Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

I asked to Nelnet/U.S Department of Education to provide proof that I consented to student loan debt and explain their reporting of information to credit bureaus and prove that they are in fact valid debt collectors in accordance to 1692 law definitions. I have repeatedly contact them ( Cease and desist letter on XX/XX/2019 and another letter of information request on XX/XX/2019 ).
Complaint sub-issue: Was not notified of investigation status or results

On XXXX, I sent a letter regarding inaccurate and unknown items on my credit report. Til this day, over 60 days later I have not received a repsonse yet. I feel like I am being taken advantage of and ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within a 30 day time frame gives a reason to immediately remove those items from my credit report. It has been over 60 days and should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the 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: Debt is not yours

This entire debt is fraudulent, if you XXXX  this company multiple people complain that the company is not real and its fraud and its for a collection for XXXX Ive never had XXXX.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. XXXX  XXXX ( XXXX ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

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

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

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

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

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

15 U.S.C. 1681 Section 602 A : I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX & XX/XX/XXXX. I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 90 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is primarily stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a litigation due to the stress you caused me.
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 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Investigation took more than 30 days

On XX/XX/2022, I wrote to XXXX, XXXX, Equifax requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time. I still have not have not received any form of communication regarding they matter.
Complaint sub-issue: Received bad information about your loan

As a incoming freshman at XXXX XXXX XXXX XXXX  from XXXX to XXXX, when I apply for financial aid to get into college, My mom and I applied for the federal pell grant which I did qualify for, and it covered everything i needed for school, but when it was time to sign the paperwork to complete the process to receive the federal pell grant, it was said to me that I qualified for the federal loan as well. So coming from a low-income single family home, and to be told that I come receive {$6000.00} thousands dollars each semester for 4 years, I feel as though I was pressured into getting the federal loan, because it wasn't explained to me about the obligations that came with getting a federal loan, the only explanation that I received was, the amount of money I would receive in addition to the pell grant and that the loan money was extra money I could pocket. Now being a incoming freshman who needed money coming from a low-income single family home, yes I took it, who wouldn't. 
If I had known about the obligations of a federal loan, I wouldn't have considered about taken the loan, because coming from a low-class income single parent home, I knew my mom or me wouldn't been able to pay it back. 
Now I find it difficult to pay back the amount of money I owe on my loans and build my credit to lenders qualifications, because my student loans blocks me from getting money to build a future for my family. 
So i'm asking if I could get considered for the student forgiveness program
Complaint sub-issue: Account information incorrect

While reviewing my XXXX credit report, I noticed that I am documented as having late payments from XX/XX/XXXX - XX/XX/XXXX for my XXXX card account. 

I contacted XXXX directly and was informed that XXXX is not showing any late payments on my account and suggested to request an investigation to be conducted. 

I would like an investigation and confirmation that these late payments on my credit reports belong to me.
Complaint sub-issue: Their investigation did not fix an error on your report

Years ago I had a XXXX credit card.XXXX  went out of buisness and I assumed the account was closed.The XXXX credit card was through XXXX XXXX XXXX.Then, for some reason, I ended up with a shop your way card from XXXX that showed up on my credit reports.I never signed up for a shop your way card through XXXX nor did i ask for my XXXX card to transfer over to XXXX XXXX XXXX card.I never asked for a increase for credit for shop your way card or ask XXXX to reopen the XXXX XXXX XXXX card when they said it was denied.XXXX  needs to provide proof that i signed up for a XXXX XXXX XXXX card or asked to reopen or increase in credit.Never had a option to opt out as well.On XX/XX/2020 at XXXX I called customer service and spoke to " XXXX '' ( # XXXX ) and she stated she doesnt have any paper work and cant provide any paper work to me. 

card number ... XXXX member since..XX/XX/XXXX valid thru ... .XX/XX/XXXX account closed on ... .XX/XX/XXXX or XX/XX/XXXX
Complaint sub-issue: Investigation took more than 30 days

XXXX exquifax XXXX report close accounts over 1000 days old and illegally sell accounts with a illegal collection process If u had a bankruptcy dismissal because U become permanent XXXX Closed account that was sold dismiss payed off still get reported a reported collection account thats not yours just pop up at any given time How u argue with me like Im lying about a account that can not be verified I been apart of the credit bureau breach Its still not fix so I have to suffer for their breach as well as the daily problems We in a pandemic but they dont give a s Sad system main focus is to keep certain people permanently down How I supposed to apply for a house loan when credit bureau report closed account accounts that not mine
Complaint sub-issue: Trouble getting, activating, or registering a card

I'm trying to build credit and FirstProgress charged me for a credit application {$29.00}. 

