Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Complaint sub-issue: Debt was paid

FEDLOAN showed up on my credit report. 

All student loans were/have been forgiven. 
STUDENT LOANS {$4800.00} Reported balance FEDLOAN SERVICING {$3100.00} FEDLOAN SERVICING {$1600.00} I have not authorized making of any kind of payments. I do not know who this company is. 
WHAT SCHOOL?
Complaint sub-issue: Talked to a third party about my debt

I was away for some medical treatment on Wednesday XXXX XXXX. I always leave my cell phone with a friend to answer while I 'm at the doctor. The call came in at XXXX XXXX. The phone rand and the caller ID registered as XXXX XXXX XXXX and the person at the other end of the line asked my friend XXXX XXXX if he was speaking with me. He replied no, said that I was ill and out getting treatment. My friend XXXX asked what the call was concerning, and the caller again asked if this was me and XXXX said no. XXXX asked again what this was in reference to and the caller finally told him that he was a debt collector calling to collect a debt for XXXX from a bill from several years ago. XXXX said he would not take a message and gave the caller my XXXX XXXX XXXX to submit the purpose of the call in writing to me directly. I contacted my lawyer once I heard this, and he said it 's illegal under the fair credit reporting act for a collector to disclose any information to a third party and he suggested i file a complaint here first. When I googled the phone number, it showed AFNI, who is a debt collector.
Complaint sub-issue: Other problem getting your report or credit score

Since XXXX of 2018, I have been attempting to get a copy of my credit report and file disputes. I have been able to send in letters for dispute and receive e-mails from Equifax that my disputes are available to review on line. 

However, I am never able to go online due to the system being down each and every time. 
I have made numerous calls to Equifax and always get the same response. The system is down for repairs and I always state the same thing how long will the system be down because I have been trying each week for months and now it has been 9 months. 
Equifax says keep trying. 
I am never able to view any results and I am always asked the same questions about my report. I don't know some of the answers because I am not able to view the report. 
It has affected employment due to an investigation into my Equifax reporting incorrect information. 
To date, I am still not able to view anything online and I paid for access to the reports thinking this would resolve the problem, which it hasn't.
Complaint sub-issue: Investigation took more than 30 days

I sent out a letter to equifax on XX/XX/21 to validate a dispute and never received a letter back.
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXXXXXX XXXX  XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Complaint sub-issue: Public record

I am XXXX I went to hearing and provided papers showing I have applied for social security XXXX but was waiting for a date for going to the Administrative Judge she made notes and put in file but yet still this happen and it should have not happen been trying since XXXX/XXXX/2010 XXXX XXXX XXXX XXXX XXXX # XXXX {$570.00} Credit Reporting Company Equifax
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This has finally been resolved, after my calling and complaining for weeks. Now I want to report CITIBANK XXXX Customer Service and executives for allowing a {$3600.00} fraudulent transaction made by XXXX Rent A Car for renting a car I rented for one day to continue to be charged for one month against my credit card. I called XXXX and wrote executive management and I called Citibank XXXX and finally wrote to its CEO. Both companies have had a major breakdown in their customer service protocol and each insists they handled my problem appropriately, as is commonly done and within protocol ... NOT SO!! It took weeks of complaining to get this charge off my credit card. XXXX has an internal allowance and acceptance of fraud. 

I ALSO WANT MY NEW CREDIT CARD WHICH I NEVER RECEIVED BECAUSE OF THE FRAUDULENT {$2000.00} NEGATIVE BALANCE ON MY ACCOUNT!!!!!
Complaint sub-issue: Didn't receive advertised or promotional terms

Citibank sent me an offer via email indicating a bonus of XXXX points with a new card. I got the new card and met the offer terms but no bonus. 

When I reached out to Citibank I was told this was because I had had a card with them FOUR YEARS AGO!!! So I dont know why the offer was sent to me in the first place. There were multiple opportunities to let me know about their supposed eligibility criteria but Citi never did that. 

Please help. Thank you.
Complaint sub-issue: Account status incorrect

XXXX continues to show my account as delinquent on my big 3 credit reports even though I have provided evidence that the original account was due to identity theft/fraud.
Complaint sub-issue: Was not notified of investigation status or results

I have wrote your company several times. I'm not sure if you are getting my letters are not. I would like my credit report properly investigates. I have took a look at my credit report and carefully went through each account. I want to know did you properly investigate these accounts. Some of these accounts report that how I was making on time payments one month then the next month it says 120 days late. The payment history is reporting inaccurate. the date of last active date I have circled and noted for you that its inconsistent
Complaint sub-issue: Old information reappears or never goes away

XXXX have an address on my report that doesn't belong to me. They refuse to investigate/ and remove the address. XXXX XXXX XXXX XXXX, XXXX TN XXXX. If the agency check with that apartment complex, they will realize an apartment was never in my name. The agency is violating my civil rights. By refusing to provide me my credit report. 

