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

In XXXX of 2012 I inquired about obtaining a degree in XXXX. I was soon bombarded by phone calls from the XXXX XXXX and finally was scheduled for an in person meeting with a counselor in the XXXX XXXX, NJ location. I was XXXX years old and unsure of what I wanted to do with my life. My counselor convinced me that the medical assistant program was for me because I would be certified in 9 months and XXXX would help me secure a job after my graduation. Even when I hesitated and told my counselor I wanted to possibly start in XX/XX/XXXX, he insistent that I start by XX/XX/XXXX, meaning I had less than 3 weeks between my first introduction to the XXXX XXXX, to when I would start the medical assisting program. This was short time to make a decision. When I met with the financial services representatives at XXXX they quickly told me they could secure a loan with the Genesis Lending Services to cover the cost of school remaining after federal loans. Again, I was XXXX years old and did not have a parent or guardian present to help with my decision ; just the knowledge that I was now starting school in less than 3 weeks and needed the funds to pay for it. The interest of my loan or how long it would take me to finish payments was never explained to me. I feel the XXXX XXXX in XXXX XXXX, NJ pressured me into enrollment and further more encouraged me to make an irresponsible decision in obtaining a private loan from the Genesis Lending Service.
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 1XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX  - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX XXXX- account XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX- account XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX- account XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX account XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX  XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXXXXXX XXXX  - XXXX XXXX XXXX has violated my rights. 
XXXX. XXXX  - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX - account # XXXX, has violated my rights. 
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 states : a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c ( 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 antidotes the Report by more than seven years.

15 U.S.C 1681 s-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 reason to believe that the information is inaccurate.

These accounts also still contain inaccuracies.
Complaint sub-issue: Account information incorrect

I bought this house on XXXX XXXX in XXXX Mississippi in XXXX. XXXX shows a purchase date of XXXX. This is taking away 10 years of my credit history as I'm trying to buy a new home. XXXX says that I have to locate my paperwork from XXXX to prove that was when I bought the house. I bought it in XXXX and not in XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and equiofax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifa are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.My credit report includes the following erroneous information that needs to be investigated and correct : XXXX OF XXXX XXXX Date Opened : XX/XX/2017 Balance : {$2200.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I am sending a complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file.When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$140.00} ;
Complaint sub-issue: Company closed your account

I opened my Citi Bank XXXX XXXX in XXXX. I was a Platinum card holder never missing a payment in over 30 years. For thirty years, I have been a loyal faithful customer always paying on time. I was sent a letter closing my account with no notice. My card was supposed to expire in XXXX. I had no notice other than a cancellation notice. I contacted Citi Bank who connected me to an off shore call center. They did not care that I was a loyal customer for 30 years. They did not care that my credit rating was over 800. Due to the fact I have been a thirty year credit card customer, I had a substantial credit rewards in the thousands of unclaimed points. It was worth a lot of money of unclaimed rewards for discounts at restaurants and stores. I was laid off 3 years ago and have had to cut back on my spending. I have kept my spending in check since I no longer work and on a very limited fixed income. I was told that because I did not use their Citi Bank XXXXXXXX XXXX I was being cancelled by the company. They did not care that I lost thousands of credit rewards points or that my cancelling my card I have had for thirty years that my Credit Rating Score go down since I opened the card in XXXX. 
I told them I was filing a complaint with the Federal Trade Commission and Citi Bank could have cared less as they seemed not to respect the FTC. I want to be reinstated with all of my unclaimed credit rewards points reinstated after 30 years as a customer.
Complaint sub-issue: Information belongs to someone else

I Tried reaching out to this Bureau several times about accounts that are reporting on my credit that do not belong to me! this information is fraudulent and i want it investigated and removed from my credit report.
Complaint sub-issue: Account status incorrect

This debt collector has illegally parked an alleged debt from XXXX XXXX on my credit report without first validating the debt with me via mail. I do know that this is illegal & a violation of the FDCPA
Complaint sub-issue: Their investigation did not fix an error on your report

I've recently sent in a dispute for correction on my credit report, and nothing has changed. it seems Equifax failed to do a proper investigation required by law. Inquries still remains on my credit report ( hard and soft ) as Ive had no business with these organizations. Also charge offs still remains, and late payments hasn't been placed in current status either. I'm sending in XXXX last and final dispute letter before I go into federal courts if Equifax continues to defame my character and cause me more emotional distress, XXXX XXXX XXXX. I'm being denied credit due to these inaccuracies of debt. Equifax has assumed a vital role in my consumer affairs, so im demanding that they correct my credit report before a suit be filed against them.
Complaint sub-issue: Their investigation did not fix an error on your report

The file reported is inaccurate and erroneous and is leading to a negative impact on my file. 
3 credit bureaus are required to authenticate this account under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below ; XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/22 Balance : {$0.00}. I respectfully request that XXXX credit bureaus would take a step to update that wrong information from my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By submitting this complaint, the Credit Bureaus must comply with my request either by proving that the information is accurate or remove the actions of their bureau.
Complaint sub-issue: Reporting company used your report improperly

In accordance with The Fair Credit Reporting Act ( FCRA ), the following has violated my rights : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX Account Number : XXXX Account Name ; 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 also states a consumer reporting agency can not furnish a account without my written instructions.
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. 

15 U.S.C 1681 section 602 A. States I have the rights 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: Was not notified of investigation status or results

I submitted a letter on XX/XX/2020 regarding unknown and inaccurate information on my credit report. As of this date ( XX/XX/2020 ), which is more than 60 days later, I still have not received any response. I am under the impression my disputes, my claims, as well as myself are being disregarded and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of unauthorized individuals.
Complaint sub-issue: Their investigation did not fix an error on your report

Date : XX/XX/22, I sent out a letters XXXX, to XXXX, XXXX, Equifax. Here is my tracking number ; during this investigation they said everything was 100 % accurate and XXXX said theyre not reinvestigating my items too. 

