Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

We have been in touch with XXXX XXXX directly and also through your system. 
Our credit report shows twXXXX HELOC Payments late. Which is NOT Correct. 
Each month we pay our bills and are given a conformation number to prove our payment. XXXX XXXX takes another step and sends us a letter with another conformation number and our account information. We are still supposed to trust this. 
HOWEVER, We clearly have Conformation # XXXX for payment on XX/XX/XXXX for {$720.00}. Letter of Receipt from bank saying they received the payment with our correct full routing number and correct last four of our bank account. 
We have a documented conversation with XXXX XXXX Supervisor XXXX XXXX as well as her employee ID # XXXX. When we received a call that our HELOC was late, we were escalated to XXXX XXXX ( supervisor ) who explained to us that XXXX XXXX had NOT Processed the payment, through no fault of ours and that no late fees or late notice would be filed - It was purely a XXXX XXXX bank error. 

XXXX misreported late : We have XXXX # XXXX for payment onXX/XX/XXXX Letter of receipt from XXXX XXXX saying they received payment with correct full routing number and correct last four of our account number. 
And a Note from my husband speaking with representative, same story, the told my husband that XXXX XXXX just did not process. We were contacted by XXXX XXXX saying they would look into it. 

XXXX XXXX told me they listened to recording and have no proof that we did not give them a wrong number? With all of our payments we depend on Conformation numbers to say we have made our payment, then to get a letter to say the same. Only to have the bank weasel out of taking off this MIS-Reporting because they reported the date THEY PROCESSED, which is after they noticed THEIR mistake. 
XXXX XXXX is KNOWN PREDATORY BANK. They really hurt our credit and it is NOT OKAY. Please Help Us, XXXX & XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I didnt apply for credit with any of these companies XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

It has come to my attention that my personal data has been compromised. As a result my right to privacy has been violated and Equifax , Inc. is responsible. 

Please see attached.
Complaint sub-issue: Problem getting report or credit score

Despite YEARS of stellar credit reports and scores, at or about XXXX for each reporting agency, I was a couple of weeks late paying XXXX credit card bill and my score dropped over XXXX points! Really, over XXXX points by each agency. This is unbelievable. I have not been late paying any bill in many many years. I was in fact in the hospital XXXX at the time this bill was due. I do not dispute that payment was late but after my very long history of cultivating exceptional credit status this XXXX point drop must be seen as excessive. In addition, I am in the middle of refinancing our house and this credit report, as it stands now, is costing me money. Please help.
Complaint sub-issue: Threatened to sue you for very old debt

I was contacted via letter on XX/XX/XXXX by a XXXX XXXX representing the Coachella Valley Collection Service. He indicated that a debt was owed in the amount of {$5800.00} from the XXXX XXXX XXXX XXXX. 

He continued to send numerous collection letters. On XX/XX/XXXX he sent a letter threatening to sue.
On XX/XX/XXXX I replied to the collection agency to cease and desist collection efforts as the Statute of Limitations had long passed. They never responded nor removed the collection from the credit bureau  's.
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 right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Account information incorrect

I had my credit at XXXX suddenly low for the use of a card for {$150.00} when its limit is {$1000.00}, 22 points of my credit went down, this affects me now that I want to get my house, XXXX  and Equifax did this by mistake there was no excessive use of credit.
Complaint sub-issue: Card opened as result of identity theft or fraud

On XX/XX/XXXX, I received an email notification saying that I had opened a new account. When checking my XXXX  XXXX  account, I have seen a Macy 's credit card had been opened under my name on XX/XX/2002, of which I'm unaware. Therefore I reached out to Macy 's by phone to complain about that. So they told me that they are going to investigate the case, and expect a response from them after two billing periods.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX  to ask XXXX XXXX XXXX XXXX ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that the unauthorized inquiry that is associated with XXXX XXXX XXXX XXXX is still currently reporting on my XXXX credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***
Complaint sub-issue: Their investigation did not fix an error on your report

Good morning, I recently received a copy of my Equifax credit report and after reviewing it, I found information on the report that are inaccurate. The account in question is below. I disputed the information via Equifaxs website. However, the information has not been correctly verified yet still remains on my credit file. As of this date, I have not received any copies of the documents that Equifax have in their files verifying the accuracy of said account. 

XXXX XXXX XXXX XXXX {$65.00}
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My credit was pulled from companies I did not authorize. 

Credco Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX
Complaint sub-issue: Problem with balance transfer

A balance transfer in the amount of {$1000.00} was supposed to post to the account from XXXX XXXX XXXX XXXX to this account. The balance transfer never posted and XXXX XXXX advised the payment was sent electronically in XXXX and that citi bank needs to verify the payment.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX 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 an account without my written instructions.
Complaint sub-issue: Didn't receive enough information to verify debt

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under XXXX XXXX XXXX I requested a validation on XX/XX/XXXX as there was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me.Therefore on XX/XX/XXXX I sent a direct dispute to XXXX XXXX/XXXX  requesting that account be removed from my profile as the creditor failed to validate the account in a timely manner. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally attempt to collect on this account and this account continues to negatively affect me.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2016 Loan Type XXXX XXXX XXXX Past Due {$700.00} Original Creditor XXXX XXXX XXXX XXXX XXXX PLACED FOR COLLECTION in accordance with the Fair Credit Reporting act XXXX XXXX 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 instructions
Complaint sub-issue: Information belongs to someone else

The following accounts are fraudulent : XXXX  XXXX XXXX {$540.00} XXXX  XXXX {$490.00} XXXX XXXX {$710.00} XXXX XXXX XXXX {$1100.00} XXXX  XXXX XXXX {$1700.00} XXXX XXXX XXXX {$430.00}
Complaint sub-issue: Their investigation did not fix an error on your report

US BANK HOME MORG.

