Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I do not any of the companies on my inquires I havent done any business with these companies
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2022 I submitted a dispute asking the credit bureaus to investigate every piece of information. On XX/XX/2022 i sent a letter telling the credit bureaus to investigate every piece of information again, on the accounts I have listed below. Also i have attached the letter i sent out, here is the certified tracking number # s in the attachments below. 

According to the FRCA the term Investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account had been updated and verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. Upon my checking, last activity is inaccurate, payment history is inaccurate, remarks are inaccurate, months reviewed are inaccurate, personal information is inaccurate, etc. This is GROUND FOR REMOVAL of the accounts. 

These accounts and the credit bureaus also violated my rights under 15 U.S.C 1681 section 602 A. states i have the right to privacy.

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.

15 U.S.C 1681 Section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

i have not given these accounts ( below ) my written permission to furnish these accounts on my credit report. 

Accounts XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

LexisNexis continues to report a discharged chapter XXXX bankruptcy on my credit report that has expired its 10 years of reporting. Also, their investigation ( s ) have taken over 60 days on multiple complaints through the  CFPB and directly with XXXX.
Complaint sub-issue: Trouble with how payments are handled

Nelnet has a auto-payment option that is not favorable to borrowers repaying loans. This auto-payment option, if you have prepaid your loans or if you are paying more than the minimum, distributes your payments to favor paying off lower interest loans instead of higher interest loans that will ultimately cost the borrowers more money in interest. I have aske d NelNet 's customer support multiple times to favor paying off the high interest loan when I have overpaid and when I have prepaid. However, NelNet has never honored my requests. NelNet has instead continued to distribute my auto-payments to favor my lower interest loans, thus forcing me to pay more in interest on my higher interest loans. Anyone with basic math skills could tell you that paying off your higher interest loans first is better for the borrower, so it is really confusing to me why NelNet  continues to favor paying off lower interest loans.
Complaint sub-issue: Investigation took more than 30 days

Company verified they received my later on XXXX. Since that time I have phoned several times in regards to Fair Collection accounts. As of yet the company has yet to validate the information on my Credit Report. Per The 15 U.S. Code 1681g - I sent a certified letter to this company requesting information in my record be disclosed to me. It has been over 45 days and I have yet to get a response from this company validating what is on file within the company records. That being true the company must remove matters not validated including inquires and debts. 15 U.S. Code 1681g -  Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe the consumer must remove. I also spoke to a manager who was unable to provide any contract that was signed by me. XXXX The Manager SPAR states the company does not have this information in there records, the manager requested I contact the company for information that should be stored within the company records. The manage told me it is all handled electronically and they do not have any of that information on file. THIS is a direct violation 15 U.S. Code 1681g mentioned Code for inquires and information on my report. American Jurisprudence XXXX XXXX Our 2d.Section 90-93 companies can't subrogate onto a contract. Please provide a signed contact between the company reported and myself when unable to submit such documents the information must be removed, this is no contract between the companies and myself.
Complaint sub-issue: Information belongs to someone else

Equifax has not responded to my requests to investigate 2 incorrect items from my credit report even though I have sent them certified mail and countless e-mails. I have even copied the CEO. 

I wrote them a letter for each item and inquiries on XX/XX/21, XXXX and XX/XX/21 ( see atacged files for latest letter ) I demand the incorrect items and inquires to be removed from my report and an explanation as to why they have not responded for the last 103 days.
Complaint sub-issue: Their investigation did not fix an error on your report

