Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with personal statement of dispute

In XX/XX/XXXX I entered in a consolidation agreement with a XXXX XXXX XXXX to consolidate my student loans with XXXX XXXX XXXX XXXX. I contacted XXXX and was informed that my student loans would be in forberance while the loan was getting consolidated and paid by XXXX which would take around 2 months. The loans were consolidated and XXXX was paid in XX/XX/XXXX. However, XXXX has since then continuously reported 60 days late on my credit profile even though I should have had a temporary forberance period. I have written to XXXX to request a good faith removal as this was not reported accurately. XXXX refuse to XXXX my request. XXXX has reported 60 days late in XX/XX/XXXX to XXXX and XXXX credit reporting agency and has reported to Equifax 60 days late for XXXX and XX/XX/XXXX even though they were paid and the accounts closed in XX/XX/XXXX. Their report on my credit profile are inconsistent and incorrect as some loans state late XX/XX/XXXX and others state late XXXX and XX/XX/XXXX. They have reported the loans were paid XX/XX/XXXX, XX/XX/XXXX XXXX agency and XX/XX/XXXX to another agencies. These dates are not consistent. The reporting is inaccurate. XXXX was paid off in XX/XX/XXXX, so how can they report 60 day late for both XX/XX/XXXX and XX/XX/XXXX. Please I urge someone to look into this company 's and credit reporting agency unfair credit reporting practices.
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and removed from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act. XXXX XXXX account # 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX 's XXXX, XXXX, XXXX, XXXX XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXX, XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXX. XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXXXXXX Account # 's 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: Debt is not mine

I contacted company on several occasions to clarify that the debt is n't mine.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX 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 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.
Complaint sub-issue: Account status incorrect

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes to my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation of the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX Balance : {$5600.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$62.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$2800.00} XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX {$2600.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$190.00XXXX XXXX XXXXXXXX Balance : {$9200.00} XXXX  XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I called Equifax requesting the following hard inquiries on my credit report that I DID NOT authorize be removed immediately : XXXX XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told that I would have to have the companies remove them. Both company and creditor is sending me back and forth.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I got my annual credit report and noticed Home depot/Citi bank reported late payments to the bureau on my account, when I never had a late payment. I called their collections department at XXXX to inquire why this was the case. They told me that there was no record of a late payment. I then requested for them to remove the late payments information reported to the credit bureaus from my history but they refused, insinuating that they are unable to do that. But they were the ones who initially falsely reported late payments to the bureau.
Complaint sub-issue: Account information incorrect

I want this resolve asap ... .My credit has DROPPED further because of this. Status and amount is WRONG.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX  account # XXXX, XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXXXXXX  ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), has violated my rights.

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Debt was result of identity theft

I REAPEAT THAT THIS IS NOT A REQUEST FOR VILADATION AND THIS IS NOT THE SAME ISSUES RAISED IN PREVIOUS COMPLAINT. 

1 ) Article 9 of the UCC under SECURED TRANSACTIONS does not cover assignments or rights of transfers for the sole purpose of collections. 
2 ) There is no CONTRACTUAL OBLIGATION between I the consumer and I.C. systems, I'm enforcing my rights and demanding they CEASE COMMUNICATION pursuant to title 15 USC 1692c ( c ) 3 ) I as a consumer have the right to PRIVACY and I.C. systems violated 15 USC 1692c ( a ) -COMMUNICATION WITH THE CONSUMER GENERALLY. 
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. 
I the Consumer/Beneficiary demand  account # XXXX be updated, credited and zeroed out Immediately or I will file for litigation in accordance with the FDCPA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1692k under the civil liability section. 
Reference # XXXX
Complaint sub-issue: Account status

XXXX XXXX Collection account should be removed from my credit report as this should never have been sent collections, as it was paid by XXXX XXXX XXXX XXXX back in 2013 and the amount of the bill was {$280.00} not {$410.00} as XXXX XXXX is claiming
Complaint sub-issue: Didn't receive notice of right to dispute

I did not receive any validation letter from the collections company through mail or electronically.
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 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  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: Trouble with how payments are being handled

They delay processing payments submitted by check/mail. When I called they told me that their " official policy '' is to handle all incoming payments " within a few days up to a couple weeks ''. This is unacceptable and results in me paying increased interest. I have to monitor it online and it could have resulted in missed payments if I didn't also make payments online. I believe that this is an ongoing, established practice to increase revenue and charge the borrowers more interest.
Complaint sub-issue: Fee problem

I am a RI XXXX XXXX. I am writing you because I am having some difficulty with one of my financial services. As many XXXX  I use a credit card reader to accept payment from my XXXX. XXXX  XXXX XXXX XXXX XXXX is my provider. Also Fiserv is the company servicing them and charged me ( see next Paragraph ) On XX/XX/XXXX I contacted them in regard to possibly get out of my contract without penalty. In conversation with my point of contact ( POC ). I stated that my contract obligations are up in XX/XX/2021, and asked if I could get out of my contract early waiving my monthly fees and {$500.00} penalty for cancelling contract. This was just an inquiry. 

