Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

I have paid this balance about 6 month ago, but it 's still on my credit report
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX is reporting incorrectly a balance of {$150000.00} to Equifax ; XXXX and XXXX on the XXXX XXXX XXXX partial account number XXXX. The actual balance is {$28000.00} pursuant to the statement dated XX/XX/2019 from XXXX XXXX XXXX. ( Please see page attached from my credit report as well as the statement dated XX/XX/2019 from XXXX XXXX XXXX. ) On XX/XX/2019 a Consent to Final Judgment of Mortgage Foreclosure was filed on my behalf. ( Please see document attached. ) Because there is a signed Judgment that has been filed with the Court, this line item no longer needs to be reporting and therefore it needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful. This incorrect reporting is harming my credit score.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX, I contacted XXXX to make my XX/XX/XXXX payment, I initially attempted to make the payment by phone but I ended up speaking with a customer representative, I gave authorization to make the XXXX payment with her, at the end of our convo she asked if I wanted the confirmation #, I was not where I could take it down so I said no. On or around XX/XX/XXXX I received a letter from XXXX stating they were making a negative entry to my credit report. I called XXXX  and spoke with a Rep that said she didn't see any notes regarding a convo on XX/XX/XXXX, I told her that if the company pulled the recording of the conversation using my phone # they could hear that I authorized payment but the rep didn't post it, the payment authorized on XX/XX/XXXX didnt post, she said she'd investigate and get back to me, on around XX/XX/XXXX, I called back, got another rep who said he didn't see anything about an investigation but he'd set it up and at this time I made the payment that was due XX/XX/XXXX, I also inquired about XXXX correcting my credit report since the rep didn't post the authorized payment and he said he'd ask supervisors if it can be corrected. Sometime in early XXXX, I received a call from XXXX XXXX relations, I forgot the name of the representative and told my story again, he too said he'd check with management about correcting my credit report. I reached out to him few weeks later and he told me that nothing he could do the report was correct. I have disputed twice with the credit bureau and they sent a letter saying the 30 day late stands the account is being reported correctly. All I am asking XXXX to do is review the conversation I had with the rep on XX/XX/XXXX, verify why she didn't post the payment, and correct the report because if the rep had applied payment on the XX/XX/XXXX the account would not be 30 days on XX/XX/XXXX and my report would not have been impacted.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX, XXXX, VA XXXX This attorney has served me a warrant in debt with Discover Bank. I have not been given an opportunity to dispute, request verification, or settle if it is in fact owed. I do travel XXXX and work out of state and I use my parents home as my tax address. Upon contacting my mother, I have been made aware Discover Bank has harassed my parents home as well which I do not reside calling every 30 minutes daily for a period of time. I will be obtaining records of these phone call attempts made which is harassment under the FDCPA. I intend to countersue both the attorney and Discover Bank for violations under the FDCPA and damages for having to arrange to come home to appear in court while working as a travel nurse out of state if this case is not dismissed.
Complaint sub-issue: Reporting company used your report improperly

FEDLOAN Account Number : XXXX {$110000.00} I have had my rights violated in regards to the Validation of Debt and Identity theft where my information was provided to the governing bodies of XXXX  XXXX XXXX  XXXX XXXX. 

As a consumer by law this account must be deleted immediately. 15 U.S. Code 1692g - Validation of debts U.S. Code ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; You Violated The United States Code Law 15 U.S. Code 1681b- Permissible Purpose of Consumer Reports ( a ) In general, Subject to subsection ( c ). any consumer reporting agency, may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible Purpose of Consumer Reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. I never gave you any written consent to report anything on my consumer report no consent is Identity Theft. I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance to fair credit act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 6 a right to privacy section 604 a section 2 I did not give written permission
Complaint sub-issue: Attempted to collect wrong amount

This is a resold debt from 2012. This debt is over 7 years old. It was taken off my credit report the first time due to inaccuracies as I worked for XXXX and was not charged the employee rate. The first collection was a different amount. Please remove this very old debt that is over the statue and prevent from attempting a false debt.
Complaint sub-issue: Problem accessing account

Unable to link my bank account with other financial services accounts
Complaint sub-issue: Personal information incorrect

In dealing with Equifax trying to correct errors on my free credit report i was unable to dispute information online because their security questions lock you out. So i spent three hours on the phone trying to get tech support only to be told i HAD to furnish my license and social security card first to prove its me me to fix errors and wrong address. There are many errors i would like to dispute online and cant as well as not being able to understand the persons on the phone.
Complaint sub-issue: Information belongs to someone else

I was going to be a cosigner for my sister 's car she was purchasing and when my credit report got pulled I notice a list of items that did not belong to me. Can you please remove these items from my credit report. 

