Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: You never received your bill or did not know a payment was due

I have made several attempts since the year XX/XX/XXXXto make U.S. Bank aware of my difficulties in pying off my credit card, but for the most part, U.S. Bank has ignored my efforts to contact them which is truuly unfortunate becuase I have the feeling U.S. Bank is  stringing me along to make their Bill larger. I previously had made the mistake of engaging XXXX  XXXX XXXX in XX/XX/XXXX hoping XXXXr XXXX would assist me by contacting U.S. Bank and other creditors ( XXXX XXXX, XXXX ... ) but they did not contact U.S. Bank. XXXX XXXX XXXX ( a real disadvantage to unwitting consumers so I learend ), wilfully neglected to call U.S. Bank to inform them of my difficulties, I had lost my employment in XX/XX/XXXX after working for the same Employer for almost 20 years ( I filed an age discrimination, gender discrimantion Human Rights Complaint locally in New York ), my beloved Mother in Law of 35 years was diagnosed with XXXX  XXXX in XXXX, XXXX, and saldy, she died two months later on XX/XX/XXXX. I was her XXXX XXXX. My Wife previously had XXXX XXXX ( part of her intestines were removed ), and she suffers from severe XXXX. U.S. Bank does not respond to my telephone calls and letters previously sent to them. They behave high handedly, and smugly ignore my pleas. I am at a loss at what to do becuase I want to settle the account with U.S. Bank, but they must be reasonable, and realisitc. I do not owe {$5000.00} and I pray U.S. Bank will ackknowledge this since they over inflate their interest rate so that people like me pay a King 's Ransom in very high interest, and never finish paying up. I seek your assisitance to garner U.S. Bank 's attention. I am acting in good faith, seeking to settle my account ending in XXXX. I am not absocnding on my obligaiton becuase I am an honorable person.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the inaccurate inquiry reporting on my Credit Report : XXXX XXXX XX/XX/2019 XX/XX/2019
Complaint sub-issue: Account information incorrect

To Whom It May Concern, Account Number : # XXXX / XXXX XXXX I have mail several documents requesting validation of XXXX XXXX requesting the following information : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations has not expired on this account : I have not received anything from XXXX XXXX  referencing i have a debt instrument with them. Per the Federal Trade Commission ( FTC ), XXXX XXXX is NOT following guidelines of what constitutes proper debt validation. I have NO contract with XXXX XXXX, I am not obligated to buy for the alleged debt. XXXX XXXX is the reporting inaccurate information on my credit report.

Im planning to apply for a VA mortgage loan, and XXXX XXXX  account is negatively impacting my ability to qualify.

Thank you for your attention, XXXX XXXX
Complaint sub-issue: Sent card you never applied for

Received a XXXX debit card from Square , IncXXXX on XX/XX/2021. Instructions with card was to activate card through their Cash App. I did not request this card. A phone number or contact information for Square , Inc. was not included in mailing. I have no way to contact them.
Complaint sub-issue: Account information incorrect

My credit report is stating that I have four ( 4 ) past due payments of more than 30 days. I made an agreement at my own will with your hardship department to pay {$36.00} a month for 60 months ( 5 years ) to satisfy my obligations to your company. My payment was to be deducted automatically from my chase checking account monthly. Please see the attached statement showing the automatic drafts. I was informed my account would be closed and this was the amount due until the end of the agreed upon term. 
Attached you will find sparatic payments of {$36.00} deducted from my checking account. These payments of {$36.00} from XX/XX/XXXX to XX/XX/XXXX which seemed to fall in line with our agreement until I checked my credit report and contacted your company. You will find that the automatic payments are not deducted on a schedule for the same day each month as agreed. Not only are they inconsistent I am being charged interest on the closed account which will accrue, and simple math will not allow {$36.00} to pay the account with increasing interest and late fees. I had contacted your company once prior regarding the statement I received and called to verify our arrangement and was told you are in good standing and the {$36.00} was all that was required. I have attached the documentation requested along with my email message through your website questioning the same issues. 
In reviewing the dates reported 30 days late XX/XX/XXXX was in good standing reporting a payment of {$72.00} which was never paid in a full payment of {$72.00}. I can only assume that there were 2 payments of {$36.00} taken in XX/XX/XXXX and XX/XX/XXXX which totaled {$72.00} which was then applied to the account to satisfy the payment. All other months are reporting late when accordring to my bank statement attached and your companys automatic drafts they were paid as agreed.

