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

My Court ordered Bankruptcy was not protected. Discharged accounts were sabotaged taken and sold by bankruptcy debt buyers. The suspects go by the name of XXXX XXXX. XXXX XXXX  XXXX XXXX, NJ XXXX also known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX This company is mysteriously listed in my bankruptcy. Chapter XXXX discharges all debt however the company is listed in a XXXX after that. And I never owed that company anything. The company is a bankruptcy debt buying company with the main interest in chapter XXXX and XXXX debt only. ( if proper authorities investigate they will discover the same truth ) I have become a victim of a very serious crime of unlawful and unfair credit reporting with my rights being taken away by not being able to utilize the full benefits of a court ordered bankruptcy. My entire credit report has been sabotaged, scores intentionally kept low and as a result trying to rebuild has become virtually impossible. 

I know this can not be fixed, when reporting agencies intentionally report mistakes and have to fix them they almost never ever compensate the score and what was lost so I know the scores will forever be damaged. 

I am requesting the Chapter XXXX and chapter XXXX bankruptcies be removed from my reports completely. None of those discharged debts should have been left on the report for this to happen. My son just filed a chapter XXXX bankruptcy, no crime has been committed, the suspect bankruptcy debt buyer 's name is not listed in his case and all his debt has been properly removed from all three credit reporting bureaus! His bankruptcy debt has not been bought and sold. No worries of discharged accounts actively showing or inaccurately reporting. Discharged debts are a court order it is a violation to continue to report and furnish such debt as charged off, collections, lates and derogatory like you clearly see on mine. The courts ordered them discharged not derogatory ...... I will see that justice is served and I am compensated for all the damages. I have a whole stack of credit denial letters listing I have charge offs, accounts with high and unpaid balances, collections and derogatory accounts. While my credit reports furnished from XXXX, Equifax and XXXX XXXX state otherwise. The reports were altered for what they wanted me to see. all positive reporting!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act convergent accounts ; XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, and Child Support Enforcement # XXXX have 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 states : Consumer Reporting Agency can not furnish an account without my written instruction. I need these accounts to be removed from my credit report.
Complaint sub-issue: Information belongs to someone else

This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately
Complaint sub-issue: Attempted to collect wrong amount

The amount on mu credit report does not match what is owed. I was told that it does n't matter if it 's accurate and to " just pay my bills ''
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted an online dispute to have a paid and closed account removed from my credit report. Instead, Equifax reporting the account as recently paid upon as though it was closed recently when it was closed in 2014. The began reporting all of the payment history again and as a result my credit score dropped 20 pts.
Complaint sub-issue: Public record

On XXXX2016 i have submitted a dispute to Equifax Information XXXX about a Judgement that has been reporting on my Equifax Consumer Report in the name of XXXX XXXX Special Civil Part Plaintiff ( XXXX XXXX XXXX ). In support of my dispute i have provided Equifax a copy of my Police Report and Identity theft Affidavit signed and Notarized. 
Equifax continues to report the fraudulent account that does not belong to me and should not be reporting on my consumer report.
Complaint sub-issue: Reporting company used your report improperly

n 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 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 instruction.
Complaint sub-issue: Talked to a third-party about your debt

This Company has been notified with numerous letters and has failed to validate the debt related to identity theft. My accounts have not been investigated thoroughly, I have not received the requested documentation that shows any contracts, and validation. 

This has damaged my reputation and the company has failed to respond to my dispute letter that included an identity theft affidavit along with the requested identity proof documents. 

