Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

The reason I am writing to you is to inform you that This Company is not Adhering to Credit reporting laws in my Case. I sent my identity theft dispute to this company on XXXX. With my dispute, I attached all the relevant documentation to prove to them that I am A VICTIM OF IDENTITY THEFT. I know the law give this company around 4 to 5 days to completely block all fraudulent information from my report but until now, this company is still showing those fraudulent accounts. 
For yet another time, my personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my accounts. 

Below are the fraudulent charged accounts that I need to be removed Asap : 1.XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$600.00}, Limit {$500.00} I am attaching Required Documentation to prove that I am a victim ; 1. The letter I sent to this company as my dispute 2. My FTC report
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX
Complaint sub-issue: Old information reappears or never goes away

In XX/XX/XXXX I began my XXXX studies with the University XXXX XXXX XXXX, CA and completed this program in XX/XX/XXXX. 

I began my XXXX  studies in XX/XX/XXXX with University XXXX XXXX and completed my XXXX  studies in XX/XX/XXXX. 

I was also enrolled at the University XXXX XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX, for the for their XXXX  level XXXX XXXX XXXX XXXX, these credits were later applied to a XXXX degree in XXXX XXXX with the University XXXX XXXX in XXXX of XXXX, I completed this program in XXXX of XXXX. 

During this time frame I used part of my G.I. Bill for these programs along with student loans. I had a series of health issues that were not resolved while on XXXX XXXX that were later compounded that required me to request a deferment/forbearance of my student loans due to my inability to work. Some were granted to my knowledge whereas others were not, which I continued to resolve. 

Upon careful review and further evaluation by the VA my XXXX rating was increased to 100 %, which qualified me for the XXXX XXXX XXXX XXXX ( XXXX ) program for my student loans. 

On XX/XX/XXXX DOE directed XXXX XXXX and XXXX XXXX XXXX to suspend collection activities on my student loans until they could determine my eligibility for discharge. Effective XX/XX/XXXX, the DOE had approved my discharge of the federal student loans on the basis of my XXXX and XXXX  XXXX. 

In closing from the very beginning my student loans were never properly reported, some start dates began before I was even enrolled in school, which I attempted to address with XXXX XXXX. To my knowledge this was never corrected. 

Additionally, I have 24 trade-lines ( student loans ) that are listed as late or in default in excess of 120+/180+ days. In addition to these issues several of these same accounts have exceed their legal reporting periods of seven years, with multiple that are over 10 years. In previous communications via letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, XXXXU.S. Department of Education is in violation of Section 623 ( a ) ( 2 ) of the FCRA.
Complaint sub-issue: Account information incorrect

XXXX  XXXX XX/XX/XXXX ( XXXX yrs, XXXX mos ) Paid balance in full XX/XX/XXXX and still showing in my Equaifax and XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

On XX/XX/22 I requested a limit increase I have a fraud alert and no additional information was verified before accessing information
Complaint sub-issue: Information is missing that should be on the report

XXXX is not reporting an account on my credit report that is in excellent standing I have requested this account be put on my credit report. The account is XXXX. Having this account report would help my credit score
Complaint sub-issue: Debt was paid

I am writing because XXXX XXXX has sent my account to collections and the Collection agency reported me to the credit bureaus. I had moved and they sent the statements to the old address and I also PAID the balance. 

Also under the CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis, They reported me in XXXX, They need to REMOVE it from credit bureaus. I don't want them to JUST update it, they have to completely REMOVE it from ALL the credit bureaus or from the ones they reported it to. 