They sent an email asking for me to upload documents on their site, but the site doesn't work. The phone number for help can not deal with applications at all, they have no ability to help. 

They said to post the info. I post the info and got no response. 

I called several more times and was told to just send more letters. I sent another letter and got no response. 

The application status page says " We are unable to provide you with additional information about your application at this time. Please contact XXXX if you need assistance. '' I've spoken with them and they cant help or do anything. At this point they have charged me {$29.00} for an application and are now ignoring all correspondents from me. 

They have stolen my money. Also the {$29.00} was to get a fast application. I already have a credit card with other people now as this prosess has been going on for weeks and weeks
Complaint sub-issue: Information belongs to someone else

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$2600.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$9400.00} XXXX XXXX XXXX XXXX Balance Owed : {$5700.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX Owed : {$13000.00}.
Complaint sub-issue: Confusing or misleading advertising or marketing

XXXX I purchased a vehicle from CARVANA which this XXXX claims to have a easy and next day delivery process XXXX weeks is very unacceptable for a vehicle to be delivered first problem was the vehicles couldnt be registered in Massachusetts because they didnt renew their regulations for the state, which is absurd because this is a car delivery service unacceptable. This process has also costed me financial stress due to constantly rescheduling this vehicle delivery
Complaint sub-issue: Card opened as result of identity theft or fraud

I HAVE SENT A NUMEROUS REQUESTS, ASKING TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I AM VICTIM OF AN IDENTITY THEFT REPORT. THS ACCOUNT AND THE CHARGES DONT BELONG TO ME. SOMEONE STOLE MY INFORMATION THEY HACKED INTO MY MAIL BOX, MY EMAIL WAS ALSO HACKED. BEING A VICTIM I HAVE NO IDEA HOW ELSE TO SAY THAT THIS ACCOUNT IS NOT MINE.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX who is submitting this CFPB complaint myself. I have always made my payments on time. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting Equifax Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the repossession was posted. Unfortunately, there was no successful resolution provided nor feedback heard from Equifax. There was definitely an error on their part. There was definitely an error on their part. Equifax is condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY. 

( XXXX XXXX XXXX XXXX )
Complaint sub-issue: Public record information inaccurate

The credit bureau is reporting a public record ( Bankruptcy ) that is inaccurate. After disputing this credit bureau reported that it is a valid item and will not be deleted. This company uses XXXX as a third-party provider, therefore they have not verified the information with the actual court. XXXX just like any other bureau is bound to report incorrect information. 

Furthermore, XXXX which is a third-party data provider for this credit bureau reports on public records , however when I asked XXXX how they verify protected public information on public records due to ss # redaction and certain sensitive personal information that is redacted they advised me that they sometimes try to match information by name or address which can be incorrect at times. So this information is not fully verifiable unless the credit bureau calls the bankruptcy court to verify, which again the court will redact information and is not allowed to share " personal information, such as socials by law ''. 

I attempted to fix this by calling the bankruptcy court listed on the public record " XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX '' and was advised that they do not report to any credit bureau and therefore they can't fix any error reported by XXXX, XXXX, Equifax, and or XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

There are many errors within this listing. Thoroughly investigate and please update for lawful accuracy. Below are the inaccurate items from my credit report : Charge-off 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: Information belongs to someone else

These are not my accounts listed. I have submitted my correct address with a utility bill and I can assure that I am not a credit repair company nor am I a mortgage company. Please remove these accounts.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My complaint is about Credco / XXXX, I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. I did not authorize an inquiry on my XXXX on XX/XX/2019. Please remove immediately. 
XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

I have been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report.
Complaint sub-issue: Investigation took more than 30 days

The bureaus not following the law.. They have not provided me with any of my investigation results.. I have sent out several disputes and they are not complying with the law.. I demand concerns be resolved and deleted off my credit report.
Complaint sub-issue: Problem with fees

I obtained a Balance Transfer from Discover Card. I paid 3 % for the balance transfer of {$12000.00}, which totaled {$12000.00}. 

The next month, Discover, debited my checking account for the entire {$12000.00}. When I called to explain that the payment was to be limited to {$750.00}, I was advised that the system had submitted an aoutomatic payment for the full amount. 

I explained that I had an outstanding check for {$15000.00}, but I was advised nothing could be done to return the money. Instead, I was advised that it would take at least a week to return the money. When I asked for my {$360.00} Balance Transfer fee to be returned, I was advised that this would not be possible.
Complaint sub-issue: Information belongs to someone else

Equifax is reporting the same fraudulent account to my credit report again. 

