Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

This account XXXX XXXX /formerly known as XXXX XXXX/XXXX XXXX XXXX XXXX account # XXXX was re-inserted on my credit report after being removed as a fraudulent account. Because this account was removed for fraud I was told that it would be permanently blocked from being on my credit report. In the month of XXXX this fraudulent account was re-inserted on my credit file in direct violation of FCRA 611 I have sent in several letters regarding this but I have not received any response so I called on XX/XX/2019 to see what could be done. This account should have never been put back on my file as it is fraudulent and was determined fraudulent and removed for that reason. Now it is back on my file with a new name the account which is named XXXX XXXX was formerly known as XXXX XXXX/XXXX XXXX XXXX XXXX  account # XXXX? XXXX XXXX merged and is now XXXX XXXX .... this Is the same account with a new company name ... .. but again this is the " SAME '' account that was removed for fraud ... this was not there before .... this account is not mine and needs to be removed permanently and not be reinserted again please research the previous deletion of XXXX XXXX/XXXX XXXX XXXX XXXX   account # XXXX so you can determine how to fix this.
Complaint sub-issue: Reporting company used your report improperly

I, the consumer want to file a complaint on Equifax XXXX. XXXX XXXX, XXXX, GA, XXXX. My complaints on Equifax are that they are violating and undermining my consumer rights according to Laws stated by Congress. 

1st Violation. 
I did not give Equifax the permission to furnish any of these accounts listed. The accounts below are being reported on my credit without my consent nor instructions pursuant to 15 USC 1581b ( a ) ( 2 ). That includes factual information, or transaction history. 

2nd Violation 15 USC 1681 ( a ) ( 4 ) my right to privacy is being violated. 

3rd Violation According to 15 USC 1681 ( a ) ( e ) you have to do interviews with my family, associates, neighbors do validate a debt. They did not perform any of the sorts. They told me over a recorded line that they didn't have to follow that law for validating a law. 

Fact, please show good faith in this matter by expediting this process of having Equifax remove the items listed on your their site in order to avoid me receiving further injury, damages, mental anguish, and losses due to Equifax violating my right to privacy and not having my consent for reporting these particular items on my consumer report. 

XXXX  - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX P.S : XXXX  and XXXX  have already removed these accounts that are reporting on my consumer report. Equifax is the only reporting agency that is giving me problems and damaging my livelihood.
Complaint sub-issue: Was not notified of investigation status or results

I debt was removed from my credit report report because I disputed the account. I spoke with the original creditor and their records show my account is at a zero balance. Also offered to open a new account.     Within the same month the same collection was placed back on my credit, with no notice. I could n't believe it.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I spoke on the phone to XXXX XXXX XXXX on XX/XX/17  whom I have my mortgage with, I was told that they could lower my interest rate, and I told them there were a lot of companies telling me the same thing. I agreed that they could pull my credit, but never saw them on my credit report, but did see XXXX/ Credco on all three of my credit files. I did not authorize XXXX/Credco to pull my credit, when I contacted them they told me that they were a third party and they had a software that other companies used. XXXX did not mention anything about this,. XXXX should have informed me that they were using another company, if this is what they did, but XXXX nor Credco/XXXX have anything in writing from me given them authorization to pull my credit. XXXX /Credco refuse to remove this inquiry.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

I have reasonable cause to believe I have been extorted! I have been abused and deceived by " Attorneys '' at XXXX XXXX XXXX, XXXX. in XXXX XXXX, Texas, including but not limited to, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, & XXXX XXXX, are violating my rights and federal law under the FDCPA, XXXX, & XXXX, all while never showing proof of authority to be legally " representing '' DISCOVER BANK. They filed a lawsuit against me in the County Civil Court at Law No. 1 in XXXX XXXX, XXXX, Texas, for a " breach of contract '' without providing a legally binding contract. They obtained my nonpublic personal information without lawful authority and have used it to bring harm to me and my financial reputation. I have never entered a contract with these people. I DID NOT AND DO NOT CONSENT to them possessing, using, or transferring my nonpublic personal information. They, along with DISCOVER BANK, DISCOVER FINANCIAL SERVICES, etc. violated a cease-and-desist notice delivered on XX/XX/XXXX, via certified mailing number XXXX received with signature, by continuing to proceed in obtaining a default judgement against my strawman, without lawfully validating the alleged debt. 

Violations committed by XXXX XXXX XXXX, XXXX. are as follows but not limited to : 15 USC 1 15 USC 1692d 15 USC 1692e ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692e ( 4 ) 15 USC 1692e ( 5 ) 15 USC 1692 ( 7 ) 15 USC 1692 ( 9 ) 15 USC 1692e ( 13 ) 15 USC 1692f ( 6 ) 15 USC 1692i ( b ) 15 USC 1692j 18 USC 1028A 18 USC 241 42 USC 1983 Let the record show, I, private consumer in fact, REJECT, XXXX XXXX XXXX, XXXX. 's offer to contract. 

Let the record show I DID NOT AND DO NOT CONSENT to XXXX XXXX XXXX, XXXX. or any and all individuals acting under, affiliated with, or doing business with, to possess, use, or transfer ANY of my nonpublic personal information including my name, location information, telephone number, or any details regarding my experiences with financial institutions, for ANY purpose or reason, especially for unjust enrichment.
Complaint sub-issue: Problem with fees

I noticed by logging onto the Citibank Home Depot website today that my balance had gone up substantially. I had not noticed that back in the XXXX statement that they had added {$420.00} in deferred interest fees on a 2 year no interest special. My total amount was under {$900.00} of purchases with Home Depot, and I had been making regular monthly payments of {$28.00} per month. I did not realize that the special was ending in XXXX this year because I was too preocccupied with having been let go from my job in XXXX ( terminated )  and have been trying to deal with finding another job. I didnt pay attention to the credit balance on this card, but I would have paid off the card if n XXXX which only had about {$180.00} left had I realized back then. I called Citibank-HomeDepot credit agency today, and just got off the phone with a manager who said that they had 20 days from the interest charge that they could have done something. I asked is there any other way to escalate this dispute and come to a resolution and he did not offer any solution. I am now contacting the CFPB for help on this matter to see if CFPB can persuade for a resolution which would be preferably that I pay of the full principle amount as of XXXX with no interest fees, since it was obvious to anyone with a brain that I would not have done a 2  year no interest special just to have to pay $ 400+ in interest!
Complaint sub-issue: Debt is not yours

The company has 2 debts from me and they don't belong to me.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX-XXXXXXXXXXXXXX Balance : {$390.00} XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Don't agree with fees charged

Because I still have debt remaining on my student loan, The Treasury Department is currently deducting money from my retirement SSA monthly payment. Last month, the amount they took out was about {$120.00}. My SSA monthly payment rose about {$20.00} more a month. Yet, the Treasury Department told me that they are now taking out {$170.00} a month. That is {$50.00} more a month than last year, yet my SSA payment in total only increased {$20.00} more a month than last year. What accounts for the large increase in the deducted amount? What is the formula? This is hard on me as I ca n't pay for my health insurance and my mortgage with my SSA payment now.
Complaint sub-issue: Their investigation did not fix an error on your report

I requested my credit report from Equifax and Experian around XXXX XXXX, XXXX. In the reports from Equifax and Experian, I found several mistakes : 1, In both, there are two XXXX credit cards but only one is actually mine. 
2, In Experian, there are two reported names but I only use one name. 
3, In both, there are several addresses that I have never lived in. 
4, In Experian, there is also a phone number that I never heard of. 
The firs issue terrifies me. I called XXXX XXXX XXXX and they confirmed that there is only one card associated with my social and name. Somewhat relieved, I filed two disputes with Equifax and XXXX in hope that they can figure out this mistake. I was pretty sure this is due to mistakes of Equifax and XXXX  because that credit card did not even appear in my XXXX credit report! 

However, when I received the dispute results on XXXX XXXX, XXXX, I was shocked. Both companies told me that they thought the report was accurate and the XXXX credit card that is not mine will remain in my credit report. 

So I called XXXX XXXX XXXX again yesterday ( XXXX XXXX ) and they ( very helpful and friendly ) confirmed that I only have one credit card with them and I am not a co-signer/co-borrower/guarantor for any other accounts. However, they can not take further steps to investigate this issue because I can not provide them the full account number of that suspicious credit card. I could only see the partial account number, not full account number in my report. Unless experian/equifax provided me the full account number of that suspicious credit card, XXXX can not do anything at that point. 

Thus, I called Experian today to ask for : 1, Full account number of that suspicious XXXX credit card. 
2, If that 's not possible, I want to have more information about the reinvestigation on how they conclude that credit card, which is clearly not mine, should remain in my credit report. 
But the customer service was not helpful at all. He first said he can not provide me the full account number. Then when I asked him to explain the reinvestigation process, he became super rude and avoided answering my question at all. Instead, he kept telling me I need to contact XXXX to solve the problem, not XXXX. When I asked him what is his name and employee ID, he hung up my call without a clue. 

Therefore, the current situation is a deadlock to me because XXXX/Equifax would not fix the obvious identity theft problem in my credit report and XXXX will not be able to help me unless I provided them with full account number which I can not get from XXXX/Equifax.
Complaint sub-issue: Account information incorrect

In XXXX I changed the date of payment with their authorization and they reported I was late. 
In XXXX during the pandemic, they offered me the COVID Relief program and stated that I don't need to worry about payment during this period. They also stated, they will report to the Credit bureau during this time. After the period I made the payment and after a few months paid my loan was completed and paid in full. 
A few months after I paid my loan in full, they reported to the credit bureau that I was late during the pandemic. 
I tried multiples time to talk to them. Also, I disputed this issue with the credit bureaus several times, but still the same result. They still reporting I was late. 
XXXX XXXX - account # XXXX
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID OUT OF MY PURSE AND OPEN SEVERAL FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Their investigation did not fix an error on your report

the following accounts have been disputed on these dates for these reasons : XXXX19,XXXX19,XXXX19 Incorrect balance, the date reported, and the account type is inaccurate. 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 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX XXXX XXXX XXXX XXXX # XXXX
Complaint sub-issue: Account status incorrect

