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

Reporting inaccurate and unverified information on my credit report that is harming my reputation as a consumer and ability to make necessary banking transactions. ( Reporting alleged debt of {$1100.00} and {$2800.00} allegedly owed to XXXX XXXX XXXX XXXX. Reporting alleged debt of {$22000.00} and amount of {$1100.00} past due allegedly owed to XXXX XXXX XXXX. Reporting alleged debt of {$3000.00} allegedly due to XXXX XXXX. Reporting alleged debt of {$420.00} allegedly due to XXXX XXXX XXXX  who I have no written contract with. Reporting alleged debt of {$1100.00} allegedly due to XXXX XXXX who I have no written contract with. Reporting alleged debt of {$100.00} allegedly due to XXXX XXXX XXXX who I have no written contract with. Reporting alleged collection from XXXX XXXX XXXX XXXX XXXX who I have no written contract with. Violations of 15 USC 1692b ( 2 ) stating that I owe Debt. Violations of 15 USC 1692d ( 1 ) using language that causes harm to my reputation as a consumer and is hindering my ability to conduct banking transactions. )
Complaint sub-issue: Investigation took more than 30 days

I have sent various letters to challenge the accuracy of Equifax reporting a XXXX XXXX. On XXXX XX/XX/XXXX they stated they verified the US Bankruptcy Court entry on XX/XX/XXXX. In my letter dated on XX/XX/XXXX I asked them to send me various information on who verified this entry especially when the US Bankruptcy Court has a memo that stated they are not responsible for verifying or validating information from consumers XXXX credit files. Please see the attached documentation.
Complaint sub-issue: Information is missing that should be on the report

Equifax lost all of my credit history, and they failed to fix it. Currently my credit score at Equifax is XXXX, while at the other two credit bureaus the scores are around XXXX ( XXXX ) and XXXX ( XXXX ). I have 6 credit cards actively in use, but they have none of them on file. 

I have been trying to contact Equifax for the past 2 weeks since XX/XX/XXXX, but still the issue is not fixed. Their customer representatives refused to provide help in any constructive way, and rejected my request to start an investigation into the issue. 

Below are some more details : After about 10 days of communication, Equifax sent me an email on XX/XX/XXXX stating that they had fixed the issue. However, as I checked my credit report again on XX/XX/XXXX, my credit report is still empty and credit score is still XXXX. It is clear that they had not fixed it, while they claimed they had. I tried to email them back, but I have not received any response ever since. 

In addition, on XX/XX/XXXX I made another call to Equifax customer service line to request further help. However, a staff from the Office of Consumer Affairs told me " everything looks perfect '' on their end ( even if my credit score is XXXX ), and refused to provide any further service. She also rejected my request to start an investigation into the issue.
Complaint sub-issue: Deposits and withdrawals

My banking account was closed after my check was direct deposited, they have yet to provide me a reason for the closure or ask if any transactions was made by me. The bank in question is Citi Bank. I have called no less than 20 times and they refuse to provide me with answers or my money. The happened on XXXXXXXX XXXX and my family had to go without dinner or presents.
Complaint sub-issue: Account status

Equifax has consistently refused a direct request by XXXX XXXX XXXX to remove negative reporting of their loan # XXXX XXXX XXXX XXXX XXXX California.This is in violation and has also been reported to The California Department of Justice.Equifax does not or has not looked at the word rescind which is used in XXXX XXXX XXXX language,
Complaint sub-issue: Information is incorrect

Everytimebi try to verify my identity for whatever reason online by answering credit question I cant do so because there is things on my report I dont reconize.Also I was told that I had a credit card that was opened in my name and I didnt .Also there is a car lease on the report. In XX/XX/XXXXthat I also did not apply for.let along get a car.And a student loan that I never recieved. What do I need to do because obviously someone is using my information
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/14 I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the XXXX you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Received bad information about your loan

I'm in the Public service loan forgiveness program on XX/XX/XXXX my loans that were eligible for the program were transferred from XXXX XXXX ( XXXX ) to Fedloan. Every year I get closer to forgiveness the more problems I am having. Last year they miscalculated the amount i was suppose to pay which was {$54.00} ( now {$65.00} ) and my payment shot up to {$240.00} which they promised to refund for their error and never did. They said I turned in my re-certification form too early ( XXXX ) but didn't notify me that my account was going to go up until XXXX less than 2 weeks before the {$200.00} payment was due. 

