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

In accordance with the Fair Credit Reporting Act XXXX  Account 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 canot furnish a account without my written instructions.

15 U.S.C 1666b A creditor maay not trat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Prior Investigations have taken longer than 30 days, this is also violating my rights.
Complaint sub-issue: Account terms

equifaxXXXX XXXXaccount showing {$1200.00} monthly payment ( should be XXXX ) status showing 120 days late ( should be unknown ) remarks showing chapter XXXX bankruptcy ( should be chapter XXXX filed XXXX )
Complaint sub-issue: Personal information

While checking my personal credit report, I noticed an Employer listed as XXXX on Equifax credit report. I have never been employed by this company. I am requesting that Equifax immediately remove the unknown name of the Employer listed on my credit report immediately. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to correctly identify me in their system.
Complaint sub-issue: Information belongs to someone else

The credit bureaus violated my given rights under 15 USC 1681 According to : 15 USC 1681 Section 602A States I have the right to privacy According to 15 USC 1681 Section 604 A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions According to 15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt was paid

XX/XX/2018 a debt was posted to my credit report by GENERAL REVENUE CORP. There was no prior notice of a debt owed. I was not notified by email, mail or phone. There was no attempt by GENERAL REVENUE to validate that the debt was owed by me. I mailed a written letter to the said creditor with signature service requesting legal debt validation pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), their claim is disputed and validation is requested.
Complaint sub-issue: Account status incorrect

I am having a problem with Equifax. Equifax is reporting inaccurate information that is negatively hurting my credit file. The following inaccurate information is hurting my credit score. XXXX. Lack of sufficient credit history on bankcard or credit card accounts ( However my oldest account dates back XXXX  years, XXXX months ) XXXX. You have either very few loans or too many loans with recent delinquencies ( However all of my credit cards are paid as agreed, the balances are XXXX and I do not have any delinquencies ) I have contacted Equifax to please correct this inacurate information to reflect the true status of my credit file. Complaint Claim # XXXX on XX/XX/2022. 

I have attached supporting documents. 

Thank you.
Complaint sub-issue: Was not notified of investigation status or results

My mortgage company has been reporting late pays to the credit bureaus for several months now. I have tried contacting them directly to have the issue resolved with no help. I have disputed it with the credit bureaus only to have them put the late pay for the current month. I have submitted a Respa Notice of Error Request to address the issue of missing and incorrect payments being reported to the credit bureaus by the mortgage lender on XX/XX/2022. I have never received anything from my mortgage lender. It is screwing with my credit score and loans that I had to take out were priced significantly higher because of this error or denied completely.
Complaint sub-issue: Personal information

Numerous times this month, I have faxed my driver 's license, utility bill and Social Security Card to you without a response or correction to my credit report. XXXX Is my report number where XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX is my address. The other addresses do not belong to me. Please delete these addresses as they are hindering my ability to obtain credit. Thank you in advance.
Complaint sub-issue: Public record information inaccurate

I was a victim of identity theft in XX/XX/2017. XXXX XXXX should not be on my credit report. It should be removed and my credit score should be higher. I want my credit cleaned up. I have clean credit with no problems in paying on time.
Complaint sub-issue: Problem with customer service