SEE CERTIFIED MAIL TRACKING NUMBER XXXX SENT TO XXXX VIA XXXX CERITIFED MAIL XXXX SENT TO XXXX VIA XXXX XXXX MAIL XXXX SENT TO EQUIFAX VIA XXXX XXXX MAIL 15 U.S. Code sS 1681n- Civil liability for willful noncompliance ( a ) In General Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) Such amount of punitive damages as the court may allow ; and ( 3 ) In the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 


I have attached all the relevant documents pursuant the above section of the law. I demand all the above fraudulent accounts in the attached dispute/identity theft letter be DELETED immediately within XXXX days of being notified of the identity theft.
Complaint sub-issue: Was not notified of investigation status or results

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/2021, exercising my rights under FCRA 611 ( a ) ( 15 U.S.C.1681i ) I challenged the accuracy, compliance and report-ability of these accounts below 1. XXXX XXXX : Account number : XXXX, How did you verify this account. 

2. XXXX XXXX XXXX : Account number : XXXX, How did you verify this account. 

3. XXXX XXXX XXXX : Account number : XXXX, How did you verify this account. 

4. XXXX XXXX XXXX : Account number : XXXX, How did you verify this account. 

5. XXXX : Account number : XXXX, How did you verify this account. 

6. XXXX XXXX XXXX : Account number : XXXX, Please remove this account from my credit report. This account is showing several late payments, and I am for certain that I was not late during these months. 

7. XXXX  XXXX : Account number : XXXX, How did you verify this account. 

8. XXXX  XXXX : Account number : XXXX, How did you verify this account. 

9. XXXX  XXXX : Account number : XXXX, How did you verify this account.
Complaint sub-issue: Didn't receive terms that were advertised

I signed up for a checking account with Key Bank in XX/XX/XXXXof 2017 with an opening bonus of {$300.00} based on meeting certain criteria. The first issue arose from the bank associate upon opening my account stating that I needed to make {$1000.00} direct deposit dollars in a month. I set up my account to have 2, {$500.00} deposits each month, which met the total of {$1000.00}. A few weeks before the deadline to complete all my requirements I called Key Bank 's XXXX customer support number to check in and to see when I could expect my money. Only then was I informed that I needed at least one direct deposit totaling {$1000.00} to meet the criteria, and not total combined dollar amount. They mentioned this was the only thing left to complete and once finished I would have my cash in a few short months. This was the first account of me being mislead. I changed my direct deposit amount to comply with the requirements and a month later called back checking in. I was told that I met all requirements and should be expecting my money shortly. I went into the downtown XXXX branch and asked for an update within my requirement window as well, but they directed me to their XXXX number for any questions on the reward. Three other times between XX/XX/XXXX and XX/XX/XXXXI called for an update on my money and everyone I spoke to from the XXXX number said I met the criteria and that I should just wait, that it takes up to 6 weeks to receive the money. After much frustration I called last week to see why I haven't received my money. Again a representative said I met all criteria and couldn't understand why it was taking so long. Later she called me back stating that although I had automatic withdraws set up to pay bills, under the criteria they needed to be set up and paid through Key Bank 's website, which they were not. I argued with the representative over the phone because this was never relayed to me up until this point, and that I missed this promotion because of the misinformation from Key Bank. She said she would call me back with an update. Now this is over a week later and I called Key Bank again today to ask for an update and to escalate this to a manager. The manger told me there's nothing he could do because I did not meet the requirements and their phone logs only go back 3 months so they don't have proof of all the calls I made. I did not meet these requirements because of multiple reports from Key Bank misleading me into believing I had done everything I needed to do. I even checked in within my designated time to complete the requirements to make sure and even then they told me incorrect information. They mislead me and wrongly kept information from me so that I would not receive my cash reward. This was the worst customer experience I've ever been apart of.
Complaint sub-issue: Can't temporarily delay making payments

Great Lakes Educational Loan Services turned my loan over to the U.S. Department of Education due to default. I am now attending XXXX XXXX University. After contacting Great Lakes to inform them that I did not receive any correspondence from them to advise me of the status of the loan, they indicated an email was sent on XX/XX/XXXX. After searching my inbox and spam, I received nothing from them. They said they sent a letter back in XXXX. Their lack of communication regarding a loan going into default is absurd. If they would have done so, I would have requested a deferment ( as I did with another student loan thru XXXX ). My request is that this loan be deferred.
Complaint sub-issue: Their investigation did not fix an error on your report