I am requesting a thorough review of my account and reconciliation of this agreement. I am also requesting you justify this with the three credit bureaus as an error on your behalf and the removal of false information as stated by the federal Fair Credit Reporting Agency.

After speaking with 5 people for over 1 and a half hours I was told that this arrangement was not properly explained and that my account was in fact not current. But now it is? what is the truth? Completely misleading and FALSE. The agreement was made and their accounting department never applied my automatic payments that they drafted from my account. After disputing the information they stated that they were reporting accurate information but in fact admitted nobody reviewed the account for accuracy as stated in the letter I received.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX/XXXX/2017 I saw various news reports that there was a data breach at Equifax where social security numbers and account information were compromised. I followed up at the Equifax website that directed me to another company website that would inform me whether or not my personal data was one of those that had been compromised. The company website needed my last name and last six digits of my social security number. However, when I entered my last name and last 6 digits of my social security number, I was not told whether or not my data was breached. Instead I was only notified to come back on XXXX/XXXX/17 and enroll in their TrustedID service.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Complaint sub-issue: Received bad information about your loan

I did not authorize the consolidation, my information on the application is incorrect, and I should not be made to pay a higher interest rate or have my credit score dropped ( already occurred due to the closing of my other accounts ) for something that I did not request. 


I was advised via a letter that a fraud investigation was completed and that Nelnet had confirmed that fraud or forgery was not committed in relation to this account. The decision was based on the following actions you took, which acknowledged the debt as my own : Applied for forbearance I was advised to do so per the Nelnet operator I spoke with on the phone who updated my address, phone number and email address. She said that the loan with be in forbearance while the fraud investigation took place. 
Consolidation of loans- I did NOT authorize my loans to be consolidated so this is inaccurate information.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act, XXXX XXXX inquiry date XXXX, XXXX inquiry date XXXX, XXXX inquiry date XXXX, XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX inquiry date XXXX, XXXX XXXX XXXX  inquiry date XXXX, XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX XXXX inquiry date 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
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has ignored again this pertains to a Federal law violation of unlawful HIPPA non disclosure and after several disputes still completely ignore it. 

I am going to sue each of you for your violations. 


Watch.
Complaint sub-issue: Talked to a third-party about your debt

Contacting other people about a debt that doesnt belong to me
Complaint sub-issue: Information is missing that should be on the report

Me and my husband have a XXXX XXXX card that is not showing on my XXXX   account, and I also have a Citi Bank card not showing on my XXXX account.
Complaint sub-issue: Their investigation did not fix an error on your report

I was XXXX with the XXXX and requested that my account be freezed and citi bank failed to honor this request, hence I have late payments being reported for 60 days while on XXXX. According to The Servicemembers Civil Relief Act of 2003 ( SCRA ) replaced the Soldiers ' and Sailors ' Civil Relief Act of 1940 deployment of more than 180 days constitutes a hardship requiring creditors to defer or freeze payment obligations of military personnel.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Complaint sub-issue: Reporting company used your report improperly

