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

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were late payments showing on my report and these report is misleading and suspicious and was never late. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Complaint sub-issue: Don't agree with fees charged

I have a loan that is from XX/XX/XXXX. XXXX. I was paying then the bank that had the loan went under. I did not hear anything for yrs then when I did the loan was XXXX. No records of any $. I asked about other $, was told they did not have a record and this was the loan amount. Starting payment again. Then new company took over, loan was again the XXXX with no record of $. This has happened over & over so many times I can not keep count. Now Great Lakes has it; they had the loan at XXXX w/n record of $. I have called them over & over to try to get this settled. My loan went to default once & I was paying XXXX monthly. Great lakes did not have this records either. I called the default department to get this moved over. I asked them to contact the company that I was paying & great refuses. They refuse to look for any payment history! The student loan is listed 3 times on my credit; I have gone around & around with the student loan to get this corrected. So they finally closed XXXX of them just to leave the XXXX listed as money owed. What money is listed on the other XXXX that they closed, that money should be transferred to the great lake account. I have cks showing payments great lakes does not have & they refuse again to accept or try to help get this correct. I was buying a house in XXXX TX in XX/XX/XXXX is when I got the student loan to close out the open accounts that was listed incorrectly. I was not in default and was paying at that time I have ck to XX/XX/XXXX. This loan should be paid off, yet as I sd before Great Lakes refuses to look for the other companies that has this loan & find the payments. This is an in just to me, I want the history of my payments found and applied to the 4K which is what the loan should be. I went to school to be a nurse. I have worked in the XXXX field for over 20yrs and now XXXX. They are threaten to take my SS. I want this removed & shown as paid. I have even tried to get them to take a pay off & they refuse. I do not owe XXXX$! Please help get this settled; I do not know how you will do this without me being able to leave personal info. So I feel this is also a waste of my time & who ever reads this. Where do good people get help from the crooks in GOV!? I have no other recourse but to file bankruptcy. Which is very very sad!
Complaint sub-issue: Investigation took more than 30 days

To whom it may concern, On XXXX XXXX of 2017, I sent written communication to equifax requesting that they update my credit report showing my auto loan being paid in full. After a phone call to equifax, I was advised to send all documentation in writing, in which case I did so. I included a letter from XXXX financial services stating my account has been paid in full as of XXXX XXXX of 2017. To date, my credit report with equifax has not been updated. All other credit reporting agencies are showing as paid in full. I contacted equifax once again and was told while they did receive my documentation, they have an additional 60 days to respond. I am attempting to refinance my home in which the deadline is about to expire and will soon be in default. I ask kindly for any help you can give in this matter as I believe I have exhausted all avenues. Thank you in advance for your attention with this matter. Kind regards, XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive terms that were advertised

I opened a U.S. Bank Business Checking account on XX/XX/19. U.S. Bank was running a promotion from XX/XX/19 - XX/XX/19, during which if I opened an account and deposited {$5000.00}, I would receive a {$400.00} bonus within 45 days. I deposited {$5000.00} by XX/XX/19, and as of writing this complaint on XX/XX/19, I have not received the bonus. The banker that opened this account and U.S. Bank have both been unhelpful and misleading. In fact, I was told that I had already met the bonus requirements, only for a banker to tell me that I needed to upgrade my existing checking account, to see if that would " fix '' the bonus. Unbelievable.
Complaint sub-issue: Didn't receive enough information to verify debt

This is a complaint for the debt collector company- ProCollect.

I had resided in an apartment for 1 year and was charged a XXXX cleaning fee after moving out. The apartment complex, XXXX XXXX  XXXX, located in XXXX, Arizona did not send me written correspondence outlining the fee that was owed. In the move out notice it explained that the fees would be processed and mailed to the forwarding address on file once I moved out. I was waiting for this to be mailed to either myself or my mom as she was the cosigner. Since we received no correspondence in the mail, I expected no further charges were due. 