I have called LoanCare 6 times over the past XXXX weeks - XXXX XXXX to XXXX XXXX. They are reporting a delinquent loan that was XXXX days late. Unfortunately this error was report to all 3 credit agencies and it lowered my credit score. I am now having problems refinancing my home, because my credit score has  been impacted because of this error. My loan is not in default and I have never been late on a payment ; however, LoanCare is reporting it as 60 days late. I spoke to upper level management at LoanCare and filed a claim with a ticket number. They have not done anything to remedy the situation.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX, USCB AMERICA ( Original Creditor : XXXX XXXX XXXX ), and ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, USCB AMERICA ( Original Creditor : XXXX XXXX XXXX ), and ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Don't agree with the fees charged

I took out a student loan in 2004 about {$26000.00}. I have been making payments over 20 years and they say I still owe XXXX. I disagree as I have been making monthly payments of {$190.00}. Every time I call and try to find out what is going on I get the run around. I need my password which I do n't remember. To set up a new they have security questions which I do n't remember the answers to. I have all the info to identify myself but they say no they will not speak with me.
Complaint sub-issue: Account status incorrect

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

I am lodging a formal complaint against ra rogers Inc collections. This debt collector has been reporting derogatory information on my three credit reports for a debt in the amount of {$13000.00} from XXXX XXXX XXXX XXXX. I have never been associated with this credit Union in my life. I have lived in XXXX XXXX NJ my whole life. I have never received anything in the mail from this company advising me of this balance. Which is a violation of the FDcpa. Debt collectors must send a notice to consumers which gives the consumer 30 days to dispute validity. I've never received anything from them. No mail, no phone calls,. Nothing. I am in the process of purchasing my very first home for my family and I ... and this derogatory account is holding me back from reaching our goals. I'm requesting immediate deletion of this account from my credit reports. XXXX, and attorney general complaints will be filed if this account isn't deleted.
Complaint sub-issue: Problem with rewards from credit card

I opened a new XXXX XXXX card about 10 days ago. I haven't even used the card yet. When I applied on the Citi site the offer was XXXX points after spending {$2500.00}. Now a few days later the offer updated to XXXX points after spending {$3500.00} in 4 months. I been with Citi for well over 20 years on other accounts. I called to have the new offer honored but was told they are unsure if anything can do. I'm writing to try to have this new offer honored on my account since it was only a week before I opened it.
Complaint sub-issue: Was not notified of investigation status or results

Hi, my name is XXXX XXXX. Its been over XXXX  months since I sent a letter to yall about severals on my report. I have been waiting for your response since I sent my dispute letter on XX/XX/2022, but it seems my letter has been ignored I am not sure if it has something to do with my race, but I was told by a financial expert that I can file a complaint on several agencies should you continue to ignore my letters. I'll be waiting for XXXX  days from now to see if there will be any changes and will take my next step after that. Thank you!
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom it may concern ; Good day, I have an issue with your Organization constantly placing inaccurate information on my Consumer Report. I Found out about the latest inaccuracy TODAY XX/XX/2022. Due to this inaccuracy, my right to extend credit has been damaged to a great EXTENT! As a result, I was discriminated against and refused the A HOME LOAN! 
According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

This organization has officially been put on NOTICE! Im letting you know that I never gave consent to this report being furnished by you on my behalf and Im also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected!

There is no such law written anywhere that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable.

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Your organization neither exercised any of its responsibilities with fairness and impartiality nor PROTECTED MY RIGHT TO PRIVACY! 

I DEMAND you give me a piece of evidence that the information which is being reported has been properly investigated. Also provide me with the details of the system adopted by your organization to determine whether the transaction took place or not. 


letter attached has been Sent in the mail as well
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I checked my credit report on XX/XX/22 and it says I have two accounts which is wrong sense I have only one card. Then it also says that there is a revolving credit which is not right with a balance of {$35.00} and a credit limit of {$1000.00}. I have never seen or recognized this at all. I think something is not right here. I only have one credit card and two debit cards
Complaint sub-issue: Information belongs to someone else

There is a XXXX account reporting on XXXX and Equifax that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly with XXXX, XXXX, and Equifax and they have failed to remove it from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I wrote in to CFPB on XX/XX/2020 about a issue on my Equifax credit report. I told this company that I had a debt that was reinserted or never removed even though the updated report stated that it was removed. Equifax wrote back to CFPB on XXXX XXXX saying that they mailed me a update but nothing was updated. As of today this debt is still appearing on my report and if an item as erased and is reinserted afterwards, the FCRA requires that the CRA send you written notice of the reinsertion within 5 days. When you receive the notice, you will have to go through the same process to contest the mark as you did the first time. When you contest the reinsertion, you may want to include paperwork showing that the mark was previously contested, and removed. I did not receive any kind of notice from Equifax about this reinsertion. Negative mark is confirmed, I did not get no response, They have violated the FCRA. Neither the creditor nor the CRA can argue that they incorrectly deleted the item the first time, or that the mark was removed in error ; if it was removed pursuant to your prior letter informing the CRA that the mark is inaccurate, it can not be reinserted for any reason.