Current issue : I was sent my yearly employee certification form on XX/XX/XXXX and re-certified no problem. On Monday I went in to look for my re-certification form and it was missing. When i asked them why my form was missing they told me I wasn't eligible for program I had been in since XXXX. 

I know this seems like no big deal but it took over 3 weeks several e-mails and phone calls to get the {$200.00} bill resolved and they didn't keep a single promise from their phone calls. I need someone to help me sort out exactly what these people are doing.
Complaint sub-issue: Information belongs to someone else

There is a collection account in the amount of {$490.00} on my Equifax report that does not even have a creditor listed in the creditor field. The collection account in reference shows that it was opened on XX/XX/2021 with an account number of XXXX. 

There is no contact information nor account name for the furnisher of this account therefore I request the removal of this account in its entirety per FCRA regulations.
Complaint sub-issue: Their investigation did not fix an error on your report

I received my reinvestigation results back from Equifax. They said everything was 100 % complete and accurate. I would like to receive the description of reinvestigation according to 15 USC 1681 i ( 7 ). 

Because the list of accounts below is not accurate. The date open, date of last active/activity, and date of last payment are NOT 100 % accurate. 

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 They did not modify the file to report correct data or delete the inaccurate information on my consumer report according to 15 USC 1681 i ( 5 ) ( A ) ( i ). 

I attach a consumer report as evidence.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting and XXXX  Account 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Information belongs to someone else

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reinvestigated my credit report, there are still accounts were erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate and correct the unverifiable accounts below : 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: Impersonated an attorney or official

Collector called saying they were from Oxford Law Firm 2x in a row.. We filed bankruptcy in 2012. They were collecting a debt from XXXX XXXX for {$4000.00} some dollars. After my husband spoke and said a few choice words - I asked him to excuse himself from phone. I then proceeded to tell the person I was pretty sure he was n't suppose to be calling me because we filed bankruptcy and a letter was sent to XXXX XXXX. He then got smart and said what is the number then. I proceeded to ask him who he was and why he was calling. He then said the debt was from XXXX XXXX XXXX and after asking a couple times that his name was XXXX XXXX and he was a legal assistant at Oxford Law Firm with a number of XXXX ext XXXX and gave me the address of XXXX XXXX XXXX XXXX PA XXXX. I gave him the name of the attorney for the bankruptcy and told him I was pretty sure he was n't suppose to be calling. That XXXX XXXX XXXX or Oxford Law Firm should have checked the account before they started collection procedures.
Complaint sub-issue: Problem with customer service

MOHELA is horrible. I sent in a message XX/XX/2022. Requesting a refund on the payments Ive made during forbearance. I instead decided to call and handle it quicker. I was on hold for XXXX minutes  but was told Id be approved in XXXX  days, and be refunded in XXXX  days. 
I sent a message XX/XX/XXXX requesting an update. I sent another message XX/XX/XXXX. I sent a complaint message XX/XX/XXXX. I sent another complaint message XX/XX/XXXX. Ive never received a single reply from any of the messages sent. I have called every day at least once and at different times for the last XXXX weeks and there are XXXX minute wait times to speak to someone. Once you finally get someone on the line, they hang up on you. This is getting absolutely ridiculous. 
Again, MOHELA is horrible.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items immediately. 


By the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.
Complaint sub-issue: Problem making or receiving payments

Received text scam trying to get me to open a website to hack my info.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted multiple complaints to the creditors as well as to the cra 's ( XXXX, XXXX, XXXX ) in regards to the improper reporting and violations of 15USC1681 ( a ), 15USC1681 ( a ) sec ( 3 ), 1581USC 1681 ( a ) sec ( 4 ) and 15 USC 1681 ( b ) ( 1 )
Complaint sub-issue: Debt was result of identity theft

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : PNC BANK, NA Account Number : XXXX Date : XX/XX/2014 Amount : {$1900.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