The business I was working for " XXXX XXXX XXXX XXXX '' purchased a property via XXXX XXXX. The business closed and XXXX incorrectly reported the file on my credit report. I filed a dispute with the credit bureau. They have yet to remove this information from my file. I also spoke with XXXX XXXX XXXX who advised me that the information would be updated. However, there hasn't been any changes to my report after disputing it 5 times.
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. 
XXXXXXXX XXXX XXXXXXXX # #, 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 ) X1 ) 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 information is inaccurate
Complaint sub-issue: Can't get other flexible options for repaying your loan

I graduated as a XXXX  and consolidated my loans. American Educational Services ( AES ) was my loan servicer. I was not able to afford my loans when I began XXXX. I made {$30000.00} one year. My loan payment was over {$800.00} per month. I was told that the only thing that I could do was defer my payment because I could not afford it. I was also told that I did not qualify for loan forgiveness or income based repayment. I paid 35 payments to AES. I moved my loans to FedLoan and started all over. I still have 36 more payments due to FedLoan. I should be done paying my loans if the 35 payments could be counted toward the 120 for Public Service Loan Forgiveness. The loans should have been paid several years ago if the deferments would be counted. 

Please help.
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/27, AES began sending multiple emails in 1 day because the payment was late by 2 days. I've received 2 follow-up responses from Customer Relationship Analysts who I had repeatedly asked not to respond and that I only needed 1 email alerting me of the overdue amount. I'm being harassed by this company and am being treated unjustly, and my rights are being violated as a result. No agreement that says correspondence will occur because of delinquent payments is valid if it starts to encroach on breaking the law, which is exactly what this is doing. AES provokes these complaints. AES also records the conversations without my permission when I have told them on multiple occasions I do not consent to being recorded and that because Pennsylvania is a 2 party consent state, they are breaking the law. I'm going to have an attorney file a motion with the courts to subpoena all conversations that AES has kept on file where I have stated verbally that I do not wish to be recorded, yet they have defied that request and acknowledgement. AES is also unjustly delaying Student Loan Forgiveness for certain borrowers who meet the criteria in order to capitalize on interest charges to make a profit. This is a huge conflict of interest and is also considered fraud. The representatives who are tasked with responding to these complaints think they know what they are talking about, but they do not realize they are breaking the law or helping their Employer break the law. I intend to prove beyond the shadow of a doubt that all of this is occurring, and quite frankly, I will do what is in my power to have the company shut down or salaries reduced, or terminations made possible due to this overstepping of power. 

XXXX XXXX should also be investigated for money laundering. If issues occur in a company that seems to benefit the overall company as a whole, it is usually always because the leader is profiting from this process, unjustly and immorally.
Complaint sub-issue: Account status incorrect

XXXX XXXX  is listing my account status for my XXXX XXXX account incorrectly across all three bureaus. They are listing my account as an installment loan to Equifax as 120 days late and listing my account to XXXX as " PAST DUE LATE 90 DAYS ''. They need to correct this and list my account type as REVOLVING not a installment loan. They need to update my payment status to PAID AND CURRENT. They are still reporting incorrect information! This account was paid and closed in XX/XX/2019 and all 3 bureaus need to be notified right away!
Complaint sub-issue: Their investigation did not fix an error on your report

I originally filed a compliant against XXXX, XXXX which a rep with XXXX resolved on XX/XX/2019, per the received letter. To date, they haven't removed the late, delinquency from my credit report with each bureau, per the information stated on the letter. I have contacted XXXX XXXX customer service on several occasions, and they are not even aware of the received letter. I've reached back out to the person who was assisting via customer relations, and I haven't received a reply. I did receive the letter, after our last conversation which I appreciate ; however, the final steps haven't been taken, removal from each credit reporting agency. In addition to contacting XXXX, I've contacted each bureau. I was told, XXXX would have to request for the removal, they couldn't just remove the information from my report. Please assist with the final steps, removal. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$8800.00} XXXX XXXX Balance : {$8600.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$3600.00} XXXX Balance : {$7400.00} XXXX XXXX Balance : {$5700.00} XXXX Balance : {$8400.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Complaint sub-issue: Didn't receive services that were advertised

