Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem using the card to withdraw money from an ATM

I called in on XX/XX/2020 and spoke to several customer service representatives that provided an unsatisfactory experience. I initially called in because I was notified of a conversation survey request from a dialogue on XX/XX/2020. I informed the first representative XXXX, that I did not make a call nor speak with anyone on the XXXX. She mentioned that there was a note on the account from the investigation team. She mentioned that I needed to upload my ID along with a selfie photo, calling the process the selfie verification. I had never heard of this, nor received a notification about this. She mentioned that this process was in the card holders service agreement, I asked where it was, and her responses were aloof. I asked for a supervisor, and she claimed that there werent any supervisors available. 

I called back and spoke with XXXX, I told her that my card was not working, and she mentioned that it was inactivated on XXXX XXXX, 2020. She mentioned that the offline department tried to reach me for verification. She proceeded to inform me about the selfie verification, I asked her if this process was in the card holder service agreement. Her response was that she did not know, and that it probably was. I informed her that I looked for such a process, and it was not there. Her immediate next move was transferring me to the fraud department. Then the call dropped and was never connected to the fraud department. 

I called back and spoke to a third representative, who I requested to make a formal complaint of the intentional vexation regarding my account. The representative, apologized, and asked if she could help. I asked for a copy of the complaint, she assured that she would take care of it. She proceeded to inform me about this Selfie verification process, that was needed by some backend department. I asked, why was it necessary, since I provided all requested documentation through the state. She mentioned that they have separate verification process, and my account was flagged because I changed my mailing address. Suddenly, the call was transferred to a survey line. 

I spoke with a supervisor XXXX XXXX XXXX, and she mentioned that my card was restricted, because it was flagged for fraud because I changed my mailing address. She mentioned that I can upload my ID to verifyusbank.com/ID. I typed in the address, and the page would not load, because it was an invalid IP address. She mentioned that I could fax over a copy of my Social Security Card with ID, so the restriction could be lifted. She hung up the call.
Complaint sub-issue: Their investigation did not fix an error on your report

Once again, this is a formal complaint against the INCONSISTENT & INACCURATE reporting of Fed Loan Servicing of my payment status! Fed Loan continues to report that my accounts " CURRENT payment status '' is LATE on XXXX & XXXX. Fed Loan is also reporting that my account is currently over " 180 days past due '' as remarks on my XXXX & XXXX personal credit reports. On XXXX, the payment status is " TRANSFERRED '' & there are no remarks as to the account being late. They are required by law to report 100 % accurate information but how accurate can the reporting be if there are inconsistencies. Their failure to accurately report my information is hindering me from obtaining financing from my business. I have sent numerous request to have this information corrected and continue to receive a soliloquy that does not address the LATE PAYMENT STATUS REPORTING. This is not disputing the payment history when they were servicing the loan. This is simply disputing the fact that they are reporting the " CURRENT PAYMENT STATUS AS LATE '' How can {$0.00} currently be LATE. It 's {$0.00}. Fed Loan have proved unwilling to correct their mistakes on these closed accounts. I am formerly requesting that this information be forwarded to the Senior President XXXX XXXX of Fed Loan Servicing for a thorough investigations ASAP since Vice President XXXX XXXX is reluctant to properly correct the INCONSISTENCIES & INACCURACIES across XXXX, XXXX & XXXX. The finger pointing has to cease and Fed Loan needs to hold itself accountable for the information they are reporting or i will be taking legal action. I have submitted a complete copy of my 40 plus page credit report where the inconsistencies are clearly outlined. The credit bureaus are claiming that they are only reporting what is provided by Fed Loan and Fed Loan is claiming that they are only reporting what is indicated on my correct report from XXXX. Well ... which one is it? If there is NO PAST DUE AMOUNT REPORTED, how can it be 120 DAYS PAST DUE??? WHAT is 120 days PAST DUE??? XXXX DOLLARS? Once again, this is not in regards to the historical payment history, this is in regards to the " CURRENT payment status '' being reported as LATE on XXXX & XXXX and over 120 days past due.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a XXXX XXXX, XXXX, XXXX all reporting in my report as per 15 USC 1681 These companies had no authority and/or permission to report my personal information. They are violating TILA, CROA, and FDCPA laws. I am requesting that my credit file is updated and removed.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. I know you guys have 30 days to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been well over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me please help me with these negative items on my credit report it has been well over 60 days at this point I demand for these negative items to be removed it has caused me stress and failure to get employment please and thank you
Complaint sub-issue: Account information incorrect