The very next day XX/XX/XXXX, my checking account was charged the {$500.00} penalty. I immediately contacted my POC and I stated that my conversation with her was just an inquiry and I would like my account reimbursed the penalty. Long story short, through multiple phone and email conversations my POC stated that the request for refund is still in process. To date my account has not yet been reimbursed and on top all this I am still being charged a monthly service fee. 

Please let me know if you can assist me in this situation. 

This is my POC at Fiserv, the company who handles these services : XXXX XXXX Client Engagement Specialist SMB Client Engagement Team 1 XXXX  XXXX XXXX XXXX, MD XXXX Office : XXXX | XXXX XXXX
Complaint sub-issue: Personal information incorrect

I never lived at XXXX XXXX XXXX XXXX XXXX Fla I lived on XXXX XXXX in XXXX fla
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT FILE AND I WOULD LIKE TO HAVE THEM REMOVED. THOSE NEGATIVE ACCOUNTS HAS HINDER MY CREDIT FILE AND HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE AND NAME. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT ONLY ACCURATE ACCOUNTS.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In XX/XX/2020 someone used my information to secure a line of credit or loan with XXXX XXXX 
It is on my credit report and damaging my " Excellent '' credit rating. 
It was for {$1200.00} and has never been paid. I have never had a line of credit or loan with XXXX. This debt is fraudulent and not mine. 
There were aka names on my credit report that are not mine. 
There are address on my credit report that are not mine. 
There are phone numbers on my credit report that are not mine.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft and I have submitted a FTC report along with 605B letter and the credit bureau will not delete inquiries and collection account off my credit report. They refuse to follow the fraud guidelines that they have laid out!!!
Complaint sub-issue: Problem with customer service

I was approved for a refinance student loan in XXXX of 2021. According to Commonbond, that loan was disbursed on XX/XX/2021. However, my previous lender has not yet received a disbursement check and has continued to expect payment. According to Commonbond, they issued a check but it was returned. I was not informed of this until XX/XX/2021. 

Rather than contacting the lender for an explanation, Commonbond sent me an email requesting the mailing address on that date. I did not see the email until later when I was charged again for both loans. I sent my response with the address provided by my previous lender on XX/XX/2021. I did not receive a response to my email. 

I contacted Common bond on XX/XX/2021 to confirm receipt of my email. They confirmed that the email was received and that a second check had not yet been issued. The representative said that he would forward this issue to his supervisor and would send an update the next day via email. I did not receive an email. I called again on XX/XX/2021 and was told that the representative had no additional information and would follow up with me later that day. I did not receive a call or an email with more information. I called again on XX/XX/2021 and was informed that a second check was not yet issued and that the representative had no information to share and could not provide an accurate estimate of a response time. I requested that further steps be taken to ensure that this issue is resolved. They declined to take further action and repeated the offer to follow-up with an email. 

Throughout this time, Commonbond has required payment of this loan despite not paying off the original loan. This has resulted in double payment for several months. 

It is unacceptable that their customer service representatives do not follow-up on their commitments to address this issue It is also unacceptable that they do not have any information to share when reached by phone.
Complaint sub-issue: Problem during payment process

