XXXX account that says something like " Customer Disputes, Resolution Resolved '' These statements need to be removed as I did not authorize you or the creditor to put those on my accounts. XXXX has already removed them because they understand that as the consumer I have rights that are protected under the FCRA. These statements are harming me and I am demanding that they be removed or we can go a legal route to resolve the issue. You can see the response of XXXX Below and I am expecting the same from XXXX and Equifax I have already spoken with the creditors and they agree that the statements should not be on my reports but yet you are placing it on there. Remove immediately. 

Company responded XXXX XXXX responded on XX/XX/2019 Response Type Closed with non-monetary relief Company 's  Response We have reviewed your complaint along with the information you provided regarding this issue. In response to your request, we have removed the dispute remarks appearing on the two XXXX XXXX accounts, as well as the XXXX XXXX # XXXX account, from your XXXX credit report. Please contact the data furnishers directly to ensure they are reporting the most accurate up to date account information. Also, please contact Equifax and XXXX directly regarding the accuracy of your Equifax and XXXX  credit reports. In order to protect your privacy, we will mail an updated copy of your credit report to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, XXXX, XXXX XXXX  XXXX XXXX  ET. Please visit XXXX XXXX XXXX for frequently asked questions about your credit report. 
DESCRIPTION OF NON-MONETARY RELIEF We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. All items identified in your complaint have been updated.
Complaint sub-issue: Account status incorrect

On XX/XX/2022 I was in the process of correcting my credit report blemishes by paying off past debts I owed to improve my overall credit rating for the future. I contacted XXXX XXXX and was informed that I was in collections for a past due amount of {$680.00} which I paid in full as shown in attachment. On my credit report they are listed as an open account XXXX and debt was settled for lesser amount which is completely false and has an impact on my overall score. This is in violation to my rights under the fair credit reporting act.
Complaint sub-issue: Debt is not yours

On or about XX/XX/2019 I received a notification that a collection account was on my credit report from IC Systems. On XX/XX/2019 I sent IC Systems a Cease and Desist and request for validation as per FDCPA, requesting validation of the debt through : All documents, including electronic records or images, which bear my signature and which concern the debt being collected ; A ledger, account card, account statement copy, or similar record, whether paper or electronic, which reflects the date and amount of payments, credits, balances, and charges concerning the debt, including but not limited to interest, fees, charges or expenses incidental to the principal obligation which the creditor is expressly authorized to collect by the agreement creating the debt or permitted to collect by law ; The name and address of the original creditor, if different from the collecting creditor ; and A copy of proof that you are authorized to collect this debt from the original creditor. 
This letter was received by IC System on XX/XX/2019. They replied with a letter XX/XX/XXXX that included printouts of some account. They did not include anything that bared my signature, did not include a full account summary, or proof that they are authorized to collect this debt from the original creditor. 
Furthermore, I have not had an account with the original creditor during this time nor in the state listed in their reply.
Complaint sub-issue: Debt is not yours

I C SYSTEM Has been sending me collection notice in the amount of {$300.00} the collection has been reported past due. I do not know this company. I have never done any business with this company. This company do not have a contract with my signature.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : # # # # # # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : XXXX 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 a account without my written instructions
Complaint sub-issue: Information belongs to someone else

Starting on XX/XX/2016 I started the process of Disputing debt through XXXX XXXX who was reporting 10 accounts to my credit reports, all the same, account number but different amounts totaling {$570000.00}. I first sent a letter XX/XX/2016, XX/XX/2016 and again on XX/XX/2016 to all 3 credit reporting agencies. I explained these accounts did not belong to me and were unverifiable. All accounts did not meet the XXXX XXXX compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. 

I provided copies of my 20 different letters copy of my signature required service via XXXX and evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance within the allowed 30 days. 

" I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''
Complaint sub-issue: Problem during payment process

I went to pay my bill at the office of this company the day that it was due but the office was closed so I was unable to make the payment. I paid it the next day at their office because their website was unavailable to me to use and they reported m e 30 days late when it was only 1 day late   and it was only because their office was closed.
Complaint sub-issue: Other problem getting your report or credit score