XXXX XXXX XXXX {$1900.00}
Complaint sub-issue: Debt was paid

XXXX XXXX company will not have their company deleted from all 3 of my credit reports. These debts have been settled and closed. I was told after I settled they would be taking off my credit reports and they have not done so. I've tried calling and disputing to the company it self and the credit bureau 's. Nothing has be done. These accounts are negative on my reports and its hurting my scores. They were placed on my reports on XX/XX/XXXX and XX/XX/XXXX for XXXX   and XXXX phone company 's. I have tried everything I can to get these deleted any help would be appreciated.
Complaint sub-issue: Account status

They are asking me to pay money of XXXX dollars to get confirmation number and then open a dispute. 
When I try to call them they direct me to different departments, order, care and complaint. This has been happening for the past 1 year. 
If I try open an online dispute, they say they can not currently process it but ask me to call them and again the same process.
Complaint sub-issue: Was not notified of investigation status or results

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Complaint sub-issue: Was not notified of investigation status or results

They did not Verify any of the inquiries Information to see if they were correct in listing them on my credit report I asked them for verification ie Written Contracts or verifiable documents I was give none and told that the do not Dispute inquiries that I would have to go to the companys to do so and that is not the law they have to dispute and tell you how it was verified
Complaint sub-issue: Billing dispute for services

The XXXX XXXX XXXX XXXX / XXXX /Collections XXXX and XXXX XXXX XXXX XXXX have not removed Student Loans to include Credit Agency 's XXXX XXXX XXXX and Equifax. I applied as XXXX XXXX in XXXX. The loans are supposed to be paid in full as a requirement of Federal Laws and have not been done. It's on all Credit Records mentioned above to include a Collection Agency XXXX. I am a 100 Percent Service Connected XXXX Veteran and they were also previously sent all documents via US mail and emails electronically. I haven't received any response and XXXX locks me out over the website and over the phone it is routed to collections Dept only. Being a 100 percent service connected XXXX veteran by federal laws all these loans and credit corrections are supposed to be done. My school 's attended XXXX XXXX XXXX XXXX XXXX XXXX NY and XXXX XXXX AZ XXXX Thank you
Complaint sub-issue: Reporting company used your report improperly

Cease & Desist : In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer-reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

This complaint is due to the Consumer Credit Transaction with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) the term document means any information in any form. I demand this company CEASE and DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes, XXXX, XXXX, and XXXX. The Provisions of 15 USC 6801 ( a ) state, It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Please be advised that I have not given this company the permission to share my nonpublic personal information. However, I ask this company that if there is a nondisclosure clause in the contract/agreement giving that option to share my nonpublic personal information I ask this company where I can opt out of their sharing of my nonpublic personal information. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that before such information is initially disclosed, to direct that such information not to be disclosed to such third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that non-disclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., XXXX, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws. I with this request that this company removes the above-mentioned information from my consumer credit report. If they accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax credit reporting is reporting my account status as a charge off when these accounts have been settled after numerous attempts and disputes over 30 days they will not change the status.     Equifax Accounts.      XXXX    XXXX   XXXX   XXXX   XXXX   ( Settled ) not charge off  XXXX   XXXX   XXXX   XXXX   XXXX  :   XXXX   XXXX   ( Settled ) not charge off  XXXX   XXXX  :   XXXX   XXXX   ( Settled ) not charge off  XXXX   XXXX  :   XXXX   XXXX   ( Settled ) not charge off
Complaint sub-issue: Information belongs to someone else

Recently signed up for monitoring service in which I noticed an account on my file that does NOT belonging to me from company XXXX XXXX XXXX reporting a balance of {$660.00} This account is a fraudulent account as I am a victim of identity theft, I have attached further documents to explain Identity theft. This Account does not belong to me.
Complaint sub-issue: Account status incorrect

I have never signed an agreement. This is not the original creditor. This is a duplicate account. 

Title 16 CFR 433.1 Consumer credit contract. Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section. 