CRA DID NOT DISCLOSE THEIR METHOD OF VERIFICATION. DID NOT PROVIDE ME A COPY OF MY WET ORIGINAL SIGNATURE OF THE CONTRACT THEY SHOULD HAVE ON FILE TO CONFIRM THE ACCURACY OF THERE REPORT. THEY WILLFULLY REPORTED NEGATIVE HARMFUL WRONG INFORMATION ON MY REPORT WHICH HAS CAUSED ME NOT TO GET THE LOANS FOR HOUSING IM SEEKING FOR BEING XXXX XXXX   XXXX VETERAN.
Complaint sub-issue: Their investigation did not fix an error on your report

I bought a car in XXXX from XXXX XXXX, in XX/XX/XXXX it was totaled in a accident, and I was rushed to the trauma center. I was in the trauma center at XXXX in XXXX XXXX for my head injury from XXXX to XXXX. The car was paid off, through me gap, and my insruance company XXXX XXXX. Payments were made on time, and the account was closed paid as agreed. XXXX sent me a letter stating they were going to update the credit compines, they did then XXXX   added 30 days late 60 days late 90 days late. I have proof from XXXX stating they reported no days late.
Complaint sub-issue: Investigation took more than 30 days

I requested a copy of my LexisNexis consumer credit report and when I received it, I notified Lexis Nexis of a bankruptcy that was on my credit report that I did not recognize. LexisNexis sent me a letter stating that they had done an investigation and it was verified and being reported accurately. PLEASE SEE THE ATTACHMENT. So, I contacted my local courthouse and questioned them why there was a bankruptcy being reported to Lexis Nexis that I had never filed. They responded and sent me a letter stating that they never sent anything to LexisNexis. PLEASE SEE THE ATTACHMENT. I sent LexisNexis the letter that the courthouse sent me and asked them to provide me the detailed of their investigation, but they never responded. On XX/XX/2021, I sent my 2nd request to LexisNexis via certified mail via USPS XXXX XXXX XXXX XXXX XXXX asking them where they get this information to verify it? And with whom they speak with? and as of today they still have not responded. It has been more that 90 days and still the bankruptcy is still being reported. It's crazy that LexisNexis would stoop so slow and violate peoples consumer rights. In this matter, according to 15 USC 1681b ( 2 ) No permissible purposes of consumer reports/ no written instruction, Lexis Nexis did not have permissible purposes to report this negative information. They have also violated my right to privacy according to 15USC 1681 ( a ) ( 4 ). The fact that they claim the courthouse gave them this information is another violation according to 15 USC 1681a ( e ). LexisNexis never contacted me, never conducted any personal interviews with anyone related to me or any of my associates concerning this matter. Again, this has been going on more than 90 days and the matter is still not resolved.
Complaint sub-issue: Information belongs to someone else

MY CHILDREN HAVE A CREDIT REPORT, THIS IS FRAUD AN EQUIFAX DOESNT SOLVE THE PROBLEM
Complaint sub-issue: Problem with customer service

Citicard has failed to honor their citi price rewind claim and denied my 2 claims on a wrong reason. The claims were for a lower price on XXXX for the same item and sold as 'Buy it Now ' price which is NOT an auction price. However they refused to honor the lower price citing the lower price is on an auction site. When asked why they dont honor auction sites, they gave reason as the price of the item is a bid price which doesn't guarantee a purchase at that bid price, which I agree 100 % and yes bid price should not be price matched. However XXXX is not an auction site as they also sell items which customers can buy without bidding. This lower price was for the same item, brand new and NOT bid price. Thus this item any one can buy without bidding. On explaining this to Citi price rewind customer service personnel, they agree to this but will not approve. I escalated to their Supervisor - XXXX who would also agree but will not approve giving a silly reason that even though the item is not on bid or not being auctioned, it may go on bid if its not being sold for longer period of time. I dont understand what kind of reason is this. The item can be either on auction or sold at a fixed price. My lower price corresponds to the fixed price and NOT an auction price. I filed XXXX complain and XXXX XXXX an Executive Office from their Presidents Office called me and insisted that XXXX is an auction site and Citi wont honor the price-rewind claim. When I asked her to check with XXXX that they are NOT auction site, but is also eCommerce site like many others, she refused and said, no XXXX is an auction site. I am apalled at her knowledge and refusal to look into it and correct it. 
In-spite of telling her that XXXX XXXX is an XXXX XXXX XXXX XXXX based in XXXX XXXX, California that facilitates consumer-to-consumer and business-to-consumer sales through its website she refused. This is malpractice by Citi by not honoring their own terms by branding XXXX purposefully as auction site to refuse payment of the price difference as per their benefit. 
This is to highlight to consumer to be aware of malpractice by Citi.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To let you know that I've become a victim of identity theft, I'm writing to you. I learned that without my knowledge or any connection to me, personal information, including inquiries, had been published on my credit file. Please help me remove these items from my report immediately. According to FCRA section 605b, the credit bureaus are required to remove or restrict any information mentioned on an identity theft report. I have provided certain documents to help in the blocking of the fraudulent information that are being posted on my report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Other problem getting your report or credit score

