Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Received bad information about your loan

Ever since Discover Bank took over my XXXX XXXX Student loans I have had nothing be trouble with what I am told and what the account shows. My payments are due on three loans on the XXXX, XXXX and XXXX of every month, but I do not get a statement/bill for that month until the XXXX or later. So after making payments and seeing them not applied, I have double paid many times. So long story short I am not sure if my account are correct or have ever been correct with all the errors I find in the accounting. For example XX/XX/XXXXI was reported by Discover Student Loans as being current for payments. Then at the end ofXX/XX/XXXX I was reported as 60 days late. I missed the XXXX payment due to being on FMLA, but paid as soon as I got a full pay check onXX/XX/XXXXone day after I would be technically 31 days later. However they reported 60 days late, also there are many other months I paid my loans and they did not report positive actions on my account. Currently as of today I have been told that want information on my account like this I need to get a subpoena. I just want to know what is in my account and know that they have applied payments as there are required too.
Complaint sub-issue: Their investigation did not fix an error on your report

I attached letter stating the only way they would reinvestigate if they have Cancelled check or money order showing payment, etc. I have enclosed on the previous dispute the required documentation. I have a CASHIER CHECK FROM XXXX XXXX  CASHED BY XXXX XXXX AT XXXX XXXX  AND DATE ALL ATTACHED TO THIS LETTER AND THE PREVIOUS LETTER 'S.
Complaint sub-issue: Reporting company used your report improperly

This account XXXX ( XXXX ) list on my credit report has been cancelled. The bank issued a 1099C form and the account has been filed as EARNED INCOME. Since the account has been filed with the IRS the account status is now earned income, INCOME IS NOT REPORTED ON CREDIT PROFILES. PLEASE DELETE IMMEDIATLEY. This is a violation of 15 U.S Code 1681e compliance procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If this account is not deleted immediately, I will take legal action for negligent and willful noncompliance with the law. I am not a credit report company and this matter is not " frivolous '' or " irrelevant '', in fact I can assure you that I no way do I or my legal team consider a matter of such importance as " frivolous '' or " irrelevant ''
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Dear Sir/Madam : On XX/XX/XXXX an unauthorized charge by XXXX XXXX XXXX XXXX XXXX, in the amount of {$120.00} was posted to my Citi credit card account ending in XXXX. I was also charged a " foreign transaction fee '' by Citi of {$3.00}. I reported the unauthorized charge and disputed the charges and received credit for both. I closed that account and requested a new card. When I received my statement, another unauthorized charge of {$120.00} by XXXX XXXX XXXX XXXX XXXX was posted to my new account ending in XXXX on XX/XX/XXXX with another foreign transaction fee of {$3.00} charged by Citi cards. I made several attempts to dispute the charge by phone and by chat. Citi does not have an e-mail address on their website for customer service to dispute a charge. I closed that account and received another card ending in XXXX. The disputed charge was transferred to my new account! I have since paid off the account minus the disputed charge. Citi has closed my account and is marking is past due which affects my personal credit to the point where my credit score has dropped considerably and it has affected my ability to get a loan. I would like to report Citi 's lack of help with this unauthorized charge on my account and that they transferred the unauthorized charge to my new card after I took the necessary steps to prevent this company from accessing my account. Thank you.
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/XXXX an account with XXXX XXXX was a opened. There was a final payment made on XX/XX/XXXX and the account was later charged off. According to the State of California, which is the state I reside in, the statute of limitation for reporting charge offs is 4 years. This account is well past the 4 years the law allows to continue reporting to credit bureaus.
Complaint sub-issue: Information is not mine

I 've repeatedly told XXXX XXXX XXXX, XXXX XXXX, XXXX, and now XXXX, that the delinquent student loan document # XXXX is not mine. I did not fill out the loan documents nor did I sign them. This student loan is for XXXX XXXX. I did not attend XXXX. I 've reported to all XXXX credit bureaus that this is not a valid loan and shown proof of signature verified by an XXXX Notary here in XXXX XXXX. Someone created this loan in my name and XXXX will not wish to recognize my argument. I 've repeatedly have been denied credit for home refinancing and purchase because of these false derogatories. IT ISNT RIGHT THAT I SHOULD SUFFER BECAUSE OF XXXX CARELESSNESS IN LOAN PROCESSING! Frustrated, I have on retainer XXXX XXXX Attorney of XXXX XXXX number XXXX. Feel free to contact me at XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

According to the Fair Credit Reporting Act, Section 607, the reporting agency must ensure maximum accuracy of the information contained in my credit report. I have disputed the following items multiple times : XXXX - This is not my account. I do not have a signed contract with this company for services. 

XXXX  XXXX - This is not my account. No contract or agreement in place. 

