Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

New relevant information. Not a third party unauthorized. Not a duplicate. XXXX : THE ACCOUNT HAS BEEN UNDER DISPUTE SINCE I HAVE BEEN AWARE OF IT. IF AN ACCOUNT IS BEING DISPUTED YOU ARE REQUIRED TO COMMENT ON THE FILE THAT THE ACCOUNT IS UNDER DISPUTE. IT DOESN'T MATTER IF I DISPUTE DIRECTLY WITH YOU OR WITH THE CRA, YOU ARE REQUIRED COMMENT THAT IT IS UNDER DISPUTE. NOT COMMENTING OR REMOVING A COMMENT WHILE AN ACCOUNT IS STILL DISPUTED IS A VIOLATION IF MY RIGHTS. 

I WAS NOTIFIED ON XXXX THAT YOU REMOVED THE DISPUTED COMMENT FROM EQUIFAX. I WAS NOTIFIED BY YOU THAT YOU WERE WORKING ON MY DISPUTE ON XXXX. YOU VIOLATED MY RIGHTS BY REMOVING THE COMMENT. NOT ONLY IS THE ACCOUNT THE RESULT OF IDENTIFY THEFT, BUT BY REMOVING THE COMMENT YOU FURNISHED INACCURATE INFORMATION TO THE CRA, THIS IS A VIOLATION OF THE FCRA, AND FTC GUIDELINES. YOU HAVE CONTINUALLY SHOWN YOUR INABILITY TO FOLLOW GUIDELINES SET BY THE FTC AND THE FCRA, BY CONTINUING TO REPORT THIS FRAUDULENT ITEM AFTER BEING NOTIFIED THAT IT IS THE RESULT OF IDENTITY THEFT, BY CONTINUING TO REPORT AN ITEM AFTER BEING PROVIDED AN FTC ID THEFT REPORT, YOU DID NOT GET A DOCUMENT TO VERIFY WHO WAS OPENING THE ACCOUNT BEFORE EXTENDING CREDIT, AND YOU HAVE FAILED TO PROVIDE ME SAID DOCUMENT UPON REQUEST, DESPITE ME REQUESTING IT 4 SEPARATE TIMES, AND YOU CONTINUE TO VERIFY THE DEBT AS ACCURATE WHEN IT NEVER SHOULD HAVE BEEN OPENED IN THE FIRST PLACE AS IT WAS THE RESULT OF FRAUD. Attached you will find verification of claims.
Complaint sub-issue: Don't agree with the fees charged

On XX/XX/ I made my student loan payment of {$290.00} and at the same time I received a notification that my next payment will be {$550.00}. I was surprised, from seeing how much my payment jumped in a short time, and I knew the payment would be too much for me because I just started a new job and was not making enough money to cover it and my expenses at the same time. I called my student loan servicer to weigh my options. They informed of the options and I thought that forbearance would be the best option at the time. They told me that my interest would capitalize. I can not recall if they mentioned how much that would be. However, later on when I thought about it and realized how much they would be adding to my balance, I decided it would just prolong my loans and make me pay more eventually. I decided to cancel the forbearance on the day before it was due to start. I called my servicer and they agreed with my request, but they said that I would still have to make the full {$550.00} payment. I agreed and made a payment via telephone. They said it should it automatically adjust and that I was good to go. No further action necessary. I also did an income based repayment plan and that also capitalized my interest. I did not realized it until a year later I noticed that the capitalized interest was not cancelled and I was still charged twice for utilizing one service. I called Nelnet and spoke to a representative. The representative saw exactly everything that we talked about previously in the account notes. She also said that she does not understand why the forbearance did not cancel and why I was still being charged. We had a short conversation about it and she informed me it was something she would have to discuss with management and would have to get back to me with an answer. At least six months have passed and I have not received an answer, nor have I seen any adjustments made to my account.
Complaint sub-issue: Reporting company used your report improperly

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Complaint sub-issue: Their investigation did not fix an error on your report

I was recently a victim of credit card fraud and identity theft. Someone had opened a XXXX XXXX card in my name so I contacted XXXX XXXX and they refused to do anything about it. I then contacted the three credit reporting companies. Equifax refuses to take a XXXX XXXX card off my report that was opened fraudulently. Both XXXX and XXXX have removed this account from my report. I have submitted a FTC and police report numerous times without success with Equifax. Equifax now shows the account as closed on my report and it is hurting my credit score.
Complaint sub-issue: Account status

Hello, A few months back I disputed an account with Equifax regarding XXXX XXXX XXXX account # XXXX, I have been in contact with the original creditor in which they have sold this account to A collection agency. I have asked for this account to be verified but in return they will not communicate with me. Equifax has this account listed as " open '' with a balance of {$430.00}. 
I have demanded an investigation into this account under the incorrect information of " open '' status with no results. I want the information on my report updated to " closed '' or removed from my file if no response is received within 30 days. 

