Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

XXXX Actual Statements : The uploaded documents I received from XXXX Shows XXXX is intentionally and maliciously reporting wrong data to the credit bureaus. 

This may because I have ask for validation of this account via original signed contract, origned agreement, or signed application for credit bearing my signature and they have failed to do so after several disputes. 

As I stated, I have requested : proof by means of signed agreement, or signed contract, or signed application for credit showing I applied to this account in a joint status. i could not of signed for joint status my credit was too poor, I was an authorized user on this account and they have reported irregularities on one credit bureau its a individual account and another its joint. They do not have supporting documents required by law abd that is a second reason to remove this account! This account is over 8years old! 

I demand this malicious creditor and/or the credit bureaus remove this from my account immediately! This is damaging me And have been for years until recently noticed! 

Attached you will see where XXXX has repeatedly reported innaccurate information such as the late months and charge off. The last sheet shows one thing and these show another! Im going to sue you all if you dont remove this account immediately! 

You both are breaking federal law!
Complaint sub-issue: Other problem getting your report or credit score

Accounts with XXXX XXXX are reporting as closed. 

Student loan payments are not being reported at all Other credit card accounts are not showing or showing as closed. 

Causing me not have a score from them
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I have received repeated telephone calls from someone identifying themselves as representing XXXX  XXXX, a company with which I have no professional relationship. They are calling me repeatedly from a number in Texas -- ( XXXX ) XXXX -- and I have instructed them to call neither my home phone nor my employer nor anyone else to harass and berate me or them. They have refused to cease and desist with their harassing telephone calls. 

My research shows that this company has had several judgments against them for violations of federal law and harassment of folks who, like me, have no professional relationship with XXXX  XXXX. I would respectfully ask the CFPB to levy the strongest actions against XXXX XXXX for improper and amoral business practices. Thank you!
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OTHER ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Account status incorrect

I voluntarily allowed the XXXX  to be repossessed in XXXX of XXXX and even after several attempts to get them to change the status of my account, they refuse to do so. The continuously update my account to current, so that I remain 30-45 to 180 days late on my account, preventing me from making any strides on my credit at all. The status is listed as open, even though the vehicle was repossessed by them and probably sold again. I can not even get a va home loan until this is resolved. The company is also using a pseudo name for some reason. It's actually XXXX XXXX XXXX, XXXX XXXX XXXX.
Complaint sub-issue: Information is missing that should be on the report

I have requested documentation and validation/verification from this company that they have not provided. I have advised hem that the data being reported is incorrect.
Complaint sub-issue: Talked to a third-party about your debt

Company delivered printed personal financial information to my daughters husband while I was not present. No even in an envelope, just handed over all my personal info.
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 XXXX 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 a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose!!
Complaint sub-issue: Reporting company used your report improperly

I never gave the credit bureau nor creditors consent to pull my credit profile and by law that is violating my rights and the law under the FCRA. I have an attached letter below that explains the incident. I have 11 unrecognized inquiries on my consumer report that i am completely unaware of. I wasn't contacted by any creditor nor the credit bureau of an attempt to inquire about a new account on the dates listed. I didn't receive any phone calls or letters pertaining to the incident. I am highly disappointed that i had a security freeze at the time of the inquiries listed on my report. If the inquiries aren't removed within 3 business days i will post via XXXX website, i will pursue legal actions against the credit bureau, i will be adding compensation for the mishandling of my consumer report.
Complaint sub-issue: Their investigation did not fix an error on your report

I notify Equifax about the account they have on my credit report because they have duplicates on my report. They told me that it will be taken months ago, yet when I called 2 days ago they told me it won't come off. That it will have to stay on when it's a duplicate account that makes my credit report looks like I owe more than I do! This student loan is not even supposed to be on my account due to school closures! I submitted everything as did the school, and even one loan that's been on there for over 7 years! Per the law past 10 years, it's supposed to drop off your credit report by the FCRA law and it's still on my credit report. I also got a letter saying they would do it and it never happened!
Complaint sub-issue: Reporting company used your report improperly

