Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

Hello. I am XXXX XXXX, XXXX who doesn't know English. Your response today, for the fourth time, you haven't sent me in the mail, just like you claim all the time, about my complaint on XX/XX/2020, the letter. I don't understand, what is so difficult to understand here, and why aren't you sending your response to me through mail like you said you would. I do not know how to call you and I do not want to call you. Only give me your response on my complaint on XX/XX/2020. 

If you do not send me the response in 2 weeks time, I will contact the United States Treasury Attorney General with copies of all of my complaints and your responses. 

Sincerely, XXXX XXXX
Complaint sub-issue: Can't get flexible payment options

My AES is currently in default I 've tried talking to them but nothing. Ive been going through money issues last couple of years.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXXXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$94.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$220.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$84.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$2000.00}
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I have advised the creditor and the credit bureaus, and they have refused to remove these fraudulent accounts.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX XXXX I have a Bankruptcy XXXX XXXX only being reported on my XXXX credit report. I called the XXXX Bankruptcy court that XXXX said they Verified through with the court. I contacted the clerk of the XXXX Bankruptcy court and I received a letter and was told that they do not share or verify and information with any credit reporting companies or XXXX and XXXX XXXX. REMOVE THE INACCURATE BANKRUPTCY XXXX XXXX FROM MY XXXX REPORT. UNVERIFIED INFORMATYION SHOULD BE DELETED FROM MY CREDIT PROFILE UNDER THE The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XXXX XXXX XXXX but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : DEPT OF ED Date of Inquiry XX/XX/XXXX DEPT OF ED Date of Inquiry XX/XX/XXXX
Complaint sub-issue: Debt was result of identity theft

In 2008 I had an account with US Bank, the following year I had an ex-girlfriend use that Card and Identity to steal and overdraft the account, I reported to the police and verified she was using drugs and did not have permission to use my bank card, after that US BANK never contacted me, I was understood the matter was resolved, Now a Company that refuses to verify their address only calling themselves XXXX XXXX out of XXXX XXXX Phone Number XXXXXXXX continues to call not only I but my mother, my father and XXXX knows who else, when first speaking to them they stated the documents were from XXXX COUNTY XXXX COURTS, NOW it seems they only had two XXXX   Address ' one in XXXX  XXXX, and the OTHER in XXXX, in which allegedly they sent documents to those address ' 45 days ago I never received, they have drove on my private road and created further civil complaints by pretending to be a company they are not, as well as Un Fair Business Practices, Badgering, Patronizing and All around being RUDE, I don't owe the US BANK Anything..
Complaint sub-issue: Their investigation did not fix an error on your report

I've been a victim of identity theft. The inquiry listed should be removed as this is fraudulent and unauthorized. Inquiry : XXXX XX/XX/2021.
Complaint sub-issue: Their investigation did not fix an error on your report

Problem : Three ( 3 ) accounts in good standing for 20 years in which I am an authorized user have been removed negatively impacting my score. 

Reporting Agency : Equifax Creditors : XXXX XXXX XXXX XXXX XXXX In XX/XX/XXXX, communication was initiated because the XXXX XXXX credit card was reporting incorrectly. As a result, the debtor was removed from the report when I asked for a correction. 

XXXX card was reporting incorrectly. As a result, I called XX/XX/XXXX to have issue resolved. It too has been removed. 

XXXX XXXX is also reporting incorrectly. I'm hesitant to ask for a correction due to the history of removals in good standing.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX XXXX/XXXX partial account number ****8356. ( Please see page attached from my credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$3800.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting Act. 
The Following Accounts have violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 USC 1681.

Everything has to be 100 % accurate on my Credit Report.

The Credit Bureaus stated my account was properly investigated, How is that possible? There are still multiple in accuracies? Open Date is inaccurate, the date last active is inaccurate and the Date last reported is incurate, different $ amounts in accurate. This is grounds for immediate removeal. They also violated my rights under the following : 15 USC 1681 Section 602A. States I have the right to privacy.

