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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/2018 Equifax case # XXXX XXXX case # XXXX To Whom it may Concern ; I am contacting you regarding Equifax and XXXX Credit Agencies. 
In XX/XX/2018 I sold a piece of property ; XXXX XXXX XXXX XXXX XXXX, Ca. After selling that property I paid off another property XXXX XXXX XXXX XXXX XXXX, Ca XXXX around {$900000.00}. After paying off and closing these accounts my credit score dropped around 75 points. The credit Bureaus said they didnt know if loan companies closed them and we could have defaulted. I sent them copies of the pay off and recording with the State of California they were paid in full. They corrected the credit report removing the 2 loans and debt associated with them. After removing about {$150000.00} from our total debt our score went down again to XXXX and XXXX in XX/XX/XXXX when we paid off the mortgages the score was XXXX. They are now saying that our score is low because of credit card balances and will not adjust the scores even though we reduced the debt. I want to get a small loan against the property that is paid off to pay off all my other debt. We owe XXXX and its valued at {>= $1,000,000} at least. I had a XXXX dollars in my hand and could have done either. The credit companies wont change my score because the algorithms say we are in trouble according to Equifax and XXXX. Our complaint is their refusal to review and change our score. I have never had a 30 day late ever and have never defaulted on a loan. I own XXXX XXXX dollars of real-estate and would love to pay my cards off. Their policy and rating system is preventing me from doing that. I could have paid the Credit Cards first but I had no idea paying XXXX XXXX XXXX XXXX XXXX off my credit score would make it drop because it was mortgages. I think their  current policies are unfair and are designed to make money for the credit industry. A low score costs you big money regardless of circumstances. As a consumer you are powerless. They are costing me money and stopping me from getting rid of all my debt because they refuse to count all the debt that has been removed from my total debt There is no way to fight back. No human looks at the data and corrects it. You are my only recourse. 
Thank you for your time and assistance in this matter. Hopefully your agency can help me fight their one-sided bias practices. 

Best Regards, XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have not sent my any verification of those items in the last 30 days. I sent my request off to you on XX/XX/XXXX, XXXX you received it on XX/XX/XXXX. Your response was dated XX/XX/XXXX in which you stated you would conducted a reinvestigation of the items in dispute and send your results within 30 days from the time you recieved my dispute letter, which was XX/XX/XXXX per the certified letter. 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be deleted immediately I want all the items that were listed in my letter deleted ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) from my credit report and all hard inquiries except for XX/XX/XXXX, deleted from my report. Also have them deleted from the three Major Credit Bureaus ( XXXX, XXXX and XXXX XXXX. This is my last attempt to solve this amicably. You will be served with litigation paperwork if this continues. Please comply with the law so we can avoid the court system.
Complaint sub-issue: Charged too much interest

I have been paying on my Discover credit card without fault since opening the account in XX/XX/2012. it has and APR of around 19 %, recently dropped to 17.2 %. I've called Discover several times regarding the amount ive been paying toward interest. every month, I pay the minimum amount or more ( currently {$420.00} ), and between 70-78 % of the monthly payment ( currently around {$300.00} ) is going toward interest! not 17 or 19 %, which is the APR. 

currently, I have a balance of around {$20000.00}, and with a minimum payment of {$420.00}, my most recent statement says it would take 40 years to pay off this account, and I would end up paying a total of around {$70000.00}. 

when I speak with Discover card representatives, they do not seem to be able to explain this at all. 

if you plug these numbers into a debt repayment calculator, a {$20000.00} balance, paid at {$420.00} a month, with a 17 % APR, this shows an estimated payoff time of 81 months ( just under 7 years ), and with a total interest of around  {$13000.00}, so I would end up paying a total of around {$33000.00}, which is 2.5 times less than what Discover says, that is, {$13000.00} in interest versus {$50000.00} in interest. 

There seems to be some highly illegal action taking place here. I would like to be reimbursed for all of the years ( since 2012 ) that I have paid this astronomical apparently 75 % APR, for my account to set to {$0.00} balance, and a more fair 10 % APR instated.
Complaint sub-issue: Trouble with how payments are handled

On XXXX/XXXX/2016 Fedloanhelp.org had an Ad on XXXX to reduce student loan payments. I clicked on it and spoke to XXXX and XXXX. They both explained their company was a not-for-profit and they would assist in the paperwork needed to work with the Department of Education and my loan service provider, XXXX. They asked for my bank account number to setup the new reduced payment, XXXX XXXX and had me electronically sign an agreement all in one call. They stated I would get a package in the mail to confirm everything but that never happened. 

On XXXX/XXXX/2016 this company started debiting my checking account for {$100.00}. I sent documentation to XXXXXXXXXXXX asking why since XXXX had sent me an email stating XXXX was due for the 12 months. His response was this " Your payments are always made in advance because we never want you to be disqualified from the program for non-payments. That is why we set it up this way for all clients so they do not have to worry about any problems in the future. '' On XXXX/XXXX/2016 this company debited my checking account again for {$100.00}. 

