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

In accordance with the Fair Credit Reporting Act XXXX  Account # 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: Old information reappears or never goes away

on myEQUIFAX report I noticed an item showing up that have not been on my report in several years. I realized it when I noticed my score drop by at least 20 points. It was from an old debt I HAD CLEARED UP AND WAS REMOVED, NOW IT IS REAPPEARING ON MY REPORT. IT WAS FROM AN OLD ACCOUNT AT XXXX XXXX  THAT HAS BEEN PAST CLEARED UP
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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 information incorrect

XXXX, Equifax and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Complaint sub-issue: Problem with customer service

I submitted a complaint against nelnet over a month ago but NEVER got a response. 


Nelnet took over my loan from XXXX sometime last year without telling me. Now my automatic deductions are NOT being made and I can't even get anybody to give me my account number so I can fix the problem. I've sent several emails and some were ignored while another was replied to with some secure email that I couldn't even open! I replied back and told them to send a REGULAR email reply because my email was password protected but I never got a response. These people are obviously scammers who have no business being responsible for other people 's money!!!!
Complaint sub-issue: Their investigation did not fix an error on your report

Sent certified mail delivered in the XXXX on XXXX stating this account XXXX XXXX XXXX was not mine and may be fraud. I have many open accounts with XXXX XXXX in good standing and this must be a mistake.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance   XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX +  Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX +  Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Dealer XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX +  Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX   Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX8 + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Complaint sub-issue: Information belongs to someone else

see the ftc for the FCRA violations names not mine and accounts attached to the names please remove it : you cant have no creditor how fair is that I owe money to Ghost!!! 


see attachments for proof of all claims : and unknown payment history for accounts paid? why?
Complaint sub-issue: Other problem getting your report or credit score

XXXX  IS SUPRESSING MY CREDIT FILES AND THUS CITI BANK IS UNABLE TO DELETE 3 ACCOUNTS.
Complaint sub-issue: Can't close your account

Notice to Cease Communications Certified Mail TO : DISCOVER XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2018 RE : Acct. # s XXXX XXXX XXXX XXXX To Whom It May Concern, This letter is in response to the many phone calls I have been receiving from you concerning the above mentioned accounts. 
1. I am requesting DISCOVER to cease further communication with me by PHONE concerning this account. 
2. I am requesting DISCOVER to close this account Please DO NOT communicate further with me via phone with respect to these accounst. 
You are harassing me calling numerous times and leaving messages as I have a seriously ill individual who I care for and these numerous calls stress her. 
Pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act,, [ 15 USC 1692c ] Section 805 ( c ) : Ceasing Communication, you must stop all communication with me after receiving a letter that I no longer wish to communicate with you. Therefore, do not call me at home, at work, on my cell phone or any other phone. 
I am keeping a record of each call. I am requesting that you communicate with me only in writing. I simply wish you to cease all communication via phone calls. I do not admit or deny liability on the debt. I just want you to stop calling me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

I have been trying for XXXX months to get an erroneously reported incorrect payment removed from my credit reports to no avail. On XX/XX/XXXX, I submitted a complaint to the XXXX describing a payment incorrectly reported as late in XX/XX/XXXX by XXXX XXXX XXXX XXXX The company responded by letting me know that they had mailed letters to XXXX, XXXX, and Equifax advising that the late payment was indeed reported in error. However, my most recent credit reports continue to show the erroneous late payment in XX/XX/XXXX, dispute raising disputes with each of the credit bureaus. Screenshots attached.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a paid and closed account on my credit file from XXXX XXXX XXXX. This account was paid and closed in XXXX of XXXX to this day equifax & XXXX XXXX the CURRENT STATUS as 120+ days past due. How can that be a current status when the account is paid and closed? and has been for over 3 years now. 

The current status should be reporting as XXXX & XXXX or XXXX, not late! 

This reporting is very damaging to me, and is causing me problems when I try to pursue a mortgage. this current status reporting needs to be corrected as its incorrect
Complaint sub-issue: Their investigation did not fix an error on your report

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

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BBY/CBNA XXXX Balance Owed : {$4200.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I reached out to all 3 Bureaus XXXX, Equifax, and XXXX in regards to accounts and inquiries that wasnt mine, that I had not auhtorized, I spoke with a lady who told me she would remove the inquiries at XXXX  by the name of XXXX we went thru the list together and there is nothing done, Ive disputed these accounts to all the bureaus cnothing is being done, you have all these bills on my account tied to addresses i NEVER even lived at, I want something done with this, its not fair that people can just use your information when they feel like it and do what they want with it. I want these accounts and inquiries removed. I filed all reports that needed to be filed. There are 4 collections accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I would liked to get this resolved in a timely fashion.
Complaint sub-issue: Didn't receive advertised or promotional terms