Reporting my paid off home loan as 30 days late in 2016. 
They will not fix it to current.
Complaint sub-issue: Old information reappears or never goes away

I haven't opened up any XXXX account in XX/XX/2021 this is fraud on my credit report. It shows that I owe an odd number of {$800.00} for the XXXX XXXX account which is incorrect. It has been deleted several times but always seems to come back. I have contacted the company Jefferson Capital System and they stated that the dates were changed for whatever reason. This is a living HORROR with this company. I need this deleted immediately. They have been reporting this misleading information for at least 10 years or more now through different companies. Please update this information for XXXX as well. Thanks for your prompt attention to this important matter.
Complaint sub-issue: Account status incorrect

Equifax ; XXXX and XXXX are incorrectly reporting that I am ( 120 plus ) days late on the DP EDXXXX account. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with the investigation of my complaint. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. ( Attached is a spreadsheet of accounts for reference. ) I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Complaint sub-issue: Debt is not yours

After numerous efforts to correct the amount owed with XXXX ( XXXX XXXX XXXX ) for the amount owed for services after canceling internet, there was not an agreed amount to close the account. XXXX  continued to send billing statements for an amount that was not considerate of their own delays in canceling services when first requested and is detailed in a FTC complaint filed awaiting response. Enhanced Recovery Company ( ERC ) has since proceeded to demand further amounts above XXXX fees. On XX/XX/20 I had called XXXX XXXX to discuss the matter from which they could not resolve but did proceed to file the credit impacts to my scores from which should not occur due to the circumstances leading into this event. The representative did not even discuss options nor try to resolve the issue. These credit impacts need to be reversed immediately until XXXX ( XXXX XXXX XXXX ) corrects fees attributed to their poor customer service and delays in responding to cancellation activities
Complaint sub-issue: Need information about your loan balance or loan terms

I reached out to FedLoan Servicing on XX/XX/2021 using the contact box on their website ( after logging in to my account ) to find out : -When will I need to recertify my income after student loan payments resume to stay on my income drive repayment plan? 
-What will my monthly payment be when payments resume? 

I received an automatic replay on XX/XX/2021 and so far no one has responded to my email.
Complaint sub-issue: Account status incorrect

There is no sufficient information to support the credit bureaus claim.The payment here is sent in advance so I don't understand why this is is a past due..Please fix this for me..XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a complaint initially regarding a vehicle that was falsely reported on my report. The Bureau removed the car and not the inquiries that I did not authorize. Equifax refuses to update and correct the problem.
Complaint sub-issue: Information belongs to someone else

There is an unauthorized inquire reporting to my XXXX  report. This is a lender that I did NOT submit a request for any lines of credit. The lender is US Bank dated XX/XX/XXXX for a bank or credit card. I contacted XXXX on XX/XX/XXXX in regards to this matter and was told to contact the creditor/lender directly to verify. Each lender has informed me that no accounts exist or lines of credit have been issued under my social however, there was an application submitted that resulted in the inquiry. XXXX is not working proactively to resolve this matter even with the lenders confirming that I have no active accounts.
Complaint sub-issue: Investigation took too long

In XX/XX/2015 I started disputing this issues with XXXX and Equifaxfraud on my credit report. Equifax has not want to do anything aboutthis and in timely fashion. Finally I a letter from XXXX to me andstating sent letter also to Equifax to remove off my credit due to fraud. 
They said they had until XXXX/XXXX/2015 to remove it and as of today XX/XX/2015it is not removed from my credit.
Complaint sub-issue: Trouble with how payments are handled

I declared Chapter XXXX bankruptcy and the servicers of the student loans were included in the discharge. Regardless of " type '' of loan. The document says they were discharged. It does not specify that the loans were student or not, but a minor disclaimer is all that is included. It is beyond unclear, and this is reaching a territory that is creating a very difficult situation. I am thinking of never working again because of the legal process in place. 
This uneven and unequal economy progress has left me without a decent job, and has made it difficult to find any faith and trust in repayment of the studies that I am coming to realize are for me to act as a slave to your economic engine. 
I am becoming quickly an enemy of the state and am now looking into which nations I can go to and claim financial burden as a reason to seek asylum. It will end the dynamic relationship of my family moving to this country over the years, but at this point the unrealistic expectations set by federal policy and not protecting citizens has essentially established a poor state, and this is violating my constitutional right. 
I need assistance, support in clarification and I am demanding the support needed to redefine the rule under which student loans are managed. 
Discharge should be available just like every consumer loan. Student loans do n't always pay tuition. In my case my debts paid for my housing, my food, and other related expenses while I was studying. They are more like consumer loans and they should be discharged as such, but due to the excessive cost, confusion, and the downright cruel and unusual punishment based on the lack of access to the necessary body I am finding that I hate my government and under my own constitutional right will sign for any and all access to foreign government agencies to government and protect me under their rule of law vanquishing the territorial control of the US, it 's leaders and the constitution that is governing this, thus establishing unjust policy. 