I have been trying to get a copy of my credit report and a mortgage company has been trying to get my credit score but they are unable to retrieve it I have been calling for three weeks now with not resolution. I also have sent in all the copies of items they have requested still nothing I need this cleared up as soon as possible so I can buy a house.
Complaint sub-issue: Can't close your account

This is in reference to a XXXX XXXX Platinum Mastercard secured credit card. The issuer held {$350.00} of mine and I could charge up to that amount every month. I paid in full almost every month and was Never late. 

I was notified on XX/XX/2019 that I was going to be charged a renewal fee of {$49.00} during my next billing cycle, beginning on XX/XX/2019. 
I IMMEDIATELY sent a written notice requesting that my account be canceled Before the charge went into effect. 

Two weeks later I spoke with a Customer Service representative who told me that I was Not being charged the fee, that a check in the amount of approximately {$400.00} had already been issued ( {$350.00} deposit plus a negative balance of approximately {$45.00} ) and that I should be receiving it any day now. 
I can provide proof of that phone call but cant attach it here. 

Today, XXXX XXXX, I was told that charges were approved on the account after I closed it, and that I was being charged the {$49.00} fee even though the card has been canceled. 

I would like the {$49.00} fee refunded. 

The representative was rude and totally unwilling to help.
Complaint sub-issue: Problem cancelling or closing account

Equifax and XXXX. I signed up two months ago to check my score. Now it is time to cancel because {$40.00} a month is too expensive. The only way to cancel Equifax is to call a XXXX number. It is a long and drawn out process. Finally we talk to someone ( husband and I ) in a foreign country. They ask all sorts of annoying questions and hard sell continued service. The XXXX time they even hung up. We spent a half hour or more just to cancel the darn service!!!! They shoudl provide many more options for cancelling, INCLUDING cancelling online, for crying out loud. 
XXXX is even worse. I logged in to check my score and the info is not made available. It keeps on kicking me out. To cancel, I have to call yet another XXXX number. It is so painfully obvious that they are just sucking the automatic payments right out of you and making cancellation so hard that most people simply give up.
Complaint sub-issue: Investigation took more than 30 days

" I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Last week, on Wednesday, XX/XX/2019 this bank ran our credit - sought a credit report - and they were not approved to do so. 

We gave permission for XXXX and/or the local XXXX dealer to provide financing ; but did not authorize any other party or another third party to have access to our information/credit. 

XXXX XXXX XXXX in XXXX, OH gave these companies permission to run our credit, but we did not authorize that ; nor did we expect that to happen. 

We were told XXXX would be our lender, but I guess they couldn't match what our bank offered us and they looked and looked for someone that would ; but failed.
Complaint sub-issue: Information belongs to someone else

2 Months ago, I checked my credit and found that someone at  XXXX   XXXX   XXXX ,  XXXX , Florida  XXXX , Stole my Idenity by using my Name,  XXXX   XXXX  and SS # to apply for a  XXXX   XXXX  credit card. I immediatly, contacted  XXXX   XXXX  and denied the application was mine and requested a freeze on the fraudulent application. my credit score was effected.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I sent two certified return receipt letters the first was signed for on XX/XX/2018 that letter was a letter to negotiate payoff and I heard nothing then I sent another letter to tell them since they did not reply I want them to remove from my credit and that was signed for on XX/XX/2018, as of today XX/XX/2018 I still have not heard from them at all. They removed this same collection last year and put it back on about 8 months ago.