Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I recently submitted a letter to the credit bureaus regarding some inquiries on my credit report that I did not request. They failed to contact me or do an investigation regarding the inquires. I asked them to remove the inquiries due to fraud and they failed to follow back up. Inquiries that I am speaking of are as follows : XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX : Inquiry from XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX  : Inquiry from XX/XX/XXXX XXXX  : Inquiry from XX/XX/XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I am harassed by the company daily. I have requested a bill from the hospital they claim I owe money to many many times. All I have received is XXXX letter with the debt companys name on and an amount owed. They will not give me a bill to show what this debt is for. 
National recovery agency The people I have spoken to have always been so incredibly rude and nasty and wont do the most simple thing of providing me with an itemized bill in the mail from the company they claim I owe money to I cant pay a bill I dont ever receive and I will never pay a debt through a text message which they text me Daily not a phone call not a single thing in the mail just text
Complaint sub-issue: Card was charged for something you did not purchase with the card

At XXXX XXXX, a text notification was received from Discover that a transaction on my Discover card had been made for {$470.00} on XX/XX/2021. Along with a text I received an email with a full itinerary detailing that flight # XXXX departing from XXXX XXXX in XXXX XXXX XXXX XXXX to XXXX  airport in XXXX. The names provided for the passenger tickets were XXXX XXXX and XXXX XXXX with ticket number XXXX and XXXX. The confirmation number on the ticket is # XXXX.
Complaint sub-issue: Debt is not yours

just started building, and monitoring my credit a few years ago. I noticed that there was a {$340.00} amount listed under derogatory remarks. This was listed as XXXX, for the company XXXX. I tried several times to dispute through XXXX XXXX. Results came back that monies were owed. One of My issues is that I never received a phone call, or bill in the mail about this at all, ever. I have no idea when this debt was from. The other issue is that this was listed on my credit with XXXX, for XXXX, then was dropped off of my credit on XX/XX/20, then this debt was re-added on XX/XX/20 under another debt collection company called IC Systems, for the company XXXX. I believe that this may be something from many years ago, but I don`t really know. Also, how is it possible, or legal for this to be removed from my credit for approximately a month, with one debt collection company, under XXXX, then re-added to my credit by another company, under current business name, XXXX, same debt? 
I currently have, and have had XXXX  services for many years, and never received any notification of any monies owed. I believe this original so called debt of mine is way too old to be on my credit at all.
Complaint sub-issue: Account status incorrect

I was shopping for a pre-owned vehicle with a reputable dealership not too long ago and was denied a loan because although 2 of the big three credit reporting agencies had my scores in line with what I expected, this dealership chose to send my credit application to XXXX Bank who uses a company call XXXX XXXX for its credit reporting. My score is completely low with this small agency and I have never heard of them nor have I given them my consent to investigate my background. 

I had to put a stop with Ally to ever accepting a credit application with my name on it simply because this little company was dragging me down. In terms of how they obtained my score and where this information came from, I have called and written time and time again, to no avail. 

Please stop this, what I see to be, a fraudulent company from continuing to being allowed to partner to large banks. 