On XXXX/XXXX/2016 I called XXXX and spoke to XXXX. I asked if those 2 payments reflected on their system. The representative advised Fedloanhelp.org was a fraud company and that I needed to file a complaint with the Consumer Affairs. 
On the same day I emailed XXXXXXXXXXXX the following : " The last 2 payments your company has taken out of my bank account do not reflect on XXXX 's website as being applied to my loan. What is going on? " As of XXXX/XXXX/2016 I have not received a reply from them.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act XXXX  accounts from XXXX auto finance, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, have failed to supply me with correct account numbers, which have violated all privacy laws and an act, per article numbers, 15 u.s.c. 1681 section 602 A. states i ahve a right to privacy. 15 u.s.c. 1681 section 604 B section 2 states an consumer reporting agency can not furnish an account with out my written instruction.
Complaint sub-issue: Account information incorrect

Reporting late payments. No payments where late on the loan
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX  Acount # XXXX XXXX  XXXX XXXX Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

15 U.S.C. Section 602 A. States I have a right to privacy 15 U.S.C. Section 604 A Section 2. States a Consumer Reporting Agency can not furnish a account without my written instructions.

15 U.S.C. 1692 C Companies involved are : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act 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
Complaint sub-issue: Information belongs to someone else

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. This item is UNKNOWN to ME. I dont get why youre claiming this is fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. XXXX XXXX Date Opened : XX/XX/2020 Balance : {$20000.00}
Complaint sub-issue: Account status incorrect

XXXX  XXXX is either reporting the FIRST date of delinquency wrong ... or Equifax is listing it incorrectly. after repeated attempts to correct with the companies, it still remains wrong. Even after attempts to get the companies to recognize the error, they keep telling me it is correct, when XXXX XXXX sent me record of the date of my ORIGINAL first date of delinquency. First date of delinquency was in XXXX... not XXXX. I keep getting denied new credit, and one of the factors is due to a CURRENT delinquency, this being the only current one! 
This unfairly re-ages the debt ... and keeps it on the credit report for 11 years instead of 7!
Complaint sub-issue: Information belongs to someone else

XX/XX/2020 Source XXXX  Company XXXX XXXX XXXX XXXX Address XXXX XXXX   XXXX XXXX XXXX, GA XXXX Activity UNPAID ( D ) Balance {$1600.00} Alert Details Alert Date XX/XX/2020 Source XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX g.f address remove it XX/XX/2020 Source XXXX  Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX Activity XXXX XXXX XXXX ( Collections ) hippa violations Alert Date XX/XX/2020 Source XXXX  Date Submitted XX/XX/2020 Estimated Resolution Date XX/XX/2020 Report Number XXXX Inquiry Date XX/XX/2020 Account Number XXXX Company XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX hippa and ftc XX/XX/2020 Source XXXX  Date Submitted XX/XX/2020 Report Number XXXX Account Number XXXX Company XXXX XXXX XXXX   XXXX Address XXXX XXXX  XXXX XXXX, TX XXXX ftc and hippa violations XX/XX/2020 Source XXXX   Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX hippa violationsXX/XX/2020 Source XXXX  Date Submitted XX/XX/2020 Estimated Resolution Date XX/XX/2020 Report Number XXXX Account Number XXXX Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX hippa
Complaint sub-issue: Information belongs to someone else

I have been the victim of fraud, I don't have a clue where these inquiries came from and I did not give authorization for any of these companies to check my credit report. PLEASE provide proof of original date, s times and years, I gave autorization 's for these INQUIRES. Please seed me original contracts from parent companies that I allegedly signed, NOT billing statements. ORIGINAL contracts.

XXXX XXXX XXXX XXXX XXXX   ... .XX/XX/XXXX XXXX XXXX XXXX ... ..XX/XX/XXXX XXXX ... ... ... ... ... ... ..XX/XX/XXXX XXXX XXXX XXXX ... ..XX/XX/XXXX XXXX ... ... ... ... ... ... ... ... ... .XX/XX/XXXX
Complaint sub-issue: Problem with fees

I had a credit card with Citi Bank. I lost my job and called them to tell and make a payment with them because I didn't know when I was going to be able to pay them. I didn't find another job until weeks after my due date. I told the rep on the phone what I was doing and she took the payment. The next billing cycle they charged me a double payment as if I didn't make a payment prior but I wasn't behind on my payment. When I called them back and told them what happened they wouldn't take my payment as a payment for the prior month. I told them to close my account but they wouldn't and continue to bill me and added a bunch of fees that I didn't owe
Complaint sub-issue: Account status

