Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

In XX/XX/XXXX, I took out an unsecured loan to help finance aircraft rental. The lender was XXXX XXXX. The rental company was XXXX  ( XXXX XXXX XXXX ) located in XXXX, FL. I fell on hard times and was unable to repay the loan. XX/XX/XXXX the account was closed. 
XXXX is reporting to the credit agencies that this was an education loan. In no way shape or form was this an education loan. XXXX  is not an accredited college or university. No degree was ever offered or obtained. 
As such, as of XX/XX/XXXX seven years has passed. This is the limit of ability to report and or a line item to remain on a persons credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX XXXX believes that I should have been notice from XXXX XXXX XXXX XXXX that there was a balance to my account. I simply have no idea how this balance could be so large. However, XXXX is a public utility, and they are governed by a state public utility commission, not by federal Fair Credit Reporting law. Accordingly, I request a full accounting of the XXXX debt, in addition to a signed agreement or assignment from XXXX to XXXX XXXX XXXX XXXX XXXX If there was never a true assignment, then the collection has to start from scratch, and I must be given notice that XXXX intends to turn the matter over to a collection agency. This item should go through the proper legal procedure before its placed back on any of my credit reports. I request Equifax and XXXX to mandate from this subscriber to follow the proper collection procedure as stated in FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

THIS ITEM NEEDS TO BE DELETED AND GO THROUGH PROPER PROCEDURES AS MANDATED THROUGH THE SUBSCRIBER AGREEMENT XXXX HAS WITH EACH CREDIT REPORTING AGENCY!
Complaint sub-issue: Other problem

I have a tour company and I use citi credit card to purchase airline tickets. Because of the coronavirus recently, I am getting a lot of air tickets cancelled and the money keeps returning to my credit card, so the balance became negative and the amount citi bank owe me keeps increasing. 
On XXXX, the balance was around XXXX so I called citi bank to requested a refund to my checking account. 
On XX/XX/XXXX, I messaged citi bank to ask about the progress and was told the refund request was declined because of the amount requested was larger than the amount they owned. They were lying because the balance was around XXXX when I called. 
On XX/XX/XXXX, I messaged citi again and ask them to send a refund of XXXX to my bank account. My company is suffering from the impact caused by the coronavirus so we need the money desperately. 
It's XX/XX/XXXX today and the balance is now around XXXX and I still haven't received the refund. 
During such a difficult time for everyone, shame on you citi bank!
Complaint sub-issue: Their investigation did not fix an error on your report

I provided a letter from the courts indicating they do not verify or validate bankruptcy, yet Equifax keeps sending a notice to the CFPB indicating the bankruptcy has been verified.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Chapter XXXX a negative remark on my credit report Equifax Refuse to remove the account. I never had that bankruptcy and I inform them of that but they refuse to listen. XXXX and XXXX removed it from my account.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX/XXXX   XXXX {$590.00} XXXX XXXX XXXX   XXXX {$1300.00}
Complaint sub-issue: Their investigation did not fix an error on your report

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts from my credit report : US DEPT ED XXXX Balance : $ XXXXUS DEPT ED XXXX Balance : {$28000.00} XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX acct # XXXX, has violated my rights. 
15 USC 1681 section 602 A states I have the rights to privacy. 
15 USC 1681 section 604 A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681 ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Attached in the complaint is a copy of the debt validation I received from XXXX, which shows on my credit report as a ( charge off, charged off as bad debt ) which was sent to a collection agency and on XX/XX/2021 was settled which is the other document attached. The other document attached is from XXXX XXXX which shows the account was settled on XX/XX/2021. I have been trying to get XXXX to recognize this for over a year now and update my credit report accordingly. Now that time has past here is the evidence and the laws of the constitution that must be abided by. Now is not the time to update my file I want the account DELETED from my credit report in full.
Complaint sub-issue: Their investigation did not fix an error on your report

See attached letter to Equifax. See enclosed certified documents from the account in dispute ( XXXX XXXX ). This lender 's documentation confirms that the balance can not be validated. See page 3, the balance shown is {$3000.00} while page 6 shows {$3700.00}. Which balance is due? No one knows. In addition, the lender admits that the documentation for payment history does not align with dates of payment, as stated on page 1, paragraph 4 from  XXXX XXXX. Furthermore, page 3 of the document from XXXX XXXX shows payments in XXXX, XXXX, XXXX, and XXXX of 2020, page 6 shows payments for only XXXX and XXXX of 2020 ; my credit report shows " Negative '' payment history for XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of 2020. However, actual payments were made in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of 2020 by the primary account holder. Obviously, as XXXX XXXX admits, the payment history does not align with documentation. 
According to federal law, the consumer is not responsible to maintain the appropriate records for payment history and balance. This is the responsibility of the lender. To comply with the Fair Credit Reporting Act, the account should be removed from my credit report since the account information can not be verified.
Complaint sub-issue: Public record

went to Equifax site and looked at my report and noticed bank cards in my bankruptcy had DATE REPORTED, this year and last year, I did my bankruptcy 5 years ago and have had good credit since. Then tried to click on the complaint key and got knocked out and ca n't get back to get my report. 
Thank you
Complaint sub-issue: Information belongs to someone else

I am a natural person and federally protected consumer. I am responding to your email contact about a alleged debt you are attempting to collect. You contacted me by email on XX/XX/2021. You identified the alleged debt amount as {$11000.00}. 