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

They also allow the Reporting Source to dictate validity vs. Following the Law. 

See Accounts Below : -XXXX XXXX XXXX XXXXXXXX XXXX Account : XXXX. STILL INACCURATE - REMOVE. 
-XXXX XXXX  Account : XXXX. STILL INACCURATE - REMOVE. 
XXXX Account : XXXX. STILL INACCURATE - REMOVE. 
XXXX XXXX Account : XXXX. STILL INACCURATE - REMOVE. 
XXXX XXXX Account : XXXX. STILL INACCURATE - REMOVE. 
XXXX XXXX XXXX XXXX. STILL INACCURATE - REMOVE. 
XXXX Account : XXXX. STILL INACCURATE - REMOVE. 
-XXXX XXXX XXXX  Account : XXXX. STILL INACCURATE - REMOVE. 
XXXX XXXX Account : XXXX. STILL INACCURATE - REMOVE. 
XXXX Account : XXXX. STILL INACCURATE - REMOVE. 



They Also violated my Federally Protected Rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if the items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer. 




I submitted a complaint with the XXXX and the Attorney Generals Office. These Collection Agencies are volating my rights, not adhearing to federal law and costing me dearly. 


According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I WANT ONE THOUSAND DOLLARS ( {$1000.00} ) per violation and REMOVE THE ACCOUNT ( S ) IMMEDIATELY
Complaint sub-issue: Can't temporarily delay making payments

I write to complain about the debt collection conduct of Citibank, XXXX XXXX, and XXXX XXXX XXXX. I owe about {$30000.00} on a private student loan I took out with Citibank to attend XXXX school in XXXX XXXX XXXX. I graduated in XX/XX/XXXX, and was working in the XXXX XXXX XXXX XXXX XXXX position when I injured my XXXX. The injury occurred two years ago, and as a result I had to stop working. I got XXXX, and, only now have been able to start looking for a job. I have used up my savings as well as the financial good will of my friends and family to maintain payments on these loans. As of XX/XX/XXXX, I no longer can pay the loans. <P/>I called Citibank well before XX/XX/XXXX and advised them of that i was running out of savings and income and that i would need some sort of accommodation until i could find work. Citibank told me I was only entitled to 12 months of forbearance and that I had already used that up sometime during the 9 or 10 years that I have been in repayment. Citibank began calling me in XX/XX/XXXX, telling me i was late on my payment. Every time they called I explained my XXXX problem and how it stopped me from working and that I had used up my savings. Citibank then transferred the case to a new servicer, XXXX. XXXX began calling on XX/XX/XXXX, demanding that I make payments. I continued to explain my financial situation, and asked if there were any options to help. The answer was no. XXXX has since called relentlessly, sometimes several times a day, telling me this isnt a debt you can ignore, and threatening to report me to the credit agency. <P/>I have similar problems repaying loans held by XXXX XXXX.. XXXX gave me one-month forbearance for XX/XX/XXXX, but says I must make six more months of payments before I can access the remaining 3 months of forbearance. This is not possible.
Complaint sub-issue: Report improperly shared by CRC

I would like for Equifax to take this mortgage off of my credit file. I had my attorney review my credit report and he was the one who discovered the XXXX XXXX as the creditor for this mortgage on my credit file. I do not have a mortgage nor have I ever had a mortgage, take this information off of my credit file immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX : {$0.00}
Complaint sub-issue: Public record

I have contacted Equifax multiple times to inform them that they are reporting someone else 's outdated Public Records information on my credit file. Transitions have not removed this information from my credit file to date. The XXXX/XXXX/2010. I need your assistance in getting this matter resolved and removed from my credit file.
Complaint sub-issue: Information belongs to someone else

