Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record

I am including documents showing my current credit scores, according to Equifax XXXX credit bureaus credit reports and scores, this is simply unfair, that XXXX XXXX still reports my Gold Card I still have with them as a negative account, and there is also another problem at my job they simply do n't care, and having all the evidence showing this is unfair, as the complaint number shown above here at C.F.P.B. shows, there is no need to write a lot here, just to show how this looks at the credit bureaus today, Wednesday, XX/XX/XXXX, XXXX XXXX. Complaint submitted at XXXX XXXX today, evidence included here. No matter it appears written that consumer disputes the account, that does not change the fact, the credit reports are not showing any evidence about why the dispute still exists, and the negative account is just as negative, and unfair in this case, that the credit report still appears affected, and, I am not able to pay now for the F.I.C.O version of XXXX XXXX, the one used by banks most of the time, next XX/XX/XXXX to XX/XX/XXXX, the investigator at the U.S. Equal Employment Opportunity Commission said they should receive the first response from the local Department of Education, where I am suppose to be working and I am not, complaint at the E.E.O.C. is number XXXX, and there was no response from the local Dept. of Education since last XXXX, when this complaint at the E.E.O.C. was submitted, so is not only XXXX XXXX the problem. XXXX XXXX complaint evidence, added in order to show this is reported at all XXXX main credit bureaus, including XXXX also. XXXX XXXX canceled the pay over time, also called extended payment option the account, because of a negative report shown at Experian according to their representatives over the phone, but the error only appears at the F.I.C.O. version of XXXX XXXX as I detected and it is shown here. But no matter all the evidence included here, showing that XXXX recognized the error in writing, as the included e-mail clearly shows, and it is dated XX/XX/XXXX, and the dates shown at F.I.C.O. XXXX XXXX match with this date, but someone has to take the time to verify all this, this ca n't be done automatically, because of this error, XXXX XXXX suspended the extended option called also pay over time feature of this gold card, no matter it is needed by so many of us as clients and they know it, they have experience with me of more than 24 years already. The student loan in question, that is the center of this error, was transferred to the US Dept. of Education, and it was reported as delinquent by mistake during this process according to XXXX, why this is not recognized, as it clearly shown by XXXX?
Complaint sub-issue: Debt is not mine

I have had XXXX installed as a precaution due to my XXXX, so that when I have a XXXX XXXX I can press my necklace signaling the paramedics. We bought a house and decided to move the system with us. After we moved there were several occasions where my husband and I were called about a burglar alarm, fire alarms and other instances of the alarm being tripped. I would call in several times to speak to someone about the issues because when I would race home, thinking my daughter or mother was in danger ... .everything would be fine. Upon finally reaching someone with XXXX who could pull up my account, they stated that the previous address we moved from was still active and that there was n't much they could do about it. It was too much work to de-activate every sensor in the house. I asked to speak to several different people until they finally agreed to go through and de-activate each sensor. They refused to give me my money back for the 3-4 months the false alarms were going off at the previous residence we lived at. I asked to cancel their services and they refused during our last conversation over the phone. Since that call, I 've been in and out of the country for work and my bank account was hacked and shut off due to the security breach. I 'm still in the process of switching all my automatic bills and such over to the new account. Then I receive a letter from Omega RMS , LLC, a collection agency hired to collect the remaining balance of my contract which is {$760.00}. I spoke with them and they are asking the full amount regardless of the horrible service XXXX has delivered. No one will help me fix the issues because they know we are extremely distraught with their so called security systems and are now demanding we pay the full amount of the contract, even though they did anything but provide security for me and my family. I just wanted to feel safe in my house and I do not with their system not operating to the full extent that we originally agreed on. There should be some sort of clause in that contract that if the security system is defaulting, no charges should be made to the customer otherwise, why should I even have it? If it 's not going to work all the time, what am I paying for? There was no urgency to resolve the issue, when in fact if anything would of been on fire, a emergency medical situation arose or we had been burglarized ; my attorney would of come after them with flying colors due to the issues they would not correct or even take responsibility for.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX, I mailed and faxed a dispute letter to XXXX, Equifax and XXXX requesting to dispute negative credit items and inquiries. I never received a physical paper copy of the dispute resolution in the mail. According to the Fair Credit Reporting Act, the credit bureaus are required to respond to claims within 30 days and inform me of the results of it's investigation within five business days or they have to automatically delete every item that I disputed. I waited for 45 days and then mailed and faxed all 3 credit bureaus a NEW dispute letter on XX/XX/XXXX, requesting a copy of the investigation results from XX/XX/XXXX. I also requested that they send me proof of how they verified the items and if not provided within 15 days, that they needed to delete every item and inquiry that was disputed. Again, I never received a response in the mail from either credit bureau. Under the Fair Credit Reporting Act, it is a violation for credit reporting agencies to report inaccurate information about anyone, mixing up one 's personal information with someone else 's because of similarities or same names, social security numbers, addresses, etc. Agencies who fail to follow guidelines for handling disputes will be prosecuted in a court of law. According to FCRA, If you find an unauthorized or inaccurate hard inquiry, you can file a dispute letter and request that the bureau remove it from your report. The consumer credit bureaus must investigate dispute requests. If the furnisher corrects your information after your dispute, it must notify all of the credit reporting companies it sent the inaccurate information to, so they can update their reports with the correct information. No proof of investigation results have been received from any of the 3 credit bureaus. In the event that the credit bureaus attempt to state that they never received the said documents in the mail or via fax, I also included and attached them in previous CFPB complaints that were filed against these XXXX credit bureaus. The CFPB complaint numbers are as follows : XXXX Equifax, XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX Equifax, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Equifax, XXXX XXXX, XXXX XXXX, XXXX Equifax, XXXX XXXX, XXXX XXXX. I am demanding that each credit bureau remove, delete, suppress and expunge each negative item, inquiry, incorrect address, name, phone number, employer, public record that I have ever disputed and restrict them from being added back to my report in the future. I am requesting that updated reports reflecting these changes are mailed to me within 15 days of today 's date or I will have my attorney file charges in court. Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$710.00}
Complaint sub-issue: Can't get other flexible options for repaying your loan