Also I paid off the old utility bill I had with XXXX XXXX XXXX XXXX XXXX, address XXXX XXXX XXXX  XXXX TN XXXX. I have a new account with XXXX XXXX XXXX XXXX XXXX I sent them a copy of my new utility bill. I sent my updated driver 's license, the lease with XXXX XXXX XXXX TN XXXX. I've contacted all three agencies. I'm refused my credit report. I'm deprived of credit as a result. 

I learned in 2018 that someone have created XXXX different Federal Identification numbers on me. Someone is using my personal information as though I have a business.
Complaint sub-issue: Account status incorrect

We have been trying to get on a payment plan that we can afford for over a year. I have mailed, faxed, uploaded all the info that was requested multiple times. I faxed it twice every time, I call in to see what is going on i get the same answer. " We have not received anything, or it is unreadable. '' It's so frustrating that we have done everything on our part, and you still ding our credit. When i call after uploading, I get told well it takes a few days to see it. If it's not readable, we will call you. Never hear back, but conveniently they sent me to collections.
Complaint sub-issue: Their investigation did not fix an error on your report

It's seems that, I'm getting unfair credit decisions based on info that's provided by EQUIFAX. I've worked hard to try and rebuild my credit, but it seems that they keep providing lenders with derogatory information.
Complaint sub-issue: Debt was result of identity theft

Enhanced Recovey Collection was notified that the debt for an account they were trying to collect was a result of identity theft. I called them and notified them that I had filed a FTC identity theft report as well as a local police report for a collection account that the original creditor was listed as XXXX XXXX XXXX for {$1500.00}. A few days later the account was then subsequently removed ( XX/XX/XXXX ). A few more days later after that ( XX/XX/XXXX ) I have actively been monitoring my credit daily because of recent events and I now find out the same debt collection company has listed a new debt from XXXX XXXX for {$1500.00}. New account number and all. I believe this is an attempt to circumvent my original request and illegally collect monies that I dont owe. They are breaking the law.
Complaint sub-issue: Account status incorrect

I was reported 30 days late but I made my payment on time.   XXXX   XXXX   #  XXXX
Complaint sub-issue: Public record information inaccurate

On or about XX/XX/2020, I applied for a Mortgage through XXXX XXXX XXXX ( XXXX ) in XXXX, XXXX XXXX. On or XX/XX/2020, XXXX advised me that my loan application would be denied due to two liens that are being reported by Lexis Nexis Risk Solutions. The two judgements against me in the XXXX XXXX XXXX XXXX XXXX, case numbers : XXXX and XXXX are completely satisfied. Lexis Nexis Risk Solutions is inaccurately reporting that the liens have not been satisfied and thereby caused my loan application to be denied.
Complaint sub-issue: Company closed your account

I made the on-time payment last 5 years some how the band didn't post payment on time make my credit file 30 days let payments. I have called them told me that they going to remove it but never did. 
XXXX XXXX XXXX First of all this balance is Closed. {$2.00}, XXXX written off. which is an incorrect amount is {$2000.00} only we dispute regarding the product is not what they mention
Complaint sub-issue: Their investigation did not fix an error on your report

The credit bureaus are still reporting inaccurate items on my credit report after their investigation
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a victim of identity theft. My apartment was broken into and several ID documents stolen. I filed a police report and have attached a copy to this complaint. I found several inquiries that were a result of this identity theft. The inquiry below is a result of ID theft : XXXX XXXX XX/XX/2018 XX/XX/XXXX. 2018
Complaint sub-issue: Information belongs to someone else

XXXX  XXXX account # XXXX is showing as a closed account on my credit report. This account is full of inaccurate information such as my correct legal name, address, as well as false signature. 15 U.S.C sec. 1681i ( a ) states that a thorough investigation must be conducted by the credit reporting agencies providing all accurate proof of the legitimacy of this account or it is to be deleted. I have no idea who did this. 15 U.S.C 1681 also states that credit reporting agencies have a obligation to report fair and accurate information as I also have a right to privacy and confidentiality protecting me from false, inaccurate or incomplete credit reporting that is damaging.
Complaint sub-issue: Their investigation did not fix an error on your report

I was in deferment since XX/XX/XXXX. XXXX is reporting on two of my accounts that I am 90 and 120 days late ( XX/XX/XXXX and XX/XX/XXXX on each ). I was in deferment firstly. Second, they report in every month prior to XX/XX/XXXX that I am on time. So then, how can I be 90 days late in XXXX seeing that I was on time just 30 days prior.This is an injustice. This complaint extends to the two reports I have with Nelnet as well. In XX/XX/XXXX ( on deferment mind you ), they report me on time and then 90-120 days late XX/XX/XXXX through XX/XX/XXXX while I was on deferment. They do the same thing in XX/XX/XXXX through XX/XX/XXXX and once again in XX/XX/XXXX. This is exactly the same for both reports. 
Now, doesn't law state that anything on my report that is untimely, inaccurate, or unverifiable MUST be removed? Everyone knows that there are no months with 90 days in them. So, since there are no months with 90 days in them, reporting me late 90 days ( not once, but a combined 5 times ) would be inaccurate! And what was it the FCRA stated about inaccurate information? That's right! It must be removed. How is it that XXXX, Nelnet, and XXXX all ignored my dispute and continued to report inaccurate information? I know my rights and the law. For three companies who operate daily under this law to continue reporting this inaccurate information in a huge violation of my rights and the law.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I have asked Flagship credit acceptance to stop calling me on at least 15 occasions and they continue calling me. I have also requested the text messages to stop and they continued for at least a year. Every time I get a call I ask the to look at their notes and then at that time they apologize and give me an excuse. Their system didnt updated my phone numbers, or that they thought that I just didnt wanted manual calls, or that they didnt saw the notes before calling etc. I know I have a debt with the company but Im Paying it as I can.
Complaint sub-issue: Attempted to collect wrong amount

