Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Frequent or repeated calls

I took my son into the ER in XXXX XXXX. Considering I have shared custody, my son 's father elects to cover medical and provide insurance. My son was under my care, so I was the one who took him in. I presented the Insurance ID card from my son 's father. Later I was notified that the insurance was not valid and have been stuck with the medical bill. Unfortunately, it 's under my name. I am currently contesting this bill in court to have it paid. Bay Area Credit XXXX calls and threatens me with " escalating '' the debt because I am refusing to pay the debt that does not belong to me. XXXX XXXX told me that I needed to pay the balance and if it were him " as the child father, I would n't feel the need to pay it either. '' He told me that I need to pay the balance and then go after my sons father civilly. I can not afford to pay this bill upfront. Had insurance been active, this would n't be my fault to begin with. XXXX XXXX is harassing me and telling me that I am negligent. He refused to send me written documentation of the bill to my updated address. He is using scare tactics and telling me he " will not be able to help me later. '' I can not get this person to send me the bill and allow me to present it to my attorney.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act XXXX XXXX  account # xxxxxx XXXX has violated my rights. 

15 USC 1681 section 602 ( A ), states I have a Right to Privacy 15 USC 1681 Section 604 ( B ) section ( 2 ), also states a consumer reporting agency can not furnish a consumer report without my written instructions.

I reserve all Rights to privacy and have not given written instructions to furnish the reporting of this account.
Complaint sub-issue: Information is not mine

There are XXXX unkown social security numbers on my credit report that I do not recognize. There are also a alarming number of accounts that I did n't open.
Complaint sub-issue: Received bad information about your loan

The Problem is with the Department of Education and the poorly ran Public Loan Forgiveness program. The Waiver states " all payments, partial, late, zero and wrong plan '' now count. However, if the status state XXXX on the student aid site any payments made during that time does not count. 

People can consolidate new loans with old loans and be forgiven. Yet, forbearance periods can not count? 

Forbearance periods needs to be added to the waiver. Borrowers were always steered into Forbearance. Forbearance periods from XXXX needs to count as payment if the borrower certifies 120 months of employment. 

The language on the waiver is confusing and Fed Loan is not applying the language correctly. Every phone call results in different information.
Complaint sub-issue: Information belongs to someone else

I was informed by banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX  XXXX {$9700.00} CHAPTER XXXX BANKRUPTCY DISCHARGED CHAPTERS XXXX BANKRUPTCY DISHCARGED CHAPTER XXXX BANKRUPTCY FILED
Complaint sub-issue: Public record

I have disputed a tax lien that has been released with all XXXX credit bureau and disputed them through credit karma ( tried to dispute through XXXX, but they are impossible to navigate disputes ) ... I also had disputed XXXX that was satisfied and removed, but still showing on my report..
Complaint sub-issue: Debt was paid

XXXX  company -Procollect XXXX XXXX XXXX XXXX My account was never supposed to go to collections. I was on a 90 day payment plan after I moved out of my apartment XXXX XXXX. I made my first payment of {$100.00} on XX/XX/XXXX. I made my final payment of {$400.00} on XX/XX/2022. My total balance due was {$500.00} This error has affected me renting an apartment due to fact of it being on my credit report. Ive submitted paperwork to ProCollect and Ive spoken to XXXX XXXXXXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I previously submitted 2 request to have a collection account that was reported on my credit on XX/XX/2021 from a company named XXXX XXXX XXXX to be investigated since I am a XXXX servicemember with full insurance. The Credit Bureaus, XXXX  and XXXX claimed to have verified the debt, so I followed up with a request for verification from them and the Company which reported the Debt. The company XXXX XXXX has not sent me verification requested and it is pass 30 business days. Nor, has the credit bureau given the requested information. I have a rights under FCRA to see the information that is being reported and verify the documents are in fact mines and error free. I have submitted them verification that I should not have a medical debt when I have full insurance that pays 100 percent of medical expenses. I have requested this be removed from my credit file as the insurance and medical provider must settle any debts as a part of my coverage. This further hurting my credit file and inaccurate representation of me as a consumer. I have requested twice that my file be update. Equifax is reporting a medical debt similar with no information provided to counter the account. This is poor work ethic on behalf of the credit bureaus and costing more financial strain to have to resubmit verification of accounts that have already been provided the proof necessary that they are inaccurate. Instead, they are updating the accounts and not speaking to the consumer or providing their methods of verification.
Complaint sub-issue: Public record

I received a letter from Innovis Consumer Assistance stating that they received a report in the last 12 months that has added negative information to my file or that contains 8 or more credit inquiries. 