XXXX
Complaint sub-issue: Having problems with customer service

I paid a loan in full with DISCOVER STUDENT LOANS on XXXX/XXXX/XXXX ( Loan # XXXX ). It no longer appeared on my statements after this payment was made. A year later, on XXXX/XXXX/XXXX, I called to pay my last Discover Loan in full. I was told that the Loan I had paid off a year ago, # XXXX, was still active and accruing interest in their computer system, even though my statements for a year showed it to no longer exist. I asked to receive a payoff balance in the mail that showed and subtracted all the interest accrual that had not been provided to me in statements for the year, as well as an explanation for how the loan was still active without showing on my statements for a year when I paid it off. I was told that this was n't necessary and that the full amount would be canceled. This was the conclusion of my conversation with a customer service rep and a Manager on XXXX/XXXX/XXXX. However, I was not provided with the resolution promised. I next received a letter dated XXXX/XXXX/XXXX that " approved ( my ) deferment request for Loan # XXXX. '' I was outraged, as I made no such request legally and had been told that I would receive paperwork showing the loan to be closed and the balance forgiven due to extreme clerical error on the part of DISCOVER. On XXXX/XXXX/XXXX i called back. i talked to a customer service rep names XXXX who told me my request to fix this error required a " Special Team '' and that a letter would arrive by XXXX/XXXX/XXXX that would close the account and forgive the balance. This Letter also did not arrive. As of XXXX XXXX I have still not received any statements with options to pay off or understand my interest accruals on Loan # XXXX. I do not know what my balance should be given that I paid my balance on Loan # XXXX in full on XXXX/XXXX/XXXX and that this Loan no longer appeared on any statements after this date, while a balance was somehow accruing interest unknown to me. I refuse to pay a balance via telephone based on the fact that Discover Loans will no provide me with the breakdown of the unknown interest accrued since XXXX/XXXX/XXXX that i asked for, and has not delivered -- twice now -- on the erasure of this balance and closure of the account that I was told was going to be provided to solve the clerical error. I am also still in a forced deferment that I *did not request* for Loan # XXXX based on a letter that showed up at my house in XXXX. Thank you for your assistance in advocating this issue with DISCOVER STUDENT LOANS.
Complaint sub-issue: Information belongs to someone else

In accordance to the Fair Credit Report Act XXXX XXXX ; XXXX XXXX  ; XXXXXXXX XXXX XXXXXXXX ; US Dept of EducationXXXX has violated my rights Please remove ALL inquiries XXXX XXXXXXXX, XXXX ; XXXX  XXXX ; XXXX  15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. I should have ONE name, ONE date of birth, and ONE address
Complaint sub-issue: Was not notified of investigation status or results

I was never notified of this alleged debt, this collection agency I C SYSTEM INC Original Creditor XXXX XXXX XXXX Date Opened XX/XX/2021 is illegally reporting an unsubstantiated debt and never provided proper notice before reporting
Complaint sub-issue: Can't get other flexible options for repaying your loan

On XXXX XXXX, XXXX I called AES To discuss repayment options on my private student loan. Originally my student loans were through XXXX, and chase sold it to AES a few years ago. 
On one of the student loans the monthly repayment is {$350.00}. On the second student loan through them The repayment amount is {$340.00}. I have been trying to work with them before in the past and they offered me {$360.00} for six months and XXXX for the other six months. I recently finished paying the year repayment plan that they offered me and starting in XXXX my payment will be almost {$700.00} a month. I tried explaining to them that I am unable to make this payment and that it is very unaffordable for me. I am a single mother with a XXXX XXXX and a one income household. When I was talking to them today on XXXX XXXX, XXXX I was calling in regards to a payment options as in ways of lowering my monthly payment to a more affordable one, forbearance and deferment options as well. Their response was that I am not eligible for any programs and I would have to pay my student loan payments in full. Since I have been in repayment status with the student loan I have faithfully made all of my payments, although there was one incident where I was behind on my payment but I did make that payment as soon as I had the funds to do so. I am really trying to do all of the right things to avoid default, but in all honesty a payment of {$700.00} a month is just unrealistic with my life situation right now. This year has definitely been a stressful one, my daughter XXXX XXXX XXXX in XXXX and my hours at work have been shorter than they normally would ever since, going to doctor appointments and XXXX follow ups. I dont have anyone else to help me. I was barely able to make the payments of {$490.00} a month. If I have to pay {$700.00} a month for a student loan there would be no way my daughter and I would be able to live. We would probably end up homeless in all honesty. I really need help lowering my payment to something I can afford. Please help me!
Complaint sub-issue: Information belongs to someone else