All I am asking is that Equifax kindly have my new address ( not new anymore ) inputted into the system and continue my security freeze which I am entitled to according to OR laws surrounding this issue. My complaint is I have not been able to lift this freeze on my own. The automated system will NOT allow me to do it. I have been denied credit because I can not lift the freeze. Equifax has told me in the past they will remove the security freeze, but that 's not what I 'm asking for. I 'm asking for 1. your records to match my actual address 2. I have a password that will work when I call to lift the freeze on my own and 3. that the security freeze REMAIN on my file.
Eqifax responded to my most recent complaint by merely removing my security freeze. This brings me back to step one ;  something I completed with all XXXX reporting agencies two years ago ; Equifax is the only one I 'm still fighting with. I  am protected by Oregon law. I had a security breach in XXXX, NV dated XX/XX/XXXX. I merely MOVED to OR, and have not been able to access Equifax credit after sending in a copy of this police report, my OR DL, a billing statement to prove my address in to Equifax. Since then I have attempted to write, call, include other agencies, all but taking legal action which is the next step as Eq has given me no other choice ; for whatever reasons my issue is still NOT resolved. Equifax, is this truly how difficult it is to have something so very simple taken care of? I am baffled. Like I said, you sent the attached letter to me over a year ago, verbatim. I have n't lived at that address since XX/XX/XXXX. I do n't understand why it 's taken so much time and energy, and it is still not fixed. Can someone with actual authority tell me? Furthermore you informed CFPB in response to my last complaint that you mailed a complimentary credit report. I never received it ; just the attached letter stating you have finally updated my records. PLEASE fix this problem.
Complaint sub-issue: Account status incorrect

Fedloan Serving is also reporting that I had student loan accounts with them in excess of XXXX days past due, many of which are greater than XXXX years old. At no time did I ever had any written correspondence from Fedloan Serving indicating I had past due loans.
Complaint sub-issue: Card opened as result of identity theft or fraud

This bank closed my accounts and ended their relationship with me and then sent me a refund check which I received but when I deposited it at my bank they cant find the deposit their is something wrong I have called Pnc to inform them of this issue with the check they sent me
Complaint sub-issue: Information belongs to someone else

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following items are listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$58.00} ; XXXX  XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$170.00}
Complaint sub-issue: Information belongs to someone else

My identity has been compromised. I tried to file my tax return and the tax professional told me that my social security had been used already to file tax returns. I had to contact the IRS to take measures. I soon received a call from a collection company as well that I owed them money. Everything was making sense after I found out my identity had been compromised. My name and social security has been used for quite some time now and there was several accounts that had been open under my name. These things on my credit are not mine. Please remove these things from my report. 

XXXX XXXX XXXX {$680.00} XXXX XXXX   XXXX {$550.00} XXXX XXXX XXXX {$840.00} XXXX XXXX   XXXX {$790.00}
Complaint sub-issue: Problem during payment process

Equifax has been non-compliant with removing the unverified account Bankruptcy Voluntary CH-XXXX which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that Bankruptcy Voluntary CH-XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Attempted to collect wrong amount

Citi Bank was collected more debt with charged extra interest on my CitiBusiness Platinum Select Card on APR 10.99 % to 20.99 % over 10 years, even if this Card had been closed since XXXX. And I had call and ask them to take a settlement for stop charge any more extra interest during this card closed, buy them refused and continuing to collecting the extra debt till I paid off last balance {$65.00} on XX/XX/XXXX. So, I want to claim Citi bank refund {$8000.00} as compensation.
Complaint sub-issue: Account information incorrect

XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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: Trouble with how payments are being handled

My loan was transferred over to XXXX XXXX In XX/XX/XXXX as the result of me filling out paperwork regarding student loan forgiveness for being a XXXX XXXX. Prior to this transfer and after this transfer I was making additional payment towards my loans above what was due monthly. These payments were applied towards future payments and each month I would receive a statement that no payment was due. I eventually stopped making these additional payments and continued to receive statements that no payment was due. Around XXXX of XXXX I received a statement indicating that a payment was due and that all of the payment would be applied to outstanding interest. Subsequent statements after this indicated the same. When I contacted XXXX XXXX they indicated interest was accumulating the entire time and that I would have had to have made payments each month to cover that interest to avoid this. The company did send me a payment history that indicated each payment received a part of it was being applied towards principal and part of it was being applied toward interest so it didnt help explain why interest would still be do. 

The underlying issue is the statements received during XXXX through XXXX never indicated payment was due during that time and made no mention that interest would continue to accrue and payment would need to be made to avoid this. The way the servicer applied my payments and issued statements was an unfair and deceptive act and practice as the statements should have indicated interest was accruing and a payment should have been in fact due to keep the loan current. This ultimately has made my loan cost significantly more in interest that it should have causing harm to me.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX credit bureaus was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXXXXXX