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

I submitted a complaint on the cfpb website stating thaXXXX XXXXt is in violation of the cares act. The cares act is meant to protect consumers from having their credit score hurt XXXX XXXX who works for XXXX  hasn't addressed any of my complaints. The Fannie Mae website promises consumers that id they choose to go into the covid forbearance plan... It will not affect their credit scores and the WILL be able to refinance in the future if they make 3 successful payments once out of forbearance My rights are being violated. 

XXXX ... Where is your heart? 
I was sick with covid in the hospital. 
I'm an honest consumer who never had a late payment ever since 2015 What is XXXX gaining by braeking the law and reporting me 120 days past due when I have made 5 consecutive payments in a row? 

Do you like to torture your customers? 

Does it give you please when an honest hard working man needs to have a low credit score and pay higher interest on credit cards when he was promised that forbearance wouldn't hurt his credit score? 

Do you enjoy breaking the law and causing me not to be able to refinance since I'm marked as 120 days past due? 

You surely have heard of goodwill credit report deletion? 

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 

I have completely complied with all payments since exiting forbearance ... I am asking you as a goodwill gesture to stop damaging my credit as the US law ensures that those exiting forbearance will not be negatively affected and will be able to refinance.
Complaint sub-issue: Investigation took more than 30 days

In accordance with the fair credit reporting act XXXX Acct # XXXX, has violated my rights 15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Can't use card to make purchases

On XX/XX/2021, I tried to make a transaction with the credit card on XXXX ( XXXX website in XXXX ). After entry of my credit card details into the website, the XXXX secure was activated. I was transferred to the website of citi ( with a citi logo and progress bar ) saying the transaction is being verified. However, the transaction was declined. 

This is not the first time this thing happened. On XX/XX/2021, I tried this card with XXXX XXXX for an online transaction, same error. 

I called citibank today trying to ask citi to investigate why this would happen, but only got unhelpful responses - customer service agents did not seem to know what had happened, and they were not listening to their clients at all. I asked to speak with supervisor, and was assigned XXXX, not helpful either. Ref no : XXXX
Complaint sub-issue: Information belongs to someone else

I recently pulled my credit report and discoved several accounts that do not belong to me. I have listed the fraudulent accounts below XXXX - XXXX Dept of the threasury XXXX First XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following information does not belong to me
Complaint sub-issue: Information belongs to someone else

I am trying to buy a house and get a new job and the information that is on my report is inaccurate and unknown to me. Addresses and names and information on all three agencies XXXX, XXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX , OHXXXX XXXX, XXXX, OHXXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH : ( 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 XXXXXXXX XXXX XXXX XXXX
Complaint sub-issue: Company closed your account

Citibank NA closed all XXXX of my credit cards accounts that I have with them. 
Their reason was that " there was a suggestion that I was indicted for fraud ''. 
My company had a billing problem that resulted in an initial indictment against me. However, the court dismissed the charges and I was not charged with any wrongdoing. 
Citibank decision to close all my accounts was therefore unfair and discriminatory.
Complaint sub-issue: Information is missing that should be on the report

Credit Reporting Agencies have deleted positive loan accounts from XXXX ( auto loan ) and all my student loans from history.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I submitted a request in XX/XX/2020, to remove inquires that was not mines or I never inquired. These inquires are not mines. I sent a second letter the next month XX/XX/XXXX. with no change. I recently sent another letter in XX/XX/XXXX deputing and still no change.I need for some one to adhere to claims since there is no help from them XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance witn the Fair creair reporing act. The List or accounts berow nas viorared my rederally protecred consumer rignts to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXXXXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATION/XXXXXXXX  XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followinc 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: Account information incorrect

My credit reports generated by XXXX and Equifax on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX XXXX XXXX No : XXXX clearly suggest conflicting informations of 1.High balance and 2. Last activity which are inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name XXXX Equifax High balance {$0.00} $ XXXX Last activity XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Complaint sub-issue: Information belongs to someone else

These are not my accounts. Please remove them from my credit.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft.
Complaint sub-issue: Trouble with how payments are being handled

My daughter 's student loans ( I'm the cosigner ) have recently been transferred from XXXX XXXX to Firstmark Services. Many letters were received but none referenced her new XXXX account number. I mailed a personal check on XX/XX/21 ( the check was dtd XX/XX/21 ) to the specified XXXX XXXX in XXXX XXXX. Along with the check I mailed detailed information ( personal info for my daughter so they could identify her account ). This check cleared my bank account on XX/XX/21. I've repeatedly contacted XXXX 's customer service dept. by phone asking them to post this payment against the account ( it is showing past due and I'm receiving emails multiple times per week threatening to report this late payment to my credit ). After asking to speak with a supervisor I was told on XX/XX/21 that the only way they would do anything was to upload proof of payment to their portal. I did this on XX/XX/21 and this has been acknowledged on every call to them since. They still, however, have not posted the payment. Each time I call I get a different promise date for posting. Today I was told that they couldn't give me a date for it to be posted as these matters are handled in the order in which they are received. The customer service person told me this would not be reported to my credit or my daughter 's credit but when I asked for that in writing she said she could not provide that. The payment was due on XX/XX/21.
Complaint sub-issue: Account information incorrect