US bankruptcy- I never filed for bankruptcy. I changed my mind shortly after completing paperwork. A payment plan was not entered, nor did I go to court. After deciding not to pursue the bankruptcy, it still somehow ended up on my credit report. This item should be removed. I have disputed it multiple times. My attorney also sent a letter to confirm what I said XXXX XXXX - This agency is a debt buyer and I do not owe them money. The contract was cancelled. 

XXXX  XXXX  - This agency is a debt buyer and I do not owe them money. The contract was cancelled XXXX - This agency is a debt buyer and I do not owe them money. The contract was cancelled. 

XXXX XXXX XXXX - The contract wS cancelled many years ago and I do not owe them money These items should be promptly removed from my credit report
Complaint sub-issue: Don't agree with the fees charged

I requested a loan of {$12000.00} from XXXX XXXX in XX/XX/XXXX. Three disbursements were made.XX/XX/XXXX for {$4700.00}, XX/XX/XXXX for {$4700.00} and XX/XX/XXXX for $ XXXX.Total disbursed {$9500.00}. I graduated XX/XX/XXXX. Throughout the term of the loan I had placed the loan into deferment. In XX/XX/XXXX I called XXXX XXXX to inquire why my principal balance reflected total amount owed {$13000.00}. I was told by two customer service representatives that during my deferment my student loan accrued capitalized interest. The issue I have is with how this information is disclosed on my billing statement. My billing statement reflects the actual principal of {$9500.00}. actual funds I borrowed and then it shows current principalb {$13000.00}. this is very confusing. In addition it is inaccurate according to XXXX XXXX dictionary online principal is defined as : a matter or thing of primary importance : such as a ( 1 ) : a capital sum earning interest, due as a debt, or used as a fund. In addition according to XXXX XXXX  dictionary online Th term interest is defined as a : a charge for borrowed money generally a percentage of the amount borrowed. Disclosing an increased amount and defining it as principal would indicate an additional amount borrowed, however it is interest and should be disclosed on monthly billing statements as capitalized interest NOT PRINICIPAL. Since this is not part of the funds borrowed it should be separated and disclosed as such including the dates of the deferrment period. This will lead to decreased student loan debt and more transparency. My goal is to help alleviate the burden placed on graduate students, in addition, XXXX XXXX  offers few options to negotiate repayment. Except forbearance or deferrement. There are no options to alleviate the payment based on income. They are forcing students to accrue more debt.
Complaint sub-issue: Information belongs to someone else

I have been trying to dispute several credit accounts on my credit report as fraudulent. But for some reason I have been unsuccessful with being able to dispute those account with this credit bureau. The accounts that I want disputed are as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts I want to dispute as fraud. My ID was stolen and I did not give authorization for any of these accounts to be opened. I have attached an FTC Affidavit. Please forward an updated credit report with these account and inquiries moved off of my report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the fair credit reporting act : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, CA XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX have violated my rights. According to the Fair Credit Reporting Act sections 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have disputed these collections and they continue to claim they belong to me. I have not given any written consent to publish these collections on my report and refuse to take ownership of a bill that I have no knowledge of. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX both these collection agencies are claiming the same account but have conflicting information which makes it confusing to dispute. Please help me with this issue that is detrimental to my credit health. Thank you.
Complaint sub-issue: Reporting company used your report improperly

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Names : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Employer : XXXX XXXX Addresses : XXXXXXXX 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 XXXXXXXX Inquiry : XXXX XXXX XX/XX/XXXXXXXX XXXX : XXXX XXXX XXXX Names : XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Equifax Names : XXXX XXXX Employers : XXXX XXXX Addresses : XXXXXXXX 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 XXXXXXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I am a victim of identity theft and I need help because my credit has been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Complaint sub-issue: Information belongs to someone else

Hello and thank you very much for looking into my case. 

On XX/XX/2018 I have sent letters for these companies indicating that I would like to submit a formal dispute to the debts they claim that are mine on my credit profile. Not recognizing theses accounts I initiated a process of dispute. 