I reached out to Sallie Mae about my monthly payment this evening because I can not afford the current monthly payment of XXXX a month. The person I spoke with told me that I could extend the term of the loan and was give a monthly rate of XXXX that I told him I still could not afford in my current situation. I told him that I could more closely afford something around XXXX but no more than XXXX. I was told there was nothing that could be done other than forbearance. I said I didn't want to do that, that I am still trying to stay current on this loan so I don't fall behind and miss the payments. I asked if there was a different department or someone I could speak with that neither of those worked for me and was told there was no other department and that I could speak with their escalations department. I was transferred there and was told the same thing that I can either do that plan or I can do a forbearance. This agent also suggested that I could just pay what I can and when I fall behind on the loan that I can just talk to their in-house collections department to see what they can work out. I was given no alternative options and just told that they can do nothing until I stop making payments towards the loan.
Complaint sub-issue: Other problem getting your report or credit score

I have requested 5 times to have this credit freeze removed. Equifax is not removing the freeze after I have provided the Pin # and the requested personal information. This is preventing me from applying for credit and obtaining a new car loan. The Confirmation Numbers Provided to me are : XXXX from XXXX/XXXX/XXXX XXXX from XXXX/XXXX/XXXX Each time I call, I am told it will be processed in 15 minutes. Its been 4 days and 5 phone calls later it is still not removed. I have also tried removing it online. and I receive a message that it has been processed and it remains in place. They told me their was an address discrepancy. I have also provided Equifax with proof of my address on several occasions. A representative from the dispute department stated the documents were received and verified. Incorrect Address : XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX
Complaint sub-issue: Debt was paid

XXXX XXXX illegally sold to I.Q. Data International INC. our XXXX rental related debt during the month of XX/XX/2021, which goes against the AB832 law. I.Q. Data International INC. has no legal obligations to pursue the XXXX related debt in collections per the XXXX California State law. The debt XXXX XXXX deemed XXXX XXXX, XXXX XXXX, and XXXX XXXX owed has been paid by the XXXX XXXX program in the form of a overpayment from the original amount owed of {$3100.00}, by paying a total of {$3100.00} on XX/XX/2021 directly to XXXX XXXX, within the legal timeframe under the XXXX state law, that also included a payment of {$37.00} to the illegal interest I.Q. Data International INC. pursued to collect. 