I'm relocating to XXXX  and looking to purchasing a condo. I checked my credit score just to see whats was on my report because I haven't checked it in e. minute. While checking my report I saw items that are not mine. These items need to be deleted from my credit report XXXX, XXXX XXXX, XXXX/DOFED. There are some inquiries on there thats not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX. I have contacted the FTC and local police.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Factual data and /XXXX XXXX XXXX pulled my credit twice with out my permission, they pulled it on XX/XX/2019 and then pulled it again on XX/XX/2019 which should have no affect on my credit score, factual data and XXXX   XXXX XXXX came back with a false reading they stated my XXXX was at a XXXX and my XXXX  was at XXXX and my XXXX  came back as a XXXX, which is a big discrepancy, as of XX/XX/2019 XXXX XXXX stated my XXXX  is XXXX and my XXXX  is XXXX and my XXXX  XXXX XXXX. I want factual data to remove the hard inquiry on XX/XX/2019, and XXXX XXXX I Okayed XX/XX/2019 but not the XX/XX/2019, they was to look at my credit report for positive changes. and to be honest when they pulled my credit on XX/XX/2019 it was a big descrepency from what XXXX XXXX was reporting as well, this is not right, this is not just, this is poor lending practices, again factual data and XXXX XXXX XXXX is not reporting credit score correctly
Complaint sub-issue: Credit inquiries on your report that you don't recognize

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX ( write-off, XXXX XXXX XXXX XXXX ( XXXX ) These accounts are inaccurate and false ... I reviewed my reports and was appalled ... this is in violation of F.C.R.A. law ... I settled the XXXX account ; therefore XXXX has no right to attempt to collect payment again ... this is unlawful, and I have contacted them and was informed that they did not verify this false debt, and that XXXX verification is often not accurate or updated, and that this is what yall use. Also, XXXX XXXX was paid in full ... I contacted them also and was told that they did not report this as a write-off, but reported it as positive ... there is a grave mistake on behalf of bureaus and I was told this occurs quite often, no contracts exist for accounts, please remove or litigation will surely follow ...
Complaint sub-issue: Debt was result of identity theft

Ive called Jefferson Capital System and other companies listed they been reporting that I have an open account with them. For numerous of years they been reporting this fraudulent account on my credit report Ive contacted them over 20 different times. To see that they are still not taking this off of my report after I have provided them with police reports Idk which way to turn Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Can't close your account

I tried to cancel my Albert account and was tricked into signing up for an {$88.00} " XXXX  '' subscription. I reached out to the company as instructed through its help function and have received no assistance despite calling, texting and emailing them. I do not want to pay for a subscription, want the {$20.00} I had transferred into the account returned to me and want the account closed immediately. This company is completely deceptive and perpetrating fraud on consumers.
Complaint sub-issue: Debt was paid

I reached out to the number on my credit report about an old student  debt that was paid off In 2015 Im trying to have it removed from my credit report and Im not getting anywhere. The company said that I would have to speak with the default team to have it removed but I dont believe they will remove it this has been on going for about a year to have it removed
Complaint sub-issue: Investigation took more than 30 days

My wife and I submitted a request to Equifax and XXXX over two months ago, asking them to investigate errors on our credit report. They are supposed to respond within 30 days, but they have not.
Complaint sub-issue: Account information incorrect

I tried contacting Nelnet on XXXX XXXX, XXXX via correspondence USPS tracking number XXXX. The late payment dates for XXXX XXXX to XXXX XXXX ; XXXX XXXX to XXXX XXXX is incorrect, I was currently attending school full-time at XXXX University. Qualified for In school deferment. Loans was not placed in deferment status.
Complaint sub-issue: Debt is not yours

This is in regards to Complaint Number XXXX. This account is a joint account containing misinformation, inaccurate information and it's attempting to collect upon a debt illegally. 

On XX/XX/2021, sent a letter disputing the validity of this debt. The response to the letter of dispute was a debt notice letter dated XX/XX/2021. IQ Data International responded without presenting any evidence supporting their claim that I owe this debt. This first correspondence reads like the first notice of debt collection, only sharing the principle balance and including interest fees and not addressing any of the written requests from my initial letter. Both parties within this account have reached out to this company and received the same type of lackluster response. 

A second letter was sent to again, request further detail information about this debt that's alleged owed to this parties on this account. After not hearing back from IQ Data International within the legal 30 day time frame, a letter was sent out XX/XX/2021. This letter detailed the lack of timely correspondence between IQ Data International and the parties on this account, also detailed the FDCPA and FCRA violations. Three days later there were letters received dated XX/XX/2021 but postmarked XX/XX/2021. These letters deceptively try to pass off as " validation of debt '' requested XX/XX/2021. Two months later, these letters have attached itemized charge lists with inaccurate information and fraudulent, double charges with no description or photos attached. There is no written agreement, contract or signed notice verifying this debt. 

