Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are Medical, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it US SM BUS ADMIN ODA, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX 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: Their investigation did not fix an error on your report

On XX/XX/XXXX I submitted a dispute to XXXX  that AES ( student loan lender ) was incorrectly reporting late entries on a CLOSED account. As per AES 's own records, the account in question ( ending XXXX ) was closed on XX/XX/XXXX. However, my Account History with Status Codes ( aka payment history ) shows 13 entries of late payments beginning in XXXX through XX/XX/XXXX. I have contacted the lender and they are investigating the issue. XXXX  reports, " We have verified that this item has been reported correctly '' when the creditor, AES, reports they show ZERO late entries and have no idea why XXXX  report says I've been late. I've had equally frustrating experiences with all three major credit bureaus wherein their " investigation '' is simply a regurgitation of a creditor stating " everything is correct ''. Consumers have the right to review the data provided that supports this assertion. I can not possibly be late three years after an account was CLOSED. The lack of even common sense being applied to data that impacts your life so severely is beyond concerning. Scores determine homeowner ownership, the ability to purchase a vehicle and so many other major life decisions. It is a travesty that the bureaus are allowed to operate with such little regard to reviewing and investigating the data they report.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute to Equifax on XX/XX/XXXX requesting deletion of a closed account on my credit file. This was an account that was open and never used. Having never been used, it only ever reported with positive payment history until it was eventually closed by the issuer for inactivity. Again, the account was never in any negative or delinquent status. The only reason I requested this account be removed was simply because it had been closed for 7 years. On XXXX, I received the dispute result from Equifax. Not only did they not delete the account per my request, they updated the payment history on the account showing multiple 30, 60, 90,120, and 150 day late payments in the year XXXX and as recently as last month. Since this account was closed in XXXX and never had a balance, it would be impossible to have late payments recorded of any kind in XXXX and XXXX. When I called the original creditor ( XXXX XXXX  ), they informed me they have no record of this account associated with my SSN at all and are therefore unable to issue any kind of correction. As a result of this error, my FICO score has dropped XXXX points. I have received notice of adverse action on XXXX of my active credit card accounts indicating my credit limits have been reduced as a result of this. This is a serious error that has already yielded negative consequences for me and the only thing Equifax offered to do was to " Re-dispute '' it when I spoke with them on XXXX. In the meantime, my personal credit record is left to suffer while their computers process the dispute. This is a problem that clearly requires human intervention and review.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 I sent a letter in regards to inaccurate and unknown things on my credit report. I feel that these accounts are adversely affecting my credit reporting and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP! I will not wait another 50 days to receive no response because clearly you are ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. Section 611 ( a ) is plainly stating that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been 50 days so they should be deleted promptly.
Complaint sub-issue: Cashing a check

I deposited a check into my bank of the west account on XXXX/XXXX/2022 they told me my funds would be available at midnight on XX/XX/2022 and they are not available for withdraw
Complaint sub-issue: Other problem

I would like to file a complaint against Plastiq. On the XXXX of XXXX we made a payment for {$310.00} through their service. On the XXXX the payment was rejected and we were told we would be refunded the money within 3-5 days. It has now been over a month. I have sent several emails to the company and no one is helping with this refund. I have no other option but to file a complaint as they are not doing anything to see this issue resolved. 

The reference for this payment was ref : XXXX
Complaint sub-issue: Charged too much interest

Citibank charged me interest of {$0.00} on a balance of {$0.00} XXXX XXXX/XXXX/XXXX statement ). This is a monthly rate of interest of 100 % XXXX 1,200 % annually XXXX. This was the " minimum interest charge '' they claim they are allowed to charge, but this should be illegal.
Complaint sub-issue: Information belongs to someone else

Equifax has someone else name XXXX XXXX, birthday XXXX and addresses on my credit file. I informed Equifax on XX/XX/XXXX about this and asked them to delete this person information and any accounts that is relating to this person from my credit file. Equifax still haven't responded and it's been over 2 months and over 60 days. I sent my driver 's license and electric bill through certified mail with tracking. My ID, electric bill, the letter sent to Equifax and proof I mailed it certified is attached to this complaint to help identify the information and correct my credit file.I need this done asap because this is stopping me from getting approved and stressful.
Complaint sub-issue: Debt resulted from identity theft

To whom it may concern, I was planning on buying my first home i had checked my credit and seen that I have 22 accounts that does not belong to me. I do not know if it 's a mixed credit file or if someone has been using my info, But what I do know is that these accounts on my credit file does not belong to me. One of the accounts are Enhanced Recovery Corp ( XXXX XXXX ). On XX/XX/2016 I filed a police report with my local police station and filed an FTC Affidavit with the Federal Trade Commision. I then sent all that info plus some supporting documents to the credit bureaus and the creditors of the accounts. After waiting 30 days I received an response from the 3 credit bureaus that they concluded that my claim was frivolous. In accordance with Section 623 FCRA, 15 U.S.C. 1681S - 2 of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ) section 623 ( a ) ( 6 ), If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information Section 623 ( a ) ( 2 ). 