Discover Card advertised a promotional to open a new account. The ad ran as " dollar for dollar cashback match '' for the first year. I opened the account in XXXX. My first bill was for $ XXXX. I received {$.00} cashback match. Didn't make any sense so I waited for the second bill where I had charged $ XXXX and paid the bill two days ago, so reviewing the bill was fresh in my mind. I have an excellent credit rating. I was listening to XXXX apx. XXXX XXXX. this morning, CDT, Saturday, XX/XX/XXXX. The commercial again repeated, " dollar for dollar cashback match ''. I called Discover and was told it is not " dollar for dollar cashback match '' it is 1 % cashback match. 1 % of XXXX pennies is XXXX cent, not XXXX pennies. So my most recent bill was $ XXXX, my credit match is {$3.00}. This is NOT dollar for dollar. I explained this to two Discover agents, who reiterated the cashback match is 1 %, NOT " dollar for dollar cashback match '' for the first year, as repeatedly advertised. This is completely false advertising, a gimmick to hook in new customers and is completely false. Having repeated the same information 3 times to two different agents, I simply said, this is deliberate false advertising, am filing a complaint. No where on their commercials is 1 % cashback match EVER mentioned.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Ive been trying to resolve this issue but Equifax refuses to remove the following fraudulent inquiries from my credit report : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Complaint sub-issue: Can't use card to make purchases

This bank is dishonest treats me horribke closes my checking accounts refuses to do business with me closes my accounts refuse to help and now my credit card has been charged off to another company
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act, everything has to be 100 % accurate on my Credit report. The credit bureaus stated my account was property investigation but now is That possible if the open date is inaccurate, the active inaccurate, and date last reported is not accurate.This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A, states l 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 instruction. 
My complaint ID # XXXX
Complaint sub-issue: Account status incorrect

I have been battling this issue for a whole year now and finally decided to just pay it off. On XX/XX/2018 I sent a letter to the credit to settle this account in the amount of {$140.00} with the following terms : All negative information relating to this debt must be removed from my credit report from all three credit bureaus ( i.e. charge-off, late payments ). 
You will not list this debt as a settled account, but paid in full and closed with no balance due. 
Your company will accept this payment to satisfy the debt IN FULL. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to any outside third parties. 
On XX/XX/2018 ; the creditor responded with a counter offer of {$200.00} to be paid by XX/XX/18. On XX/XX/18 I paid the money order in the amount of {$200.00} and again sent the terms that were on the original note and added " In addition cashing of the money order is an agreement of the above terms. '' I never received a response but on XX/XX/18 the money order was cashed. When I checked my email a few days later, I noticed an email from the account manager on XX/XX/18 stating the following " unless you email me a signed letter that you are willing to agree to everything else but the first request, I will have the payment department return your money order. '' Well the money order was cashed and although I understand it has not been 90 days, the creditor has flagged the account as settled and all other terms that were listed in the letter were violated. They received payment, the money order was cashed and I still have negative remarks on my account. 
***SEE ATTACHED DOCUMENTS***
Complaint sub-issue: Reporting company used your report improperly

Equifax supplied my Credit Report to an attorney, XXXX XXXX, who had no authorization to request and Equifax had no authorization to provide in the 1990 's. 
I have filed this complaint before and Equifax does not respond nor take any responsibility for the illegal breach of my personal information.
Complaint sub-issue: Information is incorrect

My insurance company raised my rate due to a temporary suspension that was reported on my dl from XX/XX/XXXX - XX/XX/XXXX. This is an error as I have had no contact with anyone or anything this entire year that would even imply that my license was suspended, let alone reinstated, without my knowledge. 

My insurance company keeps pointing at lexisnexis, lexisnexis is pointing at the dmv, and the dmv is pointing back at my insurance company. 

It is costing energy and effort to try to set something right that they all agree is no my doing, or my fault, but no one wants to step up to fix the issue. 

My insurance company maintains that lexisnexis has the power to remove the incorrect information from the record. Lexisnexis maintains that it is the dmv 's records that need to be edited. The dmv has given conflicting information I spoke to all these entities today, Tuesday, XX/XX/2020.
Complaint sub-issue: Public record information inaccurate

My student loans are ( unfortunately ) now administered by Nelnet.  They used to be with XXXX. 

I've tried calling, live chatting, and emailing Nelnet. Nelnet has a bad website, plus very slow customer service ( probably by design ), but they sure aren't slow about wanting to get your money. 

I have had a very good credit rating for a while. My student loan payment to Nelnet was due on XX/XX/XXXX. I paid Nelnet a few days later than the XXXX ; making my payment on XX/XX/XXXX by electronic means. 

In the meantime, I received a report that my credit rating had been dinged pretty hard. The report made it sound as though I had done something earth-shattering and catastrophic ( you'd think that I had defaulted on a loan or filed for bankruptcy ). 

I checked, and other than paying Nelnet a hand full of days after the XXXX, there is nothing that I can find that would explain the recent adverse credit report. 

If Nelnet pulled the trigger on reporting me for the relatively minor infraction described above, I would like to know, because it would certainly be a disproportionate overreaction on the part of Nelnet if that is what happened. 