today i spoke with a agent named " XXXX '' but i do not believe that is his name since he refused to give me a last name. i asked him about two accounts that XXXX XXXX XXXX furnished on my report. he stated they were mine, i conditionally accepted to pay the debt if he can show me a wet ink signed contract between me and XXXX XXXX XXXX of course he could not provide with me such contracts since i don't owe Them any debt nor ever heard of them prior to me monitoring my Report, so i demanded the removal of the debts off of my report since it has been making it difficult for me, as a consumer to receive any lines of credit in the past. i previously disputed the accounts multiple times with XXXX ( Report XXXX XXXX ) and it kept coming back verified even when i asked them to conduct a proper investigation which was never conducted nor provided to me as requested. i also have a suspicion that XXXX XXXX XXXX obtained addresses from my report without my permission and updated it on their file to match my report. He also informed me of their attempt to " contact '' me at my father 's address in which i have not resided in since XXXX and he also told me they tried to " contact '' me at a phone number i had in XXXX which i do not know how they obtained it since that was new number i got in missouri while i was in college. 

I also had an issue with XXXX XXXX XXXX furnishing a collection account which were deleted off my XXXX ( Report Number : XXXX ) And EQUIFAX ( Confirmation number : XXXX ) Reports which also impeded me from obtaining any lines of credit and violated my consumer RIGHT to privacy since i never Gave any PERMISSION to furnish such accounts. 

There was also another company that furnished a collection account on my report without my permission and i have never heard of them before. XXXX XXXX XXXX reported a collection on my XXXX ( Report Number XXXX ) Report which also impeded me from obtaining any lines of credit and violated my consumer RIGHT to privacy as well.
Complaint sub-issue: Investigation took more than 30 days

Hello! I sent out mails and letters to the credit bureaus about some inaccurate data on my credit report. It's been over 60 days and I never received a response from them. Section 611 ( a ), stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted already. This situation has caused me a lot of XXXX  and I wish to have it resolved as soon as possible.
Complaint sub-issue: Public record

This is a fraudulent account on my credit report, the XXXX have already satisfied this negative remark on my acct as being paid off, please remove this, also a XXXX should n't be on my report, another fraudulent activity on my credit report.
Complaint sub-issue: Account status incorrect

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code1666 ( b ) billing errors. The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payment on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXX XXXX XXXX XXXX : {$12000.00}
Complaint sub-issue: Account information incorrect

I had a few charge offs on my credit report so I settled and agreed to pay in full settlement amount. After the the agency took my money they never reported it as settled for less then full amount and paid. They only deducted what I owed. I called over and over again .sent many letters and disputed with equifax .XXXX and XXXX. They havent updated as settled and paid, still shows remains balance
Complaint sub-issue: Their investigation did not fix an error on your report

I'm sort of done with this company. They're just a bunch of XXXX XXXX. I tried to do this with them directly but they just blow you off and don't do anything different. They don't even try to understand the issues presented before them! See attachments. I don't think I am asking for much but one of the attachments showcases their inability to understand consumers requests nor care for that matter. These are the responses they put on my credit which is not what I requested or asked for even remotely!
Complaint sub-issue: Account status incorrect

The Bureaus did not properly investigate my account with ALLY FINCL XXXX because incorrect information is reported on this account. A lot of errors in terms of the remarks. The payment history is incomplete, too. No 120 days record was found prior to getting the account to be a charge-off. Moreover, the account has an exact balance which is totally wrong if the account is in fact to be a charge-off. The entire remarks for this account do not concur with each of the information.
Complaint sub-issue: Account status incorrect