Equifax is still reporting information it suspects to be inaccurate. I made Equifax aware of conflicting information being furnished by XXXX XXXX XXXX. The evidence I provided Equifax clearly showed a major discrepancy in the amount of debt that is actually owed and the status of the account. I also provided evidence to Equifax showing my attempts to have the debt validated directly with the data furnisher. XXXX did not provide any documentation to validate the debt they are reporting to Equifax and other third parties. Even after making Equifax aware of the fact that the data furnisher is not following the Fair Debt Collection Practices Act or the Fair Credit Reporting Act, Equifax is still willfully reporting the information. <P/>I have attached the credit report provided directly by Equifax to this complaint to display they are in fact still reporting the information, they know has not been validated and have received evidence of inconsistency. <P/>This inaccurate information is hindering my ability to secure necessary financing for a major business acquisition. I am the CEO of an investment conglomerate and my personal credit is being considered for the business loan.
Complaint sub-issue: Problem during payment process

On XX/XX/XXXX a payment was issued from my title company via check in the amount of {$8400.00} to Macy 's Credit Card services. The check was to pay-off my account balance from a refinance on my home. Macy 's received the check and posted it ( cashed it ) on XX/XX/XXXX. The money never was posted to my account. After calling Macy 's customer service they can not find my money. Macy 's misappropriated the payment. I provided them a copy of the transaction from the bank to confirm the payment belonged to me with my account number and filed a dispute with Macy 's. To this date, XX/XX/XXXX, no one will provide me any information. They only say that it is being investigated and can take 30 days or longer! I have asked them to credit my account for the amount I paid. I can never speak to a manager, no one provides me any information! PLEASE, I NEED HELP with this issue. This is a lot of money!
Complaint sub-issue: Problem with fees

I received a cash advance XXXXXX/XX/XXXX for {$1600.00} + {$88.00} fee. I wanted to set up a XXXX month payment at that time I was told I could do so. When the {$1600.00} was sent to my account, I called member services and asked how do I set up the 3 month payment plan. I was told that I couldnt, only think I could do is make the payment through my current credit account. On XX/XX/XXXX, I made a {$550.00} + {$88.00} for the cash fee. Plus I made an additional {$200.00} on my regular monthly account. In XX/XX/XXXX, I made a {$580.00} interest included and again paid my regular monthly payment {$200.00}. On XX/XX/XXXX, I made the last payment of {$580.00} with interest, again making my regular monthly payment of {$200.00}. The total payment I made for the {$1600.00} cash advance was {$1700.00} with interest. So, Im still receiving a interest charge after paying off the cash advance in XXXX months. I was not told by any representative of US Bank they I would still have a balance and interest because my first payment of {$550.00} + {$88.00} fee, was not applied to the cash advance. I spoke with XXXX for for over an hour on XX/XX/XXXX, She finally had her supervisor, XXXX, come to the phone for him to tell me that my XX/XX/XXXX payment was not applied to the cash advance. It amazes me that they can separate interest fees, but not when you do a cash advance vs your regular credit card. I simply want the extra interest taken off my account. 
Thank you
Complaint sub-issue: Didn't receive enough information to verify debt

I have tried to remove a debt that wasnt signed for with Jefferson capital systems in the amount of {$660.00}. I have asked for my wet signature and they only return with verified debt
Complaint sub-issue: Their investigation did not fix an error on your report

re-aged account. date of delinquency changed on consumer reports
Complaint sub-issue: Problem getting your free annual credit report

I XXXX XXXX, the consumer in this matter. Requested my free annual consumer file in XX/XX/2021 from XXXX, Equifax and XXXX. Through their toll free number XXXX, thats on their website annualcreditreport.com. But I only received a file from XXXX. Equifax and XXXX failed to give me my credit file. I have attempted on numerous occasions to get my file. I signed up for Equifax for the free annual report ; but was only given the number of accounts I have on my file, not the full information that is in my file. XXXX only offers the report you have to pay for or it leads you back to the website they use together or annualcreditreport.com. I even sent an express overnight letter on XX/XX/2021 to them for my report and I have proof ; that they have received the request form in the mail but still, I didnt receive a file from Equifax or XXXX that is a violation of Title 15 USC 1681g ( a ) ( 1 ) ; Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request.
Complaint sub-issue: Account information incorrect

