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

The complaint is in reference of the account XXXX  Balance reported as of XX/XX/2020 - {$4800.00} : I could not keep that account open during COVD and could not make any payments. I call XXXX to try to work something out, but after not having a job for a few months, per the government, but their only solutions after the first month were for me to pay money that i did not have. I asked them to please not call me anymore or send letters if there was not a solution. ( I am a massage therapist ) I also did not get unemployment approved until 2 weeks before i went back to work and didn't get that til i went to work. 

According to the law, my credit is supposed to be private I did not give this company permission to put this information on my credit and eventually had to have a credit dispute agency send a letter accordingly. This account was removed from my credit reports, but has now re-appeared on my XXXX and Equifax reports. It is not being reported again on my XXXX. 

[ 15 U.S.C. 1681 ] Section 602 A states I have the right to privacy.

It aslo states : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

My information is again not being reported accurately on the 3 consumer reports.

15 U.S. Code 1692c - Communication in connection with debt collection c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except XXXX did not honor this and continually called me and sent letters for over 1.5 years Again, I did not give XXXX permission verbal or written to share my information. 
Last year i hired a credit disputing company. All of my information and the letters of communication XXXX sent is with Dispute My Credit I forwarded it all to them, but they only work on things for 1yr. and I can not afford to pay for another year. 
I can have all of these letters sent to you if needed, I can also pull my XXXX accounts from the last 2 years if needed.
Complaint sub-issue: Banking errors

Albert XXXX refused to honor the terms of the bonus that they offered. I can prove that they are breaking federal laws. I have screenshots from their website which will prove their crimes against me. I will be very specific with my CFPB complaint and I will not waste your time. I will only include the relevant details. I applied for a checking account and I was approved on XX/XX/2022. Albert XXXX was offering a {$500.00} bonus for new customers when I was approved. I met the requirements of the offer and they still refused to pay the bonus. I have included screenshots of the terms from XX/XX/2022. I met all of the requirements and Albert XXXX tried to avoid paying the bonus. Please stop Albert XXXX from taking advantage of their customers through false advertising. If you do your research you will see that Albert XXXX has a history of trying to scam their customers. 

I contacted Albert XXXX through their app on XX/XX/2022 and XX/XX/2022. They refused to provide any help to resolve the issue.
Complaint sub-issue: Didn't receive enough information to verify debt

Someone open accounts using my private info without authorization or disclosure.
Complaint sub-issue: Account information incorrect

I have requested for nel net and dept of education to change the balances on the loans I have a XXXX XXXX. The company promise to remove the balances to XXXX. The lender are not requesting for the loans that I have that are transferred/closed account. 
They are still sitting on my credit report appearing as double loans. They have the same account numbers, I really would like for the lenders to remove the closed loan accounts.
Complaint sub-issue: Confusing or misleading advertising about the credit card

Citibank sent me a promotional offer advertising " 0 % XXXX XXXX on Balance Transfers until XX/XX/2023. '' However, nowhere on that page ( or the back of the page ) was there any mention of a fee of " {$5.00} or 3 % of the amount of each transaction, whichever is greater. '' The point being that it is very deceptive advertising and I have been charged {$240.00} for having written XXXX balance transfer check for {$8000.00} and deposited it to my XXXX XXXX XXXX  account. When I realized the mistake I had made I paid the entire {$8000.00} back the very next day and promptly closed the account. 
Citibank needs to include the balance transfer fees right up front with the 0 % interest charge advertisement. Their failure to do so amounts to deceptive advertising and I'm sure I am not the first or only person be be deceived by their obviously underhanded technique. 
I'd like to have the {$240.00} I have been charged rescinded.
Complaint sub-issue: Investigation took too long

Equifax , Inc. does n't actually read and investigate credit report disputes. They have done nothing to correct obvious inaccurate information on my credit report despite having received countless disputes. 
They report that the actual amount of the last payment made for a XXXX account is {$0.00}, that is impossible. This was disputed on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX after every single dispute they failed to conduct an investigation as required by law and continue to report obvious errors. Had they actually investigated this would have been removed months ago. It is n't even my account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions. 