I lost my job in XXXX, I have been dealing with XXXX, and am at a point that I have no faith and trust in the workplace, and in the US Dollar. I am at a point that I declared bankruptcy because I felt overwhelmed and incapable of repayment. As student loan debt is permanent, I have grown frustrated further and have given up on furthering my education, and am not going to work anymore because it is a taxation on me through interest that is paying a public loan servicer. This is a huge violation of the constitution and I do not care what punishment is part of it. The politicians and banks are in collusion against the taxpayers. Thus, I am not paying back anything now. I will declare a civil war before I do. Thus, I will be XXXX, and will request international guidance and their involvement to restrain the XXXX Government against genocide of those seeking to elevate their knowledge to build a better life and that the Republicans and rich sought to destroy the potential growth of the economy through usury. 
XXXX nation. Especially now.
Complaint sub-issue: Can't get flexible payment options

Nelnet XXXX Servicer in XXXX Nebraska lied on my 8 year old student loan debt I closed in XX/XX/XXXX and denied my student loan to be discharged. I would like this student loan to be legally looked into by Consumer finance because the Authority and Supervisors for this Nelnet Company has been billing and charging me late fees and need to waive this because they lied and kept my documents that supported the student loan account number XXXX to be removed the Nelnet account number for me is XXXX was under review by XXXX discharge since XXXX XXXX I was no longer to be billed and they reopened a closed account since XX/XX/XXXX. I am filing this complaint to receive justice and on my credit report they lied to all three credit bureaus and put bad remarks on my credit and I have no longer been able to be financed correctly this Nelnet Student loan is not even showing I ever made one payment and their supervisors lied about the amount of payments I make after XX/XX/XXXX their was a ton of interest charged on this closed account. Their was a hurricane that destroyed my home address and I moved and closed the account a month after I could not finish the courses online the funding was enough to study for less than a few months and not even enough to live anywhere. Nelnet is not legit I have disputed this civil debt as a civils issue in XX/XX/XXXX I provided them my Award Letter in the application and their in my personal business and I do n't want nothing else to do with them in XXXX XXXX. Their legally not allowed to have my identity their is Nelnet workers who have stolen around the time my Identity was on file with their Company services even before XX/XX/XXXX. Stop charging me interest for XXXX years but the Law has let Nelnet do this to only me as the Consumer. Filing this Complaint to get justice.
Complaint sub-issue: Problem making or receiving payments

I have been using Cash App for years now and Ive never known a more corrupt or unprofessional company than this one. For a company that was made to send and receive payments it sure is very difficult to do so. I havent had any issues for a long time and now all of a sudden they are closing my account and wont let me send anything for my protection. I am the person running my own account and I would just like to know what sense it makes to not allow your customers to do exactly what your company was made to do. Not to mention they are stealing money from their customers. I have family and friends that I send various amounts to for various reasons and its simply unfair to flag them all. XXXX will always be the way to go but unfortunately not everybody uses XXXX.
Complaint sub-issue: Information belongs to someone else

I have previously disputed with XXXX XXXX and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted the credit bureaus on multiple days and advised them that I had inquiries on my credit report that I did not authorize. They told me that I would need to get ahold of the companies and dispute with them. I advised them that I have contacted the companies multiple times and they have no record. I have asked for validation of these inquiries and have not received a response. I want these inquiries off of my credit report NOW. This isnt fair to me because it may not be a big impact but there is an impact and its hurting me.
Complaint sub-issue: Their investigation did not fix an error on your report

Years ago I had a XXXX credit card.XXXX went out of buisness and I assumed the account was closed.The XXXX credit card was through XXXX XXXX XXXX.Then, for some reason, I ended up with a XXXX XXXX XXXX card from XXXX that showed up on my credit reports.I never signed up for a XXXX XXXX XXXX card through XXXX nor did i ask for my XXXX card to transfer over to XXXX XXXX XXXX card.I never asked for a increase for credit for shop your way card or ask XXXX to reopen the sXXXX XXXX XXXX card when they said it was denied.XXXX needs to provide proof that i signed up for a XXXX XXXX XXXX card or asked to reopen or increase in credit.Never had a option to opt out as well.On XX/XX/XXXX at XXXXXXXX I called customer service and spoke to " XXXX '' ( # XXXX ) and she stated she doesnt have any paper work and cant provide any paper work to me. 

card number ... XXXX member since..XX/XX/XXXX  valid thru ... .XX/XX/XXXX account closed on ... XXXX or XX/XX/XXXX