Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

XXXX, XXXX XXXX  XXXX, XXXX, TX XXXX XXXX has been wrongfully reporting wrong information on my credit report. I have been disputing this Bankruptcy information for over six months. They buy information from a third party called Lexis Nexis which is very inaccurate. 

Letter to LexisNexis ( Please accept this formal letter as my second request to investigate & remove derogatory account from my consumer report. I have found it has errors. It has come to my attention that you are reporting inaccurate data which I dispute, and this letter is an appeal for your assistance. As a consumer reporting agency 15 USC 1681a ( f ), you are governed by the Fair Credit Reporting Act ( FCRA ) 15 USC & 1681 et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer files. The FCRA states that its the consumer reporting agency 's responsibility to ensure that all information contained within consumer files is accurate & free from errors. Your company is regularly engaged in the business of assembling, evaluating, and disbursing information concerning consumers for the purpose of furnishing consumers reports, as defined in 15 USC $ $ 1681a ( d ), to third parties. 

New Jersey Bankruptcy court does not communicate neither provide information to the 3 credit Bureaus. I have attached a court document to prove my case. 
cc ; New Jersey Attorney General
Complaint sub-issue: Didn't receive notice of right to dispute

Reviewing my consumer report I noticed my privacy being violated. I have rights as a consumer to privacy on all reports. 34 CFR Part 99 - FAMILY EDUCATIONAL RIGHTS AND PRIVACY States I have a right to privacy. 15 U.S. Code 1681b - Permissible purposes of consumer reports Also States I have a rights as a consumer. I request a proper investigation into this matter. Please produce the ORIGINAL STATEMENTS containing my signature that authorized this information being reported to my consumer report. 
XXXX XXXX XXXX # XXXX Has reported to my consumer report and has cause damage to my reputation. I have been denied good faith and credit for services and goods. I want all loans dealing with this account removed immediately.
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/XXXX National Recovery Agency responded to XXXX : " NRA Group , LLC is in receipt of the consumer 's complaint. Due to the nature of the debt, the correspondence will be placed in the mail to the consumer once received from our client. Please be advised the details will arrive in a white plain envelope that may appear as junk mail. '' The attached was received XX/XX/XXXX in part stating : " {$2900.00} + {$3300.00} + {$210.00} patient payments. '' To perpetuate its fraud National Recovery Agency refused to include in its attached XX/XX/XXXX communication respectfully requested ALL billings to XXXX XXXX, all insurance billings, all medical records of all alleged service ( s ), all insurance denials and the name and address of collectors used to date. 

XXXX XXXX XXXX was XX/XX/XXXX authorized to release all medical provider treatment and related information ( all insurance billings, all medical records of all alleged service ( s ), all insurance denials ) and like XXXX National Recovery Agency refuses to honor this requested release,
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting that my harley davidsion payment status is currently 30-90 days pass due and date of last payment is XX/XX/2019. 

I filed a dispute with them and transunion submitting proof in the form of my last statement from XXXX that it is current and date of last payment is incorrect as they are reporting it. 

XXXX  fixed the problem but Equifax refuses to fix it even after I personally called them and asked them to fix it. I am being refused a vehicle loan based alot on this error and I need it fixed. 

I can not see if XXXX  is reporting false information or not because I keep having problems trying to check it and file the dispute. 

I dont know why they wont fix it with me submitting the solid proof in written form to them or if XXXX XXXX keeps reporting false information but I would like it fixed or have XXXX removed from reporting on all three credit reports due to irrenious reporting per the FCRA and constinaly filing disputes. 

I worked hard to fix my credit so I can buy a home to retire in but this hassle with the credit reporting agencies is stopping me. 

Please help me fix this XXXX XXXX reporting problem if not at least fix eqifax to report it correctly. 

I currently only have my statement from XX/XX/XXXX showing XX/XX/XXXX being paid on time. XXXX has not issued my statement showing XX/XX/XXXX payment on time but you can call and verify that it was paid on the due date of XX/XX/XXXX. 