15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know more about who did they speak with? 
How did they complete this investigation? This doesnt correspond to the definition. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. 

I would like to how does XXXX hold the right to say, They will no longer further investigate. When 15 U.S. Code 1681i, says theres not limitation to reinvestigation if the report is determined inaccurate, as you can clearly see theres no proper investigation being conducted
Complaint sub-issue: Information is missing that should be on the report

for no reason at all they drop my cr score -33 pts
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed three ( 3 ) accounts from XXXX XXXX more than three ( 3 ) times with Equifax, XXXX  and XXXX. These accounts are listed as : XXXX XXXX : {$580.00} XXXX XXXX : {$610.00} XXXX XXXX : {$400.00} XXXX XXXX is reporting this inaccurate information to all three credit bureaus. I have the right to a fair and accurate credit report,
Complaint sub-issue: Unable to open an account

XX/XX/20 I went through online application process to open up a money market account on the Ally web site, link : https : //secure.ally.com/open-account? & XXXX About a week later, I received the attached letter saying Ally could not open an account for me. Reason given : Unable to verify applicants identity. 

XX/XX/20 I called the phone number on the letter. I asked what information sources they used to come up with the reason. The representative replied that all the information available is in the letter. 

XX/XX/20 Later that day, I tried the Ally Chat tool to ask again. Could they tell me what credit report they used?, I asked. All they could tell me was that they used a soft credit check, but could not tell me any more than was written in the letter.
Complaint sub-issue: Account status incorrect

I had a credit with XXXX. The continue to report the status of the account as 60 days past due to 2 of the credit bureaus. This makes an account that is closed and paid in full report as an active delinquent account. they failed to report payments made after a missed payment which would have taken the account back to current status with the credit bureaus. They knowingly are doing this to keep this account delinquent seeing I closed the account after issues with their system accuracy. The account was never 60 days past due
Complaint sub-issue: Personal information incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is reporting on my Credit Reports and needs to delete immediately : Wrong Address : XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Debt was paid

AFNI has put on my credit bureau for XXXX XXXX XXXX XXXX about owing {$450.00} which was settled XX/XX/XXXX and proof of this was sent to XXXX XXXX XXXX but it hit my credit report from this company as if it was done just XX/XX/XXXX. Which is not true. Also this company has called and left automated messages that have left my account number on my family 's answering machines with no company name or phone number to call back. no phone number comes up on caller id either. I have pulled my CBR and it shows that this company is not even reporting. I have placed disputes on my credit bureau for this company.
Complaint sub-issue: Debt is not yours

I have contacted this company and told them that this debt has nothing to do with me and they still have not removed off of credit.
Complaint sub-issue: Can't close your account

I put a hold on my account because i believed someone had logged in and transfered money between accounts and set up a XXXX  account. Unemployment placed a reverse withdrawal from my account and now its negative apprx {$980.00}. I have went to a bank and called to have my accounts closed and to open mew ones and i keep getting referred to the fraud dept and no one has returned my calls.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX and I am a victim of Identity Theft. I previously submitted a dispute, but it wasn't properly investigated. They completed my dispute without receiving my Police Report and ID Theft Report. The following accounts were fraudulently opened in my name : XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX  XXXX XXXX  Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX. 
Opened : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX Opened : Unknown Amt. Unknown XXXX XXXX XXXX. 
Opened : Unknown Amt. Unknown The following inquiries were also fraudulently opened in my name : XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Not given enough info to verify debt

I get a medical bill on my acct who was paid by my insurance before turned over to a collection agency on my XXXX credit report
Complaint sub-issue: Trouble with how payments are being handled

Loan Type : Federal. The XXXX XXXX XXXX XXXX ( XXXX ) at Pennsylvania Higher Education Assistance Agency ( PHEAA ) performed a review of my account. However, they provided some serious inaccuracies regarding the review. PHEAA responded that I submitted an Employment Certification Form ( ECF ) confirming your employment at XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, XXXX however, I have written them at least three letters advising them that I have submitted two other ECFs ; in XX/XX/XXXX, and on XX/XX/XXXX. The ECF submitted on XX/XX/XXXX advised that I had been employed with the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, from XX/XX/XXXX until XX/XX/XXXX. PHEAA further responded that did not begin to repay your XXXX XXXX XXXX Federal Direct ( Direct ) Consolidation loan disbursed XX/XX/XXXX until XX/XX/XXXX. This is incorrect, I started repayment in XX/XX/XXXX, and had no forbearances or deferments. I have requested and have not received a full accounting of my payments. In addition, while PHEAA responded I made payment under an ineligible plan, they neglected to state I made the payments under the standard payment plan, and I have continued to do so to present date. PHEAA has not properly credit my payments under the PSLF payment plan. The balance of {$22.00}, XXXX should have been paid off or forgiven at this time.
Complaint sub-issue: Other problem getting your report or credit score

no response to my correspondence of XX/XX/2018 I have no knowledge of ever having a credit card with this bank XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX.Th ebank has my account charged off for {$150.00} No account # is listed on teh credit report
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I demanded updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your absence of reply, or responses which I categorize as frivolous, you have dishonoured FCRA regulations and my request for verification. If you request to correct this dishonour, I will give you one further chance to correct your faults and update my records. Please CORRECT the accounts, as they are already amended from the other bureaus. You have 30 days to CORRECT these accounts listed below : 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: 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 XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted disputes and an FTC report for the following fraudulent account : XXXX {$7300.00} This account is listed on Equifax and XXXX.