Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information incorrect

My name is showing on my report incorrectly and I have made numerous attempts to rectify, unfortunately to no avail. 

Additionally, my credit report reflects serious delinquency and my payment history is 100 %. My full credit report shows late payments ( 90 days ) with my Nelnet account in XX/XX/XXXX. However, from XX/XX/XXXX thru XX/XX/XXXX my status shows as OK. My status returns to OK in XX/XX/XXXX and shows a NR status until XXXX of XXXX when it returns to OK. My student loans were placed in forbearance on several occasions from XX/XX/XXXX thru XX/XX/XXXX due to my financial hardship due to my medical condition. Once my health improved and I contacted Nelnet to resume payments I was informed of the late payments and once my case was reviewed I was told that all negative reports would be corrected. The fact my account showed ok in XX/XX/XXXX and 90 days late in XX/XX/XXXX is a clear indication of incorrect reporting from Nelnet. I have been trying to resolve this issue for YEARS and really hope this agency can facilitate a resolve.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights.XXXX XXXX XXXX XXXX XXXX has violated my rightsXXXX XXXX XXXX XXXX XXXX has violated my rights.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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On three separate occasions, I have discovered that inaccurate information is being reported on my credit file specifically unduly hard credit inquires all ranging different dates. I have tried to contact the bureaus and the creditors directly to dispute what I was under the impression as were soft inquiries that are now presently affecting my credit in a negative manner. I have not authorized such actions for credit and these unauthorized and unduly hard inquiries constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I understand and am aware that inquiries are a factual record of file access and it is the credit bureau that is reporting these unverifiable requests for my credit after I have shown proof that these were not hard inquiries.
Complaint sub-issue: Account status incorrect

Account was registered with delinquent with credit bureau. In XXXX of 2022 I went into a six-month forbearance with U.S. Bank Home mortgage XXXX U.S. Bank is the lender. At the end of the forbearance I was told that the total six month amount was due and is considered past due. I argued that this is not what I agreed to. I was immediately put on a flex plan and told I could pay my regular mortgage amount. However U.S. Bank reported this to the credit bureau as delinquent. 


COVID-19 : Is HUD suspending credit reporting for FHA-Insured mortgages on a COVID-19 Forbearance? 
Any Borrower who is granted a COVID-19 Forbearance and is otherwise performing as agreed is not considered to be delinquent for purposes of credit reporting. 

FHA requires Mortgagees to comply with the credit reporting requirements of the Fair Credit Reporting Act ( FCRA ) ; however, FHA encourages Mortgagees to consider the impacts of the COVID-19 pandemic on Borrowers financial situations and any flexibilities a Mortgagee may have under the FCRA when taking any negative credit reporting actions.
Complaint sub-issue: Account status incorrect

I recently submitted a complaint for the credit card provider for a closed credit card from XXXX. The company did not respond to my specific questions or concerns. I called their accounts recovery department on 8 separate occasions this year and they did not mention any those phone calls. In XX/XX/XXXX, on of their account recovery specialist did indeed state this account first went delinquent in XXXX not XXXX. Yet, Citi failed to even address this phone call in their response. They failed to mention my multiple phone calls from XXXX to XX/XX/XXXX. I asked them to update my credit profile to included my entire history with the company dating from XXXX until the account was closed. They failed to even address this matter. As well, CITI updated my three credit bureau profile, all three, indicating I still owe this balance on XX/XX/XXXX. I now have an active credit card debt of over XXXX dollars with {$3200.00} reported by CitiCards. This balance was written off and discharge in XXXX and this information can be found in their response letter. This is the reason why I can not make a payment to settle this debt because Citi discharged the balance in XXXX. This account had a XXXX  from the time it was written off in XXXX up until XX/XX/XXXX when they replied to my complain. I do not owe them for this discharged account and as they mention I am not required to make a payment for this account. I received a 1099-C in XXXX for this account and this account was treated as income following its discharged from Citi. To note, paid this debt in the form of taxes in XXXX. Citi tactics is simply bullying and intimidation and this should not be tolerated. I have asked them to simply update my credit profile given the delinquencies have dated back to XXXX and they have not. Instead, of being truthful they have reported this discharged debt as new credit card debt on my credit report. I am asking them to report this account back to XXXX  and please update my credit report to show the full length of my the credit history for this account. My wife and I are closing on a house the next 60 days and because of this one account, we are no longer qualified because this discharged debt dropped my mortgage credit score by 40 points.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting Act XXXX Accounts 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 also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX has been sending harassing messages weekly, making false statements about speaking to my loved ones, and threatening to prosecute me about a debt. I will attach the most recent message below.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX  XXXX # XXXX is reporting a very old account to my credit report that needs to be removed. This is past the Nevada Statute of Limitations and I no longer owe this debt.
Complaint sub-issue: Information belongs to someone else

I have tried to communicate with them to let know that these where not my accounts. But they have continued to disregard the information that I am give them.
Complaint sub-issue: Old information reappears or never goes away

Hi, There is a lot of old addresses on my credit report. I would like them removed because I am looking to buy a house in the near future. Because of identity theft and other things, I want the old addresses gone and i don't want someone claiming to be me at the old address. 