Ever since I was forced to file Bankruptcy in XXXX 2008 I have made all payments on time as agreed and paid off all Credit Card Debt Monthly Balances in Full. All other installment loans such as Mortgage, Auto and other installment loans have all been paid on time as agreed or paid off sooner. I have only applied for and obtained credit as needed. After following all of the purposed recommendations my credit score still remains well below XXXX. My score seems to bounce back and forth in the low to hi XXXX 's. I would not have had to Bankrupt in the first place had our Government been in control of our Mortgage & Banking Lending Practices. The Housing Market would not have come to a complete CRASH had our Government put into place Strict Regulations to prevent Appraisers from preparing false Housing values, Our Government continues to fail to Regulate the Banking Industries Lending Practices and it appears that we are heading right back into another Recession. As for my own personal Credit score. It appears that all three of the Credit Reporting Agencies are creating a false and very Low Unrealistic Credit Score. This has become very obvious based on my credit history since Bankruptcy. I believe they are doing this so that Lenders will not offer me the best credit available and instead these Bureaus are creating the scenario that forces me to pay higher interest rates and fees. Most importantly XXXX Credit Report is what XXXX XXXX XXXX is basing my Credit Score from. So I ask you again how can I improve my credit score to over XXXX? It is obvious that I pay all of my payments on time, keep all credit cards balance paid off every month and have done everything suggested by Credit Score as well as XXXX. I am frustrated by the constant interference by the Credit Reporting Agencies and their low intentional Credit Scoring that is designed to force me the Consumer from obtaining the best credit available. A copy of this email has also been sent to the US Treasury and the Consumer Financial Protection Bureau for their review as well. Very Respectfully, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Veteran
Complaint sub-issue: Information belongs to someone else

Dispute was filed with XXXX and XXXX online XX/XX/2020 for accounts that DO NOT BELONG to me on my credit reports. I have also sent information to prove who I am by mail to XXXX, XXXX and XXXX and dispute these accounts. I have contacted the lenders of origin and collection companies in attempt to have erroneous accounts removed from my credit report. XXXX Customer Service Executive from NY has submitted paperwork for two accounts to be removed from credit reports for total of approximately {$1000.00}. Yesterday received letters from EOS CCA stating that these accounts were verified in dispute and belong to me. I called them and my social security number does not match the one on the accounts. I am not even a XXXX consumer. They were unable to resolve. Call to and certified letter sent to XXXX XXXX and they have yet to respond to dispute of approximately {$17000.00} written off and collection of approximately XXXX XXXX.Association of XXXX in collection by XXXX {$100.00} has not responded. XXXX XXXX collections {$1000.00} continues to show on reporting. I am attempting to have a VA Mortgage loan processed and these accounts are causing me financial damage and the VA is unable to complete the loan until the items in dispute are removed. I have all documents to prove who I am, where I have lived for the past 36 years, my social security number, etc. The remainder of my report shows excellent credit with an exceptional payment history on MY accounts. These credit bureaus have about 20 addresses listed- two of which are accurate and 14 phone numbers-two accurate. How quickly these credit bureaus and credit reporters can enter wrongful information and slowly do they work to clean up their mess. It is a vicious undertaking to personally attempt to correct the errors of, collection agencies and credit reporting. There should be a dual entry of information into these systems. One person enter and another have to enter to make sure that all information matches.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX WY XXXXXXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$7300.00} ; XXXX OF XXXX XXXX XXXX : {$150.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$170.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I have several accounts on my credit report that do not belong to me. I have been fighting this for months. 

These following accounts are not mine : XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of these accounts. I have reached out to the creditors but I have not received any help.
Complaint sub-issue: Not given enough info to verify debt

XXXX issues : 1. Agency refuses to validate the debt with me, even after a phone call and two letters. They did not validate the debt but, instead, updated my credit files with derogatory entries. 2. They have changed the balance amount AFTER I filed two more disputes, and a complaint, in XXXX 2015. I have seen {$160.00}, {$300.00}, and {$310.00}. Is this even LEGAL? How is a company allowed to report information and not send the required information, when requested? Clearly, I did not get any notification from them as I had relocated to another state BEFORE they even took over the case. Therefore, I was not served the papers to verify if that debt was mine. 3. They claimed they sent me a certified letter after filing the first FTC complaint. Not true at all. They never sent a single piece of paper to me, showing a complete breakdown of the amount. 4. If they are including an additional fee in the amount, that 's up for dispute, as well. I never entered into any agreement with them for their services. Therefore, I disagree with any fees included in the amount. 