I have n't had any new credit checks and I monitor my credit score regularly. Their letter also states I can obtain a copy of my consumer file. I do n't want to give this unknown, seemingly untrustworthy agency my private information based on a false claim about my credit report. I believe they are phishing and so do a ton of other people who have received similar letters.
Complaint sub-issue: Investigation took more than 30 days

Request credit reporting agencies to verify/validate items by disclosure of documents and method for accounts being placed to my credit - according to 611 ( a ) ( 7 ), 609 ( a ) ( 1 ) ( A ) & 611a ( 1 ) ( A ). These steps are required by them to ensure it is correct prior to placement to my file or delete the unverified accounts after 30 days of investigation per 611 ( a ) ( 5 ) ( A ), ( first letter dated XX/XX/18, 2nd letter sent XX/XX/18 ). Response ( s ) have been no response, updated, meet FCRA, and account closed, but still remain on my file without any documentation being provided as to the validation of any of the accounts being there. I have been requested by the CRA to provide information to them, ( assuming to verify/validate ) under 1681 ( a ) ( 3 ) it is the vital responsibility of the CRA to ensure the information is correct by the providing source, as they have attempted to place it back on me. One has stated it requires an extension after the initial request date was XX/XX/18, the extension date is until XX/XX/2018, which is longer than the 15 day permitted timeline, I received this update notice XX/XX/2018. No addition information was provided by me during the initial 30 days ( XX/XX/18 - XX/XX/18 ) to warrant an extension according to 611- ( a ) ( 1 ) ( B and C ) this is required, another violation.

I have response documentation, the certified dated documented delivery receipt ( s ) and copies of letter ( s ) mailed, I am unable to upload, but can supply them upon request by fax, or mail.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2022 I went to a place called XXXX XXXX XXXX where I used my Discover card to purchase a procedure called XXXXXXXX XXXX XXXX XXXX. I went to see my doctors to make sure that this procedure would be appropriate for my age and physical well being. At the advise of my doctors due to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have explained this to the Discover Card XXXX and to XXXX XXXX only to be told they would not return the {$1000.00} I placed on my XXXX  for this procedure. I have been disputing this for almost a year now and have given them proof of all that will XXXX XXXX XXXX XXXX XXXX XXXX 

I have been patient in this dispute and have paid Discover Card for this horrible experience. I need them to return {$1000.00} back to my Discover card and assume that the procedure was never done and due to medical reason the item in question has been a terrible misfortune and through the XXXX XXXX could not be done as it would be a violation of my rights and privacy.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX  XXXX Balance : {$11000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Problem accessing account

I opened a Coinbase account and purchased several cryptocurrencies. When I sign on to my account I can get no details about the assets I hold. I have tried contacting them but get no response. They give you the run around when trying to request on line help and unilaterally close any case you open with them before your problem is solved. I am unable to get access to my assets held with them. They currently hold approx. {$6000.00} to {$9000.00} of my assets. I was trying to sell some assets but they have since gone down in value and have been losing money as a result of them not giving me access to my account. XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, DE XXXX By Mail Only their customer service would not help and take care of the negative inquiries reporting to your credit report
Complaint sub-issue: Account status incorrect

These accounts are closed, they also are showing incorrect dates, and dates are not consistent.
Complaint sub-issue: Account status

XXXX Mortgage is reporting account open with a balance of {$33000.00}. This account should be reported as closed and XXXX Balance. It was included in my Chapter # XXXX bankruptcy discharge on XXXX XXXX, 2015.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be corrected and deleted. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these items ( A ). I hope these disputed items will be repaired 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 XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status