I am having major issues with fraudulent addresses appearing on my credit report. 
The following addresses are not mine possibly a relative or friend. I live at XXXX XXXX XXXX XXXX OH, XXXX this is my current and only address. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX I
Complaint sub-issue: Account information incorrect

XXXX XXXX system did not correctly update or accept the correct reporting from XXXX a XXXX XXXX. XXXX is INCORRECTLY stating that i was late with my credeit card payment in XXXX and XXXX of 2021. I called XXXX  a XXXX XXXX, and it was confirmed through staff there that I did NOT, indeed, miss a payment. There had been a mistake with XXXX. My credit report with both Equifax and XXXX is XXXX points higher. This is a problem with Equifax. I am demanding that my information as well as my score be updated immediately.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This is the second complaint that I have needed to file with the Consumer Protection Financial Bureau against Discover in the last two months regarding a disputed transaction against XXXX. 

The products I purchased from this company made my dog sick. I am holding on to the products for FDA inspection. I have already filed the FDA report as well as one with my state attorney general. Therefore, I can not return the product, but I certainly should not be expected to pay for them. XXXX leads customers to believe that they purchase XXXX XXXX supplements directly from them -- they do not according to XXXX, which can be verified if Discover speaks directly to the company. So they mislead customers in to believing the products are not counterfeit, expired, or tainted when they have no way to confirm that they are not, because they buy the products from an unauthorized third party. XXXX XXXX never sells to online pharmacies ; they only sell directly to licensed veterinarians. 

If Discover fails to remove this charge permanently from this credit card, we will never make a purchase with them again. If these items would have been purchased with our XXXX XXXX or XXXX XXXX card, we would not be having these problems. I've had disputes with both of these credit card companies in the past, and they have always promptly and permanently removed the charges. 

Finally, when I re-disputed the charge with Discover for the second time, the rep I spoke with stated they were able to put it back into dispute status because XXXX didn't supply enough supporting documentation to show the charge was actually valid. Disover records conversations, so what she stated to be can be validated if the bureau requests the recording. Despite this, Discover took it out of dispute status anyhow and expected that we pay it. If this was the case, that XXXX didn't supply enough supporting documentation to validate the charge, they NEVER should have taken the charge out of dispute status. And I certainly don't believe XXXX supplied Discover with any additional supporting documentation this time around to validate they should be charging us for these items. Rather, I believe they took it out of dispute status just like they did before.
Complaint sub-issue: Reporting company used your report improperly

My financial information was stolen during the Equifax breach of XXXX XXXX. I visited their website, but according to third party reports, their credit monitoring will start charging after 1 year if I use their service to monitor a problem that they caused through their lax security.
Complaint sub-issue: Transaction was not authorized

I disputed a number of foreign transactions a few weeks ago but no action was taken. On XX/XX/2022, I received a provisional credit of {$160.00}, this was reversed the same day without any explanation
Complaint sub-issue: Information belongs to someone else

Hello this information doesn't belong to me I never had a XXXX XXXX or XXXX card. please help me
Complaint sub-issue: Need information about your loan balance or loan terms

During the COVID-19 Pandemic I paid off my entire student loan balance of {$12000.00} that was serviced with XXXX  XXXX XXXX On XX/XX/2022 I called XXXX and requested a refund of my payments. I was not educated about the impact of this or informed that by doing this it would re-open my student loans. I was told that the payments would be issued direct deposit to the bank account I made my loan payments to. I informed the agent that I no longer had that bank account and she informed me that I could not change accounts and I would receive a check issued by the Dept of Treasury within 12 weeks. 

I then received an email on XX/XX/XXXX that my loan was now with Mohela. I called Mohela to check the status of my refund payment and was told to call XXXX XXXX. I called XXXX  XXXX and was told the deposit occured on XX/XX/XXXX. I asked if she knew if a check was being processed through Dept of Treasury since I do not have that account and so I did not get the funds. She was not sure and could not answer my question. Based on the 12 week calculation the date should have received my check was XX/XX/2022 but as of XX/XX/2022 I still have not received my check. 