My score dropped significantly and I'm in the middle of getting a mortgage.
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 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 These are the accounts that are in violation XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX
Complaint sub-issue: Problem with personal statement of dispute

In early XXXX I submitted a dispute request to XXXX re : a debt showing on my report. The company Spot on loans AKA XXXX XXXX XXXX was a defendant in a class action lawsuit ( case no 3:19-cv-293 in the Eastern District of VA court ) . This class action lawsuit court docket states on page 2 section 3 that the suit applies to all consumers in the United States with loans that originated from XX/XX/XXXX to XX/XX/XXXX the loan I had originated in XX/XX/XXXX. Section 13 e of the court docket states that information will be removed from consumer 's credit reports- this case was settled on XX/XX/XXXX. This information has been removed from my XXXX and XXXX file already but not my XXXX file- XXXX has stated the creditor states the information is valid and per the outcome of the lawsuit - it is not I submitted a complaint to the XXXX also in early XXXX - again this account was to be to be removed from my credit profile due to a settled class action law suit- any account issued prior to a certain date would be forgiven due to the companies unfavorable lending practices. The company stated they would repurchase the debt from the collection agency and then retire the account. To date this has not occurred and the item is still appearing on my credit report. I have contacted the company numerous times- they always state they will request the update again. It is now going on the end of 3 months with no resolution. This is a copy of the e-mail from the company : Help at Spotloan XXXX Fri XX/XX/XXXX XXXX XXXX Dear XXXX, Spotloan has received a copy of the complaint that you filed with the XXXX. At Spotloan, we have high standards for customer service and take your complaint very seriously. Having reviewed the complaint, we understand your concerns regarding the credit inquiry with XXXX. In accordance with our customary practices, Spotloan sold your loan on XX/XX/XXXX, to an independent third party ( debt buyer ) unaffiliated with Spotloan after not receiving a payment from you in over 90 days. We never received a payment. Spotloan sold and transferred to the debt buyer all of our rights, title, and interest in this loan and has not attempted to collect on this debt since the date of the sale. However, due to your concerns, we have requested to buy back your account from XXXX XXXX XXXX XXXX XXXX. Once this is complete Spotloan will retire the account. We have also reached out to XXXX and they have confirmed that the inquiry for loan XXXX has been removed. If you have any questions, please contact me at XXXX. Sincerely, XXXX XXXX Contact Center Supervisor XXXX XXXX
Complaint sub-issue: Debt is not yours

XX/XX/XXXX : On XX/XX/XXXX, my husband XXXX XXXX died. I am his wife/widow and was appointed as his Personal Representative. I quickly notified Citibank of his death and subsequently provided it with the documents issued by the Court. Citibank assigned it to XXXX XXXX XXXX Services ( XXXX  ). XXXX advised in several phone calls that once the account was assigned to it, that ALL late charges and interest fees were frozen and that the amount owed was the amount due on the date of XXXX XXXX ' death. I asked and their representative could not tell about repayment deadlines. XXXX 's letter dated XX/XX/XXXX shows the amount owed on that date as {$4500.00}. I made payments to Citibank : XX/XX/XXXX : {$180.00}, XX/XX/XXXX : {$750.00}, XX/XX/XXXX : {$350.00}, XX/XX/XXXX : {$500.00}, XX/XX/XXXX : {$350.00} TOTALING : {$2100.00}. On XX/XX/XXXX I called XXXX & asked for a balance. Their Representative said the account was returned to Citibank in XX/XX/XXXX & gave me a phone number to Citibank Probate Dept. On XX/XX/XXXX I received a 1099-C issued to XXXX which shows a date of XX/XX/XXXX for {$4300.00}. I called Citibank & spoke to Representative # XXXX and asked how Citibank got the amount in the 1099-C because the amount didn't reflect the payments I made and NO ONE told me that it was going to be " Cancelled '' or that a 1099-C would be issued. She told me she didn't have any information & to talk to my tax advisor. I told her that suggestion was ridiculous and that my tax advisor would have NO information. I asked for a Supervisor or Manager. She said none was available. I asked for the name of someone somewhere that I could ask my questions & was referred to the Presidential Dept of Citibank in XXXX XXXX, SD which she said had NO phone number, NO fax number and NO email address. I sent a letter to the address on XX/XX/XXXX. Today I received a letter from Citibank dated XX/XX/XXXX which said the debt in the 1099-C was accurate and gave me NO other options to address my concerns.
Complaint sub-issue: Contacted you after you asked them to stop