The accounts listed below are currently violating my privacy rights, the right to a proper investigation ( by US code definition ), and violating my rights under the following US codes ; 15 US.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 man 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. 15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I have listed the accounts that are negatively affecting my life below : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And the cares act and FCRA state that creditors may not report adverse information that occurred during the pandemic.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I charged {$5900.00} on my Citibank credit card in  XXXX   XXXX . I disputed the amount on or about  XXXX   XXXX . The disputed amount was credited to my account in or about  XXXX   XXXX . Then in or about  XXXX  of  XXXX  my credit card was charged once again for the disputed amount, with no written explanation as to why my card was recharged.   As result of my complain to CFP B, Citibank replied in pertinent part : " When a disputed charge occurs, Citibank as the issuing bank of your credit card can intervene on your behalf and request a credit from the merchant 's bank. Bec ause you did not follow the steps for a full refund, and the merchant has refused our request for a credit, we have no further recourse to assist. Based on this, the {$5900.00} conditional credit, issued on  XXXX   XXXX ,  XXXX , was reversed and appeared on your  XXXX   XXXX  statement. At this time, we must consider the charge to be valid and you will need to contact the merchant directly to pursue this matter. '' In response to  Citibank  explanation I contacted  XXXX   XXXX , the  Citibank repre sentative who ostensibly authored the response, and inquired why the investigation took more than 90 days to complete.  XXXX   XXXX  replied that an arbitration was conducted on my behalf, which he said Citibank had lost the case. At this time, I asked for a copy of the arbitration outcome. He said he would find out and give it to me. On about  XXXX   XXXX  in response to my attorney 's letter, dated  XXXX   XXXX ,  XXXX , he verbally explained he could not release the arbitration document to my attorney without a subpoena.
Complaint sub-issue: Frequent or repeated calls

Citibank is calling me repeatedly and leaving voicemails. Here are the times/dates they have called me recently : XX/XX/XXXX - XXXX, XXXX, XXXX XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX   XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX XX/XX/XXXX ( today ) - XXXX, XXXX, XXXX
Complaint sub-issue: Public record information inaccurate

Upon trying to finance a vehicle XXXX XXXX  denied me and my wife a loan. They sited information from XXXX, XXXX, and SageStream. The key factors where Serious delinquency, and public record or collection filed. Time since delinquency is too recent or unknown, To many accounts recently opened. Too many inquiries last 12 months. The fair credit act states that the information on any credit report has to be 100 percent verifiable and I take issue with erroneous information on my credit report. This bank has engaged in redlining and that is a federal crime.
Complaint sub-issue: Account information incorrect

I have repeadly disputed a XXXX XXXX Account with Equifax that is incorrectly reporting. XXXX continues to " verify '' the incorrect dates and Equifax will not use the supporting information I have provided to verify that there was a missed payment in XX/XX/XXXX. 

As verified by both XXXX and XXXX, the XXXX XXXX XXXX was reported as 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Both of those reports will be attached. 

I will further include XXXX XXXX XXXX that list dates and payment amounts. The payments are numbered CLEARLY indicating that payment XXXX was made XX/XX/XXXX and the next payment, number XXXX, was made XXXX. 

Payment XXXX of XXXX made XX/XX/XXXX XXXX XXXX of XXXX made XX/XX/XXXX XXXX XXXX of XXXX made XXXX *note payment XXXX was on XX/XX/XXXX and payment XXXX was on XX/XX/XXXX ( clearly confirming a missed payment in XXXX, XXXX )
Complaint sub-issue: Trouble with how payments are being handled

