Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
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 XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Complaint sub-issue: Problem with fees

COMPANY IN QUESTION IS HOME DEPOT COMMERCIAL CARD SERVICES OF XXXX XXXX XXXX XXXX XXXX MISSOURI XXXX ( RETURN MAIL ADDRESS ). 

OR DEPARTMENT XXXX XXXX XXXX XXXX XXXX, KENTUCKY XXXX ( REMITTANCE ADDRESS ). 

ISSUE IS RATHER SIMPLE. I TRULY ENJOY THIS ACCOUNT BECAUSE RETURNS ARE SO SIMPLE : PRESENT CARD AND ITEM ; THEY SCAN AND CREDIT ACCOUNT. 

PROBLEM IS WITH BOOKKEEPING. THIS PAST BILLING CYCLE OF XX/XX/2020 SAW A {$50.00} CREDIT ON THE ACCOUNT AND {$11.00} OF CHARGES. THE CREDIT WAS NOT APPLIED TO THE CHARGE SO A LATE FEE COULD BE ATTACHED OF {$20.00}. THIS WAS REVERSED AFTER A CALL TO THE BILLING CENTER -- AS LONG AS IT ONLY " HAPPENS '' TWICE A YEAR. 

THIS HAS BEEN A RATHER ROUTINE ISSUE OVER TIME ; THE JUSTIFICATION IS I/WE DID NOT " TELL '' HOME DEPOT WHAT TO DO WITH THE CREDIT. TO ME THIS APPEARS TO BE A SLY WAY TO ASSESS FEES TO BOOST CASH FLOW. FORTUNATELY WE ARE A TWO PERSON ( MARRIED ) OPERATION. IN A LARGER COMPANY WITH SEPARATE BILL PAY DEPARTMENTS, THESE SNEAKY FEES WOULD SLIDE THROUGH AND GET PAID BY INNOCENT ACCIDENT. 
PERHAPS THIS ACTIVITY IS NOT ILLEGAL BUT IT IS UNETHICAL.
Complaint sub-issue: Reporting company used your report improperly

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 can not furnish a account without my written instructions
Complaint sub-issue: Account information incorrect

My Discover Student Loan ( Loan # XXXX ) is not being reported as a Student Loan. It is reporting as an Other Loan and needs to be reported as Education Loan 12 to the credit bureaus.
Complaint sub-issue: Information belongs to someone else

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME FRAUDULENT ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. THIS SITUATION HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND PROGRESSING INTO THAT THE FUTURE THAT I HAVE PLANNED FOR MYSELF IS NOW AT A STANDSTILL. 
PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION.
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Received bad information about your loan

I am repaying student loans through XXXX  XXXX XXXX and applied for the Public Service Loan Forgiveness Program on XX/XX/XXXX after reaching the required 120 payments. I faithfully submitted the Employment Certification forms regularly to document my employment and have worked at the same nonprofit organization during this time. The application was submitted by XXXX XXXXXXXX XXXX to FSA ( Federal Student Aid ) at the Department of Education on XX/XX/XXXX. 

I have never received a notice from FSA that they received my application. I was told processing would take 90 days for review. And then told FSA has up to 6 months to respond. As of today, XX/XX/XXXX, my application was sent to FSA over 6 months ago and I still do not have an answer from FSA. I have contacted XXXX   XXXX XXXX numerous times, however, no one will confirm that they have called FSA to check on status. When I asked for a number to FSA, I was given a number and when I called in XX/XX/XXXX, I was told that they do not speak with us and redirected me to XXXX  XXXX XXXX. No one at XXXX  XXXX XXXX will call FSA on my behalf for an update or to have FSA acknowledge that they received the application. I called on XX/XX/XXXX and requested that XXXX  XXXX acknowledge that XXXX  XXXX XXXX sent the application and that FSA received the application. I received an email on XX/XX/XXXX only noting that : " On XX/XX/XXXX, your application for the Public Service Loan Forgiveness has been forwarded to Federal Student Aid for final review. Once the review is  completed, you will receive notification with the results. '' I again requested acknowledgment by FSA that the application was received but did not receive a response. 