18 U.S. Code 1341 - Frauds and swindles Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do, places in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Service, or deposits or causes to be deposited any matter or thing whatever to be sent or delivered by any private or commercial interstate carrier, or takes or receives therefrom, any such matter or thing, or knowingly causes to be delivered by mail or such carrier according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing, shall be fined under this title or imprisoned not more than 20 years, or both. If the violation occurs in relation to, or involving any benefit authorized, transported, transmitted, transferred, disbursed, or paid in connection with, a presidentially declared major disaster or emergency ( as those terms are defined in section 102 of the XXXX XXXX XXXX XXXX XXXX and Emergency Assistance Act ( 42 U.S.C. 5122 ) ), or affects a financial institution, such person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both. 
( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX ; XX/XX/XXXX, XXXX. XXXX, XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, ( XXXX ) ( j ) ( XXXX ), XXXX XXXX, XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, title XXXX, XXXX ( i ), XXXX XXXX, XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, title XXV, XXXX ( h ), XXXX XXXX, XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, title XXV, XXXX, title XXXIII, XXXX ( XXXX ) ( H ), XXXX XXXX, XXXX, XXXX Stat. XXXX, XXXX ; Pub. XXXX XXXX, title XXXX, XXXX ( a ), XX/XX/XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX. )
Complaint sub-issue: Information is not mine

I have an account on my credit report that does not belong to me and I want it removed. I have contacted the company that is reporting this account via phone and email and they could not even verify the account because they have the wrong date of birth listed for the account. I know that this is not my account and would like it removed and a complete investigation.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not consent to, authorize nor benefit from the following inquiries : XXXX. XXXX XX/XX/2021 XXXX. XXXX XXXXXXXX XX/XX/2021 XXXX. XXXX XXXXXXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021
Complaint sub-issue: Public record information inaccurate

There is a bankruptcy on my credit that i never went filed. my ex-husband filed I would like the bankruptcy removed from my credit report.
Complaint sub-issue: Information belongs to someone else

Equifax REINSERTED a previously DELETED item on my credit report WITHOUT sending me a notice within 5 Days. The account reinserted was Dpt of Treasury. Under the FCRA, Equifax is required to send me a notice within 5 days if it is going to REINSERT an item. Equifax has VIOLATED the FCRA by NOT sending me a notice within the 5 Days. This is my SECOND complaint about this as Equifax IGNORED my first complaint. I AM NOT NOT SUBMITTING A DISPUTE. I AM POINTING OUT YOUR OBVIOUS VIOLATION OF REINSERTING THIS ACCOUNT IN MY CREDIT FILE WITHOUT SENDING ME A NOTICE WITHIN 5 days. You have engaged in the enabling of Identity Fraud by placing this account back on my credit report AFTER YOU ALREADY DELETED THIS ITEM BEFORE. I DEMAND you to delete this erroneous information from my credit report AND that you provide monetary relief in the amount of {$1000.00} for this violation of the FCRA.
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, 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: Overdrafts and overdraft fees

US Bank XXXX says that the account balance is higher than actual balance. They burned me out of many overdraft fees although the account NEVER had a negative balance. They are stealing my money, and I resent it. They are rich, and I am poor.
Complaint sub-issue: Deposits and withdrawals

On XXXX i got call from US bank requesting me to visit nearest US Bank branch to update my ID, which i did on XX/XX/XXXX i visit the branch on XXXX XXXX XXXX, XXXX XXXX, IL XXXX, and i did what they asked me to do Later on XX/XX/XXXX i got call from the same number asking me to go again to nearest is branch to answer some question about transactions happen in my account which i did, on XX/XX/XXXX to find out that my account had Hard block on it since XX/XX/XXXX and the manager assistant was not able to remove the hard block on my account stating that they need to check further, the same thing happened on XXXX and the account was hard blocked for more than 22 days and for no known reason which am afraid the same will happen this period no one know why my account is blocked, nor when this account will be unblocked thanks
Complaint sub-issue: Account status

Through XXXX and XXXX, my credit report shows that my XXXX XXXX account is " closed '' and in collections. On my Equifax report, it is showing that it is " open '' and in collections. Because it is listed as " Open '', and payments are going to a collections agency rather than the original lender, I am incurring " missed payments '' on my Equifax report. I filed a dispute, and the account 's closed date was verified, but was still not updated on the report.
Complaint sub-issue: Information belongs to someone else

I am writing this letter to simply delete the following information in my credit file. The items I need deleted are attached. I am a victim of identity theft and did not make those charges. I ask that the items be deleted to correct my credit report
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY AND PHOTO ID TO OPEN THESE ACCOUNTS INMY  NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Old information reappears or never goes away

XXXX credit bureau as well as XXXX  are reporting old account information, old addresses and misspelling of my name that should by law be deleted by now..I hired XXXX to help me with this matter but to no avail the old account information is still reporting threw XXXX and XXXX  credit bureau