I had initially contacted Great Lakes ( my student loan servicer ) on XXXX XX/XX/XXXX in order to enact a student loan payment refund under the CARES Act in order to get my student loan payments refunded that I had made from XXXX of XXXX to date. I had used their online services to send them email to request this refund, followed up by a phone call to them in order to ensure that they received my request successfully. The gentleman on the phone went over some details with me, ensured me that my request had been submitted successfully and that I should expect my refund within 30-45 days. After a few days, I received a call from Great Lakes regarding my refund request. The lady on the phone wanted to double check what dates/amounts that I was requesting the refund for. I informed her that I was essentially requesting enough of a refund to get me back to a {$10000.00} balance on my student loans, if possible. With that, we went down the line of my payment history on the Great Lakes website and concluded that XXXX XX/XX/XXXX to XXXX XX/XX/XXXX would be the requested date range for the payment refund and that the total refund would be {$5500.00}. The female representative from Great Lakes on the phone assured me that we were still looking at about 30-45 days for the refund to appear and agreed with that timeline. Following some weeks, I had still not heard nor seen a change in my student loan balance on Great Lakes or a refund in my account. With this, I decided to give it a few more days/another week or so before I called Great Lakes to get a status update. Upon calling their customer support line on XXXX XXXX, I was informed that my refund was still being processed, despite it being over 40 days since my request was submitted. Unfortunately with this call, I was informed that my request was now looking at a time line of 60-75 days, despite having submitted my request all the way at the end of XXXX prior. Unable to help me any further, I thanked the representative for their time and ended the call.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a dispute letter, a affidavit I filled out and got notarized, a copy of my identify theft report from XXXX, and my drivers license along with my social security card to the Equifax consumer disputes department about the inaccurate and unknown things reported on my credit file. In addition to this I sent a follow up letter and called them on XX/XX/2021 60 days later hoping I would get a response or my items disputed. Til this day over 90 days later I have not received a response or reason other than to submit a dispute letter which I already did twice at this point. I feel like Im being taken advantage of and being ignored my disputes. Section 611 A plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove these items from my credit report. It has been over 90 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress youve caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Can't use card to make purchases

I have a Mastercard which is associated with the company XXXX ( XXXX XXXX XXXX ). ( The credit card is issued by US Bank. ) Their special offer is that whenever I make a purchase from XXXX I will receive a 10 % rebate on a purchase from XXXX the next year or if the use of the card is made from an entity other than XXXX the rebate will be 1 %. On XX/XX/XXXX I placed an order with XXXX. On XX/XX/XXXX I received a letter from Mastercard telling me if I did not use the card by XX/XX/XXXX the card would be cancelled. I called XXXX on XX/XX/XXXX as I had not yet received my order and the timing of the letter from Mastercard seemed oddly coincidental. XXXX reported that Mastercard had denied the charges so my order had been cancelled. I then called Mastercard. The customer service rep apologized for my " disappointment '' and denied that the charges were denied or that a letter was sent to me. He said that my card would be cancelled if I did not use it by XX/XX/XXXX however even though the expiration date on my card is XX/XX/XXXX. I have a perfect credit score and have never had any credit problems. I have no balance on the card. I believe Mastercard is treating me this way because I do not use their card very often so they are punishing me because they are not profiting off of me even though I have not done anything wrong. Thank you.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Someone submitted a fraudulent application for a XXXX XXXX card. I contacted XXXX and they sent me a letter stating that the fraudulent inquiry would be removed from my credit report but it has not. This fraudulent inquiry happened in XX/XX/2019. The inquiry is still on my Equifax Report. Attached is a copy of the letter XXXX sent me saying that the inquiry would be removed and that they sent this letter to all the Credit Bureau reporting agencies but Equifax has yet to remove the fraudulent inquiry from my report.
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint is more of additional information to a previous complaint # XXXX. In that complaint I reported that Equifax claims they can not find a file using my identifying information. In other words, I don't have a credit file according to Equifax. However, just today I received something from Equifax that belies that claim. What I received today is a confirmation # XXXX where in they assert that they resolved my earlier claim, which was that they are reporting my credit data incorrectly. Specifically, they are FAILING TO report a DISMISSED bankruptcy in XXXX and a later DISCHARGED BANKRUPTCY IN XXXX XXXX. 
So now, with their accurately mailed confirmation to XXXX XXXX they have proved they have my file. But they are still reporting inaccurate data in my file. 
After wrestling with this for over 6 months, I ready to say that Equifax is INCAPABLE OF COLLECTING AND REPORTING PUBLIC INFORMATION. WE ARE KNOW ABOUT THEIR INABILITY TO KEEP DATA CONFIDENTIAL.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 Ay States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

So I sent a letter off on XXXX. Here is my tracking # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. 
Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected consumer rights.
Complaint sub-issue: Personal information incorrect