This is an issue that I have attempted to get resolved since the early XXXX 's ( XXXX up until today ) The company " Nel Net '' which services many student loans. Consistently reports my student loans as 90 day late. The two issue with that reporting ...... 
# 1 My loans were moved to new net ( supportive doc will be provided ) the previous company did not pick up that the loan had been moved therefore co n't to bill the old account thus counting it as late. 
# 2 This 90 day late date continue to be moved forward to make them appear as resent. 
( documentation to support will be attached # 3 Because Nel Net report the student loan as several units instead of as one loan ( each quarter as money is disburse ) there will be 6-7 negative repots which will show as 25 % of my report # 4 Nel Net has removed the late from record showing paid without late, yet the next 6month that false reporting will return back to my credit report What I have done to bring resolution from XXXX # 1 I have report this to all the credit reporting agencies ( XXXX, XXXX, XXXX XXXX ) ... sending the supportive document, of which I will be sending which I will be attaching to this report as well. Please pay attention the things circles to follow the time line of the manipulation of my credit report What I want Permanent correction of my credit report. 
All Student loan reporting done by ANY servicing company be reported as one loan Possible class action suit How have I been harmed There have been years where I have been turned down for credit and or paid a higher interest rate over decades that I should not have had to suffer.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have the next situation : I received a brand new credit card from Citibank with the credit limit is {$600.00} on XXXX, XXXX. And I activated this card on the same day around XXXX XXXX. After that, I created an online account on the bank 's website. Had an issue with that ( password etc ). And when I resolve it couple days later, I found in the bank 's online account, what my brand new credit card already used by somebody else in another State. Was used {$590.00} in three days from XX/XX/XXXX to XX/XX/XXXX. And left only {$2.00}. I live in Colorado, the card was used in Georgia. In that day I opened the claim with the Bank. They started the investigation. And last Friday, on XXXX, XXXX, I received the letter from the Citi Bank. And it says, what they can not to resolve this dispute because this card has an EMV chip and, in their opinion, can not be copied or duplicated. And it was physically used in some cities in State Georgia. But I have never been in State Georgia and I worked on these dates ( XXXX XXXX ) and I have many people, who can confirm it. 
Looks like Citibank has some fraudulent scheme : They created more than one Credit Card, created one or more duplicate of my card or same Card with using my data ( my name, etc ), linked to my account and gave this duplicate or duplicates to some criminal person or people to use it in another state.
Complaint sub-issue: Account information incorrect

There is wrong, inaccurate, fraudulent information being reported on my credit report.
Complaint sub-issue: Attempted to collect wrong amount

When we moved into the apartment our Landlord promised us it would be move in ready, and had us sign paperwork that it would be, It wasn't, it was dirty and mold infested and had furniture and garbage still in it. When we moved in it was not livable but we had limited options as my wife was XXXX  at the time. He tried to bribe us to clean it out and move furniture out and maintain the garbage by the mail slot by promising to write up a new lease with a reduced rent. A new lease was never written so we reported the apartments condition to the health department which required him to perform another inspection with updated responses. After that he started treating us poorly and delaying repair orders. I paid my rent on time for the next few months before I lost my income. I went on XXXX Leave in XX/XX/XXXX, and when I returned to work in XX/XX/XXXX they took all my hours and had to look for other employment and was unable to pay rent. I tried to work with our Landlord to give him all the money we would owe him once we got our tax returns, he agreed to those terms but within 2 weeks served us a Pay or Vacate Notice. We since discovered a collection account opened against us. Of the XXXX they have in collections for us XXXX of it is for rent that we owe and are willing to pay but the rest in listed as for " remodeling '' which should have been done before we moved in and we do not feel should be our responsibility.
Complaint sub-issue: Account information incorrect

On the week of XXXX XXXX I spoke to XXXX XXXX XXXX with XXXX XXXX XXXX, XXXX and she told me that after I take care my account with them they would update my credit report reflecting my account is closed and have a XXXX balance and is paid and satisfied and also mail me a letter stating that as well after XXXX business days they receive payment. On XXXX XXXX I made payment like we agreed and called to follow up on XXXX XXXX since I noticed information and remark that was added on my credit reports from XXXX XXXX that is not accurate. I spoke to account manager XXXX XXXX who stated that she would have to pull the recorded message so she can verify that the information I gave her were true. After she obtained the VM to verify she said XXXX XXXX will update my account to reflect that my balance is " XXXX '' and that my account is closed and paid and satisfied as agreed.
Complaint sub-issue: Indicated you were committing crime by not paying debt