Paid off auto loan account on XXXX XXXX. Balance was adjusted XX/XX/2021 to XXXX  paid. Documents were ordered along with an expedited request to the credit department to update status to all credit reporting agencies. The account had not been updated in three months. Since the start of the loan XXXX never reported accurate balance information. 
I had disputed balance information at least twice over the last two years with all bureaus. 
It was never up to date during the whole time my account was open. 
Also I paid as agreed, never late. 
I have received my paid in full contract last month, XX/XX/2021.
Complaint sub-issue: Keep getting calls about your loan

I had my last course completion on XX/XX/2019. I have already been called repeatedly and have received a notice that I have missed payments totaling {$390.00}. XXXX Loans claims I am delinquent however I have been in in school deferment since XXXX. They have constantly harassed me in the past despite my in school status.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent the following letter to XXXX. My credit score was XXXX, after their investigation my credit score was dropped to XXXX. There have been no changes to my report. 

XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX   XXXX. XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX 2. The following personal information is incorrect Date of XXXX : XXXX 3. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The following personal information is incorrect Name : XXXX XXXX XXXX 5. The following personal information is incorrect Date of Birth : XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this ma
Complaint sub-issue: Talked to a third-party about your debt

MRS Associates has contacted my mother instead of me regarding a debt I allegedly owe, which is in complete violation of the FCRA. I do not owe any semblance of debt and have the call log to prove they contacted my mother.
Complaint sub-issue: Sent card you never applied for

Contacted USbank on XX/XX/XXXX at appx. XXXX was told to contact XXXX  at XXXX. After entering the requested information the automated service stated it was not the correct information. I did NOT request any type of credit card and I do not want another card and I want to know how or where they obtained my information.
Complaint sub-issue: Their investigation did not fix an error on your report

This is in response to LexisNexis 's written response dated XX/XX/XXXX to my previous dispute for Case No. XXXX regarding judgment number XXXX which I just received the updated report dated XX/XX/XXXX showing the items suppressed and removed from my report for LexisNexis 's Case Number XXXX. 

This dispute follow up is specifically regarding the LexisNexis 's letter ( page 3 - 3rd paragraph from the bottom ) where LexisNexis specifically asserts the following " When information is removed or deleted from the  consumer reports provided by LexisNexis pursuant tour FCRA responsibilities our internal nomenclature is to indicate that the records were suppressed because consumers do not necessarily have the right to have the record removed or deleted from non-FCRA reports XXXX as bulk records used by other consumer reporting agencies. The effect of suppression of record from consumer reports is the same as the delete or removal referenced in the FCRA. '' Please note that the Judgment number XXXX that was entered against me ( without my knowledge ) by XXXX XXXX XXXX XXXX XXXX XXXX onXX/XX/XXXXwas set aside by the court on XX/XX/XXXX after I filed a Motion For this to be done since I was an improper party to the suit and subsequently the Plaintiff requested the court to nonsuit the matter onXX/XX/XXXX,  which completely removed and dismissed the suit that was erroneously entered on XX/XX/XXXX and no longer exists. 

Therefore, I am demanding again since this judgment number XXXX and now been dismissed I do have a right for not only this previous judgment not to be just be suppressed but I have the right for the judgment account to be completed deleted and removed from all Consumer databases and non-FCRA reports such as bulk records of LexisNexis and any other agencies that they have reporting this erroneous account/judgment record that has been dismissed by the courts. 

I further request that LexisNexis immediately removes this judgment account from all consumer databases and non-FCRA reports ( databases ) such as bulk records since I do have that right since this matter has been dismissed from the courts as ofXX/XX/XXXX 

I have included a copy of the printout from the court records and website that can easily be verified that the matter has been dismissed and LexisNexis does not have the right to report erroneous information on this account about me in consumer or non-FCRA reports or bulk records. 

Please provide me written confirmation that this account has been removed and deleted from all consumer reports of LexisNexis and non-FCRA ( bulk records ) of LexisNexis since the judgment XXXX has been dismissed onXX/XX/XXXX
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I called into XXXX AND XXXX and XXXX XXXX department to cancel my membership and its been little over a year and they haven't canceled it and the creditors keep saying it locked on there end and i need to contact equifax which i did and they told me there is a credit lock and i told them to remove it and there is a computer glitch on there end and my credit lock is unable to be unlock and i called like 8 times to get this resolved and i never heard back from equifax/XXXX and XXXX  and XXXX XXXX and my credit is still lock
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Back in XXXX of this year 2019, I Have sent a letter to CitiBank regarding a inquiry that was placed on my credit reports and i ask them to please removed the inquiry at once and yet today i received no response back from them.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted XXXX about errors on my XXXX credit report, mainly failure to provide a notice of dispute. Furthermore, they failed to offer an explanation for the issues that were factually-disputed. Instead, they replied that they would not re-investigate. However, failure to provide notice of dispute, which is a violation according to the Fair Credit Reporting Act. XXXX failed to comply.
Complaint sub-issue: Other problem getting your report or credit score

