Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act 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: Can't get other flexible options for repaying your loan

I've been faithfully paying on my federal student loan for years but HARDLY anything go to my principal. I would like to pay the same amount while it applies to my principal otherwise I will have this loan forever.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Mortgage Service, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Reinserted previously deleted info

A collection on my report needs to be removed.
Complaint sub-issue: Debt resulted from identity theft

As far back as XXXX XXXX I have experienced identity theft and after reporting a opening of an unknown account that was opened in my name in XXXX XXXX, I reported all incidents and attempted incidents to the police. 

In attempts to clear my credit I requested assistance to the CFPB and completed and forwarded XXXX fraud packet as requested to XXXX the original creditor as well as the police report and too date, I have had no response or communication from the original creditor or its collection agent and its still being reported by XXXX ; XXXX and XXXX credit bureaus. 

My previous dispute was initiated because this account was opened fraudulently and i am a victim of identity theft. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.
Complaint sub-issue: Debt is not yours

This company is trying to collect {$97.00} from me for a debt they claim I owe. I have written them several letters since XX/XX/2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2020, I disputed medical bills from National Recovery showing on all 3 of my credit reports. They came back to me as verified. On XX/XX/2020, I wrote to National Recovery requesting how they verified these accounts as mine, specifically asking for the document showing my signature for service and asked them for the HIPAA release as well, as you can see on the attached documents, they received specific treatment information about me. 

The following issues arise : 1. When the credit bureaus notified me that the accounts were verified, National Recovery simply sent me copies of the bills.

2. When requested their Method of Verification from National Recovery, they simply re-sent copies of the bills.

3. National Recovery has not, nor do I believe they are able to, verify that this debt ( s ) is indeed mine to pay. However, they remain on my credit reports as negative accounts.

Under code 15 USC 1692g Sec. 809 ( b ) of the FDCPA, I have the right as a consumer to request competent evidence, that I owe this debt. A copy of the bills is not competent evidence, as I can make those up myself.
Complaint sub-issue: Company closed your account

I am XXXX and need a credit card for emergency situations. Discover Card has continually reduced my credit limit from a maximum of {$15000.00} ten years ago to {$500.00} recently. My credit score has remained fair to good. recently it was XXXX. I have 100 % payments on time. I have had this card since XX/XX/1989, one of my longest. I used to use the card frequently, but since it has been gradually reduced to a {$500.00} limit, It is not useful for any travel or car rentals. Hardly anything except for small purchases, and it is not my go to card, primarily due to the low limit. I have a XXXX  XXXX XXXX Visa XXXX with a limit of {$25000.00}. I have several other cards as well. So in the past couple of years, I have it as a backup, and not used. Discover Bank is therefore not making any fees or interest on it. That is the real reason they canceled my card, for lack of use. If they can't make any money, they don't want me as a customer. So then they look at my credit report and analyze it for any possible reason to get rid of me. The Key Factors they used for this decision are vague and several or not correct. Furthermore, if I were younger or used the card more, they would not have done this action. It is not as though I really need this low limit card, but the way they have done this is unfair and discriminatory. I am claiming age and XXXX discrimination in this denial of credit.
Complaint sub-issue: Information belongs to someone else

I Decided to check my Credit, because I Interested in buying a house for me and my Family I notice that there are Accounts that I did not Authorize someone must have used my Person Information without my Consent this is fraud and I want something done about this these people should not get away with this
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have right to privacy 15 U.S.C 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Complaint sub-issue: Account information incorrect

Please forward the information to Synovus Bank and First Progress. Thanks!
Complaint sub-issue: Debt was paid