I then called XXXX  XXXX again around XX/XX/XXXX and was not able to speak to a representative because the automated system would not accept my PII since my loan is not serviced with XXXX  XXXX. On XX/XX/2022 I called Mohela and was told they did not have access to my refund information and opened a request with XXXX  XXXX which will take 30 days.
Complaint sub-issue: Unable to open an account

My XXXX XXXX report claims that I had opened a account with us bank on XX/XX/2015 which at the same time I was doing a XXXX term so how can that be
Complaint sub-issue: Trouble with how payments are being handled

I notified FedLoan Servicing at the beginning of the administrative forbearance NOT to apply the forbearance to any of my loans. They ignored my request and applied it anyway. I was on an IBR plan with low payments and working towards the 20 year forgiveness mark. I requested several times that the administrative forbearance be removed from all of my loans. They eventually removed it from one of the loans, but not the other two. I made several more requests until they finally removed the administrative forbearance from the other two loans. This failure to do as requested has damaged my progress on the IBR plan and forgiveness date by nearly a year. I began making the requests in XX/XX/XXXX ; FedLoan Servicing did not honor my multiple requests until XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

Equifax Inc. recently disclosed that its systems were struck by a cyberattack that may have affected the credit information of 143 million US customers. It was announced that intruders accessed social security numbers, birth dates, names, addresses and driver 's licence numbers. Equifax also provided an online website for customers to check if they are affected. Based on the information provided there, I was told that I may be among the affected customers whose information was improperly accessed by the intruders.
Complaint sub-issue: Reporting company used your report improperly

I contacted Equifax, XXXX, and XXXX and I never disputed anything. Instead Equifax disputes my accounts without my permission. All my info was in the breach and I am demanding everything to be removed. I never gave permission for a 3rd party to report anything to my consumer report. Equifax lies about investigating and never show proof of investigations. Equifax is reporting the wrong personal information which I advised them many times.
Complaint sub-issue: Their investigation did not fix an error on your report

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT ARE NOT MINE AND NAMES AND ADDRESSES THAT ARE WRONG. A LETTER OF EXPLANATION IS ENCLOSED.
Complaint sub-issue: Debt is not yours

I.C. SYSTEMS PUT A {$1400.00} COLLECTION ON MY CREDIT REPORT SENDING IT DOWN 70 POINTS. 
THIS COLLECTION WAS FROM A SCAM MEDICAL FROM THE XXXX XXXX. 
I DO NOT OWE THIS AMOUNT AND IF I HAD MEDICAL WORK IT WAS PAID BY MY INSURANCE AND I DON'T GET {$1400.00} OUT OF POCKET BILLS.
Complaint sub-issue: Reporting company used your report improperly

the U.S law U.S code title 15 Commerce and trade chapter 41 a consumer credit protection sub chapter XXXX credit reporting agencies which that refers to EQUIFAX subsection three credit reporting agencies 1681 B you have a title that says permissible purposes of consumer reports there's two permissible purpose for a credit reporting agency to be reported if you go to the first one it says in response to the order of a court having jurisdiction to issue such an order or a subpoena issued in connection with proceedings before a Federal grand jury we don't have that situation, the second issue is in accordance with written instruction of the consumer to whom it relates I'm this consumer you're reporting stuff on my behalf and you do not have written instruction from me. I am a well informed consumer, all correspondence is being recorded for future evidence purposes. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2800.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX  {$35.00} XX/XX/XXXX These accounts violate my rights, they have also been factual data disputed several times which you have ignored see attached documents. I have taken the liberty to point out over 11 violations that your company has committed. Im not asking but telling you remove or Notice of lawsuit for damages, and attorney fees will follow.This has kep me from owning a home and tremendous stress. 
Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Proof of your violation and lack of investigation from previous dispute through CFPB will also be used as evidence file numbers are ( XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following 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.