However, Nelnet is very difficult to get a hold of - calling, emailing, etc. don't seem to result in any sort of timely or meaningful responses from Nelnet. 

I've made all of my payments for the month, and Nelnet is the only one that looks as though it could have triggered the over the top report to the credit agencies. 

I would like for Nelnet to actually have some customer service and to let me know whether it was Nelnet that did the report to the credit agencies. 

If it was Nelnet, I would like for Nelnet to withdraw the report, as it is over the top for making a payment a handful of days after XX/XX/XXXX. Given my history ( just ask XXXX ), I would hope that Nelnet could be reasonable and that it would choose good corporate citizenship over corporate degeneracy. 

Failing that, and in the event Nelnet did make the report to the credit rating agencies but will not try to make things right, please let everyone know about Nelnet. 

Also, can we institute a death penalty for bad companies? I think it would only be right since these companies claim to have the same constitutional rights as real people. Please let me know. 

Thank you for your time and attention to this matter. 

Best regards, XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Attached is an identity theft report with all fraudulent inquiries that are being reported to my Equifax credit report. 

Fraudulent Equifax Inquiries XXXX XXXXXXXX XXXX  XX/XX/2022 XXXX XX/XX/2022
Complaint sub-issue: Information belongs to someone else

with equfax dates where i lived are wrong their are collections,, many i have never heard of. over half the info thay have i dont recogniz
Complaint sub-issue: Didn't receive enough information to verify debt

This agency never sent me paperwork informing me that I can opt out of having these items reporting to my credit report. that is very misleading on their behalf. this has caused me tremendous amount of XXXX and has made my XXXX XXXX get high. I am a victim of identity theft. by FCRA LAW you must remove these fraudulent accounts after 4 days of receiving this XX/XX/2021. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ).
Complaint sub-issue: You told them to stop contacting you, but they keep trying

They called me on XX/XX/2021 and I told them not to contact me. 

I ended up waiting online for a representative because a representative refused to put me on DNC list. 

I was contacted on XX/XX/XXXX and told the woman who contacted me that I was on the do not call list. 

Today on XX/XX/XXXX, I was called again. I was hung up on twice until the last woman I talked to claimed she placed me on the do not call list.
Complaint sub-issue: Account status incorrect

To update my current dispute at XXXX XXXX, C.F.P.B. number XXXX, which is still in process, I am including the Lawsuit Copy received at the Clerk 's Office of the U.S. District Court for the District of XXXX XXXX XXXX Yesterday, XXXX XXXX XXXX I filed a lawsuit against XXXX de XXXX XXXX XXXX, known as XXXX 

XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX de XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections XXXX. 

Because, on my sixth visit to XXXX. for the complaint number above, I finally confirmed it is XXXX XXXX XXXX XXXX XXXX the one that against the Laws and with a discriminatory conduct, decided not to report the payments coming from my savings account at the same XXXX as payments, knowing it is a secured loan precisely to be able to use the savings there as a back up in case salary is lost. 

Because her un justifiable and illegal conduct, I included Fair Credit Reporting Act Violations, Fair Debt Collection Practices Violations, and XXXX Disrimination. 

She also decided not to report the whole payment history of the loan and an incomplete payment history of my payments paid personally.
Complaint sub-issue: Their investigation did not fix an error on your report

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Complaint sub-issue: Problem with balance transfer

CitiBank unilaterally took {$10000.00} from my XXXX  XXXX XXXX bank account on XX/XX/18 and put the money in my credit card account. 

I discovered this on XX/XX/18. I called them and the customer representative told me that they were aware of this, that a ticket has been created. Yet I was never informed nor had they made any effort at that point to return the money. 

I asked for the money back and she said that they would pay me back in 2 business days. Okay, I thought. I have time and will be able to make my mortgage. 

Today, XX/XX/18, a week later, the money still has yet to be transferred. 

I called Citibank again and asked for my money to be returned. The customer service rep said it would take another few days. I asked for the money to be wired into my bank account today because my mortgage is due and he said he could not do it. 

I asked to speak with his supervisor. XXXX got on the phone and informed me that it would take 2 business days for my money to be transferred. I asked for the money to be wired today. He said that he could not do that because he had to follow protocol. I asked if it was protocol for money to be stolen from customers accounts. No. Then, you dont need to follow protocol and return my money. He said he could not do that. 

I asked why it wasnt returned in the 2 business days as I was promised. He said because the money went into validation. I asked why I wasnt informed. No answer. He said it went into validation because it is a lot of money. I said, clearly I know it is because I need to make mortgage and I cant. I asked for compensation so I could pay my mortgage. He refused. He said they gave me extra award??? I dont think extra awards are going to help me pay my mortgage. 

I asked to speak to his supervisor, someone who could authorize my money to be wired today. He said he could schedule a call in 24 to 48 hours. 

I screamed at him to give me back my money. He hung up on me. 

I called back and spoke with XXXX XXXX. She said that she could not tell me when the money would be returned. That it is in approval. They would inform me when it is out of approval.