I setup a payment plan in XX/XX/XXXX. The payment schedule they agreed to, was never properly followed by Conns. They withdrew monies that went against our arrangements. 

I made an initial payment to them, and I received another settlement offer, despite being on a payment plan. 

I called in XXXX to schedule an arrangement for {$50.00} per month beginning XX/XX/XXXX. Instead of attempting to withdraw those funds for {$50.00} they attempted {$240.00}. They never even attempted to withdraw {$50.00}. 

They have broken agreements and continued to send collection and settlement offers while my payment plan was in good standing. 

I want to resolve this account, but it needs to be done in a way that is ethical and we are on the same page. I am at a point where I do not trust giving my financial information to them.
Complaint sub-issue: Cashing a check

There are five steps to submit your complaint : Step 1 : What is this complaint about?

BB & T no longer offer cancel check to owner of account.

Step 2 : What type of problem are you having? 
I need canceled checks from XXXX and early XXXX to prove I paid taxes on my home for XXXX County. 

Step 3 : What happened? 

I have called my branch at least four times and the main office at least 7 times today, no results. 
I called the local branch and spoke to manager and the main office in NC and was told I should check by check stubs to see what number ( s ) represent the check ( s ) needed. I need canceled check for XXXX XXXX. 
I was informed by main office if they pulled the checks it would be {$7.00} per check. 
Another representative at main office advised that I go to BB & T Research Dept. but it would take them a long time to find my canceled checks BB & T changed there reporting system which does not include cancelled checks for customers at the end of month. 

Step 4 : What company is this complaint about? Branch Banking & Trust Step 5 : Who are the people involved? 
XXXX XXXX, XXXX Bank Mgr Customer Service/main branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Virginia XXXX XXXX Acct XXXX / XXXX I WANT COPIES OF ALL CANCELED CHECKS
Complaint sub-issue: Investigation took more than 30 days

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



XXXX NAME : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX EMPLOYER XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  CURRENT ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Equifax NAME : XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXXXX/XX/XXXX ADDRESS : XXXX PALOMA XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Collections : XXXX XXXX XXXX EMPLOYER XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX FO XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Confusing or missing disclosures

My account was opened and funded when my card arrived I tried to activate it. When I tried it didnt work I called them and got transferred to the rudest nastiest customer service agent who read a long script and then she hung up On me. No explanation just a bunch of words
Complaint sub-issue: Account information incorrect

I HAVE SENT IN DOCS COPIES OF CREDIT REPORTS SHOWING INFORMATION ON ALL THREE CREDIT BUREAUS SHOWING 3 DIFFERENT THINGS AND THE CREDIT BUREAU REFUSE TO DELATE THE ACCOUNTS THAT ARE REPORTING INCORRECTLY.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Credit Bureau have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following items are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these items from my credit file. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XX/XX/2022.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$870.00} Equifax : XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance XXXX {$1000.00} XXXX XXXX Balance : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$870.00} XXXX : XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$870.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft , not later than 4 business days after the date of receipt
Complaint sub-issue: Account information incorrect

I had a loan with national Collegiate Trust. i did n't make any payments on the loan for 6 years and due to the " statute to limitations '' the loan collector should not be contacting me any more, by they still are in both forms phone call 's and letters. I am also trying to buy a house for my family and found out that i can not get a USDA loan for the house because National Collegiate Trust has filled the loan as a government delinquent loan. The problem with that is the loan is a private loan not a federal/Government loan. due to the way they filled the lion on my credit report i am not able to buy my first home.
Complaint sub-issue: Received bad information about your loan

I am enrolled in the Public Service Loan Forgiveness program since XX/XX/XXXX. The amount of qualified payments I have made have been miscalculated. I called them in XX/XX/XXXX and I was told that they are recalculating the payments and will contact me when they are done. I called them today, XX/XX/XXXX and spoke with XXXX. She told me that their calculations were accurate. The missing payments that were not included in their calculation was because I did not make a payment even though my payment was {$0.00} ( a lump sum payment was made for the year ). They do not count my lump sum payment as adequate payments even though it was applied to my bill for the year.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020, I sent a letter stating that I had pulled my credit report and noticed errors that were reported by the company. I asked the bureau to investigate and send me an updated copy once their investigation was complete. I received no response and it is 3 months later.