I received a spam call from XXXX XXXX XXXX. He called to collect a debt on behalf of IQ Data International , Inc.. When I requested to have an invoice sent to me via email, he claimed that he could not grant my request but can tell me over the phone questions about my invoice and an invoice was sent to another address. I explained that I do not know him or feel he is trustworthy to rely accurate information. His call was spammed. He became very rude, speaking over me and threatening. IQ Data International , Inc is pulling my personal and private information unlawfully.
Complaint sub-issue: Their investigation did not fix an error on your report

Are unauthorized inquiries that hard to remove from a consumer 's Credit report? The Credit Bureaus have been neglecting their duty and have failed to comply with the FCRA section 605b and continued reporting the inquiries that I never made nor authorized anyone about these inquiries. I already sent twenty-six dispute letters to the Credit Bureaus requesting that they remove these inquiries completely from my Credit file. Upon reviewing my updates, these unauthorized inquiries are still being reported on my personal credit file. The XXXX, Equifax, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX
Complaint sub-issue: Application denied

Closure of account without prior notice On or about, two weeks ago, XXXX XXXX XXXX [ XXXX, herein ], president, suspended the checking account of Mr. XXXX [ cust, herein ]. Cust suffered some expenses due to the evil-closure of the account. XXXX gave the reason of : failure to provide the residence address ... Cust called to let XXXX know the cust had provided the residence address to XXXX, female rep, on or about : XX/XX/XXXX19. Cust gave the mailing address to use for mailing and the physical address more than three times. The reps do not care to insert the information. Cust told XXXX not to mail general mail to the residence [ physical address ] due to lack of adequate security for the onsite mail boxes which it is no surprise of how burglaries of mail boxes happens these days. 

Cust had gone into the bank and told the reps the residence address too. XXXX should be required to communicate with cust first before suspending the account. XXXX does not care how he treats an XXXX man. Discrimination was utilized in the fact the treatment for none-XXXX is different and the accounts would have not been suspended. 
... ... .. 

On or about : XX/XX/XXXX 19, Citibank denied my loan application without stating a reason why. My FICA score was about 701 and now it is XXXX. XXXX XXXX, executive response unit, said it may not be the fica. she said it may be other things. There is only one item which reports an erroneous debt which is already been challenged. Despite the item,, there were other financial institutions who opened credit cards which proves the one item was not a major factor. Especially when is common to see medical bills erroneously reported. Some financial institutions : XXXX XXXX ; XXXX XXXX ; XXXX  XXXX XXXX ; and the fact Citibank has a Debit Card. 

It is believed the reason why XXXX denied the credit card was due to XXXX and the fact a letter was written to XXXX to reduce his salary and the other 15 executives who gets paid more than $ XXXX or $ XXXX yearly. As a stockholder, it is a major concern of not being ripped off by top executives. Therefore the denial was XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019 Discover Financial Services were contacted by complainant due to incorrect XXXX XXXX Bankruptcy filing being reported to XXXX. Upon investigation, Discover found that the bankruptcy filing was intended to be added to a different account for a customer bearing the same name and same last four digits of the social security number, although the COMPLETE social security number, date of birth and mailing address DO NOT match. Discover verified with the complainant that the bankruptcy filing was a mistake and reinstated the complainant 's credit card account without penalty. Complainant was told that credit bureaus " should '' not be notified. 

On XX/XX/2019 the complainant filed an online dispute with XXXX due to incorrect XXXX XXXX Bankruptcy filing reported by Discover Financial Services. A full description of the situation was provided in the dispute. 
During XXXX XXXX investigation, they contacted Discover,  referenced the LAST FOUR DIGITS of the social security number instead of the COMPLETE social security number necessary to differentiate between the complainant 's account and another customer with similar SSN. Thereby, accessing incorrect customer account information. 

On XX/XX/2019 the XXXX investigation determined that the reported XXXX XXXX Bankruptcy filing listed in the complainant 's credit report was accurate and would remain on the credit report for seven years. 