Thank you
Complaint sub-issue: Investigation took more than 30 days

showing fcra violation inaccurate information reported to the ftc please correct it or remove the violations it's the law in America
Complaint sub-issue: Deposits and withdrawals

On XXXX XXXX, my bank account was hacked and a total of {$29000.00} was removed from my Checking account with Citibank through 2 unauthorized wire transfers. At the same time, my cell phone was hacked and rendered useless. XXXX hours later I was able to reset my phone, which allowed me to gain access to my online Citi account again, and to contact the bank to report the fraud. In the following weeks, I opened a new account with Citibank, filed an affadavit as instructed by the bank, and filed a police report with the XXXX. I was told it could take up to 90 days from the receiving of the affadavit for a decision to be made in regards to the fraud investigation. I called the Citibank Fraud department weekly to check in on the investigation, and was told each time that the investigation was still ongoing and no further decision had been made. 

Finally, on XX/XX/2022, I received a call from Citibank informing me that a decision was imminent, and that I would get a letter by the end of the week. On Friday XX/XX/2022 I receieved the letter at my apartment address, which notified me that the fraud claim had been denied. Citibank cited that I had not done enough to secure my account 's security, but did not provide any additonal information, and only left a general line to call with questions.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has not resolved my complaint they reopened XXXX accounts that were closed. XXXX account has been closed since XXXX. My complaint should still be open. I am being discriminated against and I will all be pursuing for legal damages for all violations of the FCRA against my credit.
Complaint sub-issue: Information belongs to someone else

I have reviewed my credit report and found wrong, inaccurate fraudulent accounts on my report.
Complaint sub-issue: Account status incorrect

XXXX/XXXX  property show on there only statements that I over paid, my is rent is XXXX an month. Section 8 pay XXXX an month and I pay XXXX an month. According the statement issue by Colonly on XX/XX/XXXX Section 8 was paid up to XXXX of XXXX and I already paid for the month of XX/XX/XXXX and Partial of XX/XX/XXXX, so I dont understand where and why this report was made. This report was credit bureaus. Please look into this information
Complaint sub-issue: Threatened to sue you for very old debt

I have been receiving calls from Legal aid. They said that there is a judgement pending against me. No court paper work has been filed. I have spoken to someone and they state that I owe a credit card company a total of {$14000.00}. I can settle for {$6400.00} or payment plan from the amount of {$14000.00}. If I do not answer within 24 hours I will be sued, they will put a lien against my car, my home if I have one. I have checked my credit report and there is nothing on there stating anything. I have also called the credit card company with account number that was given to me by XXXX XXXX and the person I spoke with could not find anything. I received an email from XXXX XXXX XXXX XXXX so that I can put my credit card information to pay {$6400.00} and sign.
Complaint sub-issue: Information belongs to someone else

My identity was used by someone else to open fraudulent accounts. This has resulted in the following US DEPT ED XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX US DEPT ED XXXX XXXX XXXXXXXX XXXX  XXXX XXXX FRAUDULENT items to appear on my credit reports : I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Complaint sub-issue: Debt is not yours

I have received calls at least 2-3 times a week from XXXX ( which is a collection agency ) on my company phone. I have called them twice and they always tell me I'm not in their system, I don't owe them anything, and they don't know why I keep getting the calls, except for that it might be in another system that they don't have any control over. They have cross referenced my company desk phone, which forwards to my cell phone and that number is not in their system either. The calls have become more frequent and are starting to interfere with me conducting business on my company phone.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I contacted Equifax multiple times to get my name updated & my address they have address on my account that are not mine I faxed my drivers license Marriage certificate & W2 to XXXX the fax number they provided I spend time & gas to fax from the UPS store & Equifax keeps telling me to refax it I have proof it was faxed date & time stamped I can attach copies. They are causing me to get denied for a home I need to rent because the house I'm living is is being sold. I spend hours on the phone with them not getting help. I'm beyond frustrated as this is affecting my life & my family.
Complaint sub-issue: Problem getting report or credit score