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX & XXXX Account XXXX XXXX Creditor : XXXX, XXXX.- Account : XXXX Creditor : XXXX  XXXX  XXXX- Account : XXXX Creditor XXXX XXXX  XXXX   XXXX- Account : XXXX Creditor : XXXX  XXXX  XXXX- Account : XXXX Creditor XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX- Account : XXXX Creditor : XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX- Account : XXXX Creditor : XXXX  XXXX  XXXX   XXXX Account : XXXX Creditor : XXXX  XXXX- Account : XXXX Creditor : XXXX  XXXX  XXXX- Account : XXXX This is a formal notice that your claim is disputed . I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. 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 this creditor.
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 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 a account without my written instructions
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have noticed some inquiries on my credit file that Im not aware of I contacted the bureaus they told me contact the creditors I did all that & I have been dealing with this mess for at least 3 months now. I have not heArd anything back from the bureaus or the creditors. I sent letters telling them to send me written documents verifying my ID signed contract and all showing who could do this to me and they never responded. Please remove these inaccurate inquires under the FCRA do not give me the run around or you will be fined under law for each inaccurate inquiry
Complaint sub-issue: Not given enough info to verify debt

I received a letter from XXXX XXXX XXXX regarding a debt from Jefferson Capital Group with a description of debt being XXXX. I wrote a letter requesting a copy of the accountholders agreement to verify the debt which I would have signed back to XXXX XXXX XXXX within the 30 days.40 days come and went and I never received a response. At this point I figured they could not supply the required documentation and left it alone. As of XXXX XXXX 2016, Jefferson Capital Group has now requested a summons from the court in order to solicit a judgment against me for this unverified debt for which the agency they hired failed to answer the requested letter I sent. According to research this tactic is how they get judgments against consumers which can negatively affect there financials.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On numerous occasions my credit was ran with companies without my consent and knowledge.
Complaint sub-issue: Their investigation did not fix an error on your report

I called XXXXEquifax after I purchased a credit report with XXXX on XX/XX/2022, After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was erroneous reporting on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/2022 I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX XXXX XXXX Balance : {$27000.00} Late payment status late will be fixed.
Complaint sub-issue: Information belongs to someone else

I recently conducted a review of my Equifax credit report, and I noticed that their agency showed Nine ( 9 ) credit inquiries that I find to be problematic which may be due to a breach of their system. 

The first inquiry in question was apparently made by XXXX - XXXX XXXX XX/XX/XXXX. XXXX XXXX from XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. 
Along with ACCOUNT XXXX XXXX ( NOT MY ACCOUNT ) I have no recollection of doing any business with the listed. 

I contacted Equifax and asked them to take action to get this inquiry and Account removed from their records and to erase any record of the inquiry. They told me they CAN NOT. 
Which has prompted me to Complaint here and prepare to file a lawsuit? 

Please investigate/Remove these inquiries and Accounts at your earliest possible convenience or I will go forward with my lawsuit. 

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to this matter,
Complaint sub-issue: Information is not mine

This is my 4th time writing Equifax to block these accounts on my credit report. I did not open these accounts, apply for them, obtain them, maintain them or make any payments whatsoever and they have failed to # 1 prove they belong to me # 2 provide any documentation whatsoever # 3 provide a document with my signature on it that proves that I ever agreed to pay it # 4 block this information and # 5 do any sort of investigation into the matter. 

I do n't care that these accounts are positive - they do NOT belong to me and someone obtained my information and opened these accounts! These must be blocked from my credit report! Congress states that the credit bureaus must go beyond the original source of information once I notify them that their investigation results are incorrect and the burden lies on THEM and NOT me! 

These accounts do NOT belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were NOT made by me : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX XXXX, 2017 these two accounts were deleted from my credit reports after a dispute I filed on both the accounts. Now both accounts have been added back to my reports without the bureaus giving me the proper notifications that they would be added back which is a violation of FRCA SECTION 611.
Complaint sub-issue: Their investigation did not fix an error on your report

I demand this account be deleted from my credit report, XXXX XXXX account is being reported with inaccurate information and after being disputed nothing has been done by the credit bureaus, leaving the innacurate information on my credit report is a direct violation of the FCRA, all information on my credit report must 100 % accurate and verifiable across all bureaus or be removed. 
1 ) inaccurate information being reported across XXXX and Equifax is as follows a ) high credit limit - inaccurate b ) credit limit- inaccurate c ) date last reported - inaccurate d ) date last active-inaccurate e ) date of the last payment-inaccurate f ) no notice of dispute on this account g ) payment status on XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX is being reported inaccurately which is a major violation of the FCRA and should be removed immediately.