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

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
I received A letter From XXXX XXXX XXXX  Account # XXXX. 
Has violated, my rights, I will be submitting the letter with violations codes. 
15 USC 1692 ( B ) ( 2 ) 15 USC1692 ( C ) ( A ) 15 USC 1692 ( D ) ( 2 ) 15 USC 1692 ( G ) ( A ) 15 USC 1692 ( G ) ( A ) 15 USC 1692 ( C ) ( A ) 15 USC 1692 ( D ) 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 status incorrect

This account was never late or past due. This account was paid on time, every time XXXXXXXX XXXX Account Number XXXX Account Type Installment Loan Terms 051 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Late Payment Status Details 30 days past due Status Updated XX/XX/XXXX Balance {$16000.00} Balance Updated - Credit Limit - Past Due Amount {$140.00} High Balance {$19000.00} Monthly Payment {$550.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, CA XXXX Ownership Individual account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Received bad information about your loan

I have tried contacting Mohela multiple times regarding a refund for my loans being paid off by a third party during the time of the CARES act. Ive requested said refund and told it was put into the system but could be be denied, and have had different answers each time I contact them. I havent received any sort of communication and have waited on hold for over an hour each time I call regarding the status of the refund request, which was put in over 30 days ago.
Complaint sub-issue: Report improperly shared by CRC

Equifax LLC. continues to report unverified information on the credit report, in violation of the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) as required byFederal law.
Complaint sub-issue: Public record information inaccurate

We are currently delinquent on our Mortgage and are in Final Stages of Approving a Short Sale. With our financial troubles we went to refinance our auto-vehicle to reduce the interest rate and were advised that our Mortgage  Lender  is reporting Foreclosure Status. This home has never had a Foreclosur e Sale Date (  it should only be reporting as delinquent ) This predatory report of inaccurate information is now hindering efforts.  <P/> Our Bank said they could have refinance with us being delinquent ( which is correct ) but now can not due to it stating it is a Foreclosure. This home has not Foreclosed and has never had a Foreclosure  Sale Date on Calendar.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On  XXXX / XXXX /  XXXX   full payment of  XXXX  was paid to  Fidelity Rewards Visa Signature  a credit card that is manage by  Elan  Financial.     On  XXXX / XXXX /  XXXX   additional  XXXX  was direct debit out of my fidelity checking account.     On  XXXX / XXXX /  XXXX   fidelity and Elan was notified.  Elan  was unable to refund the mistaking direct debit.     Action request to refund consumer money immediately.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I am resubmitting a complaint I made before since I believe I made it a little too complicated before and since then after speaking to attorney 's and doing research I confirmed that my rights were being violated by Discover Financial Services and I didnt point out how. 

I will include the same written documentation that I did before but this time perhaps your agency can see my complaint more clearly. 

This is SO easy to resolve. Discover is claiming that in XXXX of XX/XX/XXXXwhen I applied for a credit card that I VOLUNTARILY signed up for their propietary service Discover Protection Service. I am claiming that I did NOT. 

Due to this misunderstanding my credit score has gone down 100 + points. I am asking them to simply provide me with that original application with my Esignature that shows that did indeed sign up for this. They refuse to. They say its NOT possible. I know that is false and they are violating the Fair Credit Protection Act. 

They basically want me to sue them to get it and thats NOT fair. They know I am up against their attorneys and it will be very expensive to get that info so they figure Ill just settle and pay. Look IF there is a mistake and I did by mistake check off something that signed me up for that than I will have to live with my mistake and work out a settlement with Discover. 

But I have the right to see with my own eyes that application. I have spent 16 months overall dealing with this and countless hours on the phone and writing letters. Why am I getting the run around? With technology now a days there is no excuse and they could have provided proof to me 16 months ago. 

They keep saying '' I have not provided any new information " I am NOT the one that needs to provide new info THEY ARE.. What info do they need? They hold the cards I simply need someone to intervene and mediate this simple as that! 