Though XXXX XXXX management is aware that this debt was paid in full directly to them, they have refrained from notifying I.Q. Data International that this debt is to be disputed because it was paid in full. I have contacted I.Q. Data International since XX/XX/2021, by phone explaining to their representatives that the debt the were collecting is illegal, because it is XXXX related debt, and each time they stated they were awaiting a response from XXXX XXXX to confirm this debt, and to confirm the amount stating we owed was paid to XXXX XXXX in full by the state of California. I have reasons to believe that XXXX XXXX  did not respond to I.Q. Data International in truth, which is why they are continuing to pursue this debt, though we are sending them proof in writing that the debt they have continue to collect is illegal. 

The debt paid by the XXXX XXXX rental assistance program, to XXXX XXXX, included illegal fees. There was never a vaulted ceiling fee in our lease at any time we signed, or resigned our lease. XXXX  also charged us for false damages such as painting the unit, and unit upgrade fees.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

XXXX US BankXXXX is excessively holding funds that were on pre-authorization from a hotel stay I had at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. The property has been willing to work with the card company but the card company 's representatives consistently give erroneous information. I was first told that upon submission for card XXXX XXXX XXXX XXXX that as long as there was a CARD ID provided that the amount given on the merchant release letter did not have to match what the card company has. This is significant because the card company charges an additional 20 % of incidental charges for any service industry charge yet the property can not see that. Each time the merchant sent a release form it takes four hours to process for each mistake is costing me four hours of waiting time. The property doesn't normally submit a form on a charge that they can't see buy again, to assist they did so. I conferenced in the property with the bank and agent XXXX XXXX is on recorded line stating with confidence that it the hotel would re-submit the form with the amount " {$80.00} '' that, that amount would be released as of yesterday XX/XX/18 that she would be able to release once the fax was processed. So Again I waited another four hours, a total of eight. I had no where to stay and that amount was to be released so I could get room and board. Approximately XXXX XX/XX/18. I called for the release and was now told that information given be XXXX XXXX was erroneous this makes two conservative call like this. To compound the issues subsequent agents were rude and unwilling to assist and they were address with an appropriate response. I then got Ms XXXX XXXX back on the line in which she completely contradicted herself bringing her integrity into question. I then spoke to someone claiming to be her supervisor who continued to reiterate lies. All the while I, the customer have no place to go until my money is released days from now. This is also hours after the property who originally submitted the charge had placed in writing that they were releasing that amount and would not purchase any additional amount for payment. My bank, the institution that's supposed to protect now punishes me with bad information and lies and in effort to cover it up they continue and instead of helping their own customers and this pattern has caused me to seek damages. Please assist
Complaint sub-issue: Overcharged for a purchase or transfer you did make with the card

I am a XXXX XXXX  and my pay for work is paid daily on a XXXX  card. Not only do they frequently create duplicate charges while a transaction is pending, they also deny transactions and then blame the merchant for holding the money. Most recently this happened to me at XXXX XXXX when I went to a self checkout lane and attempted to get {$40.00} cash back. It was declined. Later Monday night I called the automated line only to learn I had a charge on my account that shows it went through. Customer service informed me I would have to complete some dispute forms. They said it will take 45 to 90 days to resolve. That's great, a half days pay, I might get back after XXXX. I also contacted XXXX XXXX and they could offer no help. I've never had such a XXXX card as the wisely card. And they paid handsomely in the fees they charge to have such XXXX xs
Complaint sub-issue: Their investigation did not fix an error on your report

Around XX/XX/2019 I've submitted my dispute letters to Equifax, XXXX XXXX, and XXXX, but also the collection agency XXXX XXXX XXXX XXXX.. XX/XX/XXXX I received a letter of correspondence from XXXX stating that my concerns will be reviewed yet the item is still on my Equifax report and my XXXX report . On my XXXX XXXX report the account has been closed and this occurred XX/XX/2019. None of the companies have provided me with any proof that I have a contractual obligation to pay the collection agency, no contract bearing my hand written signature on it at all. This has ruined my ability to get additional things accomplished due to these companies willful non compliance with the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). I have the right to request the method of verification under the FCRA, Section 611 ( a ) ( 6 ) and 7. The credit reporting agencies MUST provide me the method of verification information within 15 days of my request, yet this hasn't been done either. Enclosed with my complaint will be all the documentation that I've sent and received so far. Also I'm enclosing a screenshot of my XXXX XXXX XXXX XXXX credit update as proof that the account has been closed.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2021, I sent in a request for validation to said Company FIRST FEDERAL CREDIT. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g 30 days is given to investigate or respond to said request for debt validation. I have not received any correspondence back from company! it is not XX/XX/2021. It is a violation of collection practices act for a debt collector to refuse to send validation notice or fail to respond to my request letter.
Complaint sub-issue: Account status