XXXX and XXXX investigated and removed this debt from both of my credit files. On XXXX XXXX, 2015, I filed another dispute with XXXX, due to the above information. 

Bottom line : the legalities of them being able to change the amount owed needs to be investigated, as well as not providing me with full verification of the debt. I also requested their licensing and legal status for doing business in the state of Georgia. See the attached letter for additional information requested, regarding this.
Complaint sub-issue: Unexpected increase in interest rate

Received Citi card statement for {$30000.00} for XXXX/22XXXX/22. 
Paid online through XXXX XXXX XXXX Bank {$3000.00}. XXXX/XXXX/22. 
Charged again in XXXX with late fees {$72.00}. 
Citi lost the payment apparently. 
Finally, we received with Citi cards accepting responsibily and crediting our acount XXXX/XXXX/22. 
Paid final payment to cose the account {$140.00}. XX/XX/22 We have continued to receive late charges in a monthly which we have paid {$290.00}. 
My wife and I are XXXX XXXX XXXX and we pay our blls. Citi cards is attempting to take advantage of us.
Complaint sub-issue: Other problem

Someone has opened a visa in my name ending in XXXX I dont know the bank or card number. This individual used it at Best Buy for over {$900.00} and used another card that Ive already reported.
Complaint sub-issue: Reporting company used your report improperly

As I know and as you, Equifax, should know that pursuant to 15 USC 1681 ( b ) ( Permissible Purposes ) as well as the FCRA section 604 ( a ) ( 3 ), you are in violation, by allowing multiple 3rd parties to access my private and personal information. This has not only damaged my personal but my family and household as well. By allowing my report to be viewed by MANY without my direct authorization is an invasion of my privacy as well as being illegal! I have made NUMBEROUS attempts to have them removed to NO avail. TODAY, The remedy that I seek for your violations is deletion of all soft inquiries and {$5000.00} payable to myself. However, I am willing to negotiate. If I do not receive remedy or counter, from this notice within 5 calendar days, I am ready to file documents in small claims court. 

Notice to agent is notice to principal, notice to principle is notice to agent.
Complaint sub-issue: Their investigation did not fix an error on your report

Im XXXX XXXX, XXXX XXXX  company in XXXX TN, XXXX is reporting a mortgage to my Equifax credit when do no not have a mortgage with them! Ive disputed it several times and was never resolved. This problem has been going on for 12 years and its effecting me financially! The mortgage is my fathers who has the same name as I. Ive contacted XXXX dozens of times but still no action has been taken!
Complaint sub-issue: Information belongs to someone else

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Complaint sub-issue: Problem getting report or credit score

On my free credit report from Equifax , an incorrect address, one where I have never lived is shown. To dispute items on the report, it says go to " XXXX '' Over four days, my computer ( s ) can not connect to this site. I suspect it has been engineered to make it impossible for people to correct errors.
Complaint sub-issue: Personal information incorrect

The credit agencies have been reporting inaccurate information on my credit report. 

15 U.S.C. STATES 1681 SECTION 602 A. STATES I HAVE RIGHT TO PRIVACY.

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. 

ALSo THE CREDIT BUREAUS TOOK MORE THAN 30 DAYS TO COMPLETE MY INVESTIGATION. HERE IS MY CERIFIED MAIL TRACKING NUMBERS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've sent letters to credit bureaus on XXXX XXXX. I have yet to have received a investigation nor received any results in my mail. I've contacted furnisher for updates also.
Complaint sub-issue: Their investigation did not fix an error on your report

Regardless of the multiple written requests, the unverified public records listed below are still reporting on my credit report in violation of federal law. I'm telling you once again that I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 

Bankruptcy XXXX XXXX Bankruptcy Reference # : XXXX Date XXXX : XX/XX/2019