On XX/XX/2019 complainant contacted Discover and spoke with Customer Service Supervisor, XXXX ( employee ID # XXXX ) from XXXX, who verified the complainant 's account using the COMPLETE social security number, notified the complainant that a separate investigation would be opened with a " back office team '' who " should '' report their findings directly to XXXX   and correct the incorrect credit report. XXXX stressed the importance of investigators using the COMPLETE social security number in order to access the correct customer file throughout the investigation. XXXX claimed that he was UNABLE to provide the complainant with any documentation that reflected the inaccuracy of the credit reporting and the lack of a XXXX XXXX Bankruptcy filing on the complainant 's account. Therefore, the complainant has been unable to provide additional supporting documentation to the XXXX  dispute claim in order to rectify the problem. 

On XX/XX/2019 Complainant called XXXX dispute office to challenge the dispute, offering to contact Discover Financial Services on a conference call in order to ensure the use of the COMPLETE social security number being used to access the correct account information. That request was denied. Instead, credit monitoring was offered for future protection of my social security number and accounts. Complainant was notified that additional investigations could take up to 30 days.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I made a purchase on line to a trial merchant the items was eye cream & Face cream. the items did not work out and I called and canceled with in their time frame that was given to the costumer, their was to only be a charge for shipping of each item through the same company but separate shipping cost. One was {$4.00} and the other was {$5.00} but after I had canceled they must have immediately shipped out more product and when that was delivered to my address I checked my credit card charges on line and discovered They charged to my Visa credit card through U.S.Bank {$89.00} & {$86.00} for the initial shipment pulse {$92.00} that I had received on  XX/XX/XXXX . I called the company and told them I had called and canceled within their time frame and should not have been charged, and that they had sent out & charged another fee of {$92.00}. I then called the U.S.Bank visa credit card company and explained it all and said I was disputing the charges & I 'm fighting the credit card.
Complaint sub-issue: Information belongs to someone else

FCRA Violation personal information not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCRA Violation credit cards not mine XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violation credit card payments never late XXXX XXXX FCRA Violation other loans not mine XXXXXXXX XXXX XXXX FCRA Violation hard inquiry not mine XXXX XXXX XXXX FCRA Violation public records not mine XXXX  XXXX Bankruptcy : Bankruptcy XXXX  XXXX Bankruptcy : Bankruptcy XXXX XXXXXXXX : Bankruptcy XXXX  XXXX : Bankruptcy
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 - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX  XXXX - Account # XXXXXXXX XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  - Account # XXXXXXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account ending in # XXXX XXXX XXXX Account ending in # 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 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: No notice of investigation status/result

I was not properly notified of debt. I was not given the chance to dispute the validity of the debt.
Complaint sub-issue: Account information incorrect

Hello CFPB, I am a recent XXXX XXXX from XXXX University. Since I was relocated here as a XXXX at risk, I can not go back home ( XXXX ) because of the ongoing political crisis. So, until I get a professional job ( XXXX & XXXX ) I do any job to pay my bills on time and earn a living. Most of my credits are set on automatic payment and are paid timely. My credit score has been above 700 until recently and I was informed yesterday by XXXX XXXX that my credit score fell to XXXX due to some negative credit factors including late payments ( I forgot to pay an XXXX travel loan payable on the XXXX and paid it on the XX/XX/XXXX and reported. ) One major factor is, I was told, a closed XXXX store credit account which a XXXX saleswoman prompted me to open ( i did not go to XXXX that day to open a credit account ) and I told her there and then on her registry line ( to the same cashier before I left the store ) to close the account she ppened by my name because I did not plan to have a XXXX ( or any credit account ) for whatever reason. Either the saleswoman did not close the account she told me she closed it or XXXX systematically keeps open closed accounts to collect debts it does not deserve. For this wrong doing and exploitation/abuse, XXXX is accountable. 

I called XXXX XXXX yesterday, XX/XX/XXXX, before XXXX and they told me to file dispute on my behalf. However, what XXXX did has a negative impact to worsen my already stiff financial situation. Whether or not my credit score will be fixed, I never back away from holding responsible for their own wrong doing and for keeping open a closed account and reporting me falsely and claiming unfairly that I owe them debts. 

Happy holidays! 

XXXX XXXX XXXX XXXX, IN