In XXXX I received two automated voicemails claiming to be a debt collection agency and that it was an attempt to collect debt. Two more voicemails were left in XXXX. I have been waiting for mail correspondence from the debt collectors as they must contact me in writing within five days of contacting me. 

Recently I was going though my voicemails and decided to give the number a call back. They had barely any account information only that it was from XXXX XXXX  XXXX and it was in my name. They were unable to accept payment and told me I had to email someone to obtain further information. They told me that in order to find out more information Mr. XXXX at ProCollect needed to take the restriction off the account. 

ProCollect -- the debt agency -- has not contacted me in writing nor is willing to cooperate over the phone regarding money owed. 

I ask for this company to prove that I owe money -- in writing -- and provide a secure means for me to pay the balance. I want it to be sent to both my mother and I as my mother was a cosigner on my account and should have been notified as well.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX and 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 an account without my written instructions
Complaint sub-issue: Account status

Credit cards have listed balances on Equifax after bankruptcy. Have disputed 3 times and they continue to list balances. My understanding is that balance should be XXXX after bankruptcy.
Complaint sub-issue: Debt was paid

On XX/XX/2012 I was on vacation at XXXX. At the Hotel, I had an allergic reaction which I had to go to XXXX. at XXXX FL. I have a XXXX so I paid all deductables in full with no pending charges. I noticed on my Credit Report that I have XXXX Accounts in Collection and a Collection Agency named Avante apparently is trying to collect a {$180.00} which they claimed that I owed. Appreciate your help on this matter.
Complaint sub-issue: Other problem getting your report or credit score

I tried to purchase my Equifax credit report from www.equifax.com. My  order failed and I called their customer team. They advised they are unable to locate my credit file on their database. Per my previous complaint XXXX, Equifax advised they were able to find my credit file on their system, and that they would send me a copy of said credit report via mail. I received nothing in the mail and now Equifax custoemr service are unable to locate my file based on true and accurate information provided on my part. 

This being my 2nd complaint requires Equifax 's immediate response and effective action to deliver a resolution. 

Thank you.
Complaint sub-issue: Didn't receive enough information to verify debt

I learned after attempting to apply for a new loan my credit score was being effect by a collections agency for XXXX XXXX for {$51.00}. ERC is the debt collection agency. 
I did not know of this debt at all it's from a disconnect in XXXX and it was sent to collections in XXXX and this is the first I have known about it. I need to clear the matter so they settled it for {$33.00} and I asked for a letter that this is paid in full and that it will be removed/deleted from my credit. They refused only saying they don't do that and that they would send a letter confirming paid in full. I'm disappointed as this hampers my opportunity to get a loan at 2.275 % now my rate will be 2.99 % just because they would not be willing to note in the letter that this would be removed from my credit. 
I am very upset this is the only report on credit. Can you help. I did pay it off today XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I requested information from a company that is reporting on my credit file a XXXX XXXX and have not received any information from them. I sent a request for validation of debt and they have not sent me anything. If XXXX XXXX doesn't respond to the consumer about a debt they indicate to be mine then how are the bureaus getting their information?
Complaint sub-issue: Reporting company used your report improperly

Complaint : ( XXXX XXXX  ) account # XXXX has violated XXXX U.S. Code XXXX - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section XXXX of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX XXXXXXXX ) account # XXXXto communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of XXXX U.S. Code XXXXc-section b. XXXX, XXXX, and Equifax, must remove all information reporting from and relating to ( XXXX XXXX  ) account # XXXX including third party debt collection accounts associated with ( XXXX XXXX ) account # XXXX the account and information has been transferred and sold ILLEGALLY according to XXXX U.S. Code XXXX c-section b.
Complaint sub-issue: Public record information inaccurate