I discovered a Georgia State Lien on my credit report XX/XX/XXXX. I called the court in XXXX County and was told it was paid. I informed the credit bureau that the date of payment of my credit report states XXXX XXXX instead of a payment date of XXXX XXXX XXXX. It was not corrected. It is 7 years on XXXX XXXX, XXXX since being paid and I would like it removed from my credit report.
Complaint sub-issue: Talked to a third-party about your debt

I'm XX/XX/XXXX an employee of XXXX XXXX XXXX called and text co -workers (more than one) of mine inquiring information about my husband and I for the personal gain of reposessing the car (a car loan currently being serviced by XXXX).  We fell on hard times with one income like many consumers and we were trying to work arrangements with XXXX XXXX   XXXX but that does NOT give the right for any employee of a Collection Company /XXXX to allow employees to contact un-authorized 3rd parties for gain. The Collector at XXXX XXXX XXXX disclosed how far past due our account was, disclosed it was out for Repo and she was actively looking for it to reposess it because "that's what I do now Repo Only" . She discussed a private conversation my husband had with a Supervisor at XXXX when he called to make a compalint aboutbthe matter that occured on XX/XX/XXXX. This Collector was bosting as if she was proud. As if tbis was "normal repo practice for Collectors at XXXX ".  She asked where I worked, if my Car was parked outside (referring to.my place of employment),  she asked what my husband and I drive. We immediately advised XXXX of this as soon as it occurred on XX/XX/XXXX. They have not offered anything to help us with the humiliation, pain and suffering this has caused our entire family.  Instead we were told by there legal.counsel that our account WILL go back on the dialer as of XX/XX/XXXX. This is unfair and against our rights as consumers.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX EQUIFAX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX/ XXXX account # XXXX ...., XXXX XXXX XXXX XXXX XXXX account XXXX XXXX ... XXXX account # 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: Reporting company used your report improperly

The Credit bureaus stated my account was properly investigation but how is that possible if the open dates are inaccurate, the date last active is inaccurate, there showing late payment that wasn't late and date last reported is not accurate this ground for removal they also violated my rights under 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 account without my written instructions 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose...
Complaint sub-issue: Information is not mine

Wanted to see if a dispute was resolved but when trying to check submitted my information but the security questions come up they do n't pertain to me example car loan, mortgage loan I had placed a security freeze on my credit in XXXX but these loans are for XXXX XXXX and XXXX should not be. Never heard of any of these companies shown so was unable to dispute information since these questions asked are the only way to file a dispute and according to Equifax my answers do not match what they have on file for me. The credit report sent to me in XXXX does not mention any mortgage or car loans in my name. How can I dispute information if the information does not match. How can this still be happening with a credit freeze that has been in place for 9 years now.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I had notified the credit bureaus of this unauthorized inquiry on my report. I never gave the consumer reporting agencies consent to give this debt collector my information. This is violating my rights.
Complaint sub-issue: Their investigation did not fix an error on your report

Old Case # XXXX No one can validate this XXXX XXXX account - no signatures, no ID 's, not tracking numbers, no. They are supposed to keep these on file, but instead the only sent me unsigned receipts for purchases in the state of Florida. That is not validation! They are also reporting the account late and with a balance. How can this be legal.
Complaint sub-issue: Their investigation did not fix an error on your report

Previously I have stated that I am as a consumer has been abused by a company called XXXX XXXX XXXX. The alleged charge off account on my credit report ( XXXX XXXX/XXXX ) is ruining my reputation and cause me to stress and lose my job. I request Equifax to remove it off my credit report but all they did was sending me back a statement of this account. Equifax is not helping me removing this alleged charge off account, they are not solving my issue when the creditor is violating under the FCRA laws.
Complaint sub-issue: Investigation took more than 30 days

