Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/XXXX. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # 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
Complaint sub-issue: Can't close your account

A few months ago i tried to open a checking account at a major bank and was denied due to record with XXXX out of XXXX, MN. I ordered a free report from them and it shows that I am on record for " ACCOUNT ABUSE '' from US Bank. 
I HAD an account with US Bank out of the XXXX, SD branch. Around XX/XX/2015, I had an issue with a potential landlord attempting to steal money from me in the form of an uncashed deposit check for an apartment i never signed a lease for. I contacted US Bank and spoke to a Personal Banker by the name of XXXX ( Last name unknown. ) I advised XXXX of the situation and he told me that my account would be closed that day. 
Few months down the line I get a letter of account closure stating i owe over {$500.00}!! in overdraft fees from other items and automatic payments coming out of the account. XXXX NEVER closed the account like he stated he would. 

Now fast foward two years I can not open an account at a major bank due to a false record on file with XXXX furnished by US Bank. This account should have been closed per my request to XXXX which should be on record at US Bank. I do not owe this {$500.00} balance on the account. I want that deleted and I want that record removed from the XXXX database. 

This is a violation of FCRA by US Bank. They are reporting account abuse on an account they should have closed!
Complaint sub-issue: Account information incorrect

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$18000.00}
Complaint sub-issue: Trouble with how payments are being handled

My studen loan servicer is Nelnet. They notified me at the end of XX/XX/XXXX that they will no longer accept credit card payments as a form of payment. I'm a US citizen that lives and works in XXXX XXXX and currently do not have a US bank account. I contacted them about this in early XX/XX/XXXX to see what other alternative payment options overseas borrowers may have - after several calls and emails, I was told a prepaid card would work. I obtained a travel prepaid card that allowed me to load US currency - this was declined by Nelnet. They then told me the card needed to be a prepaid card coded as debit. I met with my bank in XXXX XXXX and they helped me track down a prepaid card coded as debit that allowed me to load US currency - this was declined by Nelnet. Nelnet put my account into forbearance until XX/XX/XXXX ( without my permission ) saying that they would find a solution for me in the meantime. It is now the end of XX/XX/XXXX and I have not heard a word from Nelnet. I've continued to send emails and they either don't respond or reply saying that I can use a prepaid debit card - they don't actually address the problem ( that the prepaid card coded as debit doesn't work on their end ). Once I can plan a visit home, I will open a US bank account in my name - but I am not able to do that unless I am physically present ( I tried opening an account through numerous banks ). Unfortunately, I can't just hop on a plan to the US for the sole purpose of opening a bank account ( airline tickets are around XXXX dollars ). I believe Nelnet is intentionally not responding to my emails now. I have also lodged complaints with the Department of Education. The first response from the Department of Education was to close my case, saying their records show Nelnet gave me a solution. I lodged another complaint saying that Nelnet did not give me a viable solution as their advised forms of payment were not accepted. This complaint is currently open and is still not resolved.
Complaint sub-issue: Received bad information about your loan

My spouse recently had some changes made to her income and since I'm on an IBR I sent in the appropriate paperwork to make a change ( XX/XX/19 ). All paperwork ( paystubs ) were sent in and the correct filing was done. 30 days later on XX/XX/19 I was denied a change. The explanation was that the paperwork was " more than 90 days old ''. The pay date for the subs sent in was from XX/XX/19 which still isn't 90 days old. 

I called on XX/XX/19 to have them check and the rep said that it was a mistake and all the paperwork was filed correctly. He said that I would have it corrected within 10 days. I called 14 days later ( XX/XX/19 ) when nothing had changed and was told that it was still processing and that I needed to wait. Meanwhile I've had to make 2 months worth of payments calculated on a salary that is larger than it is currently. I am so sick of constantly waiting for these people while I'm held to a perfect standard when it comes to my own actions. Please help.
Complaint sub-issue: Reporting company used your report improperly

The Credit bureaus stated my accout for XXXX XXXX Account # XXXX was properly investigated but how it that possile if there are multiple inaccuracies on my report? I have listed them : 1. Last verified- inaccurate 2. Date of last activity-inaccurate 3. Date reported- inaccurate 4. Date Opened- inaccurate 5. Closed date- inaccurate 6. Creditor remarks- inaccurate 7. Last Payment- inaccurate 8. Payment frequency- inaccurate 9 Two year payment history shows 4 30 p+lus days past due. if it's in collections how is it past due?

This is grounds for removal!

My rights have also been violated under 15 U.S.C. 1681 Sectipn 602 A which sttes thatI have the right to privacy.

15 U.S.C. 1681Section 604 A Section 2. It also states a consumer reporting agency can not furnish an acount without written instruction. I never gave written instruction!
Complaint sub-issue: Their investigation did not fix an error on your report

As a consumer, I have rights under the Fair Credit Reporting Act. 
XXXX and Equifax are both in violation of the FCRA Section 604. Permissible purposes of consumer reports and Section 607. Compliance Procedures. THEY VIOLATED THE UNITED STATES CODE LAW.