Equifax Information Services , LLC XXXX XXXX, GA XXXX ATTN : Legal Department File No. XXXX I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within five ( 5 ) business days from the completion of your investigation. In addition, I will expect you to complete your investigation within thirty ( 30 ) days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX ( XXXX ) ACCT. BAL : {$8500.00}. This ACCT. was charged off listed with wrong balance please delete. 
2. ACCT. NAME : XXXX ( XXXX ) ACCT. BAL : {$1200.00}. ACCT. was charged off listed with wrong balance please delete. 
3. ACCT. NAME : XXXX ( XXXX ). BAL : {$440.00}. ACCT. was charged off listed with wrong balance please delete. 
4. ACCT. NAME : XXXX ( XXXX ). BAL : {$420.00}. ACCT. was charged off listed with wrong balance please delete.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My car was been broken into andm y information was stolen and looked at my credit report and seen the these unauthorized inquires XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report I XXXX  XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax and XXXX have not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of the accounts listed below. believe it was reported in error. 
XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX Balance : {$420.00}
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019, I learned from a credit monitoring service that someone opened more than one fraudlent account, the most germane for this complaint was XXXX XXXX XXXX  ( " XXXX  XXXX '' ). I contacted XXXX XXXX by phone, and notified them of the fraud. On XX/XX/2019, XXXX XXXX sent me a letter asking to speak with me me about the fraudulent credit card opened in my name. 

I received another letter dated the same date notifying me they coundl not find any record of the inquiry. However, the hard inquiry remained on my credit with the 3 main credit reporting bureaus. 

I again contacted XXXX XXXX and reminded them that the account and the hard inquiry was a result of fraud, and requested they look into it. XXXX XXXX DID find the inquiry, and sent notices to the 3 main credit reporting bureaus asking them to remove the inquiry. XXXX XXXX did follow up, and all but EQUIFAX removed the hard inquiries. I attempted to deal with EQUIFAX on numerous occasions, speaking with heavily accented foreigners who told me that the fraudulent inquiries were a " scar '' and can not be removed. at the same time, certain other calls resulted in claims they would remove the inquiry AS OF THIS DATE, EQUIFAX HAS NOT. I have submitted repeated efforts at filing disputes with NO ABILITY to attach the documents I have attached here. 

EQUIFAX  also tells me to get XXXX XXXX to request the inquiry be removed. XXXX XXXX has done that, and notified me that they can not get EQUIFAX to comply. AS A RESULT I HAVE PLACED A FREEZE ON MY CREDIT, WHICH MAKES DIFFICULT FOR ME TO BEGIN TO REPAIR THE DAMAGE This is my second complaint. Equifax claims to have sent me a response to this issue, but that us false. What they sent me was a completely different matter that had nothing to di with this XXXX XXXX fraudulent hard inquiry
Complaint sub-issue: Other problem getting your report or credit score

1. XXXX 2. XXXX 3. Equifax The/XXXX I 'm authorized XXXX XXXX is primary account I am an authorized user on these accounts or cards and you still have n't place them on my credit file. I would like for you to immediately place the accounts on my credit report please. The card user contacted you several times and authorized me on the cards for all 3 bureaus but you never performed the task by placing me on the accounts why is it taking long. 

XXXX and XXXX accounts not reporting : 1. The/XXXX Opened XX/XX/XXXX balance is {$2100.00} 2. XXXX XXXX opened XX/XX/XXXX {$3300.00} reports on the XXXX of the month good standing on all of my payments current last payment XX/XX/XXXX Equifax accounts not reporting 1. XXXX XXXX Opened XX/XX/XXXX {$3300.00} reports on the XXXX of the month good standing on all my payments current good standing. Last payment XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I AM A VICTIM OF IDENTITY THEFT. I RECENTLY LEARNED THAT MY PERSONAL INFORMATION WAS USED TO OPEN CREDIT CARDS UNDER MY NAME. I DID NOT OPEN AND AUTHORIZE THESE ACCOUNTS, AND THEREFORE, I REQUEST THAT CREDITORS ABSOLVE ME OF ALL CHARGES ON THESE ACCOUNTS, AND THAT THEY TAKE ALL APPROPRIATE STEPS TO REMOVE INFORMATION ABOUT THESE FRAUDULENT ACCOUNTS FROM MY XXXX  CREDIT REPORT.
Complaint sub-issue: Overdrafts and overdraft fees

I have a bank account with U.S. Bank. I have made payments to companies where I tell them it is a " one time payment only '' and not recurring, etc. I have called US Bank to tell them not to let the charges go through. They tell me that they are doing a stop payment or that they will not let this happen and they do it over and over. They are letting everything go through on my accounts causing a great amount of overdraft fees. I now have to miss a wedding due to a XXXX overdraft fee on a XXXX charge. I have been assured in the past that this would not happen and it does over and over. I feel like they are doing this to obtain fees out of me and thousands of over customers. I am tired of fighting things and the bank not listening to me. They love to overdraft my account or forst post items to overdraw me. I feel that there are banking violations taking place.