I have received several letters from XXXX XXXX XXXX that I have reached my 120 payment requirement for the Public Loan Forgiveness Program. I am quite distraught over misinformation and lack of transparency. I have made career decisions based on the information from XXXX  XXXX XXXX that I have reached the qualifying 120 payments, that the review time is up to 6 months and anticipated a decision by now.
Complaint sub-issue: Account status incorrect

I have contacted CFPB a number of times.Regarding inaccurate information being reported to all 3 Credit Bureaus ( XXXX, Equifax, XXXX ) .The CFPB is supposed to protect me the consumer.When receiving a complaint from a consumer.The furnisher has to show verification, and validation. To back up there accurate account of disputes. A violation of the FCRA occurs under section 623 ( a ) ( 1 ) if it is shown that a party reported information what was knowingly inaccurate.In any dispute, the furnisher of the information can either verify the accuracy of what they have reported, or correct the inaccuracy should they agree that it is currently inaccurate. To the extent that the CRA considers a response to a dispute to be a date of last activity, that is not a substantive issue, and not a violation of the FCRA.
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/2022, I consumer XXXX XXXX, requested my consumer file from EQUIFAX. EQUIFAX 's representative stated to me EQUIFAX does not send out consumer files, which is a violation of the FCRA.
Complaint sub-issue: Banking errors

On XX/XX/2017, I called U S Bank and ask the representative to look and see when was the 2 bill pay checks was mailed. And ask her to stop payments on the checks.

She did only one stop payment. And now I have paid 2 times to the same merchant.

The 1st presentative that I spoke to today. Told me that I could not file a dispute on checks. I called back and spoke to an other presentative today and she said that, I could. 
The fault is on the bank and the merchant employees. And they are forcing fees and payment on me .I would like the employee 's fried for this mistake. Because we do not no to how many others are con out of fees and a double payment to pay bills.
Complaint sub-issue: Didn't receive enough information to verify debt

I have received numerous calls but zero written communication from LJ Ross about a supposed debt. They have failed to identify their line of business and or the reason for their call. On XX/XX/XXXX, I was notified about a collection attempt added to my credit report for {$220.00}. It has seen been removed from my credit report through the dispute process. I don't have any outstanding debt that I'm aware of currently for {$220.00}. I need LJ Ross to stop calling me. I need all communication in writing and proof that this wasn't debt written off by a previous company sold on a list somewhere. I know most debt in this country is collected illegally outside of the statute of limitations. I am tired of having to hire attorneys to send letters to address fraudulent claims of debt.
Complaint sub-issue: Their investigation did not fix an error on your report

Plaintiffs, XXXX XXXX, files the following action against Respondent ( s ) Equifax Consumer Services, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX et al for violating 15 U.S.C. 1681 e ( b ) for intentionally and knowingly failing to assure maximum possible accuracy of information contained within consumer credit reports. 

FACTUAL BASIS 1. On XX/XX/XXXX XXXX XXXX requested, pursuant to FCRA 611 ( a ) ( 7 ), a description of all methods used to investigate and/or verify the accuracy of the reported information on alleged bankruptcies filed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
2. On XX/XX/XXXX, respondents stated to XXXX XXXX that the reported alleged bankruptcy was certified as accurate and refused to remove said information. 


At issue in the foregoing complaint is the failure and refusal of Respondents to remove unverifiable bankruptcy from consumer credit reports. There exists no possibility or mechanism for a Consumer Reporting Agency to verify any bankruptcy filings in accordance with 15 U.S.C. 1681e ( b ).

All Federal Bankruptcy Courts are restricted from public disclosure of individuals personal identifiers by Federal Court Rule 5.2 ( a ) 1-4. Therefore, not enough information is contained with a court record for a Consumer Reporting Agency to comply with the statutory requirements of the law. 

In XXXX, the Respondents settled a lawsuit brought by all 50 State Attorneys in a lawsuit pertaining to the use of public records from state and local courts. As part of that settlement the Respondents created the National Consumer Assistance Plan, which in relevant part established enhanced standards ( effective XX/XX/XXXX ) requiring that state and local court public records be reported with at least a minimum of personal identifying elements to include name, address, full social security number and a complete date of birth. 

Because no Federal agencies intervened on the behalf of consumers, the Respondents opted to disallow Federal bankruptcies in these enhanced standards and requirements. 