I tried to log in to the website. I was n't able to log in so I called the customer service phone number and they were n't able to get me to log in after several attempts and temporary passwords. They were able to successfully verify my identity. I used XXXX different browsers while we were trying. I cleared cookies and restarted the computer as they had advised. Nothing worked. The customer service rep finally created a tech support request on his end after an hour of staying on the phone. They asked me to call back in 7 business days to see if the issue has been resolved. I wo n't be refunded for the amount of time I am not able to use the service. I asked to speak to a supervisor and was placed on hold for longer than half an hour. This is on top of my staying on call with their rep for 50 minutes trying to resolve the log in issue. The customer service rep came back online and mentioned that I should try logging in again. I asked him that I need to speak to the supervisor and I do n't want to try anything again. I told him that I am filing a complaint with Bureau of consumer financial protection. As soon as I mentioned that, I had a supervisor on the line ready to speak to me. I asked him to refund me the amount that I paid since my last successful log in. He said he can only refund one month of fees which is wrong. I think it is unfair to have someone stay on phone for longer than an hour of their life trying to resolve an issue that 's on the company 's side.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax failed to positively verify the account, and has hurt my ability to obtain credit. XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX were never paid late. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed
Complaint sub-issue: Reporting company used your report improperly

I 'm filing a complaint about the data breach from Equifax. I heard about it on XXXX XXXX, 2017 and  have found that my information is at risk.
Complaint sub-issue: Their investigation did not fix an error on your report

I have Duplicate Accounts on all 3 of my Credit Report. XXXX XXXX XXXX. And XXXX XXXX XXXX XXXX XXXX. XXXX is a Charge off XXXX XXXX XXXX is in Collections. Debt Buyer. I Disputed and XXXX stated they Verified this Account as Accurate. How??? They didnt Investigate. The FCRA states that I am entitled to a Fair and Accurate Credit Report this is illegal. Beyond Fair
Complaint sub-issue: Old information reappears or never goes away

XXXX/XXXX  added a negative account for what appears to be a credit card in XX/XX/2019. I've sent online disputes asking the credit bureaus to to their job and investigate because I have never had a XXXX Credit card.I 've sent dispute letters to the three Credit Bureaus certified with the following tracking numbers : XXXX XXXX XXXX It still remains on my credit. I contacted XXXX to get more information and tell them I believe its fraud and asked them to send me a copy of the original paperwork where I applied for the card. I gave them 30 days and they wrote me back stating they could not assist me at the time, and their apologies for the inconvenience. I then sent a dispute letter directly to them on XX/XX/2019 with the tracking number : XXXX ( which was delivered on XX/XX/2019 ) asking them once again to verify. I understand that they have 30 days to respond or delete. It is now 72 days and I have not received anything from XXXX at this point it needs to be deleted from my credit file. Every month they are updating more days late. Which is harming my score. They are breaking the law
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 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more 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: Received bad information about your loan

The company, FedLoan Servicin g ( " FedLoan '' ), is se rvicing my federal student loan. I am making payments und er the Public Service Loan Forgiveness Program and having  a payment each month under the Income-Based Repayment Plan is the only way for me to be able to afford the payment. And, I want to qualify  for Public Service Loan Forgiveness as soon a s possible.     FedLoan advised me that the date for recertification of my student loans was due by  XXXX   XXXX ,  2017.   The documents to recertify were submitted today (  XXXX   XXXX  , 2017 ) an d while on the phone with FedLoan I was told via phone that my  XXXX   2017 pay ment may not be under the Income-Based Repayment Plan amount because of processing delays.
Complaint sub-issue: Information belongs to someone else

Someone used my information and I have fraudulent inquiries on my credit report. I have asked XXXX and XXXX and Equifax to remove these, and I have followed all procedures they have asked of me, and they refuse to help me. I have mailed in several times, the paperwork they asked for- and its the same lie of we didnt receive it. I have proof I did in fact send it many times!! 

These are the inquiries : 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
Complaint sub-issue: Didn't receive notice of right to dispute

My information was stolen back in 2011 and various accounts were opened with this information including this account that I had no knowledge of or how to go about disputing it until now.
Complaint sub-issue: Their investigation did not fix an error on your report

hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before XXXX days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my report : Late Close XXXX  XXXX XXXX {$0.00} Charge Off XXXX XXXX {$600.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$4900.0XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX {$300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$7400.00} XXXX  XXXX {$1100.00} XXXX XXXX {$3500.00} Date Opened : XX/XX/XXXX XXXX XXXX {$700.00} Date Opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX  XXXX {$710.00} Date Opened : XX/XX/XXXX XXXX XXXX {$500.00} XXXX  XXXX  XXXX {$1200.00} Date Opened : XX/XX/XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have an account with a company named XXXX after several months of the company reporting a good payment history to Equifax, Equifax refuses to add the tradeline to my credit file ..I have provide email communications from the creditor, email communications from Equifax representative to the creditor stating they are reporting the item however the item doesnt appear on my file as a result it appears I have less credit history then I really do and it it causing my credit score to be lower
Complaint sub-issue: Account information incorrect