I have already filed a complaint to have this file removed from my credit report it was already removed from my XXXX but not on my XXXX and Equifax now I continue to get harassed with calls from multiple numbers which are disrespectful and also violating my rights 15 U.S.C 1681n civil liability for willful noncompliance states a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Complaint sub-issue: Personal information incorrect

Hello my name is XXXX XXXX I have submitted to the agencies over and over again about my personal information.The only address should be on file is XXXX XXXX XXXX  XXXX Nc XXXX. There's no other spelling in my name besides the one above.
Complaint sub-issue: Account status incorrect

XXXX XXXX, account opened XX/XX/2017 and Balance {$0.00}. This is a closed account but company is showing late payments and I have never been late on any payments.
Complaint sub-issue: Deposits and withdrawals

Ok so I received a check for a settlement loan company XXXX XXXX I had just opened up a.bank account with Citi bank I walked in branch to deposit check for XXXX $ $ the teller told. Me since it was a. New account I 'd have to wait five days ok that 's fine next day XXXX try to log in my online banking and it says no account t To display as if I did n't have A account so I call customer service spoke to some lady who tells me where I got this check from I tell her it 's a settlement loan then I said u.can call to verify if there 's an issue with check she says they tried calling to verify but that they were told account number check was drawn out of isnt a real account then she tells.me my card and any access to funds will b restricted til XX/XX/XXXX when they will know if check will be paid or not once again I have no access to my money if I was n't in need of my money why would I b asking for a loan it me just ridiculous and I do n't get how they can do that block my card and restrict access to my own money
Complaint sub-issue: Information belongs to someone else

I have had this item on my report since XX/XX/XXXX called " Dept of Treasury '' to the tune of {$37000.00} on my Equifax report. 

I have disputed this item several times, in 48 hours flat every time it comes back as " Verified '' considering it is pure fraud I'd love to know how that is possible, but of course Equifax will not share how it " Verified '' I have demanded to see my signature on this alleged " debt '' no signature was every produced yet it " verified '' In XX/XX/2015 New York State attorney general XXXX XXXX stated " The bureaus often outsource thousands of disputes daily to workers overseas who generally are told to translate the problem into a two- or three-digit code that is fed into a computer ; the code and any documentation are sent to the creditor. If the creditor verifies the information, no further investigation takes place '' This was to change but it appears it is still happening today over 3 years later ... ... 

No one is governing these people no one is enforcing ANY rules up them. 

Force these companies to show a signature or remove it. 

In todays world, the consumers input is less important than the bank or collectors input, said XXXX XXXX, credit expert at XXXX, adding that the credit agencies always take the companies word over consumers. The attorney generals settlement changes that. 

Let 's be honest this is a BUSINESS and the collection agencies PAY for this type of reporting, WE as consumers are not Equifax 's customer, they are!!! This is nothing shy of monopoly on credit reporting fraud. 

I have sent notarized letters to XXXX XXXX - XXXX XXXX XXXX - XXXX customer Care XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX and most importantly XXXX XXXX Both Via email and USPS mail to each and every one of them I have got ZERO response on this issue however in the time since I have had TWO disputes " Verified ''
Complaint sub-issue: Debt was paid

I paid a collection company and they haven't deleted it with the credit bureaus. I was led to believe on the phone that when payment was received they would remove it from my credit report with the 3 reporting agencies. I have tried to dispute with the credit bureaus and the company but had no success. Please assist me in getting this removed from my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There is fraudulent inquiries in my credit report that I do not recognize. These inquiries are XXXX XXXX with XXXX date ( XX/XX/XXXX ), XXXX with inquiry date ( XX/XX/XXXX ), & XXXX XXXX with inquiry dates ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ).
Complaint sub-issue: Old information reappears or never goes away

I have sent disputes to each credit bureau and they never respond, none of the items disputed are updated on my credit report or even listed as in dispute.
Complaint sub-issue: Charged too much interest

I was charged interest on a balance that was paid in full
Complaint sub-issue: Need information about my balance/terms

Originally consolidated student loans in XXXX timeframe of 2016. All loans were transferred to fedloan servicing as requested. Received documentation that all was fine and all $ XXXX balance was consolidated and placed on an income driven repayment per request. In XXXX for some reason a portion of the loans were returned and sent to collections ; the total is roughly XXXX. We contacted fedloans and due to the original application being over 6 months old we had to resubmit a consolidation app for the loans to be reprocessed out of default. A few concerns : 1. Loans were originally consolidated and should n't have been reversed 2. Should n't be in default as the original consolidation rectified that 3. XXXX is n't reflecting currently in default but am receiving collections attempts from XXXX Ultimately want to have the original consolidation back in place to include all the federal loans. There was no reason for the loans to be removed an placed in default after the original consolidation. There seems to be a breakdown in communication between debt management solutions, XXXX and fedloans servicing. We have attempted to resolve this matter to no avail. They are now stating/attempting to garnish wages and there should n't be due to the original consolidation.
Complaint sub-issue: Information belongs to someone else

I HAVE DISPUTED WITH EQUIFAX AND XXXX OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES, EQUIFAX AND XXXX STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Complaint sub-issue: Don't agree with the fees charged