WHERFORE, plaintiff requests that the Consumer Financial protection Bureau find Respondent ( s ) in violation of 15 U.S.C. 1681 e ( b ) and AFCRA 611 ( a ) ( 7 ) and order an immediate halt to the reporting of bankruptcy information on all related consumer credit reports. 

Because Respondents have been fully aware that its actions violated the rights of consumers since at least XXXX, the Plaintiffs request that the CFPB join plaintiff in federal lawsuit..
Complaint sub-issue: Problem with fees

No longer receiving paper from Citicards.com statements as of  XXXX   XXXX , 20017. Consequently we were assessed late fees and a higher interest fees ( 29.9 % ) than we agreed upon.     Customer service ( in the  XXXX    ) telephone discussions were unintelligible and prolonged. Many conversations had to be ended due to inability to understand their spoken words.
Use of multiple verbal labels used by the CITI service rep 's to describe interest fees, late fees and service charges.
Complaint sub-issue: Their investigation did not fix an error on your report

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX XXXX****
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 Bank Account : XXXX First XXXX Bank Account : XXXX XXXX  Bank/Full XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXXa XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Bank Account : XXXX XXXX XXXX section 602 A States I have the right to privacy 15USC 1681 section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items or information. Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years.

15USC 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 I have made previous attempts to resolve this matter
Complaint sub-issue: Problem with customer service

XXXX EST So I called Citi and somebody asks me why I am disputing I attempt to read to them the refund policy of the website and immediately met with hostility by this women who interrupts me and starts talking over me. I told her I am done talking to her and asked her name, she refused to give it to me and kept babbling on some XXXX about how she was trying to help. This is tortious interference, customer service acting like fools and waiting time, making it impossible for me to reasonably launch a dispute.
Complaint sub-issue: Frequent or repeated calls

The collection company Pmab llc. Calls my phone with the number XXXX then calls with XXXX and then calls with XXXX all back to back. All are robot calls which are recordings. I have registered my phone number with the no call registry list back in XX/XX/XXXX. It happened on XX/XX/XXXX and XX/XX/XXXX. I don't own or admit to the debt. With my phone number registered for the no call list. There is a violation of my rights.
Complaint sub-issue: Account opened as a result of fraud

Debit card and checks received in the mail from XXXX XXXX  for XXXX XXXX. I did not order them and never heard of that bank. Called to cancel that account. 

Debit card from Betterment Bank received in the mail for XXXX XXXX. He did not order, or ever hear of such a place. XXXX ( husband ) called to close the account. He was told the account was already closed and the person who opened it was already fired. 

Both occurred AFTER we put a freeze on our accounts. We have filed a police report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX 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: Account information incorrect

The following accounts are incorrect, and they are adversely affecting my livelihood XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with personal statement of dispute

On XXXX XXXX I received documentation that my request to remove my cosigner was denied for " insufficient income for amount of credit requested ''. For a number of reasons I believe this determination is unjust and inappropriate for my current financial situation and the current guidelines in place by XXXX XXXX to remove a cosigner. No where in the application does it state that I must have a certain dollar amount of income yearly to be approved for the cosigner to be removed, even with that being said I make a very decent amount of income for my age and debt- very easily making monthly payments. According the cosigner release form the guidelines to be met are of the following : I must complete the entire application, which I did. I must meet the age requirement of 18, which I have. Provide graduation completion documentation, which I did. Be a US Citizen, which I am and forever will be. Provide proof of income, I provided my recent pay stub along with my W2- with a very reasonable income. Be current on my service loans and with in the past 12 months, which I have been in repayment for over a year now and have never missed a payment. The next is demonstrated a satisfactory payment history for the last 12 months. And finally no student loans in hardship or forbearance, which I have never had. They did state they would run a credit report the support the fact that I will be able to assume full responsibility for repayment of loans and to make sure there are no signs of bankruptcy, open foreclosure, student loan default or delinquencies. So at meeting all these guidelines and applying, I had no concerns of having my application not being accepted. Then when I received the form on XX/XX/XXXX stating my income was unsatisfactory, I strongly disagreed. On XX/XX/XXXX I requested a form from XXXX  to dig further into why I may have not been accepted. The same time I had called and spoke to XXXX XXXX about it and the representative told me that I had no grounds to dispute the subject. I am currently awaiting a response from XXXX  on the grounds that they used my old income to calculate the report versus the W2 I had submitted. I have a decent credit score and steady income, currently I have no assistance from the cosigner on my loans and am making payments in full.
Complaint sub-issue: Problem making or receiving payments

