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

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681 623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA, I don't have contractual relationship with this company. I don't recognize this Public Record. Please provide me the name and address of the original creditor.. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : Unverified account 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( 3 ) Certain public record information Except as otherwise provided insection 1681k of this title, aconsumer reporting agencyshall not furnish aninvestigative consumer reportthat includes information that is a matter of publicrecordand that relates to an arrest, indictment, conviction, civil judicial action, tax lien, or outstanding judgment, unless the agency has verified the accuracy of the information during the 30-day period ending on the date on which the report is furnished Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/19 I called on the phone for a free annual report from all three credit bureaus. I received my annual reports from XXXX and XXXX. I called again on XX/XX/19 and ordered my free annual report for just Equifax. It is now XX/XX/19 and I have not received or been contacted by Equifax.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Hello, I was involved in an accident where I was hit from behind along with damages and a totaled car. I am not responsible for the debt that they are saying that I'm responsible for. XXXX didn't send me anything. A third part collect is threatening to take my license and report to my credit
Complaint sub-issue: Trouble using the card to spend money in a store or online

my relia card account has been locked for a week..i have bills to pay and kids to feed ... i need my account unlocked ASAP
Complaint sub-issue: Reporting company used your report improperly

Im accordance with the fair credit reporting act XXXX XXXX Original creditor : XXXX XXXX Account XXXX XXXX has violated my rights XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
Account number XXXX has violated my rights XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
Account number XXXX has violated my rights XXXX XXXX  Account number 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: Overdrafts and overdraft fees

Charged overdraft fee on XXXX XXXX, but looking at order of transactions posting on my screen it made no sense. Called help center, they gave me a different order of transactions than what is on my end. Still made no sense. Agent says, " Oh, you 're looking at your screen right now? Let me switch my screens. '' Then the agents stops talking about " order of postings '' and switches to " lets do the math '' because you were overdrawn by XXXX cents. 
( I wont even go into how repugnant it is for a company to charge XXXX overdraft fee on {$0.00}, especially when you have three different direct deposits going in to that account, 1 weekly and 2 monthly. ) I interrupt, I say, " Ma'am, I know the math, but you assess you fees in order of posting and that is what I would like to address. I get overdraft fees and do n't call because I can easily see the order of postings. I am not letting this one go. '' She responds that she is not waiving the fee. So say, well there is really no reason to keep speaking with you. I ask for someone with the authority to do so, she said no one at the contact center would. I ask for a number or email of someone above her and she says I will have to go to my Branch. Which really makes me annoyed since whenever I go to a branch the always say to call. 
If I ca n't trust what my screen is telling me is the order of posting, if when fees are assessed the bank gets to talk about " batch posting '' and every time you call they say their own version of postings, when you click on a prior day 's postings they all say XXXX, how is the consumer supposed to trust the fair application of these fees? 
If a fee is assessed in error they still refer to it as waiving a fee, like they are doing you a favor. Courtesy waivers and rectifying an error are two different things. They should be treated differently.
Complaint sub-issue: Other problem getting your report or credit score

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS # ENDING IN XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Tried to reach out many times to get these issues taken care of with no luck
Complaint sub-issue: Debt is not mine

I was alerted by my credit monitoring that a collection account was placed on my XXXX XXXX credit report indicating I owed XXXX XXXX XXXX for XXXX. I have never had any type of service with XXXX XXXX XXXX. When I contacted the collection company, Enhanced Recovery Company ( ERC ), I was told that the address on the account was XXXX XXXX XXXX. I have never lived at that address. ERC never attempted to contact me in order to resolve this situation before it was unlawfully placed on my credit report. My address is XXXX XXXX XXXX XXXX Ga, XXXX. This has been my address since 2003. I attempted to explain this to ERC and the representative was rude and could not provide me any documentation to support their claim. I then contacted XXXX and they stated they had nothing on file with my social security number, and I did not owe them. I again contacted ERC to explain what XXXX XXXX XXXX told me, however once again they did not provide me any documentation to their claim. I asked to speak to ERC 's research department and they stated they would not contact me.This has come at a time when I am in the process of Refinancing my mortgage. ERC has violated my rights and will cost me financially by illegally reporting a collection account which they have fradulently reported to the credit company.
Complaint sub-issue: Need information about your loan balance or loan terms