I am reattaching my letters, I am sure you can sense the frustration I am going through
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX my fianc and I purchased a vacation package at the XXXX in XXXX. Total sales price was {$1800.00}, we made an initial down payment of {$290.00} and were to make 11 payments of {$140.00}. We scheduled our vacation package for XXXX XXXX of XXXX, a 6 night stay at the XXXX XXXX XXXX. When COVID hit we were waiting to hear updates about our vacation package because we knew that XXXX  and much of the world was on lockdown. We never received any messages from XXXX and after being told that the VIP vacation packages department was not accepting any phone calls we sent several emails to them asking for updates and a refund if applicable. We did not and still have not received any response from XXXX, that is when I decided to contact my credit card company to protect me as a consumer. I filed a claim with Discover on XX/XX/XXXX and provided them full details of my situation with XXXX. An investigation was completed and on XX/XX/XXXX and I was informed that my dispute was being denied and all charges would be posted back onto my account. I have attempted to reach out to XXXX and they are still not accepting phone calls, in addition the customer service representatives are not interested in helping me at all. I am filing this complaint against Discover because as their customer, and as a consumer, I have rights and protection which I am being denied. I am being deceived and defrauded by XXXX and my credit card company is not protecting me. I understand COVID19 has had a huge impact on thousands of businesses but the practice of not accepting phone calls and not responding to emails by XXXX is a deceptive practice. I am paying for a product and service for which I have no idea if I will be receiving. XXXX does not respond to my communication attempts and Discover is not helping me navigate through this challenging time.
Complaint sub-issue: Reporting company used your report improperly

I am a natural living person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC 1681, I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

XXXX Account # XXXX
Complaint sub-issue: Can't close your account

I dont use this account and thought it would be closed after 90 days of {$0.00} balance. After Key Bank flat out lied in their previous CFPB response to another issue, I wanted the account closed. The customer service representative said it could not be closed even if it had a {$0.00} balance. I waited 90 days and it is still open. Thankfully, I have many choices when it comes to banking.
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 : XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

15 U.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: Public record information inaccurate

UNDER THE BK CODE, LEXIS NEXUS MUST FURNISH ME ALL JUDGEMENTS, TAX LIENS, ALL PUBLIC RECORDS AND PROPERTY OWED FOR THE PAST 20 YEARS, ALONG WITH ALL CREDIT REPORTING HISTORIES ...
Complaint sub-issue: Debt was paid

AUTOVEST/ XXXX XXXX XXXX FILED A LAWSUIT AGAINST MYSELF XX/XX/XXXX AFTER PURCHASING MY AUTO RE-POSESSION DEBT FROM XXXX XXXX XXXX WHICH I DEFAULTED ON XX/XX/XXXX- SEVEN YEARS AGO. XXXX XXXX AND MYSELF SETTLED THIS DISPUTE AND AS A RESULT, AUTOVEST DISMISSED THE CASE WITH XXXX COUNTY XX/XX/XXXX. NOW AUTOVEST IS TRYING TO PERSUE THIS CLOSED ACCOUNT THAT HAS BEEN SETTLED AGAIN. I HAVE ATTACHED THE LETTER FROM AUTOVEST ATTEMPTING TO PERSUE THIS CLOSED COLLECTION, AS WELL AS THE SIGNED MOTION FOR DISMISSAL OF CASE WITHOUT PREJUDICE AND NOTICE OF LAWSUIT THAT WAS GRANTED DISMISSAL ON XX/XX/XXXX. I NEED AUTOVEST TO QUIT PERSUIT IMMEDIATELY.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Bureau say inquiries are factual and to contact creditors directly yet fail to provide contact info for said creditors
Complaint sub-issue: Information belongs to someone else

Equifax Information Services, LLC is reporting these three items. I have contacted Equifax as I have a right to privacy. The accounts XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. These accounts are fraudulently reporting on my Equifax Consumer Report. At no point did I the consumer, give my expressed written consent for this consumer reporting agency to report these items.
Complaint sub-issue: Other problem getting your report or credit score

I am very concerned because I am unable to pull my Equifax credit report from any of my credit monitoring services. When I spoke to Equifax they assured me that their was nothing preventing the creditors fro pulling my report. I am unable to even pull my annual credit report from Equifax. This is holding me up from getting the financing I need to continue with my goals. I am not sure if its a block or simply a system issue of Equifax side but I have been trying to resolve this for the past couple weeks. 