I reviewed a current copy of my credit report and show that inaccurate information is listed on my credit report. I dispute account and have not received and disputes results. This creditor XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) is showing on my credit report as a charge off and open dates and showing an open balance on a charged off account. Per FCRA and/or FDCPA law no credit report is to list an open balance it must show a balance of {$0.00}. below is creditor information. 

creditor : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Active balance showing on a charge of account : {$130.00}
Complaint sub-issue: Funds not handled or disbursed as instructed

Citibank was offering a promotion of {$300.00} cash to customers who opened a new bank account with a deposit of {$100000.00} for 60 days. I took them up on the offer, and after 60 days, I asked them where is my {$300.00}. A Citibank representative replied that I had to give them 90 days for the cash to appear in my account. On XX/XX/2021 which was 90 days later, I still did not receive the cash that was promised so I called again, and a representative said that she looked into it and would put in a request to expedite my payment. The next day still nothing happened, so I called in again, and a representative said I would get my {$300.00} no later than the following Monday XX/XX/XXXX. Well the following Monday came and went and still no payment. I called again Monday evening but couldnt reach anyone. Then I called again Tuesday, and a representative put me on hold, but then the call was dropped. I had to call back again three more times on Tuesday before I could get someone on the line to investigate my case. Finally a representative said that the funds would be released. I was furious that I had to call and waste so much time and effort to get money that should have been automatically paid to me. I told her that she should offer me compensation for my trouble. She asked me what would I want. I said I wanted the equivalent of a free airline ticket which I thought would be letting them get off lightly since many other banks have offered as much as {$3500.00} in their promotions to get new private client customers. She called me back and said she could offer me {$30.00}. I was absolutely furious when I heard that. She then transferred the call to her boss who was resistant to offering anything at all. I have never been so insulted and XXXX off in my whole life dealing with customer service. The next day they left me a message saying they put {$100.00} in my account as an apology. I still dont think {$100.00} does justice to this wrong. This whole episode proves to me that Citibank lies to its customers. They promise one thing, but unless one is willing to chase down the funds promised, they will renege on the promise. I have no doubt that if I didnt call persistently, I would have never received the {$300.00} owed me for parking my funds there.
Complaint sub-issue: Reporting company used your report improperly

Equifax has committed several federal violations against me, a Private law abiding Federally Protected Consumer and are liable under Federal Law. I have been denied Consumer credit transaction due to false and harming information being furnished on my consumer report. My information was also obtained in an Equifax data breach which resulted in identity theft. I have sent my enforcement action, affidavit of truth, identity theft report, and exhibits on how the law was violated.I have also been harassed by debt collectors attempting to collect a alleged debt.

Equifax has engaged in unfair and deceptive practices in violation of the Consumer Financial Protection Act of 2010 by Engaging in acts and practices that caused additional harm or risk of harm to consumers in response to the breach. Equifax has also Failed to provide reasonable security for the massive quantities of sensitive personal information stored within its computer network, causing substantial injury to my data which was stolen.
Complaint sub-issue: Didn't receive notice of right to dispute

I file a complaint earlier against this company and they responded that I have file five compliants againt their company about this collection. I was unaware that their was a medical collection on my credit report until I applied for a car loan and was told that a medical collection was place on my credit report, that was XX/XX/2018. I was never notify by the hospital or a collection agency that I have a medical collection. I learned about this collection from the creditor whom I applied for a car loan. That when I disputed this collection not five times that the collection agency is claiming which is false. I receive a recent collection notice from them for first time about this debt. l am submitting a copy of the collection letter that was sent along with the hospital payment history.
Complaint sub-issue: Their investigation did not fix an error on your report

I keep sending numerous sets of letters to Equifax so the excuse of we didn't get it '' doesn't happen but then nothing happened. It seems that they tend to ignore the trend and let this misleading account affect my credit score. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the account : XXXX XXXX XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

I am currently in a Debt Relief Program. XXXX XXXX called my place of employment @ XXXXest, XX/XX/XXXX. Asking the receptionist to speak with my husband or myself. 
Then again, another phone call on XX/XX/XXXX @ XXXXest. They have my cell phone number but are attempting to reach my at work.