Thank you
Complaint sub-issue: Card was charged for something you did not purchase with the card

XXXX  REPORT ;  XXXX   XXXX   XXXX    XX/XX/XXXX .    1. XXXX - PARTIAL ACCOUNT  XXXX  CARD #  XXXX    XXXX   SHOWS  XXXX  {$4800.00} ALSO REPORT SHOWING ND FOR   XXXX   XXXX     XX/XX/XXXX .     2.   CITI VISA-  PARTIAL ACCOUNT  XXXX  DATE OPENED   XX/XX/XXXX  FIRST REPORTED  XX/XX/XXXX  DATE OF STATUS  XX/XX/XXXX   ACCOUNT CLOSED AT GRANTORS REQUEST. ACCOUNT CHARGED OFF {$5500.00} WRITTEN OFF  XXXX  PAST DUE {$1200.00} AS OF   XX/XX/XXXX .    XXXX   REPORT   XX/XX/XXXX   SHOWS   XX/XX/XXXX    AB { $2100.00} AB {$2100.00} THATS ENDING WITH  XXXX    XX/XX/XXXX  AB {$4 800.00} AND STARTING CITI  AB    XX/XX/XXXX  {$2100.00}. OKAY CITI DIDNT START REPORTING UNTIL  XX/XX/XXXX  C ITI SENT ME  ONE C ARD  XXXX . THEY STARTED REPORTING IN   XX/XX/XXXX  AND WROTE THE WHOLE ACCOUNT OFF  XX/XX/XXXX . ALSO  XXXX  SAID THEY MAILED MY 2 % CASH BACK  XX/XX/XXXX  AND IT WAS DECLINED BY CITI IN  XX/XX/XXXX .     3. CBNA CITI  CREDIT CARD - PARTIAL ACCOUNT  XXXX  DATE OPENED   XX/XX/XXXX  FIRST REPORTED  XX/XX/XXXX  DATE OF STATUS  XX/XX/XXXX  CREDIT  LIMIT  XXXX  RECENT BALANCE  XXXX  AS OF  XXXX   XXXX  RESPONSIBILITY AUTHORIZED USER?????  XXXX  ACCOUNT IN GOOD STANDING. OPEN NEVER LATE.   GRIEVANCE ;  XXXX  ARE MISSING AS AVAILABLE CREDIT BALANCE SOON AS CITI TOOK ACCOUNT HUNDREDS MISSING IN AWARDS 2 % MONEY BACK AND A GHOST ACCOUNT SET UP WITHOUT MY CONSENT OR COURT ORDER THEY CLAIM MY LAWYER DID IT I NEVER HIRED A LAWYER TO RIP ME OFF LIKE A CROOK I WANT NAMES AND ANSWERS. CUT MY CARD IN  TWO T HAN RIP OFF MY 2 % CASH BACK IN   XX/XX/XXXX  TO  XX/XX/XXXX . AND NOW  THEY WANT ME TO PAY  XXXX  PAST DUE NOW THEY WANT ALL OF IT  XXXX  AND KEEP THE GHOST ACCOUNT OPEN THAT IS THE VIRUS THAT TOOK MY  CREDIT SCORE   XXXX  POINTS IN NEGATIVE.   I WAS ENGAGED TO BE MARRIED AFTER 8 YEARS OF HARD WORK WHEN THESE CROOKS PLANNED THEIR BURN NOTICE ON ME WITH NO MERITS. DAMAGES IN THE THOUSANDS. THIS IS WHAT I CALL CORRUPT CORPORATE GREED. I AM VETERAN SERVED MY COUNTRY WITHOUT   DISHONOR   XXXX   XXXX   XXXX    XXXX    XX/XX/XXXX     XXXX   XXXX   XXXX   XXXX  AND  XXXX   XXXX   THESE CLOWNS NEED TO SEE WHAT IT LOOKS LIKE TO BE ON THIS SIDE FOR A  NEW YORK    MINUTE.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

About case number XXXX, I need y'all to reopen my disputes up again because I got cancellation proof look at the attachment below ; I did cancel service with them, and I had contacted them before for a refund, but the lady agent couldn't find the payments in her system. She asked me to send her a payment statement of the payments that were billed on my card. I did, and she told me she would send that to her supervisor team to review it, but no one has emailed me or called me back yet.
Complaint sub-issue: Old information reappears or never goes away

I have paid accounts and I have differed loans that were settled. I also have medical bills that were paid that are still showing on my credit report
Complaint sub-issue: Reporting company used your report improperly

XXXX accordance with the Fair Credit Reporting act 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: Information belongs to someone else

FCRA Violation : address and names not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation : credit card not mine XXXX  XXXX FCRA Violation : hard enquiries not mine XXXX  XXXX XXXX XXXX XXXXXXXX FCRA Violation : other loan not mine XXXX XXXX XXXX XXXX
Complaint sub-issue: Talked to a third-party about your debt

Alltran Financial , LP contacted a third party and gave personal information about my financial situation.
Complaint sub-issue: Debt was paid

I do not owe XXXX. They garnished my wages twice after reporting I owed a zero balance on my CBR. My car was totaled and XXXX paid it off.
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. 