Thanks In Advance XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX {$370.00} open balance, XX/XX/2019, XXXX XXXX. 

I have no idea who either of these companies are.
Complaint sub-issue: Problem with rewards from credit card

I spoke with Citibank before applying for my AA rewards card. I specifically asked them if I was eligible for the XXXX rewards as I closed a similar account a little over a year ago. I asked them twice directly if I would still get it and they said yes that I would still get the points when I spent XXXX. A month went by and I spent XXXX and now they are telling me that I 'm not eligible for the points due to the previous card within the last 24 months. This is contradictive to what they previously told me on a recorded line twice. This is clearly a bait and switch and I want to see some accountability behind it.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act and XXXX  Accounts : XXXXXXXX XXXX XXXXXXXX XXXX Account : XXXX XXXX. XXXX XXXX Account:XXXX  XXXX. XXXX XXXX XXXX  Account XXXX XXXX XXXX. XXXX Account : XXXX XXXX. XXXX XXXX XXXX XXXX Account:XXXX  XXXX. XXXX XXXX. 
XXXX all of which has violated my rights. 

15 U.S.C. 1681section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish any account without my written consent of instructions as well verify the true and accuracy of the information with consumer.
Complaint sub-issue: Account information incorrect

Equifax is reporting that an item from XXXX XXXX was, acct # XXXX ... XXXX has late payments as recently as XXXX of XXXX. I keep trying to have this problem resolved but on their report they simply will not change it, even though XXXX XXXX verifies this account has been closed since XXXX. This is outrageous, it is damaging my report while I am trying to refinance my home, saying I have a recent missed payment on an account that has been paid and closed for six years. If they do not correct this issue after these repeated warnings, this being the last time, I will have no choice but to file suit under the fair credit act. This is costing me thousands of dollars. I know the people there are aware that I am correct and this is an error. They simply do not want to fix it. This is literal harassment. There is nobody there you can talk to. This is the last time I am doing this before my attorney gets involved.
Complaint sub-issue: Reporting company used your report improperly

Dear CFPB My name is XXXX XXXX and Iam writing you about an entry listed on my credit report which I have tried to have removed. Apparently someone with asimilar name to mine filed bankruptcy in the federal district and with US bankruptcy courts and it appeared on my credit report. Through XXXX, XXXX and equifax systems i filed a dispute stating that someone with asimilar name had filed this public record and it was not mine. Unfortunately it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and the federal district and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a creditreport. I ask that you remove it immediately.
Complaint sub-issue: Account status incorrect

This is in reference to my US Bank account ending in XXXX. 

I had emailed them last year when I had just moved back from California to XXXX DC and was not receiving my statements. I had filled out my Official USPS Change-of-Address form before moving, and most of my other mail was able to be delivered. 

But because nobody had been living at the address I moved to in the past few years ( It's a family owned apartment ) the postal carrier wasn't delivering the mail. I had to go across town to the Postal Center and reclaim the mail. 

So I didn't do anything wrong, and it's not my fault that I wasn't receiving statements. Plus I had to move last minute back to the East coast which is disruptive enough. 

Regardless, I would have paid these on time if I had been receiving my statements. My payment history is excellent otherwise, except for these 2 'late ' payments.
Complaint sub-issue: Attempted to collect wrong amount