I have a closed XXXX XXXX XXXX internet account with hardcopy final bill balance stated as {$0.00} and closed. Enhanced Recovery Company contacted me nearly 1.5 years after the account was closed and claimed I owed {$180.00}. I sent them a certified letter with copies of my final XXXX XXXX XXXX bill showing them that they were making an error. Enhanced Recovery Company then sent negative reports to the credit bureaus within 20 days of their initial contact. I have sent Enhanced Recovery Company XXXX certified letters trying to clarify and get this off my credit report but they do not respond to my demand of validating the debt and any papers that show I actually have a debt.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Again, I've been contacted by XXXX XXXX XXXX and threatened with legal action by a lady named XXXX. I told her the first time that she called me that I was not to be called at work and she continues to harass me and then laugh when I tell her it's unacceptable and needs to stop.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

l was traveling abroad and went to a restaurant/bar. The bill was high, but since this was in XXXX I approved a transaction for {$520.00} on XX/XX/2018. This charge never posted in my account. However, 8 charges totaling {$3600.00} posted on my account under a different name in XXXX XXXX XXXX, but with a merchant called XXXX. 

Citi fraud department gave me credit for the fraud transactions ( XXXX 's statement ), but they reversed the credits a month later arguing I had provided my card details to the merchant. ( Because I mentioned the transaction that didn't post ). They also said that even though the charges were for a place called XXXX ( which I never visited ), this business belonged to the same company that I went to, which name was XXXX and that's why they reinstated the charges. They also said I didn't reply to the investigator when he attempted to contact me. I didn't reply to a phone call that I found out was from the investigator, because it was not a call from a bank number. I searched this investigator 's number on the internet, and the description showed as a spam number and not an official Citi line. I did reply in writing and by email responding to the questions they asked. 

Since Citi fraud reversed the charges, the investigator referred me to the Billing disputes department, and told me they had to handle the case because they do not consider it fraud. Billing disputes was able to get a hold of copies of receipts of the transactions in question and asked me to provide a response about these receipts. I responded stating that the signatures in those receipts were not my signature. Not only they were not mine, but they were all different. Billing disputes said that since the signatures were not mine, this was fraud, and the fraud department had to credit me for the unauthorized charges. The correspondence from Billing disputes to Fraud department states I declared my card lost or stolen, which I never did. I said there were unauthorized charges. 

I have been back and forth with this two departments without a resolution. It says I am not liable for payments for unauthorized charges on my account, but Citicards is keeping me in a never ending loop that is not getting a resolution.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello To Whom It May Concern, I must admit its very frustrating to have to have large companies just refuse to fix the problem in a such a high handed way. As XXXX, And XXXX are refusing to remove the following public record from my credit report. 
XXXX XXXX Bankruptcy Case Number : XXXX Ive been disputing this matter since XX/XX/2021. From XXXX 2021 the companies XXXX, and XXXX has claimed the public record, XXXX XXXX bankruptcy was verified by a company named LEXISNEXIS. they mentioned I needed to conduct my own investigation., After doing my own investigation from XXXX 2021, LEXISNEXIS agreed the XXXX XXXX Bankruptcy was not verified and, According to the FCRA law, the Bankruptcy was not verified in a timely matter, and was no longer accurate. It needed to be deleted immediately by all CREDITORS REPORTING THE INACCURATE ACCOUNT. I have provided the companies XXXX, and XXXX over and over with DOCUMENTATION stating the XXXX XXXX  bankruptcy is not verified by LEXISNEXIS, and needs to be deleted, Nor does the Bankruptcy Court report to Credit Bureaus. 

XXXX and XXXX are disregarding my documents from LexisNexis, and the bankruptcy court. As they are choosing to still report the inaccurate XXXX XXXX Bankruptcy. Although XXXX has DELETED the inaccurate information. XXXX and XXXX are causing deformation of my character as Im unable to get approved for new lines of credit and if approved for credit theres a high interest rate to pay. Ive filed complaint after complaint Im not sure what else to do. Ive been denied employment due to XXXX and XXXX continuing to report a inaccurate XXXX  XXXX Bankruptcy on my credit report. The companies XXXX and XXXX needs to stop giving me and LexisNexis a hard time disputing the bankruptcy.
Complaint sub-issue: Trouble with how payments are being handled

I have had to call XXXX times over the past few months trying to get my student loan refinance overpayment check refunded to me and so far they tell me the same thing every week that it is in accounting to be processed. I have been placed on numerous " rush order '' lists that are supposed to expedite the process, but nothing has moved in this time. Calls occurred on XX/XX/XXXX ( XXXX ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ). 