I pulled all three credit reports and I began disputing errors. I sent the first set of letters XX/XX/XXXX second XX/XX/ and third XX/XX/XXXX I also provided copies my drivers license and social security card as proof, that their reporting incorrect names, address, verification of accounts but not response to any of the letters.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2022 I received a notification from XXXX that XXXX  XXXX had made a request for my credit information. I have not made any application to, or otherwise attempted to do business this entity. I attempted to contact the company by telephone and spent over an hour in phone system XXXX. After that, I e-mailed thee customer service people at XXXX XXXX and on XX/XX/XXXX received a reply telling me to contact Citibank and providing no additional information. 

I have spent another hour trying to speak to a person at Citibank concerning this matter with no luck and this complaint follows. 

I am only seeking an explanation as to why this inquiry was made and verification that all my information has been removed from their system. I want to speak to a real person who can provide me with answers as to why they were looking at my information in the absence of any attempt by me to do business with them.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX PARTIAL ACCT # XXXX this collection does not belong to me. I do not have a financial obligation with XXXX funding. 

I HAVE ASKED FOR VERIFICATION FROM THIS COMPANY AND THEY HAVE NOT SENT ME ANY VERIFICATION SHOWING TO ME THAT THIS I MINE. PLEASE HELP ME RESOLVE THIS AS IT IS HURTING MY CREDIT REPORT AND SCORES AND LASO IT DOES NOT BELONG TO ME EQUIFAX I INCORRECTLY REPORITING INFORMATION.
Complaint sub-issue: Information belongs to someone else

these two accounts ( documents attached ), are not mine, i have been disputing these two inaccurate accounts for the longest time, i have called equifax so many times that i have lost count, this is inaccurate and haunting experience, this can not go on like this, please have this inaccuracies removed from my equifax credit reports. 
they are literately saying they can not help me in this matter, please, i beg of you this is not a good experience that someone would be taking for the longest time. 
please find attached the documents and as consumer please i need you help to have these inaccuracies removed thank you
Complaint sub-issue: Can't use card to make purchases

I applied for a Citi AAdvantage MileUp card and was approved. I tried to use my card and the transaction was declined. I called and I was told they couldn't verify me on the phone and had to send me a letter at my home. I wait for the letter and received it on XX/XX/2022. I called the number, provide the code on the letter and I was told the account is good to go. I try to make another purchase today on XX/XX/2022 and the account is blocked again. I called in and I was asked for the previous letter. I explained I called on XX/XX/2022 and my account was unlocked. I spoke with XXXX in Executive Response Unit and I was told she could not help. I was hung up on and I had to call again. I asked for my account to be closed because this is ridiculous and I was told she couldn't do that either. So now I'm trying to speak with somebody to get this block lifted. I've had this card for a month and I haven't been able to use it. Citi has me stuck in a cycle of purchase something, card declined, call in, told I have to wait for a letter, call when I receive the letter, account unblocked, try to charge something, same process. So in essence Citi did a hard pull on my credit, gave me a credit card, and is not allowing me to use it. I'm contacting the XXXX  Attorney and my congresswoman because this is ridiculous.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX XXXX {$210.00} Balance is {$0.00} now XX/XX/2013
Complaint sub-issue: Their investigation did not fix an error on your report

Last date that is relevant XX/XX/2019 It is ongoing Dispute with XXXX ( Creditor ) No valid verification method. Inadequately Reporting. 
I have sent disputes approx. 3 to 4 times with proper information and explanation. 
no credit debt should be on my XXXX account the balance should be XXXX. It has once again affected my credit rating. 
I constantly monitor my report with all 3 reporting agencies daily. 
requesting to remove with prejudice. 
XXXX should remove promptly from my report. 
1ST XXXX XXXX  XXXX has been PAID IN FULL ( Showing on my report ) 2ND XXXX XXXX -should be deleted not my charge XXXX 3rd bay area credit should be deleted not verified XXXX Total of XXXX They have received information on this prior.