Equifax Is willfully reporting inaccurate information on my credit report Acct XXXX # XXXX XXXX # XXXX I disputed XXXX accounts they were showing open and delinquent past due. After the dispute it now states zero balance and closed. I Also disputed with XXXX and they removed /Deleted off of my credit report. All XXXX Credit bureau 's need to report the same information but Equifax Has not Remove/ deleted the item.
Complaint sub-issue: Old information reappears or never goes away

I have a XXXX XXXX bill showing on my credit report for {$74.00}. I don't know when I had XXXX XXXX  but it was over 10 years ago. My credit report shows a bill opened XX/XX/19 on my credit report that is not mine that I recall at this time it is inaccurate. At least not here in Florida. I have been here for four years now.
Complaint sub-issue: Charged too much interest

I have a citi simplicity card. I pay my balance in full but was still charged interest XXXX when calling the company they said they charged the interest every circle???
Complaint sub-issue: Debt was result of identity theft

I had an account with a company a called affirm when i opened up the account i had a the folowing phone number XXXX got two loans from them first one was XXXX and was pd on XX/XX/XXXX. i obtained another loan in XX/XX/XXXX and pd off that account on XX/XX/XXXX amt pd XXXX. I contacted affirm to try to obtain a new loan in XX/XX/XXXX but my phone number from had changed when i obtained the loan my phone number was XXXX now i had a new number I had notice there was another persons information on the account by the name of XXXX. I tried to update my information but the app was not user friendly i tired call affirm and update the information they asked me to update my email first then they would be able to assist me which i did XXXX. As soon as I did that with the company. I received a collection letter from XXXX dated XX/XX/XXXX for the amt of XXXX for a purchase they said i did XX/XX/XXXX and i received another letter from AFNI charges in the amount of XXXX they stated these charges XX/XX/XXXX. I told them I did not make these purchases they still sent me to collections and it is now being reported to my credit ..
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, I mailed letters to Equifax, XXXX, and XXXX XXXX ; asking them to investigate errors on my credit report. They were supposed to respond within 30 days, but they have not.
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 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: Account status incorrect

I did not consent to disclosure of my nonpublic personal information to any non affiliated third party. The consumer reporting agencies have failed to conduct a reasonable investigation into this matter. As a result of their negligence, this has caused a restraint of trade and commerce. I have reasonable cause to believe I am being extorted and the fraudulent furnishing of this alleged debt was meant to cause me duress by ruining my consumer report reputation. I revoke any alleged contract or agreement, whether implied or explicit, that I may have been induced into due to undue influence. 

TILA, GLBA, FDCPA, False Claims Act, Sherman Antitrust Act, Clayton Antitrust Act, Robinson-Patman, Fair Trade Commission Act, and the RICO Act.
Complaint sub-issue: Account status incorrect

On XXXX XXXX XXXX I opened a credit card with XXXX XXXX XXXX ( who I bank with ) and only used the card once or twice for gas and always immediate paid it off, never carrying a balance. I simply stopped using the card and in XXXX of XXXX unbeknownst to me I was charged an annual fee. I had moved at the end of XXXX and XXXX XXXX XXXX had an outdated address and my mail was not forwarding with 100 % accuracy, therefore, I missed the statement/ bill that said I had a balance outstanding due to the annual fee ( about {$40.00} I believe ). I was not setup with online banking and not once when I went to the bank to withdraw funds/ deposit checks did they notify me of the problem. I was also not setup with online banking, which after this experience I am. After two months they simply closed my account and I did not find out about it until I went to apply for a loan and was informed that my score had dropped significantly. I would think that after getting returned mail XXXX would take the initiative to attempt to contact me in some other fashion outside of mail, but they did not. The account is now showing as " Paid '' but the negative remarks as far as being " late '' on payments right before they closed it is significantly impacting my ability to qualify for a loan/ additional credit. 

I called XXXX and they said they could NOT simply change what they were reporting to the credit bureaus, and told me to file a dispute with Equifax and XXXX. I did just that and both came back saying that everything on my report is showing as accurate. What is so frustrating is that XXXX is telling me to contact the credit bureaus but then the bureaus are telling me to contact XXXX to resolve this! 

My dispute date with Equifax is XX/XX/XXXX and my confirmation # is XXXX. 

My report # with XXXX is XXXX.