The accounts were as follows XXXX XXXX XXXX Unverified Account On XXXX  and XXXX  So far it has been almost 2 full months and  this company has not responded stating anything. I haven't received a letter or noticed whatsoever in the mail from this company. I explained in the letter specifically " Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & amp ; FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. '' I also explained failing to verify the debt according to the Sections listed below could result in 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Complaint sub-issue: Account status

I have paid off the debt to Procollect on XXXX/XXXX/15 which was a debt in the amount of {$440.00} + {$7.00} ( procollect fee ) = {$440.00} for XXXX XXXX XXXX. I paid the account off through XXXX XXXX XXXX who also charged a fee of {$5.00}, which will be shown on the attached receipt. I have spoken to Procollect about removing the item from my credit and was told it will be removed but the debt still continues to report as unpaid.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX ), Account # XXXX ( XXXX XXXX  ), Account # XXXX ( Dept of Education XXXX ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( Dept of Education XXXX ), Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX ( XXXX XXXX XXXX  XXXX ), Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX ( XXXX, 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 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Complaint sub-issue: Other problem getting your report or credit score

I am trying to qualify for a mortgage loan. In order to do so, all three credit bureaus need to be checked. All of the bureaus checked out except Equifax, which is claiming fraud on my account. I can not create an account online due to error code NH. Upon calling, I was told to fax in two forms of ID. The customer service representative first gave me the wrong fax number. I called again, got the right fax number, and sent the documents. Equifax refuses to verify they have received the documents until 5-7 business days later, despite that sensitive security information is being sent over. 5 days later I call in and was told the documents had not been received, and to send them in again and call to confirm receipt. I did as told, and when I called to confirm receipt they told me again it would take 5-7 business days. After 7 business days I call again and am told the documents were not received, probably because they were ineligible but the rep was unsure of why not. I have probably talked to 15 different Equifax people since then via email, phone, and website chat. They have no option of emailing in the documents and no way to verify they have received the information. I just want to get my home loan but am about to lose my first home purchase due to Equifaxs sloppiness. Every time I call a rep gives me new instructions of what to do, I have even XXXX over the documents to them and they still cant fix the problem that they created in the first place. My credit score works for every other bureau. They keep telling me there is nothing they can do.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

The investigation did not fix error
Complaint sub-issue: Debt is not yours

This company has placed a collection account on my credit report and they refuse to provide proof of the debt from the original creditor. The original creditor has never contacted me about this debt. I believe it is a scam. The collection agency is in violation of the FCRA as they refuse to cease contact and provide proof of the debt.
Complaint sub-issue: Information belongs to someone else

it has come apparent that Equifax has furnished false, outdated, and incorrect information on my credit report. Equifax is acting as trustee over my cestui que vi trust and they have acted in maleficence breach of duty as this act has not been in my best interest. Equifax is both a financial institution and credit reporting agency, which has caused damage to my ability as a consumer to make certain private purchases for my family and I. they violated my privacy and never had consent nor permission to furnish or report any of the false and misleading information on my report.
Complaint sub-issue: Problem accessing account

I opened a Popular Bank checking account online over a month ago. I received a packet of information in the mail, including a questionnaire and a signature card along with a return envelope. I filled out the required paperwork in full and sent the envelope back. I waited a week and called Popular Bank to see if the paperwork had been received. On the call Popular Bank transferred me to the online account department. The person I spoke to in the online account department initially told me that she had received the paperwork and started reading information off of the paperwork, only to find that she was reading me private information from a third party and not information from my account. She then told me that she had not received my paperwork yet. I called three more times over the course of two weeks and each time I was put on hold for an extended period of time and was not able to reach an agent who can help me. On XX/XX/2018 I made a mobile deposit for a cashier 's check. I received an email from Popular Bank saying the deposit had been approved. I tried to login to my Popular Bank online banking and was locked out. I called the customer service number and was told that I needed to speak to the online account department. I was put on hold and nobody picked up, after 45 minutes I hung up. I called a branch and spoke with a supervisor who called the online department. The online department told him that my account was restricted for suspicious activity. They told him I would need to go into a branch. He then said " why did you open your account online? Why didn't you just open it in the branch ''? There has been no activity since the XXXX of this month. Today is XX/XX/XXXX. The branch supervisor told me I would need to talk to the online account department and transferred me.
Complaint sub-issue: Their investigation did not fix an error on your report

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. I am disputing the Account XXXX XXXX Balance Owed : {$34000.00}. I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.
Complaint sub-issue: Report provided to employer without your written authorization

Hello. 

My name is XXXX XXXX. I have a problem with a background checking company named " Checkr '' ( Checkr.com ) Checkr.com posted unauthorized, and incorrect background information about me ( from 29 years ago ) to my employer ( XXXX ). 

I was on my XXXX XXXXXXXX XXXX XXXX  with XXXX. I XXXX  for the 5years ago ( 5star ratings ) for about 14 months. And recently I re-applied about 13 months ago. I was XXXX  ( part-time ) for about a year. ( all 5star ratings ) and then... 

Just last month, mysteriously, XXXX performed a random background check on me. And a XXXX  from 29 years ago was posted from their background checking company ( Checkr.com ) XXXX deactivated my account. I lost wages. I have not driven for XXXX in over a month. ( I had a XXXX XXXX XXXX ) I filed a complaint with Checkr.com. It is in dispute right now.