Around XXXX, I saw a great deal of preapprovals on Credit Karma . From the outset, I didn't give it any consideration yet Credit Karma continued to send me a wide range of various preapprovals informing me that I was preapproved for Mastercards, individual credits, and that I can refinance my vehicle. On a regular basis, I would see these offers each time I signed in to check my financial assessment. Following a couple of long periods of being informed that I was preapproved, I assumed I was currently in the ideal spot to apply. I helped such countless proposals through Credit Karma, I began educating my family concerning speculations and excursions we planned to use to these preapprovals for. I at long last applied nearby some time in 2020 and I got denied for 2 Mastercards, and a 3 individual credits. I was XXXX I was exceptionally furious and I felt bamboozled. I was showcased to for a really long time letting me know I was preapproved. THIS WAS Completely false! I was seriously worried! I was sick for quite a long time! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX went from XXXX to XXXX and was wild. Presently, every time I see preapprovals I promptly close my phone and shut my PC off. This has made me so uncomfortable and restless that I have not actually looked at my acknowledge as often as I should
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 : # 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: Billing problem

On XX/XX/XXXX, I assumed a lease with U.S. Bank from an original lessee in MO that originated on XX/XX/XXXX. On XX/XX/XXXX, I was charged for property taxes assessed in the amount of {$1100.00} in the name of the original lessee in MO ; of which I am not the original lessee nor have I ever been a resident of this location. On XX/XX/XXXX, I requested a copy of the original property tax statement, via telephone, showing the taxes assessed in my name. I did not receive a copy of the property tax statement, but I received a copy of the official tax payment receipt eight months later ( printed by U.S. Bank on XX/XX/XXXX ). I contacted the XXXX County MO tax assessor to confirm their property tax laws, of which U.S. Bank did not apply within the Motor Vehicle Lease Assumption Agreement. U.S. Bank should have been attentive to the details of the XXXX County Missouri property tax laws at the time of the lease assumption, informed the original lessee, and noted the forthcoming personal property taxes due from them on the Agreement and as a condition to transfer the lease.

I have spent hours on the phone with U.S. Bank in regards to this issue ( since XX/XX/XXXX ) requesting : the official property tax statement, a property tax dispute, a property tax dispute request letter of submission in writing, a property tax dispute denial letter in writing, and the contact information of the tax department and/or the person who determined the dispute to be denied. Only, to be transferred to every other department but the tax department, having no record of the tax dispute denial letter, refusing to provide bank-based contact information of relevant points of contact, and not returning calls or responding to emails. I still to this day, have not received a tax dispute request letter of submission, a tax dispute denial letter, or the contact information of the point of contact who denied the dispute. 

This property tax dispute has been extremely stressful and unnecessarily time consuming. It has delayed my intentions of getting another vehicle, because of persistently communicating my law abiding argument and my concerns to prevent negative and erroneous credit reporting. As a XXXX veteran, this dispute has affected my health, created a financial burden for transportation to medical appointments, and remains unscrupulously unresolved. As a result of U.S. Banks imposition of predatory lending practices during this dispute, of coercive attempts to accept the responsibility of unlawfully charged and un-owned property taxes, through their actions of deceptive communication including failure to disclose and provide information ; I have contacted legal representation.
Complaint sub-issue: Account information incorrect

I have a credit limit of {$10000.00} with XXXX XXXX. I took out {$3000.00} to pay for an upgrade in my home. This is the line of credit that is secured against my savings. XXXX XXXX turned me into the credit bureaus as having taken out a {$3000.00} loan unsecured And my credit score has dropped 39 points. Itll take me years to gain the 39 points back. I have already re-pay the {$3000.00}. Unfair reporting practices.