I applied for a secured cc from first progress. I filled out their application, and made a deposit of {$450.00}. Soon after I received the card, I lost it. Immediately, I called first progress and reported it. During the conversation with their representative, I was asked which transactions were mine. Was told that the card and account was cancelled, and a new card should arrive within 13 business days, this was on the XXXX of XXXX. On the XXXX of XXXX, I called first progress back, I inquired as to when my new card was supposed to arrive, and when my payment was due and the amount ( it was on the XXXX ). To which I was informed, that yes the card/account was cancelled, however the order for a new card was never placed! And as far as the due date, well since the account was closed, they couldn't accept a payment, until I received the new card, and activated it, and the date should then be rolled over until the XXXX of XX/XX/XXXX. Again I was told a new card was ordered, and would arrive within 13 days. XX/XX/XXXX, the new card arrived, which I promptly activated without any issues. This morning XX/XX/XXXX, when attempting to use the new card to purchase coffee, it was declined! I pulled up my account, which showed I had {$85.00} credit available, and a late fee! I was upset that I was charged a late fee, as well as interest, for not making a payment on the XXXX of XXXX, the payment I was told I couldn't make due to the account being closed. I called the number that they claim is customer service. The first person listened, and replied there is nothing they can do about the charges, and I need to make a payment to reactivate the card. Unsatisfied I requested to speak to a supervisor. After 3 minutes on hold another person answered to state she'll be right back and again I was placed on hold. 38 minutes later, an apology was issued for the long wait, and again was told nothing can be done, I asked for her name, and her supervisor. She refused to identify herself and after another long wait on hold, the highest person with the ability to speak, a person claiming to be " XXXX '' employee ID # XXXX, said he could waive the late fee, but wouldn't waive the interest, was not apologetic about the rudeness of his staff, and couldn't turn the card on until a payment, which mind you, wasn't supposed to be due until XX/XX/XXXX, was made. " XXXX '' refused to give any contact information of his superiors. At this I had had enough, and requested the account closed and a refund of the remainder balance. The refund, I am told will take up to 75 business days.
Complaint sub-issue: Information belongs to someone else

been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 1

5 US Code 1681e ( b ). I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Complaint sub-issue: Other problem getting your report or credit score

I have been making effort after effort to try and access my dispute but I am unable to. I made efforts to call and I do not get the option to speak to someone.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax dropped my credit score 56 points to XXXX on XX/XX/2019. The only change that happened during that time is I paid {$70.00} to my XXXX XXXX XXXX  credit card. My score just prior to that on XX/XX/2019, was XXXX. I contacted Equifax on XX/XX/2019, asking why they lowered my score when it should have been increased from reducing my overall balance. The supervisor, XXXX, at Equifax looked into my account and confirmed that she did not see any reason why it should have been lowered. She created a complaint ticket for me, # XXXX. She also mailed me my credit report. I waited one month and called Equifax on XX/XX/2019, to follow up. XXXX could not tell me any additional information and there is nothing further she can do. I will call FICO XXXX next to see what can be done. As of today, there is still 50 points difference between my Equifax ( XXXX ) and XXXX  ( XXXX ) scores. There is no justification or accountability of why Equifax lowered my credit score.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My information may have been acquired via a data leak and may have gotten into the wrong hands.

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: Didn't receive enough information to verify debt

I received a letter over the XXXX holidays for an amount I owed my medical provider in XXXX. The total amount seems suspicious and very low ( totals to less than {$100.00} ). But this debt collection company XXXX XXXX has added on {$2200.00} as additional and {$550.00} as interest! 

To my knowledge Ive paid all the bills correctly with my medical provider. 

In addition, they claim to begin collection activities within 10 days of receipt of the mail. Unfortunately that means that due to the holidays, it leaves me very little time to respond and investigate. 

Plus, adding XXXX dollars to a XXXX dollar debt seems ridiculous. Please help!
Complaint sub-issue: Debt is not yours

Received a credit monitoring alert stating that a new collection was added to my credit reports. Disputed the collection and it was verified by the collection company as accurate. In addition the balance goes up {$10.00} to {$13.00} every other week per the credit monitoring service. Prior to this debt being placed on my credit report I did not receive any notice about the debt. After disputing this debt with the collection agency I still have not received sufficient documentation evidencing this debt as mine. I have not received the contract along with any information identifying this debt as mine.
Complaint sub-issue: Information is not mine

I have disputed this information with Equifax and with XXXX XXXX. XXXX XXXX and Equifax has refused to validate that this account is mine. I demand that during this investigation it be deleted from any and all my credit reports. Equifax claims that this information is being reported correctly and has refused to provide me with full details of their investigation. As for XXXX XXXX they have refused to delete this from my credit report as well but has not validated that this account is even mine. I have requested VALIDATION OF THIS ACCOUNT and proof of payment history to show the so called balance owed along with proof of payments that were posted to the account I also requested this information. As of today I have not received this from either XXXX XXXX and or Equifax. I demand that they send me proof that this is my account and that the amount and the information is correct along with complete payment and statement history from day one and the signed contract showing I owned this vehicle as I do not recall ever having an account with XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed XXXX Collection debt {$540.00} listed as a collection on my credit reports- I have not been able to contact the company listed as the collector by the address and phone number listed on the credit letters- I also was not able to locate that company as a collection source with the Consumer Financial Protection Bureau . How can it be verified by XXXX- Equifax- XXXX  if I can not locate them through these resources I dispute this account and it's details are not verifiable and should be removed and deleted immediately