Issue with AES misapplying student loan payments in late XX/XX/XXXX/ early XX/XX/XXXXand after payment correction they reported one of the loans as defaulted on my credit report and on their website. I submitted this letter via website and via fax to AES. This issue has not been resolved. Account # XXXX - Loan Sequence # 2 AES has a confusing practice of handling loans. The reps do not relay the same information from call to call. Mishandled payments and told me everything was ok after payment resolution and then they proceeded to report a defaulted loan. One account number with 3 loans and I could never talk to one rep about all 3 loans. <P/>RE : URGENT - Appeal Request - Reinstate XXXX Loan Request I am requesting an Appeal to reinstate the XXXX Loan ( XXXX ) currently in Default Status. I have two other loans ( XXXX Loan - Type XXXX ) and ( XXXX Type XXXX ) that are both in good standing. My account history will show that payments were always on time until the misapplications of payments began to occur in XXXX. Over a five month period inXX/XX/XXXX ( XX/XX/XXXX ) calls were made repeatedly to AES requesting that payments be re-applied correctly. It wasnt until Supervisor XXXX ( check my records for her rep id ) suggested that the problem required a review of the entire account in order to accurately correct all misapplied payments. Prior to this time the reps were only requesting investigation department correct the month in question and not going back to first occurrence of the problem in XX/XX/XXXX. InXX/XX/XXXX there was one more occurrence of misapplied payments. After each request a follow-up occurred to see if the correction was complete and each time the representative stated that the payments were corrected and that the entire account was current. On, XX/XX/XXXX I spoke with two reps prior before speaking to a supervisor for assistance. Supervisor XXXX ( rep # XXXX ) confirmed that my other loans are in good standing and did not find any issues with my payment history. He was unable to assist me further hence the purpose of the request. I request that you reinstate the defaulted XXXX Loan ( XXXX ) with the consideration that I had an exceptional customer history prior to this mishap and that you understand how the following facts directly contributed to the defaulted XXXX loan : 1 ) five months of misapplied payments, 2 ) two loans with same due date not clearly distinguishable to AES reps during calls, and 3 ) lengthy payment correction time. Please accept this request that I deserve to have the loan reinstated and not have my credit ruined as a result of these events. I have never defaulted on any loan ever. It is my desire that you provide exceptional customer service that is a direct reflection of me being a valuable AES customer. Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Received bad information about my loan

Within the past couple of years, I have has so many issues with the student loan servicer NELNET. It all began in XXXX XXXX, this was my last semester in school. My parents had already warned me that I needed to make sure that I filed for a deferment or set up a payment plan because the damage that student loans could do to your credit would be life changing. I began being contacted via mail in early XXXX XXXX about my loan payments and I quickly went off the information needed for a deferment. I never received confirmation that I was approved or denied. The lettters stopped and I did n't worry. In XXXX of XXXX, I received a letter informing me that Nelnet was reporting me to the credit reporting bureaus because I had passed the 90-day late payment mark. I immediate set up payments and asked why I had n't received any letters regarding the end of deferment. At the time I was informed by the phone representative that she did not have access to that information but with automatic payment the late-payments would be removed within a year. Since XXXX XXXX, I have been in constant turmoil with Nelnet. I have been told that no such " forgiveness '' exists and I have been told that I was contacted in XXXX XXXX via an email address that was provided by my school in XXXX. I asked why would they use an old email instead of contacting me via mail when that had always been my preferred form of communication. I was then told by a supervisor in the dispute department that as my loan service provider they had the authority to communicate with me whatever method that they choose. If I never needed to borrow money for school, I would not be in this situation for anyway. I was told that there are no options, I can have automatic payments for years and nothing would ever change on my credit and that it is my responsibility to contact them regularly to check on the status of my loans. He then went on to suggest that I just XXXX it up and deal with the damage toy credit.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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 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.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX Date XXXX Balance : {$29.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I am submitting this CFPB complaint today in response to the recent investigation conducted by the Credit Bureaus that took place on my credit record. I do appreciate the time the Credit Bureaus take in correcting some of the misleading information previously listed on my credit information. However I still need to assure complete accuracy on all items posted on my file. Therefore I ask that the Credit Bureaus to provide me documentation regarding the precision of the items in question. I need the Credit Bureuas to please conduct another investigation into the accounts below. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days ; please do so, otherwise the Credit Reporting Agencies will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 

XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Information belongs to someone else

I am disputing information found exclusively on my Factor Trust credit report. I received my credit report from Factor Trust and found several errors that are a result of identity theft. I have attached a copy of the dispute to this complaint.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX  are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Other problem getting your report or credit score