In pursuant to 15 U.S.Code 1692a ( 3 ), the term consumer means any natural person obligated or allegedly obligated to pay any debt. The term creditor means any person who offers or extends credit creating a debt or to who debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. I am the natural person that extended the credit meaning I am the original creditor. 

In pursuant to 15 U.S.C 1692b ( 2 ), Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. Great Lakes Services has violated federal law by stating that I owe an alleged debt. Im pursuant to 15 U.S.Code 1692g, I am demanding validation and documentary evidence of this alleged debt. 

In pursuant to 15 U.S.Code 1692c ( c ), Please stop all communication with me and with this address about this debt. I am demanding that you remove this account from all major credit reporting agencies. 

Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit reporting agency ( or have already done so ), also report that the debt is disputed.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021, XXXX XXXX, Account # ( XXXX ) added a derogatory mark on my credit report per XXXX credit monitoring service. Upon, further research, this account was transferred/sold by the original debtor, and I am not responsible for the account. Debtors ' creditor did not verify this collection and the information contained as accurate. Also, there was NO written form of communication, contract or signature for this accused debt. A bill without a signature does not validate the debt and the information contained within this collections account contains false/inaccurate information, which has been furnished too the credit bureaus illegally. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My complaint is about CITI CARDS CBNA and XXXXXXXX XXXX XXXX. I noticed 2 unknown, unrecognized inquiries on my credit file. I have contacted both companies to remove this inquires dated, the first one is dated XX/XX/2021 and the next is dated XX/XX/2021. 

Because I did not apply for credit with CITI CARDS CBNA, I have also reached out asking that they remove the inquiry from my credit profile, the contact address i reached out was XXXX XXXX XXXX XXXX XXXX, SD XXXX. The address attached to the inquiry. 

Please launch an investigation into CITI CARDS CBNA inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if CITI CARDS CBNA is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter.
Complaint sub-issue: Investigation took more than 30 days

I'm very upset! My underlying reaction to the inaccurate thing on my acknowledge report sent as expressed in a previous message on XXXX. Today is XXXX. Regularly by law, you should react inside 30 days. During these troublesome occasions, all of you have been given an augmentation which I comprehend. In any case, it has been above and beyond the expansion time frame given. I have exhorted you on in excess of 3 distinct events. I'm beginning to accept this is a slow down strategy on you all 's end. I request your organization eliminate this mistake from my credit report or face suit. In the event that you don't eliminate this mistaken data quickly I will document a formal complete with the Government Exchange COMMISSION! I'm staying aware of the entirety of my reports and types of correspondence with you on this matter simply in the event of recording an objection with the FTC on the off chance that you keep on choosing not to participate. In Wenger v. Trans Association Corp., No 95-6445 ( C.D.Cal.Nov. 14, 1995 ), you will be considered answerable for your choice not to not consent. My family and I are being compelled to pay higher loan fees and denied by numerous organizations when attempting to buy important necessities to get by during this troublesome financial period. On the off chance that your next reaction to me is anything but a unique application with my mark on it or a letter expressing that the deceptive data that is disregarding the Reasonable Credit Detailing Act isn't erased I will proceed with my FTC objection. As shown by the Reasonable Credit Revealing Demonstration, Area 609 ( a ) ( 1 ) ( A ), you are required by government law to affirm, through the real check of the primary stamped purchaser contract, all records that you post on a credit report. Else anyone paying for your specifying organizations could fax, mail, or email in a bogus record. I interest to see apparent proof ( i.e. : a novel buyer contract with my imprint on it XXXX that you have on the archive for the record recorded underneath. 