XXXX XXXX - XXXX They removed it last year after I filed a CFPB and a police report, but here they are again for the 3rd year in a row posting this same fraudulent account!
Complaint sub-issue: Old information reappears or never goes away

I contact the bureaus to have information updated and removed, however still appears.
Complaint sub-issue: Debt was discharged in bankruptcy

There are XXXX accounts on my credit report that show open and in collections. The XXXX accounts were included in the Bankruptcy Chapter XXXX filed in XXXX XXXX. The United States Bankruptcy XXXX granted a discharge in XXXX XXXX, XX/XX/XXXX.I have filed a dispute in XXXX XXXX with XXXX in regards to have the XXXX accounts debt removed from my credit report. As of today, it still shows on my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX 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 a account without my written instructions
Complaint sub-issue: Information is missing that should be on the report

I had a loan for a vehicle that went to my ex wife. She chose not to pay the loan so I was in contact with XXXX XXXX XXXX XXXX that had the loan and gave them the location of the vehicle so they could repo the vehicle. I did n't want the vehicle and they said they would sell it and I could pay the difference off. I agreed and payed the vehicle off on XXXX XXXX XXXX. I went to buy a house XXXX of XXXX and noticed it did n't say paid in full. I asked them to please state this on my credit report. They did but put it as paid in full on XXXX of XXXX, not XXXX XXXX. Now I have to live with this on my credit report for another 7 years or maybe 10 years until it drops off my credit. They wo n't help with this. I would like to dispute this reporting so I can get my credit where it belongs.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX Citibank Credit Card notified me via of unusual charges. I reviewed them and completed their online dispute form they provided. My card had been stolen and used to quickly charge over {$2000.00}. 
They closed the account and swiftly provided new cards. This is the only thing they did fast. 
XX/XX/XXXX The fraudulent charges were moved to the new card. I called and was assured by the phone rep that all would be well and it takes about 30 days to resolve. 
XX/XX/XXXX -nothing. So I called again. " XXXX '' ( Citi policy prohibits providing last names ) Says no disputed charges appear. We reviewed everything again, including each bad charge. She provided case # XXXX. She indicated that it had not been handled properly by the previous rep. She stated on a recorded line ( I asked if it was recorded and she said yes. ) that all should be handled in a few days. 
XX/XX/XXXX Citi emails me a standard template saying that due to the billing dispute my minimum payment due to be $ XXXX.I read this to mean no interest will be charged if I pay {$25.00}, but it is not clearly stated. 
XX/XX/XXXX I get a voicemail from Citi Security " XXXX '' regarding my case. I call back and another rep asks me standard questions like where was the card stolen, re-confirms the bad charges etc. Says, ok, that in a few days the charges will be removed from my account. 
XX/XX/XXXX charges remain on the account. No word from Citi. I also notice that an email I sent them on XX/XX/XXXX remains " unread '' in the Citi online message center. 

They have botched this to such a degree its just sad. They made sure I got a new card right away, but are dragging their feet to address the fraud charges.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX  - XX/XX/05 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Complaint sub-issue: Information belongs to someone else

Ive been trying to get a home loan and everyone is telling me that there are two collections on my account that is preventing me to move forward. I pulled my credit and there are those two accounts that are not mine. I have reached out to the FTC and my police. Please help as Im doing this on my own behalf. Please remove them from my credit this is holding me up on having a better living situation XXXX XXXX XXXX and XXXX XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2018 I contacted Equifax in regards to an account namely : XXXX XXXX XXXX XXXX XXXX, which appears on my credit file. This is NOT my account and I have made several attempts to have this item block from my credit profile. 

I have suppressed my personal information with XXXX XXXX and I have corresponded with the circuit court of XXXX county, AL which indicated in a letter to me that they do not report information to the credit bureaus.
Complaint sub-issue: Problem with statement of dispute

Equifax removed the historical account and did not remove the historical late payments codes, they also state that the account is {$380.00} past due when it is not i have attached a statement. its clear they 're not verifying correctly.
Complaint sub-issue: Problem accessing account

TIAA Bank has informed me that they will no longer allow me online access to my accounts. No reason for this decision has been given. TIAA Bank has also informed me that no only will they no longer allow online access to my accounts, but they will also charge me {$25.00} for a paper copy of my statements, which they call a " research fee '' for a basic account service.
Complaint sub-issue: Can't use card to make purchases

Whenever I called they wouldnt issue a replacement card when I saw charges that werent mines they credit some but not all. And eventually they made it where some how they couldnt verify me and told me that I have to call them with my work phone and after months I stopped trying but still made on time payments. Not they told me I havent made a payment with them well Im not able to access my account and Im not able to pay what I cant see even once I paid for it theres no available credit that I can use its Messed up