There is not a problem with the company or my account. What issue is that this is my mortgage company that I make payments towards my home. I purchase this from the homeowner who carry the loan. Now, I only owe {$6000.00} of the 10 year loan with NO LATE payments for 9 years. None of this information is shared with the credit agency. This only XXXX of the problem. I, XXXX XXXX XXXX, is born deaf and asking me to communicate by phone is something that is very unlikely. I get no discount or reduce fee for the landline that I have to use to operate my cap-tel machine, which I use to talk on the phone. The odds of the other person on the other end being able to understand how to talk to me is 50 %. OK, last thing I want to express is I am falling downward and with no bottom there is because it all started with my XXXX provider in XXXX. I had to have CATARACT XXXX. So XXXX XXXX XXXX need {$1700.00} to start and {$300.00} each time at hospital. XXXX so {$600.00} more. {$2300.00}! All this was dug up with personal loans. Now, its every month get a loan. IT '' S GOING TO KILL ME. thank you for listening and hopefully someone will care about this deaf man ....
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 a sent letters regarding inaccurate and unknown items on my credit report. To this day 35 days later i have not received a response. I feel like I am be take advantage of and being ignored by my disputes.
Complaint sub-issue: Their investigation did not fix an error on your report

Date : XX/XX/22 I sent equifax a copy of the company XXXX XXXX XXXX, sending me a hospital bill without a proper XXXX release form, which is a violation of FCRA. Theyre not suppose to know the treatment Ive received. The tracking number of the letter is XXXX, this needs to be deleted!
Complaint sub-issue: Reporting company used your report improperly

ATTENTION EQUIFAX, XXXX, XXXX XXXX XXXX THIS IS XXXX XXXX, THIS IS NOT A THIRD PARTY REPRESETATIVE. ALL THESE STATEMENT ARE FACTUAL AND MY OWN WORDS. 

On XX/XX/2021 I sent a letter regarding accounts on my consumer report which are in violation of federal consumer protection laws and that I requested to have remove because of such reason. I've recently mailed a follow up letter on XX/XX/2021 via certified mail to address the inadequate investigations into the incorrect information you have listed on my consumer report.

Regarding the accounts named ; US Department of Education. There are four different account with four different balances, two different opening dates, and one account number. And you claim these are accurate and valid but have yet to prove it pursuant to USC 1681g.

Along with the violation listed below that has been quoted from my letter, " Pursuant to 15 USC 1681 a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device shall be excluded from my consumer report. According to Congress the definition of a credit card is the same in 15 USC 1681 as it is in 15 USC 1602. Pursuant to 15 USC 1602 ( l ), the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice Congress said ANY card. The credit card is my social security card. '' And lastly with the major violation " pursuant to 15 USC 1692e ( 14 ) which prohibits. " The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. On my credit file it does not state the true name of the debt collector Which is a third party contracted to the alleged debt. ". If the prior investigations were done properly and under the statue of the law we wouldn't have this issue. 

When I call and relay these concerns to your customer service staff I receive rude and unsatisfying service that tends to ruin my day. I do not appreciate the harm and damages done by your agency due to your carelessness for consumers through your improper reporting methods.
Complaint sub-issue: Information is not mine

Today, XX/XX/XXXX, I received in the U.S. mail my " FREE '' annual credit report from " Equifax. '' While reviewing all 46 pages very carefully I noticed that under the " Collection Agency Information '' section on page 5 of 46 pages that a so-called " Collection Agency '' by the name of " XXXX ; XXXX XXXX XXXX ; XXXX, Florida ; XXXX ; XXXX '' unlawfully posted on " XX/XX/XXXX '' onto my " Equifax credit report '' that I owed " $ XXXX '' to " XXXX '' from " XX/XX/XXXX. '' This debt is NOT mine. I am a victim of Identity Theft. And this is the 3rd time now that this " XXXX '' company has unlawfully posted this onto my " Equifax '' credit file in the last 2 consecutive years. I called up " XXXX '' and politely informed them of the facts. That I have been a customer of XXXX XXXX XXXX for over 22 consecutive years and NOT ever with XXXX The " XXXX '' customer rep. just rudely hung up on me.
Complaint sub-issue: Debt is not yours

XX/XX/2019 XXXX XXXX XXXX responded to my complaint filed against them and Discover Card for wrongfully garnishing my {$1200.00} on XX/XX/2019. In their statetments, Discover instructed them to remove the levy and return all the money they took from me. The letter ends without providing any Information on how, when, and what way I can expect to get my money back from them in full. They provided only the front desk number and the name of the assigned attorney for me to contact, and the horrors continued. 