This was a refund check for XXXX $ so no small amount. That could have helped me pay my loans on time last month, but I had to make late payments due to this mishandling of the situation.
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/2022, I received results from an investigation with confirmation # XXXX of inaccuracies on my credit report. Since XX/XX/2022, I have been unable to receive a new detailed credit consumer report reflecting the deletions made. Instead, when I log in to my account online, a pop-up is displayed to call customer service and mention code BLNK. I have been on the phone with customer service at least 10 times, speaking with multiple supervisors who continue to ensure me everything will be updated and I will be able to purchase products offered by Equifax that allow me to view my credit daily. This delay has caused adverse action on my personal character as defined in Title 16 : : Chapter 1 : : Subchapter F : : Part 640 : : 640.2. This matter needs to be resolved responsibly and legally.
Complaint sub-issue: Didn't receive terms that were advertised

I opened an account with Citibank. The promotional bonus was for opening a new Checking and savings account with {$15000.00} and I would receive a bonus of {$400.00}. I waited the 60 days then another 90 days for the funds to be credited to my account. I followed all the rules and regulations. I was told the extra 90 days was over on XX/XX/2018. Then I was told they did not know why I did not receive a bonus yet and that they would check. They then told me over the phone and over their online chat support that I would receive it on the XXXX then the XXXX of XXXX. On the XXXX and the XXXX of XXXX a representative told me they would put in an inquiry into what happened with the promotions department. I called on the XXXX and the rep told me she did not know why it was taking so long and that she could not give me an explanation. I have called about 10 times or more and can not get this resolved. I do not know why they are doing this and fear it might be some type of discrimination. 

This is a very deceptive and predatory prate. My money has been in that account now for 6 months receiving a very small interest rate. I could have opened with another bank and received a better interest rate so now I am also missing out while I am waiting. Please assist me in Dealing with CITI Bank they are very unfair and unhelpful. 
Although it was not a requirement I enrolled in paperless e-statements yet they continue to send via mail at times. 

I am afraid they are doing all these things intentionally to avoid paying the bonus.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. These accounts were opened fraudulently.
Complaint sub-issue: Information belongs to someone else

On my report there is a closed account with missed payments. DISCOVER FINCL SVC LLC # XXXX Its not mine account. This account belongs to my ex wife. I no longer share finances with her, I want to ask XXXX  to remove it from my credit report.
Complaint sub-issue: Information is missing that should be on the report

I had a prepaid cell phone service with XXXX. I terminated the account with them and never received a bill and they placed my account in collections and it was reflected on my credit report. I paid that bill of {$240.00} off and I found another collection account, placed on my credit report, 2 years later under XXXX. I called and spoke with XXXX and they said it was for a cell phone that was n't returned. I have tried several times to return the cell phone an each time, I was told they could n't take the phone, because the account was a collection account. I called XXXX on XXXX/XXXX/XXXX to clear up, this second collection account on my credit, as I have no idea of why it is there. And I was told they could n't accept the phone again and they could n't discuss, my account with me. I was given a second number to call XXXX and the number was to a company ( MRS Bpo LLC ) a collection agency.I Spoke with a XXXX XXXX XXXX, he only wanted to discuss making a payment to a company, that was not on my credit report, nor I had never done any business with them. 

I reviewed my credit file again, there is no record of ( MRS Bpo LLC ) on my credit file, I have XXXX listed as a collection account for {$1400.00}. I paid my last bill and never received any other bill request for payment. 

Under the Fair Credit Reporting Act ( FCRA ) if it is inaccurate, it must be remove permanently. I do n't owe XXXX, nor XXXX XXXX XXXX, has damaged my credit file and XXXX is trying to defraud me and extort monies from me. I am requesting that the negative account be removed and any future business or contact by XXXX XXXX cease and desist. I have no business dealing with their company. 