Pnc does not allow XXXX XXXX  to connect to my account anymore
Complaint sub-issue: Reporting company used your report improperly

Pursuant TO 15 USC 1692J XXXX XXXX  IS IN VIOLATION OF MY RIGHTS DUE TO UNLAWFULLY DESIGING AND COMPELING FALSE INFORMATION TO FURNISH ON MY COSUMER REPORT. KNOWING SAID FURNISHING WOULD CREATE A FALSE BELIEF. 
YOU ARE IN VIOLATION OF 15 USC 1692e AS WELL DUE TO THE AMOUNT OF THE ALLEGED DEBT THAT IS FURNISHING ON MY CONSUMER REPORT. 
XXXX XXXX  IS A THIRD-PARTY DEBT COLLECTIOR AND IS IN VIOLATION OF 15 USC 6802 DUE TO HAVING MY INFORMATION WHEN IN FACT XXXX XXXX WAS THE COMAPANY I DID BUSINESS WITH. 
XXXX XXXX  IS ALSON IN VIOLATION OF 15 USC 1692G DUE TO THE FACT THAT I DID NOT GIVE YOU WRITTEN CONSENT TO FURNISH ANYTHING ON MY CONSUMER REPORT. 
NOT ONLY ARE YOU IN VIOLATION BUT YOU ARE ALSO IN RETALIATION DUE TOTHE FACT THAT THERES AN OPEN CASE ON THIS XXXX XXXX AND YOU TURNED AROUND AND REPORTED THIS FALSE ALLEGED DEBT ON MY CONSUMER REPORT I ALSO HAVE PROOF OF THE CASE AGAISNT XXXX XXXX FOR REPOSSESSION AND ALSO BREACH OF CONTRACT AND XXXX XXXX  TURN AROUND AND FURNISH FALSE INFORMATION TO MY REPORT
Complaint sub-issue: Account status incorrect

I XXXX XXXX XXXX two years ago and went to XXXX XXXX XXXX XXXX XXXX. They had me coming back weekly for XXXX. I gave them my XXXX XXXX XXXX XXXX XXXX for my co-pay for each visit. Two months ago, I received a letter from IC System ( acct # XXXX ) Stating my account was in their hands with a balance due of {$340.00}. I immediately put it on my XXXX XXXX XXXX XXXX XXXX I received the attached letter, from their attorneys office, stating the balance was paid in full on XX/XX/2022. I also sent the letter, verifying the account had been paid in full, to them. In reviewing my credit report, it still shows the balance is due. I disputed this with XXXX, however after they verified, since the information had never been updated, there was nothing they could do from their end. Today I spoke with XXXX at IC System, who said my file is confusing and still shows the balance due. I explained the story to her, and stated I had sent the Receipt that the account has been paid in full the end if XXXX ; Yet she stated they had not received that either. she tried to call her supervisor, who is not answering her phone. On the recorded conversation, she stated it should be cleared up by the end of XXXX. I am not waiting two months due to their incompetence. I am a XXXX XXXX and I do not need this additional stress.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm filing a complaint with a auto loan lender named XXXX XXXX XXXX, XXXX and XXXX. Back in XXXX of XXXX, I was granted a discharge from chapter XXXX bankruptcy. A few weeks later, I was approved for a auto loan on XX/XX/XXXX of XXXX. For some odd reason my credit file is reflecting as a closed account and that it was discharged alongside my bankruptcy which is a total XXXX up on XXXX and XXXX. I've called XXXX which is which I owe the debt on and they said they have nothing to do with my fico score being reported to XXXX and XXXX inaccurately. I've already tried filing disputes with both credit bureau but I get the same song and dance that my credit file is reporting accurately. I've included my Equifax credit file which reflects my loan accurately, my bankruptcy discharge paperwork and the actual bill of sale of the car I purchased after I was completely discharged.