Thank you!
Complaint sub-issue: Account terms

I have disputed an account for XXXX XXXX XXXX XXXX at least XXXX times. XXXX off the beginning credit on this account was {$26000.00} and the credit report has {$20000.00}. Also, it states that my vehicle was repossessed in XXXX and XXXX XXXX is incorrect.The balance of this account was paid in full in XXXX on the said day of repossession. There is no balance and the information listed is false. If this is not resolved properly, I will need to move forward with legal action.
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the 3 Credit Bureaus to delete these unverified inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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: Account information incorrect

I opened a XXXX XXXX dispute with the CFPB and XXXX XXXX did not resolve my issue. The complaint was closed out. But they did provide me with documentation regarding the loan in question. The documents that they provided me do not match what they are reporting to the credit bureau. The amount being reported is {$7200.00}. Please remove this inaccurate information ASAP as pursuant to FCRA that my credit report must have accurate information at all times. Please have XXXX  XXXX provide the documentation that verifies and matches the exact balance that is being reported. Acct. XXXX
Complaint sub-issue: Problem with fees

I called Discover Payment Protection, XX/XX/XXXX, to cancel the plan and get a full refund the fees as I am not aware nor do I remember enrolling in the plan. I talked to XXXX XXXX and she said I enrolled when I applied for the card on XX/XX/XXXX. However, I asked for proof of my enrollment and she said it was not possible as it was so far back. 

Upon calculating the Fees paid between XX/XX/XXXX, the payment protection fee total is {$400.00}. This fee does not include from XX/XX/XXXX. I asked to get the full amount back, but she stated something along the line of 'we ' believe we notify our customers enough about the payment protection fee and our policy only allows for 6 months refund. She first offered to refund me last months fee, but then later offered to refund 6 months totaling {$65.00}. I agreed to canceling the plan and refund of the 6 months. However, please refund me the FULL amount, including from XX/XX/XXXX. Thank you.
Complaint sub-issue: Information belongs to someone else

I have disputed A Charge on my credit Report with XXXX over a dozen times! I have a fraud warning on my report which I dont understand why thy removed it without my consent. I last disputed with XXXX  on XX/XX/2018 regarding the charge with PRO COLLECT for the amount of {$2900.00} I have submitted manually and electronically through various services such as XXXX XXXX, Also directly with XXXX over the phone regarding the disputed information! XXXX  has failed to supply me with factual accuracy information from this company who has reported against me! I told them that I need proof that the company has a signed contract and identification proving that I am whom they are litigating! I have given XXXX over 4 months to properly support this information or remove it and neither is done XXXX sent me a report on XX/XX/XXXX with open account information! not a disputed decision And I am demanding that any And all information reported be sent to me on this company behalf!
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX XXXX {$37000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX  ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Personal information incorrect

8 Years I cant get a New Credit Card Becuse of the Attached Photo of a Extended Consumer alert in my Credit File ====== Can XXXX Equifax and XXXX XXXX please Remove the Extended Consumer alert in my Credit File XXXX XXXX Sent me a Attached Picture of a Extended Consumer alert Please Remove ============== 50 times I sent the 3 Credit Burow pictures of 3 Forms of my ID and the Credit Burow almost never respond other then They Cant verify me or Send ID agin ======= XXXX RESPONDED DESCRIPTION OF NON-MONETARY RELIEF According to our records, your XXXX  credit report does not display a fraud alert. 

=== XXXX did not Respond about the Extended Consumer alert XXXX  Please Resond about removing the Consumer alert ======= XXXX should Remove the Extended Consumer alert in my Credit File XXXX XXXX  CEO Banks XXXX XXXX and XXXX XXXX XXXX robed me {$100000.00} dollers then 40 Bank lawyers say its Imposabale two Comprhend the Bank rob people the bank cant comprhend Robing People 6 years Im a XXXX  living in Forign Countries its Verry Hard two find a Printer two mail the Credit Burrow a letter two Please Remove the Remove the Extended Consumer alert in my Credit File American Banks rob all my Money making me a XXXX  then American Banks block 90 % of my banking dose not Work The Banks Block all my XXXX  Purchase I applied fore 100 new Bank acounts all denied but one Bank that Nothing works CFPB says two call them and The only way two call and American BANK 1800 number Requires a CELL Phone with International long Distance cost {$5000.00} dollers a YEAR
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 Report. 