My personal information was exposed in the Equifax breach in 2017 and I sent two dispute letters to Transunion and Equifax about some impermissible inquires on my consumer credit report. The first letter was sent on XX/XX/XXXX and the second letter was sent on XX/XX/XXXX. XXXX nor Equifax has yet to remove these impermissible inquires from my consumer credit report. FCRA Section 607 states that CRAs are required to make sure that consumer reports are only being used by appropriate people and for legitimate purposes, as spelled out in Section 604.

FCRA Section 604. Permissible purposes of consumer reports clearly state any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 1. In response to the order of a court having jurisdiction to issue, such as a subpoena, and in connection with proceedings before a Federal grand jury 2. In accordance with the written instructions of the consumer to whom it relates 3. To a person which it has reason to believe A. intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer B. intends to use the information for employment purposes C. intends to use the information in connection with the underwriting of insurance involving the consumer D. intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status E. intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation F. otherwise has a legitimate business need for the information i. in connection with a business transaction that is initiated by the consumer ii. to review an account to determine whether the consumer continues to meet the terms of the account. 

IMPERMISSIBLE CREDIT REPORT ACCESS IS A BREACH OF PRIVACY Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave XXXX and Equifax any written consent to report anything on my consumer report, nor did I instruct or give consent to anyone in writing to obtain my consumer report. No consent is Identity Theft. As a consumer, these inquires in this complaint must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also, I have already involved and sent a letter to the attorney general 's office, XXXX XXXX XXXX and federal trade commission.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX : {$8100.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I was checking my credit reports the other day and noticed that these accounts are inaccurate, and I need them removed from my credit reports because it is destroying my life! In Accordance With the Fair Credit Reporting Act the accounts listed below are on my credit reports and violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Inaccurate accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Incorrect Name : XXXX XXXX XXXX. Correct Name : XXXX XXXX XXXX. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I never provided written instructions. 15 U.S.C. 1681a-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. Someone knows that this information is inaccurate, and is negligent in correcting my credit reports.
Complaint sub-issue: Didn't receive notice of right to dispute

National Recovery has failed numerous times to notify me it's intent to report an alleged debt to the credit card bureaus. On XX/XX/2019, I had received notification from XXXX XXXX that there was an added derogatory account. National Recovery had failed to provide me a 30-day notice to dispute the debt. The company will receive a notice demanding them to provide validity of this debt within 30 days of the date they receive the letter. This is not the first time they had failed to provide me with notification of an alleged debt.
Complaint sub-issue: Trouble with how payments are being handled

This complaint is about the servicer XXXX, or actually the Department of Education for granting this outfit a contract. 

XXXX, in their otherwise very user friendly website, has no option to make any payments towards the principal. There are all kinds of repayment options except being able to pay additionally towards the principal. 

Now, why would this be? Perhaps the other repayment options available offer a clue. Indeed, they all maximize loan interest revenue. So, clearly this is a ploy to make it difficult for the consumer to get from under these loans. 

Is that the intention or in the spirit of the Education Department 's mission to get young people to obtain an education and build a life for themselves? 

Do the contract managers of the Dept of Education that  review prospective loan servicers, take that into account, in addition to 20 plus pages of other federal requirements? 

Please pressure XXXX to make this option available immediately or do not renew their contract. 

Best Regards, XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

On XX/XX/19 I paid {$29.00} to my credit monitoring account to review all three credit bureaus and became aware that there were significant fraudulent accounts on my credit reports. After reading my rights as a consumer in the Fair Credit Reporting Act, I typed and signed a dispute letter accompanied with an Identity Theft Affidavit by the XXXX XXXX XXXX  as well. I sent all three letters and their contents to all credit bureaus, XXXX, Equifax and XXXX XXXX onXX/XX/19and I confirmed all three bureaus received them on : XXXX   Tracking : XXXX DeliveredXX/XX/19 XXXX XXXX Tracking : XXXX Delivered XX/XX/19and Equifax tracking : XXXX XXXX  delivered. I know I have to give the credit bureaus legally 30 days to investigate and process, however it is nowXX/XX/19( 40 days since the credit bureaus received my packages ) and I paid another {$29.00} to my credit monitoring accounts only to discover that NONE of the disputed accounts have been removed from my credit. I am writing to the Consumer financial protection bureau to assist me on this issue and correct it as soon as possible.
Complaint sub-issue: Frequent or repeated calls

Credit card company calls me at least XXXX times per day attempting to collect payment. I received a letter stating I had until a specific date to contact them regarding my debt before they turn it over for legal action, and they have still continued to call repeatedly XXXX times per day.
Complaint sub-issue: Account status

I have submitted information several times to Equifax regarding a  XXXX   XXXX  dispute but they still refuse to correct the problem.
Complaint sub-issue: Account opened as a result of fraud

A person opened an account with my social security and called my number, distorting me many times.
Complaint sub-issue: Information belongs to someone else