I NOTICED IN MY CONSUMER CREDIT REPORT THAT A LIEN IS FILED ON XXXX WITH A CASE NUMBER XXXX AND AMOUNT OF {$18.00}, XXXX AND XXXX WITH A CASE NUMBER XXXX AND AMOUNT OF XXXX. I AM UNAWARE AND HAVE NO KNOWLEDGE OF SUCH CASE. 
I FILED A CHAPTER XXXX BANKRUPTCY THAT WAS DISCHARGED ON XXXX/XXXX/XXXX. THE ALLEGED LIEN HOLDER FAILED TO FILE A PROOF OF CLAIM DURING THE BANKRUPTCY MEETING OF THE CREDITOR.
Complaint sub-issue: Public record

The bankruptcy reporting has several inaccuracies. Reference Number XXXX. I do not know the source of their information on this bankruptcy and because of the Equifax has violated the Fair Credit reporting Act. I am requesting the removal of the bankruptcy.
Complaint sub-issue: Information belongs to someone else

These accounts were opened under my social security number without my authorization. XXXX requesting these be removed asap. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit inquiries on your report that you don't recognize

To : Credit Karma Inc Re : Credit Reporting Violation From : XXXX XXXX Last 4 digits of SSN : XXXX In accordance with the fair credit reporting act, this creditor has violated my rights under 15 U.S.C 1681 section 604a section 2 that states a consumer reporting agency can not furnish an account without my written instructions. I did not authorize, neither did I give permission for my credit to be ran. Running my credit without my authorization comes with a {$1000.00} penalty per inquiry. 

Violation # XXXX : From XXXX Dates of violation ( XXXX ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax credit reporting agency had a data breach which exposed my credit information. I have confirmed my credit information was involved in the breach, but I have not yet seen any illegal credit activity. I have frozen my credit at all three credit agencies. I am filing this report at the recommendation of XXXX XXXX XXXX ( not sure how XXXX XXXX XXXX is involved ).
Complaint sub-issue: Information belongs to someone else

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Equifax XXXX XXXX XXXX XXXX XXXX. 
XXXX  XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX XXXX XXXX XX/XX/XXXX ) 2. ( XXXX XXXX XXXX XXXX & XX/XX/XXXX ) 3. ( XXXX XXXX & XX/XX/XXXX ) 4. ( XXXX XXXX & XX/XX/XXXX ) 5. ( XXXX XXXX XXXX XXXX & XX/XX/XXXX ) 6. ( XXXX & XX/XX/XXXX ) 7. ( XXXX & XXXX XXXX ) 8. ( XXXX & XXXX XXXX ) 9. ( XXXX XXXX & XXXX XXXX ) 10. ( XXXX XXXX XXXX & XXXX XXXX ) 11. ( XXXX XXXX XXXX XXXX & XXXX XXXX ) 12. ( XXXX - XXXX XXXX & XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 


My contact information is as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX
Complaint sub-issue: Can't get other flexible options for repaying your loan

Thank you for all your efforts to protect the rights and freedoms we share today, and I appreciate your time to review my concern. On XX/XX/2022, the court granted preliminary approval for federal loan cancellation and refunded payments for class members who applied for the Borrower Defense to Repayment. The class action lawsuit, Sweet v. Cardona, which is involving predatory and fraudulent for-profit colleges such as the one I attended ( XXXX XXXXXXXX XXXX XXXX XXXX ), proves without a doubt that we have been absolutely and massively scammed and ripped off for thousands if not hundreds of thousands of dollars per applicant. It's wonderful news hearing we have received preliminary approval, but we need to also take a look at the private loans borrowers have taken out to attend these scam schools. Many of us have even more debt in private loans than federal loans, and we are still expected to pay it despite overwhelming evidence of fraud, mishandlings, losing payment records, deceit, and other criminal activity involving our loans and payments. We need to take action while this issue is in the spotlight, to have these private loans discharged in addition to the federal student loans. Loan balances through companies such as XXXX, XXXX, XXXX XXXX, and loan companies used for consolidation purposes ( such as Earnest, with whom my private loans are now held in the amount of approximately {$24000.00} ) should all be cancelled and refunded if those loans are taken out for a university on the list of fraudulent schools from the Sweet v. Cardona/Devos case XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