This account is reporting late as reported in my Equifax credit report. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Complaint sub-issue: Information belongs to someone else

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

Equifax Credit Bureau, received XXXX fraudulent claims that I was late on payments and destroyed my credit score. The companies that gave these false reports are XXXX XXXX and XXXX XXXX XXXX. I had a {$2000.00} loan with XXXX XXXX and when I made the last payment XXXX XXXX claimed I refinanced my loan and that I owed them {$1800.00}. XXXX XXXX could not provide XXXX piece of evidence attesting to the refinancing of my original loan. There is a report with CFPB concerning XXXX XXXX 
I disputed this with Equifax but they wouldn't do anything about it and drove my credit score down to below average. 
The same scenario happened with XXXX Credit Card. I had charged approximately {$1400.00} dollars worth of vitamins from a company called XXXX XXXX. Every payment I made the account balance remained the same and i was paying interest as if I wasn't making any payments at all. This went on for months and the amount owed on this account never went down. I complain to the CFPB and all of a sudden the balance went down to where I had only XXXX payment remaining. XXXX Credit Card contacted all three of the credit bureaus and told them I was over XXXX days late on my last payment. However, all payments to XXXX Credit Card were on auto-pay and the monthly statements showed auto-pay. I disputed this and I provided copies of the monthly statements to each of the credit bureaus and pointed this statement out but they did nothing other than lower my credit score.
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX XXXX is reporting debts on my credit file that I do not know what they are for. I had no idea this debt existed until I checked my credit file. I immediately tried contacting them with no luck. They are in violation of my 30 day right to dispute. I never received any phone calls, or written notifications of this debt. Nothing! These need to be removed off my credit file.
Complaint sub-issue: Frequent or repeated calls

I have paid XXXX XXXX XXXX my phone bill before closing my account last year! I have already contacted all credit companies and they removed it bc it was wrongful and now again for the second time they have resold my information to Mrs Bpo and these arrogant disrespectful have no regard for anyone BLOWS my phone up from noon to dusk. 
They should be held accountable and there needs to be a revolution on this Abusive entity having this much power.
Complaint sub-issue: Didn't receive services that were advertised

Equifax were hacked and lost all my information and the information of hundreds of millions of other Americans and this is absolutely unacceptable.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT.I HAVE NO IDEA HOW THE ACCOUNT GOT ON MY CREDIT AND I WOULD APPRECIATE IT IF YOU COULD PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. 
I HAVE A LOT OF THINGS I WOULD LOVE TO ACCOMPLISH AND BECAUSE MY CREDIT IS IN SUCH A HORRIBLE STATE, THERE IS NOTHING MUCH I CAN DO.
Complaint sub-issue: Information is missing that should be on the report

XXXX  turn into XXXX and all payment history disappear on credit reports.
Complaint sub-issue: Their investigation did not fix an error on your report

Called to do a skip a payment.. it was approved i paid the required fee and was told to sign a paper i would receive within 10 days.. never received the letter so i called and i was told i would have to resubmit the application and that i would not have to pay the fee again since i already paid it well 30 days later my credit gets hit with a late fee and my credit dropped dramatically i called them and XXXX  said that its because i never paid the XXXX that was due for the skip a payment because the old fee of XXXX was applied to my account but not to the skip a payment so now it put me as XXXX past due and it keeps putting me late.. they are supposedly looking for the conversion where their employee told me I wouldnt have to pay it again since i already did but the executive team ( who I cant for the life of me reach in any way ) told me their associate was wrong but they where gon na look for the conversation where their associate told me I didnt have to pay its been a little over 3 months and no resolve my credit has been affected very very badly due to this i need help.
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 XXXXXXXX, 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: Account status incorrect

Account was on automatic payment like every single card that I own and somehow got a 30 days late. I don't have 1 single late payment in my entire history. When I contacted Citi to rectify this and make sure that everything was fixed they sent me a letter stating that they were unable to locate the credit bureau inquiry. 

Please see screenshots. I need this late payment to be deleted from credit bureau immediately. 

Account XXXX
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX XXXX I have several inaccurate names on my credit report please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. 609 FCRA My current and only address is XXXX XXXX XXXX XXXX XXXX  XXXX. I have attached my proof of ID. I do not live at the following addresses : 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 The following accounts are not mine I have never had an account with these companies I demand to see the contract, separate agreement or proof or claim affidavit for the following : 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 Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Complaint sub-issue: Information belongs to someone else

There are many inquiries appear on my report without my permission :   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: Overdrafts and overdraft fees

I have contacted and informed Activehours Inc / Earning several times via their app chat requesting that they withdraw their loan from my XXXX XXXX Checking Account. I have XXXX XXXX XXXX XXXX set up in the app from which transactions may be processed. They took money from my old account, XXXX XXXX, which they should not have had access to, and in doing so caused an overdraft fee. I am requesting that Earnin return the {$50.00} back to XXXX XXXX XXXX  so that I will not be charged an overdraft fee. I am requesting that Earnin take the loan from XXXX XXXX XXXX XXXX XXXX account.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021, XXXX XXXX XXXX, Account # ( XXXX ) added a derogatory mark on my credit report per XXXX credit monitoring service. Upon, further research, this account was transferred/sold by the original debtor, and I am not responsible for the account. Debtors ' creditor did not verify this collection and the information contained as accurate. Also, there was NO written form of communication, contract or signature for this accused debt. A bill without a signature does not validate the debt and the information contained within this collections account contains false/inaccurate information, which has been furnished too the credit bureaus illegally. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.