In XXXX, my husband and I filed Chapter XXXX Bankruptcy and it was closed out in XXXX. I believe this is the time when re-affirmation would have started. I am no longer married and trying to refinance my home to remove his name off the loan, being we have been divorced for over 14 years. XXXX, I did a loan modification under my name only and they still never started recording my payment history from there. I tried refinancing with XXXX  XXXX XXXX, and I was denied.
Complaint sub-issue: Information belongs to someone else

Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XX/XX/XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX  reports also i have already made report at XXXX Discover financial ser on XX/XX/XXXX
Complaint sub-issue: Need information about your loan balance or loan terms

On XX/XX/XXXX, I spoke to XXXX ( Customer Service Rep - AES ) in regards to my student loans that were sold to AES in XXXX. According to AES, the promissory note provided from XXXX Bank ( original loan servicer ) does not include the fixed interest rate and loan term for my student loans. As a result, I have been given a variable interest rate of 7.2 % instead of the fixed interest rate of 4.5-5.0 % that I initially agreed to. 

I have requested a copy of the original promissory note from AES and have not received the information. I was instructed to contact XXXX, which is my current loan servicer, as AES sold my student loans to XXXX in XXXX.
Complaint sub-issue: Account status

In XXXX of 2015 I paid in full XXXX student loans I had with XXXX XXXX XXXX. 
On XXXX XXXX, 2015, I received a credit report from Equifax noting these loans were paid in full and no negative information was reported on these account. 
On XXXX XXXX, 2015, I received a noticed that negative information had appeared on my Equifax credit report. The negative information according to Equifax was reported by XXXX XXXX XXXX. 
I contacted XXXX XXXX XXXX who advised they had never reported negative information to Equifax reference my student loans. 
I contacted Equifax via telephone and correspondence reference the information received from XXXX XXXX XXXX and Equifax refused to remove the negative information from my credit report. 
I have included copies of my Equifax credit report from XXXX XXXX and XXXX, along with other various documents which show their negative entries on my XXXX accounts. 
I have also included correspondence from XXXX XXXX XXXX verifying my student loans were never in a late status nor reported as a late status. 
In addition I have also included a copy of all payments made on my XXXX XXXX XXXX loan accounts which also prove I never made a late payment on these account. 
Despite all of this information from the creditor itself, Equifax refuses to remove the false information they placed on my account. 

Any help or assistance with the tactics being used by Equifax is appreciated.
Complaint sub-issue: Was not notified of investigation status or results

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Complaint sub-issue: Information belongs to someone else

Checking my report today I noticed that it was some inaccurate items & accounts on my report I never opened or gave my consent to anyone to do so.
Complaint sub-issue: Their investigation did not fix an error on your report

This is a reply to compliant number XXXX. The reporting agency stated the information was accurate. Equifax sent me documents stating the bankruptcy was verified through XXXX XXXX. My consumer report with XXXX XXXX has a freeze on it, so that can not be how they verified the inaccurate bankruptcy they're reporting. They violate 15 U.S.Code 1681e ( b ) compliance and procedures. Accuracy of report. This inaccurate information needs to be removed. This is my fourth attempt to have them rectify the situation and it's causing me a lot of stress.
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 confidentially under 15 USC 1681. Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Act Name : Affirm, XXXX Act Name : XXXX, XXXX XXXX Name : XXXX, XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 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 of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Frequent or repeated calls

I have received repeated calls from Allied Interstate, XXXX XXXX XXXX XXXX, since 2019.

These are the most current calls I have received : XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; I have registered on the Do Not Call List since 2004. My local phone company is unable to block these unwanted incoming calls. I do not answer these calls, but have been ignoring it. Online research has indicated that this company may be a debt collection agency. 

Although, we have ordinary bills such as a mortgage, monthly credit card payments, utilities, taxes, my spouse and I are not in arrears with any businesses or persons. We have no reason for these harassing phone calls because all our bills are paid on time! 

Please advise how to best stop these harassing phone calls, short of changing our land line phone number. Thank you.
Complaint sub-issue: Information belongs to someone else

Recently reviewed a copy of my credit report and found fraudulent accounts on my credit report.
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. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy .

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity Theft due to a Data Breach. The fraudulent accounts have been identified in a dispute placed with the three major Creit Reporting Agencies via mail sent on XX/XX/2019. The Items I have identified and highlighted from credit reports do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681 : once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - Reporting inquiries without my permission, Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) - You are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. And some false information from my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.