CARTER-YOUNG ( Original Creditor : XXXX XXXX XXXX ) {$4100.00} I NEVER BEEN IN THIS PLACE! I NEVER GET ANY APARTMENT.
Complaint sub-issue: Information belongs to someone else

Contacted XXXX XXXX to inform them about a collection showing on my credit reports, I informed them that I did not know where this account came from and I never had a account with XXXX  XXXX XXXX and I was residing in California at the time this account was reported. THey asked that I verify my address by sending them a utility bill from that time the account was reported in which I did, also they sent me a fraud packet which I filled out and returned. Thus far there account has been deleted from all my credit reports except from Equifax. This account recently re reported to Equifax on XX/XX/2022 for {$370.00} which is inaccurate information because this account does not belong to me.
Complaint sub-issue: Right to dispute notice not received

I am not responsible for this debt and have attempted to contact both the original debt agency as well as XXXX to no avail. I have requested verification of the debt and received none. After multiple calls to XXXX with no assistance I am forced to request this account be permanently deleted from my credit report and verification of deletion be mailed for my records.
Complaint sub-issue: Information belongs to someone else

These are not my accounts. Please remove them and the addresses associated with them.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

It all started in XXXX when my personal information was used fraudulently to apply for unemployment benefits at the company I work for an have ownership in. This was reported to the XXXX XXXXXXXX Police, and FTC and to XXXX  Department of Labor. None of which ever followed up with me. Not a single call, nor email response. Eventually through my persistence, XXXX Dept of Labor acknowledged the issue. 

Since then, my XXXX XXXX account has shown numerous fraudulent inquiries in XXXX, starting in XX/XX/XXXX and now several in XX/XX/XXXX showing on XXXX and XXXX. I've been able to receive cooperation with all credit bureaus for removal of credit inquiries and also filing fraud complaints with exception of XXXX that does not want to help or extend any customer service to correct the problem. 

In essence, I have lost about 12 days or more of work over this issue calling the various companies, banks, financial companies, websites, etc. all because of the very companies that are always asking for my info, and breach my personal details. This is victimization in its purest form from the same companies that are rating consumers and judging consumers in the first place. The system is broken. 

At this time, I have maintained Excellent credit, however I still have several XXXX credit inquires which are damaging my credit score and on their fraudulently. It's nearly impossible to reach XXXX XXXX and also impossible to reach XXXX XXXX XXXX never mind get any cooperation from either bank, nor XXXX. 

I have also had to now Freeze all credit reporting agencies which will be a problem for me in the future when I need to apply for credit.
Complaint sub-issue: Deposits and withdrawals

I received my EIDL disaster recovery loan into my bank account that I have used for my XXXX XXXX for more than a decade. My original EIDL loan also came to this account. Now Citibank is freezing the money in my account stating that I can not use my account for this money. I need to access the money that I got from the federal government to continue running my XXXX!
Complaint sub-issue: Their investigation did not fix an error on your report

I consolidated all of my student loans with the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX services my new loan. They are still reporting a previous default loan that is over 7 years old. The credit bureau can not remove it, and XXXX sent me a letter accusing me of fraud when I disputed the age of the negative mark on my report. The information is a duplicate as of now, because I have a new loan not in default because of consolidation and the information they are reporting on my previous default is from 11 years ago and per the statute of limitations on student loan reporting once the loan is sold the delinquent information can only remain on my report for 7-10 years.
Complaint sub-issue: Debt was paid

I have tried to dispute a cable bill with XXXX because it has been paid XX/XX/XXXX. XXXX has yet to remove this balance. I have tried disputing XX/XX/XXXX and XX/XX/XXXX and both times they claim they have accurate information. I have contacted XXXX XXXX the original creditor and they have indeed confirmed it was paid and sent me the receipt and bill. I also disputed with XXXX and they HAVE removed it.
Complaint sub-issue: Their investigation did not fix an error on your report

I've seen no changes for the accounts that I have filed last month, I still see multiple 120-180 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.