I HAD AN IDENTITY THEFT WITH MY DOCUMENTS THEY OPENED AN ACCOUNT WITH ACIMA CREDIT A COMPANY THAT IN A PERSONAL WAY I NEVER DID BUSINESS WITH THEM THEY USED AN ADDRESS IN NEW YORK CHECK MY CREDIT REPORT AND THEY HAVE INFORMATION HERE, {$1200.00} # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX XXXX have no other recourse but to file a complaint against a national bank for a complete fabrication against my excellent credit history. The copy of the returned overpayment check is complete vindication of my position. However, after several verbal complaints with XXXX XXXX XXXX, and a hard copy complaint with each respective credit reporting agency, XXXX XXXX XXXX still has refused to remove the {$360.00} default postings. I will submit my complaint in chronological order as follows : 1 ) Vehicle loan co-signed for my son XX/XX/XXXX with original balance of {$36000.00}. 
2 ) Payments began XX/XX/XXXX. 
3 ) Vehicle totaled in accident XX/XX/XXXX. 
4 ) Payments up to date for XX/XX/XXXX only. 
5 ) I had major comprehensive insurance plus gap insurance to cover all vehicle loss if necessary. 
6 ) Insurance claim posted immediately. 
7 ) Major insurance paid out almost 100 % of balance, except for gap portion of insurance. 
8 ) As of XX/XX/XXXX, all balances should have been posted as complete XXXX. 
9 ) XXXX XXXX received all payments from XXXX XXXX and XXXX XXXX XXXX. 
10 ) Last gap insurance payment posted was in XX/XX/XXXX for {$3800.00}. 
In XX/XX/XXXX XXXX XXXX XXXX posted a {$360.00} deficiency, that had nothing to do with a monthly payment schedule. After constructive receipt of any insurance claim, the governing body of legislation is no longer under the Fair Credit Reporting Act, with oversight from the Consumer Financial Protection Bureau. The governing legislation is the Fair Debt Collection Practices Act, https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text. 

11 ) XXXX XXXX XXXX was actually overpaid from the gap insurance {$270.00}. A copy of the overpayment is attached dated XX/XX/XXXX. 
12 ) XXXX XXXX XXXX has tarnished my credit without sufficient cause, and the federal mandated legislation protecting my credit status had been fulfilled once the payment history went from monthly payments into a debt collection status related to insurance coverage.

13 ) Accordingly, I file a complaint against XXXX XXXX XXXX directly along with XXXX, Equifax and XXXX XXXX respectively. It is a necessity of all credit subscribers with credit reporting agencies to protect the rights of consumers under FCRA, FACTA and FDCPA within legislative mandated guidelines. 
14 ) My rights have been overlooked by XXXX XXXX XXXX on this occasion. However, I realize that mistakes happen and this could all be looked at as a clerical problem, and if XXXX XXXX XXXX erases my negative credit history with each credit bureau quickly, I will consider the situation resolved without any further actions that could include legal measures. 
15 ) XXXX XXXX XXXX request an immediate remedy from XXXX XXXX XXXX as quickly as possible. 

XXXX XXXX
Complaint sub-issue: Received bad information about my loan

I was solicited to apply for student loan forgiveness from a company called Fed Loans in XX/XX/XXXX. They told me that because I worked for a non-profit organization ( XXXX ), that I qualified for loan forgiveness after a 10 year period. I filled out the application over the phone and faxed all of their required documents, including tax forms and proof of income, as well as my employer 's tax identification number. I was required to reapply every year, and did so diligently and on time. After my attempt at renewal for XX/XX/XXXX, they came back to me with a denial letter. I still worked for the same company and had not even received a raise during my time with that employer. When I asked them why I did n't qualify, they told me that when I first applied, the person who took my application entered incorrect information and it disqualified me. I tried to explain that this did n't make sense because I qualified fine the following year, but they refused to listen to me. I had made several calls and attempts to requalify, to no avail. When I was forced to begin payments once again on my loans, the interest was higher than my previous ( XXXX ) service and I had 2 years of additional interest and payments added onto my loan ( because I had n't paid during the time I was " qualified '' for the loan forgiveness ). I feel deceived and angry. 
*I was a University XXXX student
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, Equifax took 35 points away from my credit score for XXXX XXXX trying to collect something they shouldn't have. XXXX and XXXX  removed them from my credit report, after I disputed but Equifax did not. Equifax only closed this account. I never paid or owed them as I paid the original creditor XXXX XXXX XXXX. This seriously effected my credit score, so I contacted Equifax on XX/XX/XXXX. The lady I spoke with was clearly not hearing me, talking about there score model and other factors. I stated there are no other factors for XX/XX/XXXX, XXXX XXXX was the only factor and if you took away 35 points, why haven't I gotten my points back. They were never supposed to be on my credit report, hence XXXX  and XXXX  removing them and giving me my points back. I am writing this complaint because Equifax is not reporting correctly and it is causing me harm. I asked them to fix this and they are not willing to do so. Furthermore, there have been countless complaints against XXXX XXXX and I believe they should either be sued, shut down or both.
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 XXXX XXXX XXXX has violated my rights. 

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

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