Your powerlessness to firmly check these records has hurt my ability to procure credit. Under the FCRA, wrong and mysterious data should be erased from a buyer 's credit report.
Complaint sub-issue: Account status incorrect

THE XXXX XXXX ACCOUNT AND XXXX XXXX XXXX XXXX ACCOUNTS HAVE BEEN PAID IN FULL. PLEASE REMOVE THE ACCOUNTS OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair credit reporting act XXXX  account MONEYLION INC, has violated my rights. 15 USC1681 Section 602 states i have the right to privacy. 15 USC 1681 SECTION 604 A SECTION 2 : Also states a consumer reporting agency can not furnish a account without my wrrriten Instructions. 15 USC 1666B : A credtior 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: Problem with personal statement of dispute

In XX/XX/XXXX I was late on one payment. Called my XXXX XXXX to get options. They said I have none. Called again they told me I could do a trial loan modification. Started the process. Was told I would need to pay 3 months and it wouldnt affect my credit score. Also that I could choose to not do it at the end. After 3 months the company went silent did not respond to my calls or email or inquires for help about next steps. Then was told I failed to make 4th payment and have to start over. Called over 5 times looking for call back from manager no responses. Covid hit was told I had to go in forbearance and not do another mitigation because they werent doing them at that time. Was told it would not affect my credit. Called for several months asking when I could comeplete the modification. Finally was able to complete the modification in XXXX. Completed the 4 months. Company told me that my credit report would be changed to reflect payments. I have been making payments continuously only during the 6 month period of forbearance. Was told I had to do forbearance or pay an amount that equates to like XXXX plus interest and not the original debt of the past due payments. I have attempted to email and all this company to fix the errors of the months they are reporting I did not make a payment when Im fact I was making payments under the trial modifications and in a period of forbearance. I was given misleading damaging information that almost out in to bankruptcy and foreclosure from one late payment. I was told during that one month of a late payment my only option was a loan modification which is untrue. Ive asked them to pull the calls several times. I would have not entered into any agreements without the false and misleading information from their staff. Now I am showing that I have not maid a payment since XXXX when in fact I have been making payments. They refuse to investigate or fix their mistakes. They have been made aware of my complaint for 2 years now and have failed to act or remedy the situation
Complaint sub-issue: Information belongs to someone else

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX  XXXX .... Balance : {$310.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXX Balance : {$61.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXXXXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX  Date of request XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX ; XXXX Requested On XX/XX/XXXX ; XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX XXXX Requested XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report on XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax / XXXX / XXXX has not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX Account XXXX I believe it was reported in error XXXX XXXX XXXX XXXX Balance : {$13000.00}
Complaint sub-issue: Old information reappears or never goes away

This account XXXX has been on account for over SEVEN years.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Complaint sub-issue: Can't use card to make purchases

I purchased a {$100.00} XXXX gift card from XXXX XXXX stores on XX/XX/XXXX receipt saved ). 

On XX/XX/XXXX, with the card still in its original packaging, we went to use it at a XXXX XXXX. We were told that there was only {$1.00} left on the card. Since we have not used the card and the card was in its original package, we immediately went online to look into the matter. 

We found out that the gift card ( see printout ) that the card was used for 4 separate orders for XXXX purchases dated between XX/XX/XXXX and XX/XX/XXXX totaling {$98.00}. We also determined that there was a name linked to the account XXXX XXXX. This happened while the card was still in my possession in the original packaging. 

On XX/XX/XXXX, we went to file a police report with the XXXX Police, which is the city in which I live. The police report number is XXXX. If needed, I can obtain a copy of the report but, at this time, not willing to spend the {$15.00} required to obtain the report. However, I have told the police that I do want to press charges in their investigation is over. 

Also, on XX/XX/XXXX, I visited the XXXX on route XXXX in XXXX and spoke with the Manager. He stated that he never encountered any problem with any gift card sold from the XXXX store and, since these was a third party gift, there was nothing he can do. 

I called the toll-free number on the gift card and they said that I needed to fax a letter and corresponding documents to Lost/Stolen Card Request. I faxed on XX/XX/XXXX and XXXX. The credit card customer service person told me that they would have an answer by XX/XX/XXXX. On XX/XX/XXXX I called and they said that there was no movement on my case. 

I am confused as to how this happened. I could see if I lost the card or gave it to someone, but the card, in its ORIGINAL packaging, was in our possession the entire time after purchase. 

As of now, I am out {$100.00} ( minus the {$1.00} ) that was left on the card for the XXXX XXXX purchase and the activation fee. This will certainly not break me, but I am frustrated by the lack of progress, time spent on trying to figure out how the fraud happened, and that XXXX, the Police Department, and XXXX XXXX XXXX company has been basically unresponsive. 

I have faxed and am attaching the letter, the front and back copy of the card, receipt, activation receipt, the original packaging, and the online form in a fax. If you could help me or provide any advice, I would appreciate it.
Complaint sub-issue: Account status incorrect

In XXXX, I filed for Forbearance and did the extensions in XXXX. I was XXXX month behind at the time of the initial filing which is why I needed the forbearance. I was lead to believe that payment would be included in the forbearance. 

Every month LoanCare reported the loan as XXXX  days late in accordance with that missed payment that should have been rolled into the forbearance. 

Every month Loancare accrued interest on that payment and forced collections on it once the forbearance period was over.
Complaint sub-issue: Was not notified of investigation status or results

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX XXXX XXXX / {$0.00} / XX/XX/2022
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.