When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f )
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted all required documents to place a fraud alert, fraud account block on my report and equifax refuses to comply with the FCRA and/or FTC laws and placing this account block, every piece of information they requested was faxed and done twice, and this case is a refusal by this company, equifax to comply, and was told it was there policy, this is not a normal dispute, this is a serious matter that they are breaking laws and will face suit in XXXX XXXX, Mississippi within 15 days if they are not made to comply with the laws to protect consumers as which they are simply ignoring and are not made to abide by. I want this file blocked per ; The Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( " FDCPA '' ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.
Complaint sub-issue: Their investigation did not fix an error on your report

I can not write out my problem as this XXXX website does not allow time for me to type it. I am aone XXXX XXXXXXXX veteran!
Complaint sub-issue: Can't use card to make purchases

On XX/XX/XXXX, Discover froze my secured credit card for no reason. They claim something about the IRS. The email they sent me looks like a scam. Not from them. They refuse to let me use my card again without filling out an emailed form which is password protected. They have the password and so far refuse to release it. They stole {$500.00} from me and I want my money back. Their telling me to fill out their password locked info that I can't do or wait three plus months for my deposit back.
Complaint sub-issue: Information belongs to someone else

I have submitted several disputes and even reached out to the CEO of XXXX XXXX XXXX regarding 2 accounts listed on my credit report. I was a victim of identity theft, filed a ftc identity theft report and faxed it to XXXX only ro be told the ftc report is invalid. XXXX refuses to tell me how the ftc report is invalid and refuses to remive the 2 accounts. I have sought legal help but also need these accounts remived because they are ruining my life and credit file. XXXX also are reporting the incorrect court for these accounts.
Complaint sub-issue: Debt was paid

In late XXXX my checking account with XXXX XXXX XXXX was closed because of unpaid overdraft fee. The final debt was sent to R.A. Rogers , Inc for a total of {$100.00}. I received a letter on XX/XX/XXXX from R.A. Rogers itemizing the debt and stating that " Your check dated up to 30 days in advance will be accepted as payment in full ''. On XX/XX/XXXX I submitted the full payment plus a {$6.00} processing fee through their online portal for a total of {$110.00}. I followed up with the company on the following week and they informed me they had no record of my payment and no record of sending me that letter, and that the real amount owed to them was over {$160.00}. I faxed them my records, including the receipt and a copy of the letter they sent on XX/XX/XXXX. They continued to dispute the letter, and are claiming the extra {$50.00} is " their fee for handling the debt ''. I've disputed this with the credit agency as well but the company refuses to remove it.
Complaint sub-issue: Reporting company used your report improperly

15 U.S.C 1681 Section 602 A states the right to privacy.

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX
Complaint sub-issue: Personal information incorrect

My credit report doesn't have the correct name, phone number or address listed.
Complaint sub-issue: Information belongs to someone else

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. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

I have already tried before to resolve this fraudulent account with this company. This account is a result of fraud. I have never conducted any business with ERC or XXXX. Its not my debt, and their still reporting it on my credit. I demand a copy of the original contract with my Signature. They are in violation of the federal and state Fair Debt Collections Practices Acts. If they can't or refuse to provide the original contract with my signature binding me to this entity. Which means they are also reporting inaccurate information on my credit profile, which is a violation of the Fair Credit Reporting Act and must be deleted within XXXX days. This is my last time requesting this fraudulent account be removed. I will proceed with legal actions if this isn't rectified expeditiously.
Complaint sub-issue: Account information incorrect

I had a hard inquiry done on XX/XX/2021 stating that my credit report showed numerous accounts for my student loans. Then on XX/XX/2021 I received a letter from Nelnet stating that my XXXX XXXX Stafford-Unsub students loans had a balance of {$6000.00} and a XXXX XXXX XXXX student loan had a balance of {$3400.00} totaling up to {$9400.00}. However my award history from the University of XXXX XXXX statement shows I was awarded in XXXX Federal Direct Sub Loan for {$1700.00} and XXXX XXXX Unsub loan for {$3000.00} a total of {$4700.00}. However according to my credit report stating that I had a derogatory remarks and past due amounts of {$5400.00}. I am fusion I am losing the opportunity to buy a home and a government down payment assistance grant.
Complaint sub-issue: Account information incorrect

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  and XXXX XXXX WONT EVEN ALLOW ME TO DISPUTE ONCE I LOG ON.. 

EQUIFAX WONT EVEN ALLOW ME TO LOG IN OR RESET THE PASSWORD XXXX  I EVEN CALLED THEM TODAY AND THEY REFUSE TO CORRECT MY NAME AND ADDRESSES. 



MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX..CORRECT MY NAME ) MY ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX MY PHONE XXXX XXXX XXXX MY EMAIL XXXX ( i will only respond to email, no phone solicitations ) you are violating my rights with the false information. i am attaching all documents Drivers license, Birth Certificate, SSN, XXXX my name needs to match my officail documents/
Complaint sub-issue: Problem with customer service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX since XXXX. In XXXX, the XXXX rolled out their Public Service Loan Forgiveness program, which by all standards, was an epic fail. In XX/XX/XXXX, our incredible XXXX XXXX and amazing COO of XXXX XXXX recognized the need for a limited waiver. With that waiver, we are able to consolidate into a direct loan, use prior periods of repayment and receive forgiveness on the loan balance after 10 years/120 payments. I had been paying on my FFEL loans for over 15 years and was one of the folks in the XXXX settlement as well for being misled and lied to. I have done all asked of me by XXXX and Fed Loan Servicing to take advantage of this waiver, yet there are no updates, no communication and now servicers are being transferred when I am at the finish line, yet they claim no disruptions which is totally untrue. They have my approved employment, proof of over XXXX payments from XXXX XXXX XXXX XXXX XXXX my loans are now direct loans and now still 30 days later, I have heard nothing. When I call, I get " just keep waiting '' yet on the XXXX site they claim " XXXX will review a borrowers account when it contains two pieces of information : at least one Direct Loan and at least one approved Employment Certification. When both conditions are met, XXXX will review the borrowers account. XXXX will identify all new payments to be added and instruct FedLoan Servicing to update the account. If any conditions of the account change, XXXX will re-review the account. Borrowers at or over XXXX payments will get priority reviews regardless of when their PSLF forms were approved. '' I am humbly asking XXXX XXXX to help get involved on my behalf. I do not want to ping pong between servicers and be kept continually waiting for forgiveness that I have rightfully earned. PLEASE HELP, I am begging you and really exhausted with this constant run around and finger pointing without any help.
Complaint sub-issue: Their investigation did not fix an error on your report

Earlier today I submitted a complaint against XXXX and included Equifax. There is only enough space to upload so many documents. 
This complaint is against Equifax and I will include XXXX but will be uploading evidence from Equifax. 
The first part of the complaint is that the Department of Education XXXX XXXX XXXX has taken one loan with ONE disbursement and divided it into two tradelines. This is not accurate. It has compounded the adverse affects of my credit rating by multiplying and exaggerating the number of accounts. Page two of their response to my Congressman admits to this deception. If they wish to use the original loans that were paid off using the consolidated loan I received from XXXX  XXXX XXXX and sold to the Department of Education XXXX XXXX XXXX they should be forced to use the original loan dates making it too old to remain on my credit file. 

Paid collections are removed after 5yrs from first delinquency. The first delinquency with the newest account information is XX/XX/XXXX. This means the account is due to be removed in a couple weeks. 
I was told by Equifax today that the account was not closed even though it shows more than 180days late. Standard practice is to close account and sell to collections at the 180day late mark which is what they did. It was sold to The department of education XXXX XXXX XXXX in XXXX. The department of education XXXX XXXX XXXX sold it to XXXX in XXXX and was sold to the law firm in XXXX. We can see this in the status comments on my file. Equifax only shows previous 24months. Screenshot submitted. But the department of education XXXX XXXX XXXX started reporting collections in XXXX. Screenshot submitted. Do not confuse reported collections with first delinquency. 

The address given to contact about the reported tradeline does not belong to the Department of Education XXXX XXXX XXXX it belongs to XXXX XXXX XXXX A COLLECTION AGENCY! Screenshot submitted.
Complaint sub-issue: Reporting company used your report improperly

I have sent numerous letters and tried to resolve this issue. I demand this account be deleted immediately. I am in litigation and by law this agency must delete.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This is not a duplicate item. 

This is a new and valid complaint. 

XXXX XXXX XXXX, as you will see from the attached document continues to report this bogus collection with missing data and deceptive collection procedures, even though after the evidence was presented against them they agreed to delete this from my credit report and the date is clear, they reported it again in XX/XX/2022. 

This is mockery yo the collection process, mockery to the consumer protection board, and they have yet to be held accountable for their deceptive trade practices as earlier disputed. 

They continue to report this report illegally and equifax continues to host this report even after the evidence proved they were being deceptive. 

I demand an investigation into the by administration of the consumer board and seek charges against rent recovery for their continued deceptive trade practices. Its illegal, they are breaking the law, defrauding me, and the law is as follows below. 

Fair Credit Reporting Act Tags : Consumer Protection Privacy and XXXX XXXX XXXX XXXX Consumer Protection Law 15 U.S.C. 1681-1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and XXXX XXXX XXXX Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.