Americollect Inc has not had my written consent to publish any of my medical information. They have infringed upon my consumer right to privacy. 15 U.S. Code 1681a ( 3 ) ( a ) ( b ) and 15 U.S. Code 1681a ( 4 )
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I Made A Purchase XX/XX/2022 For XXXX For A Laptop Computer On XXXX And At That Time I Wasn't Aware That It Was A Third Party Selling On XXXX 's Web Site.This Third Party Falsely Advertised This Laptop 's Specification 's So I Opened A Dispute With Discover. I Been A Customer With Discover For 28 Years And Never Been Disrespected Like This Before, I Uploaded All The Necessary Documents Supporting My Reason For The Dispute so They Gave Me a Temporary Credit, Then We Were Waiting For The Third Party To Respond, When The Third Party Responded They Said I Violated Their Return Policy And Discover Completely Ignored The reason For My Dispute And Found It To Be In Their Favor And Said the Transaction Was Valid. I Reopened The Dispute Multiple Times And Each Time I Called Discover And Explained That This Wasn't About A return Policy, I Called At least XXXX Times And Spoke To Multiple Different Supervisors And They Continued To Tell me The Transaction Was Valid, I Was Treated Very Rudely And Was Even Hung Up on A XXXXple Times. Then I Made A couple Complaints About A Couple Of Employees. I Have Uploaded Documents Supporting This Issue. At This Time They Again Are Waiting For Their Response. They Keep Using The Same Reason And Discover Continues To Close The Dispute In Their Favor. When You Look At my Documents Supporting This Dispute You Will See This Is More Than Just False Advertising And That This Was No Mistake
Complaint sub-issue: Information belongs to someone else

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XX/XX/XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Complaint sub-issue: Account information incorrect

I 've been battling with XXXX XXXX Bank since XXXX XXXX, pertaining to a Home Equity Line of Credit. This account was mishandled by XXXX XXXX Bank, subsequently XXXX XXXX Bank agreed they would not attempt to collect any funds for this account and they released any liens against me an my wife pertaining to this account, however XXXX XXXX Bank continued to report a past due balance on my credit reports and my wife 's credit reports for almost XXXX year. My wife and I contacted the Credit Bureaus multiple times to remove the incorrect information. XXXX XXXX removed the incorrect information, however XXXX and Equifax have continued to report incorrect information on our credit reports, this has been extremely stressful, extremely time consuming and has drastically effected both of our credit profiles. XXXX XXXX Bank 's callous disregard for providing accurate information to XXXX  and Equifax is truly egregious and XXXX and Equifax 's unwillingness to correct XXXX remove the false information from our credit reports has been extremely frustrating.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights 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: Received bad information about your loan

I have made several calls and sent XXXX emails over the past XXXX months to get resolve in having my student loan repaid. 
My complaints have not been addressed by the XXXX, despite the promised changes since XX/XX/XXXX that Borrowers will receive prompt redress of forgiveness. 
I have made over 130 qualifying payments to XXXX, all during the time i have been in the full time employment as a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Since late XXXX, i have been qualified to have my federal student loans forgiven. As a loyal XXXX  employee, and as i promised, i have doing my service, cumulative well over 12 years, showed up at XXXX, worked through lunches and late, to provide mental health service to our nations heroes, XXXX XXXX soldiers and their dependents. 
Fedloan service is not keeping the promise under the new administration ; the agency is forcing me to forfeit many months of qualifying service, adding to the total cost of my student debt, creditworthiness and ability to borrow. 
Currently, i show XXXX payments not counted as qualified, even though they are, as i continue my employment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX currently. That means i am 6 months, MY COUNT, ahead of Loan Forgiveness all the while i have participated formally in the PSLF program, and kept my promise. 
I really would like a resolve of this. It is unseemly, it is unfair and indecent that this is not being resolved where it should, at the Lender.
Complaint sub-issue: Attempted to collect wrong amount

I closed an account with XXXX. I debt of {$48.00} is owed to XXXX for two days of service. My account # is XXXX. ERC called me and tried to claim I owed them a total of {$250.00}. They sent me fake bills today with the wrong account number # XXXX XXXX as well with the inflated debt claiming XXXX sent me to their collections service. The problem with this is XXXX, the original creditor, sent me a bill today requesting the same {$48.00} they have requested for over a year. ERC sent false paperwork and added false information to my credit reports. They need to remove themselves and all negative information from my credit reports and they need to cease all communication with me in regards to this fake debt.