All of these unlawful practices has caused detriment to the documentation of the correspondence with this company while in pursuit of rectifying this matter. It has also created consumer distrust in this company and their permissible purpose to collect debt. I have no knowledge of this account, the alleged fees or the claims made that I owe this debt. This company continues to accrue interest and frequently reports this misinformation to the National Credit Bureaus. Everything aforementioned are clear FDCPA violations. 

To be clear, I have not entered a contract with this agency for collection of any debt they claim I owe or the illegal interest accrual, late charges or anything else they claim is owed nor do I accept ownership of this account and charges listed. Each instance of this process has been documented since XX/XX/2021 and the deceptive practices this company continues to take part in such as misrepresentation, illegal collection of debt and interest fees, failure to validate/verify legal debt and failure to comply with federal and state laws. They have added over $ 300+ in interest and have refused to provide any proof showing their right to collect this debt or oversee this account with my personal information.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I have been in XXXX XXXX for 13 months building a retirement house. My Sears/Citibank MasterCard had significant fraudulent charges ( > {$7600.00} ) charged on it after it was never returned to me at a merchant. 

I reported it to Sears/Citibank promptly as fraud and was told the card account would be closed ( when the amount was less than {$1000.00} ) and the Company apparently didnt close the account and NO merchants have signed receipts for the charges ( not with my signature anyway ). I had a letter sent Certified Mail to Citibank Sears MasterCard but even though they acknowledge receipt of the calls and letter : Citibank continues to debit my bank account monthly and insists I made the charges. All with no videotapes, signed receipts or any evidence. Credit Card fraud can not be charged to the Credit Card Holder in my home State of Texas.
Complaint sub-issue: Reporting company used your report improperly

I sent my letter off on XX/XX/2021. I told the credit bureus to investigate every piece of information on the accounts I have listed below. Also, I attached the letter I sent out. I also submitted a complaint through CFPB and still these bureaus refuse to do their job according to the law. 

According to the FRCA 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.

They stated my account ( s ) were verified but how is this possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. Attached is my recent credit report with the inaccuracies highlighted.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax stated that the following account was verified XXXX ( XXXX ) was verified. The debt was charged off and sold to XXXX and XXXX XXXX services which went bankrupt/merged with XXXX XXXX XXXX which was liquified and closed, due to various FCRA lawsuits XXXX Equifax was/is unable to verify the debt as it was sold and both companies are no longer in business. As per FCRA a debt must be able to be verified to be allowed to stay on a credit report. If it can not be verified it must be removed immediately.
Complaint sub-issue: Information belongs to someone else

They have informed me that they verified the accounts listed below : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX However, they didnt give me any verifiable proof ( have my signature inside ) to prove that these accounts belong to me.
Complaint sub-issue: Account information incorrect

On XX/XX/2018 I filed a Chapter XXXX Petition in the XXXX, MI Federal Court.  Sometime in XX/XX/2018 my plan was confirmed and the auto financed through XXXX XXXX was ordered to be surrendered. In XX/XX/2018 the lender retrieved the vehicle from my residence and sold it at auction leaving a residual balance of around {$9000.00} which was rolled into my Wage Earners plan to be paid at 100 %. XXXX reports to XX/XX/XXXX and XX/XX/XXXX. They are currently reporting correct information to XX/XX/XXXX, however, for some reason they reported nearly 12 months of late payments that destroyed my report. I disputed this item and called the creditor numerous times and requested they correct their XX/XX/XXXX reporting. They verified their reporting was incorrect and verified that they sent over the correct information to XX/XX/XXXX on 3 different occasions. XX/XX/XXXX alleges they never received the updated information so my score is still suffering because of this one account and XX/XX/XXXX 's " simple '' upload process does not work as it says my 2 pages document to prove this error is " too large to upload ''. The XX/XX/XXXX Dispute team is not helpful what so ever and the guy I talked to today even hung up on me.
Complaint sub-issue: Information belongs to someone else

There is an account on my credit report that I do not recognize. This isn't my account. Please remove it. Thank you.