Information in regards to XXXX XXXX XXXX is inaccurate. As per documentation received from XXXX XXXX XXXX, as well as the OCC, this account is reporting incorrect, as far as date of last activity, etc. XXXX XXXX XXXX states the date of first delinquency as XX/XX/XXXX, yet my credit files has an earlier date of delinquency, dating back to XX/XX/XXXX. The bank is stating information within the body of my credit reports are " accurate '', yet I have found major discrepancies.
Complaint sub-issue: Information belongs to someone else

Equifax credit reporting agency refuses to remove 3 fraudulent inquiries from my credit report. 

XXXX XXXX/ XXXXvisa - XX/XX/2019 They removed fraudulent account but they are refusing to remove inquiry. 

XXXX/XXXX  - XX/XX/19 XXXX XXXX send a letter to equifax To remove fraudulent account and inquiry. 
Although equifax removed account, they refuse to remove inquiry. 


XXXX XXXX XXXX XXXX - XX/XX/2019
Complaint sub-issue: Can't get flexible payment options

I took out private loans through the lending institution American Education Services/National Collegiate Trust back in 2006, while I was an XXXX student at XXXX XXXX XXXX University in XXXX XXXX, CA. The initial amount of the loans was approximately {$57000.00} ( current remaining balance is approximately {$46000.00} ). The loans remained in a deferred status during the remaining part of my education as an XXXX student at XXXX and throughout my XXXX education at XXXX University in XXXX, PA. Upon graduating from XXXX school, the loans qualified for the 6 month grace period. Although I was employed within 6 months of graduation, I requested several consecutive deferment and forbearance periods due to the fact that my total salary was not sufficient to make minimum payments while supporting a family of XXXX. I have XXXX children, and at the time, I was married, and my spouse was unemployed. Upon finally entering repayment, my original minimum payments were approximately $ XXXX/month. After my spouse returned to full-time employment, this was a payment that our family could afford without being placed into a financial hardship type of situation. However, after 6 months, AES notified me that they were going to be ballooning my minimum monthly payment to over $ XXXX/month ( approximately $ XXXX/month ). I was very clear with AES that, if they took this action on my loans, this would certainly pose a financial hardship for my family, as we could not afford that amount for a minimum payment. AES persisted in taking this action anyhow, and my private loans subsequently entered default status. I continued to make the $ XXXX monthly payment even after my loans entered a default status to show that I was making a good faith effort to repay my loans. This action did nothing, however, to prevent or reverse the status of my loans going into default. I had not been in a financial position to repay the loans for quite some time post-graduation from school, and when I finally got to a point where I could repay my loans, AES only accepted 6 months worth of payments before ballooning my minimum payments. AES was not in any way concerned about impacting my credit and sending the loans into a default status. This has had an incredible impact on me and my family, personally, as now I am divorced and was allocated ALL of my student debt in the final divorce settlement ( this amount totals over {$200000.00} as it includes BOTH my private and federal student loans ), and financially, as the consequences to my credit means that I have a difficult time qualifying for purchases I may need to make in the future, such as purchasing a home or a vehicle. These loans are currently being managed by a collections agency, and the loans have been turned over several times to several different collections agencies since entering default.
Complaint sub-issue: Debt is not yours

It was proven to XXXX XXXX XXXX XXXX ( XXXX ) that the debt they are trying to collect belonged to my deceased grandmothers home at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX They constantly called me even after I asked them not to because I had muy own account with them in good standing but they didn't stop. My grandmother passed away and because I was simply authorized on her account because she had XXXX, they threatened me that if I wouldn't pay they would put this on my credit. I told them that was illegal and now my credit had dropped over 40 points because of this. They hired a collections agency who was given all of the information they needed to not do what they did. I am filing a complaint both against XXXX collection department  and IC Systems because BOTH are responsible and engaged in illegal activity. When collection agencies or departments receive proof they are not suppose to just ignore it and cause hardship and suffering to people. The CFPB should also be using these complaints to investigate, especially because XXXX XXXX XXXX is operating a collections department and violating Fair Debt Policies.. I couldn't find their name as a company that we could file a complaint against.