After 20 days and numerous attempts I made to reach XXXX about the money, I still have not received my money. The front desk staff refused to let me talk to him, refused to give him my messages, lied to me about his work schedule, closed down the office when they saw me coming. They have tried everything to avoid not paying me back. Please help me talk to these people. Thank you.
Complaint sub-issue: Information belongs to someone else

I've attempted to contact you regarding these fraudulent accounts on my credit report however the response I have been getting hasn't been up to par. I understand that the pandemic has been tough and I appreciate your help in this matter. These accounts have been hurting my report and need to be removed immediately.
Complaint sub-issue: Information belongs to someone else

two XXXX XXXX XXXX, are reporting under my name, under my equifax credit reporting agency, which do not belong to me, i have tried to dispute with equifax but they have been unable to help me in this case. i have called the creditor they do not have my name in their data base, nothing under my name, i dont know how equifax is verifying these information, please help me to have equifax remove these inaccuracies, it is hurting my credit. they are not helpful they dont even dispute or if they do they not do it correctly. 
thank you for your help you are my last hope. 
thanks
Complaint sub-issue: Information belongs to someone else

The Credit Bureaus are reporting Erroneous information on my credit file.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX ATTN : DISPUTEXXXX XXXX XXXXXXXX RE : ADVERSE ACTION DATED XX/XX/XXXX Recently, I was denied an extension of credit by UPLIFT on XX/XX/XXXX. 

AS you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim in adverse action against a consumer. Pursuant 15 U.S Coode 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). UPLIFT has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/XXXX is both proof and evidence that I have been discriminated against, you are also criminally liable. UPLIFT should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.
Complaint sub-issue: Didn't receive notice of right to dispute

I am unsure when this happened, the original debt, but I found out through XXXX XXXX recently not through anybody. 

I asked them to remove it as I got no notification from the hospital or IC SYSTEM INC. 

This was a debt that was suppose taken care of with Medicare as well. So this should never have been to collections, the hospital must have side stepped that.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021 I mailed letters to the XXXX, Equifax and XXXX about innacurate information reporting on my credit reports and I have recieved no response, they are supposed to respond back within 30 days and they have all failed to do so. This is causing me so much stress and keeping me up at night. Please help
Complaint sub-issue: Attempted to collect wrong amount

I have tried to dispute this debt multiple times beacuse it has been reported poorly and is affecting my credit score. First of all none of the dates match up at all and the amount is wrong not to mention the address they have on file is in Florida and I have never lived or even been to Florida I have the right in the FCRA to have my credit report 100 % accurate and clearly this is not so I would like for this to be removed from my credit report or I will be seeking litigation to sue for defomation of character.
Complaint sub-issue: Unable to open an account

On XX/XX/2022 I tried to open a CITI checking account online. It was pending presumably because of a fraud alert I have with the credit reporting agencies. It took 3 weeks before a CITI employee tried to contact me to verify my identity. They left a voicemail with instructions on how to contact their fraud department except that the instructions are incorrect as every time I call I am diverted to CITI 's general customer service dept who has proven absolutely useless in being able to connect me to the fraud department. 

Instead of asking customers to enter their SSN ( which is unrecognized in my case because I don't yet have an account with them ) CITI needs to have the customers enter the file # because that is what is in their system. 

I have called CITI 's so called executive response team several times and they have also been unable to connect me to the proper dept. Absolutely the worst and most frustrating customer " service '' experiences I have ever had.