I was notified on XX/XX/XXXX that my loans were forgiven under the PSLF waiver! I am overjoyed and so thankful! I have been corresponding off and on with Fed Loan Servicing throughout this process. In every call when I spoke with a CSR OR a supervisor, I was told that any payments past the 120 towards my PSLF, would be refunded. Under the waiver, all of my payments counted-so from XXXX XXXX XXXX when I made my last payment. I met my 120 in XX/XX/XXXX. So there are 4 years worth ( 48 total ) of payments that I was told would be refunded to me. I asked each time, that even though I didn't have a Direct Loan at that time, it didn't matter, because under the waiver, any payment counted, therefore any over the 120 payments, would be refunded. 
I do not see anything on Fed Loan account that will let me check the payment counts and no one was able to give me the payment counts over the phone. I want to ensure I have been given the right information-all the dates I have called should be located in my account-that I will be getting a refund.
Complaint sub-issue: Reporting company used your report improperly

I am a victim of Equifax 's data breach. I am trying to freeze my credit but Equifax can not process my freeze.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Credco did a unauthorized hard inquiry of my XXXX  and XXXX   credit report on XX/XX/2019 and another random unauthorized hard inquiry on XX/XX/2019. I want to dispute these hard inquiries and have them removed from my credit report and updated.
Complaint sub-issue: Public record

This item is inaccurately reported on my report for a while now under public record as a satisfied legal. 
I 've contacted Equifax in writing and requested a permanent removal to this item since it 's inaccurate, they mailed me back that the item remains and they did n't include any proof to support their investigation or any proofs pairing signature or legal documentation that the item belongs to me. 
so, I contacted them again in writing requesting from them to provide a solid proof pairing my signature as proof of my ownership to this account, yet the failed to provide anything or documentation pairing my signature and they still stated the item remains on my report. 
XXXX County Circuit Court wo n't give me any answers or access to learn about the account since it 's confidential, they also advised me that the Bankruptcy court does n't report to any credit bureau period. 
I 'm writing to CFPB today requesting to press a serious action against Equifax for their incompliance and violation of the FCRA, unless they are willfully give a fair investigation to this matter, provide any documentation pairing my signature or solid legal proof to my ownership to this account, and if they are n't able to provide any of the above then they should permanently delete this item off of my report with no reinsertion even if the same debt/item comes back with different entity discerption. 

the public record info is the following : XXXX County Circuit Court XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX identification # XXXX court # XXXX reported as Satisfied ( so even if correct, why reported negative )
Complaint sub-issue: Attempted to collect wrong amount

I had internet through XXXX in XXXX, XXXX. In XXXX of XXXX I called and requested that my account be closed. I was informed of the amount owed and instructions for me to return my equipment. I paid my last bill in XX/XX/XXXX and returned the equipment which was a router. In XXXX of XXXX, after no communication, there was a collections placed on my credit report in the amount of {$290.00} in XX/XX/XXXX and a creditor called me. I didn't receive a letter 30 days prior as I had recently moved. I told them I was disputing the account because I returned the equipment in XX/XX/XXXX. They told to call XXXX to dispute it. I did and they opened a ticket to look for the equipment and review notes on the account. I disputed with XXXX and the amount was changed to {$300.00}. XXXX searched for the equipment and found it. They emailed me and called me letting me know but then stated I still owed a bill. They then changed the balance owed to {$98.00} on my credit report in XX/XX/XXXX. I have disputed again ; then in XX/XX/XXXX the balance changed to {$84.00}. How is it possible for this collection agency to report XXXX erroneous amounts to my credit report? The equipment was found and my last bill was paid.
Complaint sub-issue: Old information reappears or never goes away

I had moved from XXXX to XXXX and several bills were sent to old address, I was late paying them by the time I got them. Those late bills have been recorded in my credit score. I have since made payment on time. I have called the companies to request the removal of those late payment, I have dispute several times with XXXX, Equifax and XXXX, unfortunately they are not removing despite the fact that I have made all my payment on time for 2 years. I 'm trying to buy my house and the banks are not liking those delinquencies. I need it removed to be able to buy my current home. late payments happened in 2015.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted the companies, who placed the inquiries, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.
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 XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

I have told this company to not contact me. I dispute the alleged debt they are attempting to collect. The debt is not mine. 