I have attached several copies for my credit report, one showing I paid off the XXXX bill, after the account was closed and placed in collection, a second copy of the report, showing the second collection, showing up 2 years later and under XXXX and is what both parties are saying is correct. XXXX is not the debtor, but, it is listed under XXXX and not XXXX XXXX as of the date of this filing. Both parties are in v violation of the ( FCRA ) with inaccurate information. If they ca n't keep record of whom, the account is in control of, how can I as the consumer, have any idea of whom to pay or return the cell phone to, as I still have it in my care to this day. If the debt is for a cell phone, that was n't returned, then this is a easy fix, they receive their phone and release my credit file of the debt.
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX has agreed to delete this tradeline from my credit report. They provided AUD # XXXX as proof of the deletion.
Complaint sub-issue: Account status incorrect

As of XX/XX/XXXX I have 8 AES/XXXX backed student loans placed in default even though I was currently enrolled in College as of XX/XX/XXXX. The loans should have subsequently gone into a deferment status due to my enrollment status of full time. I have tried to dispute these erroneous closed accounts through the credit bureaus with no success. I have included documentation from XXXX XXXX University showing my enrollment date and status, yet I still have these default loans on my credit report. I have been actively rehabbing the erroneously defaulted loans while I have been disputing this issue with the credit bureaus. I have called XXXX XXXX XXXX  customer service multiple times, but no one seems to be able to give a roadmap to rectify this issue even though I have verifiable proof. I currently have other federal student loans in deferment due to my college enrollment, I am not sure why this wasn't done for these 8 accounts as well. Furthermore, 2 of these student loans accounts are reporting late payments after the erroneous default date of XX/XX/XXXX. I have enclosed screenshots of my XXXX Credit report showing a late payment reported for XX/XX/XXXX on one account and XX/XX/XXXX on another. These accounts were updated as XX/XX/XXXX with incorrect information on a closed and transferred account. How is it possible to be late on a defaulted, closed and transferred account? This is clearly a violation of the Fair Credit Reporting Act. I have been subjected to undue hardship based on the impact of these erroneous accounts being placed on my Credit Report incorrectly. This issue needs to be corrected immediately so that my family and I can move forward financially. 

Respectfully, XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXXBalance : {$0.00} XXXX  XXXX****Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX*Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX****Balance : {$0.00} XXXX XXXX XXXX  XXXX****Balance : {$0.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXXBalance : {$680.00} XXXXXXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$440.00} XXXXXXXX XXXX XXXX Balance : {$670.00} XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Complaint sub-issue: Problem with personal statement of dispute

I have a credit card from XXXX Citibank/Citicards for more than 4 years, I have this credit card on a payment program, due to COVID-19 situation I was not able to make the payment for the month of XXXX And XXXX, I called the company XXXX XXXX XXXX on XX/XX/XXXX explaining my financial situation because the hours on my job were reduced due to COVID -19 and it had a big impact on me economically. The company XXXX XXXX XXXX said they would give me deferment on the payments because they understood the current situation With the pandemic, they also stated I had to communicate with the back which was Citi to let them know my current situation which I did on XX/XX/XXXX, and Citibank offered me deferment on payments for the month of XXXX, XXXX and XXXX and no late fees would be provided or reported to my credit bureaus. A week later they reported it to the three credit bureaus as late for more than 30 days, which is unfair because they provided me a different information. 

I am a very responsible person with a credit history for more than 6 years and I have never had a late fee or payment on any of my accounts. 

The CARES ACT law signed on XX/XX/2020 states that any lenders should provide deferments on loans or credit cards and dont report any delinquency on peoples credit reports. 

I filed a dispute and spoke to the bank and they denied on giving me that information on the deferment on XX/XX/XXXX. 

I am seeking help so this can be resolved as soon as possible, I am willing to pay off the balance of this credit card in XXXX but I need this information to be deleted from my credit report.