I called Equifax and spoke with several employees including someone in their Consumer Affairs Department. I called them because I applied for a apartment and received back information saying there was a fraud alert on my account. I wanted to know what it was. The agent said they needed to verify who I was but after providing them with my Name, Social security number, date of birth, current cell number, current address and the total amount of my students loans and who they are with this was still not enough verification data. I feel that considering I didnt give them permission to have any of my personally identifying information they should be verifying my data with me. 
They actually requested more documents for me to verify who I am. The process is time consuming, unnecessary and totally ridiculous. I must send them more information than any government agency I have ever dealt with and they seem to have more power than any government agency. I have a real id from my state and considering what I had to provide to get it the information from it should be enough for me to find out what they are reporting to others about me. There needs to be government oversight of this industry they are ruining lives with their dissemination of misinformation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX
Complaint sub-issue: Information belongs to someone else

i have problem with Equifax Credit Bereau. EQUIFAX reporting my information to other parties with out my consent and they stole my all personnel information like SSN personnel email and personnel address. because of this personnel information breach i am getting unknown calls from unknown people , threaning me , sending XXXX  messages to my mobile harrassing me by calling from unknown numbers . this is because of EQUIFAX sending and sharing my information to other parties. and equifax showing falsify information on my credit report beacuse of that iam paying XXXX APR every month. i have been paid XXXX interest in just two years because of EQUIFAX falsify credit report. iam going to file a law suit against Equifax. we are struggling her becuase of Equifax. not getting any bank cards any other credit cards, and not able to refinance my car too. we are struggling because of Equifax.
Complaint sub-issue: Charged too much interest

In XX/XX/XXXX I was contacted by the Citi Best Buy credit card company if a charge on my credit card was mine. The amount was {$400.00} and I told them it was a fraudulent charge. The Citi Best Buy credit card company stated they would mark it as fraud and would remove it from my account. 

When my XX/XX/XXXX statement arrived the fraudulent charge was not removed from my account and I was also charged {$4.00} for interest on the fraudulent charge. 
For the following three months I have had to call and remind them of the fraudulent charge and to have the interest charges removed from my account. 

Even after the fraud charge was finally removed for my XX/XX/XXXX statement, they are still trying to collect interest from me. This is a criminal act from Citi Best Buy credit card company.
Complaint sub-issue: Debt was paid

On XX/XX/XXXX, a payment of {$170.00} was made to Avante to settle a debt owed to XXXX furniture store. Before payment was made, it was communicated that this debt would be deleted from XXXX credit reporting bureau and this has not yet been deleted as promised.
Complaint sub-issue: Didn't receive terms that were advertised

Received a promotion to open a checking account with a {$500.00} bonus after completing the following activities : Deposit {$5000.00} within 30 days Make 5 transactions within 90 days Enroll in online banking Opened with promotional code and enrolled in online banking. Performed the following activities : XX/XX/22 - opening deposit of {$100.00} XX/XX/22 - {$5000.00} new money deposit XX/XX/XXXX XXXX XXXX XXXX  XX/XX/22 - XXXX XXXX XX/XX/22 - XXXX XXXX XX/XX/22 - XXXX XXXX Account is in good standing and no promotion bonus as of XX/XX/22. Can provide more information if needed. Thank you
Complaint sub-issue: Debt was paid

Attempting to collect a debt not owed. I have never signed a service agreement with PMAB LLC. The debt in question was result of medical insurance balance that I was unaware existed. ( I have maintained health insurance coverage the entire time period in question. Once I was made aware of the discrepancy the balance was paid in full to the XXXX XXXX urgent care. I attempted multiple times to reach out to PMAB LLC and have this invalid credit remark removed from my credit profile.
Complaint sub-issue: Information belongs to someone else

Sent out several letters explaining that the information they had regarding accounts were not mine. I asked for the original signed documents to prove that the accounts belonged to me. The credit bureaus keep reporting the information as mine. 
sent letters XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018. I even sent letters using certified mail.
Complaint sub-issue: Billing dispute for services

According to 15 USC 1666b, timing of late payment, They did not have the verbal or written consent to furnish late payments on my credit report. 
Account name : XXXX XXXX  Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX XXXX Account # : XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( Equifax, XXXX, XXXX  ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Complaint sub-issue: Account information incorrect

I was in deferred until XXXX and the account was fully paid-off in XXXX, so as part of the closi

ng process all pending payments should have being cleared as part of it. I recently applied for a mortgage where for my surprise it was reported by Loancare a 150 days past due after the account was closed and money disbursed. The purpose of this dispute is to correct this error ASAP as I am trying to purchase another home this error is inferring with your ability to do so.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i called Equifax about an inquiry on my credit report i didn't apply for credit with this company. They are unwilling to help me. the inquiry was from XXXX XXXX XX/XX/XXXX XXXX i want this deleted from my credit report because i didn't do it.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 I paid MoneyLion the remaining balance of a charged off loan in the amount of {$54.00} ( {$52.00} plus tax ). The account wasnt updated with the credit bureaus so I disputed the account to get it updated but the account still came back showing a balance of {$52.00}. I called the company multiple times and they have acknowledged that I paid the account but have stated they dont know if the credit bureaus will update the information. Can you please help rectify this problem. 

Attached is the bank statement showing payment to MoneyLion. Page 6.