Pursuant to 18 US Code 8, I owe no debt. This company is violating my my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

Finally, as per 15 USC 1692c s 805, 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.
Complaint sub-issue: Account information incorrect

XXXX  is reporting a XXXXXXXX account as delinquent and as collection debt. The item they are reporting has wrong dates, wrong company names and an incorrect balance as many charges have attached to accounts. It also reported as an account that has been sold to a third party agency.
Complaint sub-issue: Seized or attempted to seize your property

On XXXX Day of XXXX, XXXX we took out a loan with XXXX XXXX XXXX for the installation of a pool at our property at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX. The loan was sold to Key Bank on XX/XX/XXXX. We made monthly payments to Key Bank. As a result of the financial crisis in XXXX, we did a HAMP agreement in XXXX for our first mortgage with XXXX XXXX XXXX XXXX. We spoke with Key Bank subsequently and was informed that due to the HAMP program and our hardship they will release us from this loan. On XX/XX/XXXX a Release of Mortgage for this loan was sent to us by Key Bank. On XX/XX/XXXX we received a letter from XXXX XXXX XXXX informing us that we owe {$63000.00} for this loan. We sent XXXX XXXX a copy of the Release of Mortgage and they said that a Rescission of Release was recorded on XX/XX/XXXX by Key Bank and that the Mortgage Release was an error. We were never informed of this Rescission and no attempt was made to collect any monies from us for many years. We do not believe that we should be paying this amount. We believe that this is a dishonest attempt to collect monies from us after such a long period of time a Rescission was done. XXXX is presently on furloughed indefinitely. We are very disturbed about this new and sudden development during this difficult COVID-19 time. We are appealing to your office to resolve this matter for us as we believe that this is an illegal practice.
Complaint sub-issue: Information belongs to someone else

There are accounts on my credit report that aren't mine. Please remove them.
Complaint sub-issue: Information belongs to someone else

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem lowering your monthly payments

I attended XXXX XXXX University, XXXX for 2 years to complete my XXXX 's dgree. I then attended XXXX University to complete a XXXX credential. I earned an XXXX Credential and XXXX XXXX Degree in XXXX at the University XXXX XXXX. I then attended XXXX XXXX University to clear my XXXX Credential and earned a XXXX in XXXX XXXX. I worked for 22 years in XXXX   as a classified employee, XXXX XXXX XXXX and XXXX. All 22 years were at XXXX XXXX XXXX XXXX XXXX. 

This information is relevant because all of my education, certifications, and degrees were required for the positions I held in education. 

I applied for " Student Loan Forgiveness '' with the US Department of Education. I was told that if I pay on the student loans for 10 years AND worked in a government approved service job the rest of the loan balance would be " forgiven. '' I paid on my student loan for the 10 years and was then told that I " have the wrong kind of loan. '' The bottom line : > I have now been paying on my student loan for the past 14 years. The balance in XXXX was {$110000.00} and the interest rate was 7.5 %. Today the balance on my student loan is {$100000.00}. 
> I was able to switch loan companies in XX/XX/XXXX to FedLoan Servicing. The reason I moved to this company was to get a lower payment and lower interest rate. In the last 17 months my loan balance has been reduced by only {$160.00}. The interest rate is 4.75 %. 

I pay my mortgage every month and the balance goes down every month. I pay on my student loan and the balance has not only gone UP several years in a row, due to a high interest rate ; but it is now going down by only {$9.00} a month. 

I retired from my position as a XXXX in a XXXX XXXX XXXX XXXX XXXX   in XX/XX/XXXX. I am XXXX years old. You don't have to be a genius to see that I will die while still paying on this loan.
Complaint sub-issue: Problem getting my free annual report

Cant get my free annual credit report from Equifax online or by mail
Complaint sub-issue: Account status incorrect

XXXX loan was paid in full on XX/XX/XXXX by insurance company and title was released to insurance company. XXXX coverage was selected but was not processed by dealer properly on loan documents. After loan was processed and submitted to XXXX XXXX the contract was determined to be either incorrectly stated or omitted for XXXX XXXX contract by dealer. This was not my error and XXXX coverage was selected and should have covered the difference and therefore no remaining balance was due. XXXX and their collection agency continue to report this as unpaid debt to credit bureau. I have disputed this several times. I phoned XXXX XXXX  on XX/XX/XXXX and the gentleman could not locate my account and stated he was transferring me to an Account Specialist but instead transferred me to their collection agency XXXX XXXX XXXX XXXX. They demanded payment but I did not contact them but was transferred to them by false misinformation.