I am in the Public Service Loan Forgiveness program, and I have made 120 qualifying payments towards my loan, and I have worked full-time for a qualifying employer during this period. I have completed all the paperwork FedLoan has requested, my employers have been approved during this time period, and I should qualify for loan forgiveness ; however, FedLoan is not counting nearly 80 of my qualifying payments. They have not given me a clear explanation as to why they are not counting these qualifying payments, and they have no date for when they will resolve the issue. In the meantime, I am due to pay over $ XXXX/mo in additional student loan payments next year, which I should not be required to pay because my remaining loan balance should be forgiven under this program, and which I will not be able to afford, which risks putting me into default.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 60 - 120 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) These accounts report a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This incorrect reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Complaint sub-issue: Investigation took more than 30 days

Hello, I contacted Equifax several times about issues pertaining to my credit report and my right my first attempt in XXXX then a complaint here in XXXX now again because they have yet to send me the documents I requested verification of debt how they verified the debt once mines and contracts bearing my signature. 
The following accounts raised concerns and I addressed them multiple times. 
It's been the past 30 days and I would like these accounts deleted from my credit report. 
* XXXX XXXX XXXX XXXX * XXXX XXXX * XXXX XXXX * XXXX XXXX
Complaint sub-issue: Account status incorrect

I am a XXXX mother raising XXXX XXXX. I have been targeted by lender and I feel this is based on my culture. I know that my counterparts many paid for school out of pocket. As a minority we are are the last hired at the lowest pay scales. I can accept that there is not much I can do about this type of discrimination. Now lender discrimination is a legal matter that should be addressed. I have on credit report 41 different accounts reporting of student loans. Each of these account have changed hands several time without any notice to me as the consumer. All accounts are showing negative payment history. Each lender has baited and switched these accounts for leveraging against me as single parent. I have received correspondence from the bureaus stating that they have removed an account or updated an account. When I look closer I see that they are still circumventing the rules. They are actually responding without even looking at the actual dispute because if I address 41 negative student loans account and the bureaus address one out of 41, they are still omitting the fact. As long as lenders are doing this XXXX XXXX and I have no future because we can not pay in full student loan debt. I am trying to get better rate but these lenders have my family captured by using this process.
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AL XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; 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 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
Complaint sub-issue: Information belongs to someone else

I have 3 accounts on my file that is a result of identity theft! This has been an on going issue with the credit bureaus regarding XXXX XXXX specifically!! The identity thief was convicted! I have sent 3 police reports within the last 2 years and this issue is still not resolved! The company continues to use the original application which was filled out and signed by the identity thief as reason to keep the items on my credit file! As a result of this I have suffered tremendously! Equifax refuses to comply with the FCRA and is using a fraudulent forged application as reason to not removed the fraud account! The other 2 accounts are collection accounts that was recently placed on my credit file on XX/XX/2019 these accounts were removed last year and RESOLD to a different collection agency, and put back on my credit file! Im filing this complaint because I want this issues resolved! I want it on record that I did everything in my power to resolve this matter before suing Equifax for damages! Please note that these accounts are ONLY on my Equifax credit file as the other 2 credit bureaus have investigated and removed these items.
Complaint sub-issue: Information belongs to someone else

I received a debt collection letter from XXXXXXXX XXXX   XXXX  in XXXX of XXXX. I submitted a debt validation letter that same month because I do not owe the stated debt. I sent my dispute letter certified mail and requested return receipt. The letter was delivered and I have a copy of the return receipt from the delivery. I did not receive a debt validation letter response from the collection agency within the 30 days time frame. It is a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to my verification letter. 

I disputed the collection on my credit report with all 3 credit reporting agencies ( Equifax, XXXX   XXXX ). XXXX and XXXX have both removed the collection from my credit. As of today XX/XX/XXXX, Equifax has not removed it from my credit. The account shows as " Consumer disputes this account information ''. Please help me remove this from my credit report. Equifax is the only company that has refused to remove it from my account.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX - XXXXXXXX XXXX XXXX Date opened XX/XX/2020 Balance {$210.00} / XXXX XXXX  ( Original creditor : T XXXX XXXX ) XXXX Date opened XX/XX/2020 Balance {$0.00} /
Complaint sub-issue: Information is missing that should be on the report

I feel these are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 60 days, so they should be erased immediately.
Complaint sub-issue: Information belongs to someone else

I reviewed my credit reports and see that there is this XXXX XXXX Credit Card AKA XXXX  XXXX   XXXX that I did not authorize to open in my name. This account was fraudulently opened in my name. The balance says I owe {$610.00}, which I do not. Please have this fraudulent account removed from my credit reports.