Account Name : XXXX XXXX Ref # XXXX XX/XX/2022 XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX XXXX Account Name : XXXX XXXX Ref # XXXX Account Name : XXXX XXXX XXXX # XXXX, # XXXX, # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX Has violated my rights 15 USC 1681 section 602 A . States I have the right to privacy.

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

15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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: Reporting company used your report improperly

This is for the Consumer Financial Protection Bureau and the credit bureaus. My husband passed away and I want to get his credit reports marked as deceased. This is harder than it should be. This is important to do to prevent people from using it. It would be nice to send the info to one credit bureau and they propagate it to the others. As it stands now, I have to send info and death certificates to all of them. Ideally, it would be nice if funeral parlors could notify the credit bureaus if the family wants them too. They notifiy social security, so why not credit bureaus too.
Complaint sub-issue: Information belongs to someone else

This is my several 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 an 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
Complaint sub-issue: Debt is not yours

The debt was remove from my credit reports, now it is appearing under collection agency.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax did not do their due diligence with investigating these erroneous errors on my consumer report. I have sent several disputes regarding inaccurate and incomplete information reporting, demanding that these challenged items be permanently removed. Equifax is unlawfully publishing inaccurate information and I am being punished due to their negligence. I have attached current proof as of XX/XX/2022 showing XXXX reporting XXXX late payments on XXXX  XXXX XXXX account # XXXX and Equifax reporting XXXX late payments on XXXX  XXXX XXXX  XXXX  account # XXXX. How could this be considered accurate and fair? Equifax verified inaccurate information as accurate causing me to suffer tremendously! The vital role that Equifax assumed should strive to be more responsible with dealing with the consumer and public confidence. This has effected my life drastically as I am trying to purchase a home for my family and I and these road blocks have stopped me. Equifax 's failure to remove these erroneous items have caused me extreme stress and anxiety. My privacy has been invaded due to Equifax 's continued act of publishing inaccurate information on my consumer report and me being continuously denied due to inaccurate information reporting on consumer report.
Complaint sub-issue: Other problem getting your report or credit score

Hi, In mid XX/XX/2017, my wife and I initiated credit freezes with all three credit agencies. I received a PIN from Equifax to be able to unlock the freeze, my wife did not. In mid XXXX, we both wanted to temporarily lift the freezes for a credit check. My PIN would not work, although the CSR was able to lift the freeze. My waif was unable to lift her freeze without a PIN and so requested a new PIN. This new PIN was never received and so I emailed Equifax via their company portal to get an update on status of the newly requested PIN which never arrived. I haven't received a response. My wife spent 45 minutes today on the phone with Equifax and the issue is still not resolved. This is unacceptable to have our personal information held XXXX by a third party we never gave permission to and have no contractual obligation to. Equifax were unable to keep out personal data safe from hackers and now appear unable to release our credit file to lenders.
Complaint sub-issue: Reporting company used your report improperly

Equifax security breach resulting in unauthorized release of private consumer information.
Complaint sub-issue: Their investigation did not fix an error on your report

I AM REQUESTING A RUSH INVESTIGATION INTO THIS MATTER, LOAN PENDING. 

Complaint : I need the following bureaus to remove the errrant account that has been verrified and validated to be correct when it is absolutely 100 % obviously not when all 3 bureaus report something different. 

Targets : XXXX Equifax XXXX Please reference CFPB Compaints : # : XXXX - XXXX XXXX XXXX XXXX # : XXXX - XXXX XXXX XXXX > Passed to Comptroller of Currency # : XXXX - XXXX XXXX XXXX XXXX Again Dear Bureau, All 3 CRA 's above did not follow the Fair Credit Reporting Act Section 611 in the investigation of my disputes. They didn't follow any laws. 

They recieved the dispute, it automatically got sent to the collector who automatically generated an acknowledgement letter and then automatically generated a validation letter with the most recent account statement. Those documents are mailed to the person disputing hte innacuracy and they submit verification to the Bureaus. 

The Bureaus though, are supposed to conduct their own independent investigation into disputes and if they had done that in any of the disputes in this case it would be obvious that this account continues to report inconsistently and innacurately since I started disputing the account in XXXX of 2020. 

I want to know how the 3 bureaus above were able to verify based on their investigation that my dispute was not accurate and the company was accurate when the information I submitted in my dispute is 100 % not accurate or consistent and remained that way since appearing on my report.
Complaint sub-issue: Frequent or repeated calls

they call asking for someone else and keep calling leaving voicemails asking for a person that is not me. i blocked the caller and they leave long voicemails asking that i give them a call back to resolve a issue i dont have with them.
Complaint sub-issue: Credit card company forcing arbitration

I called Citibank executive office and asked for XXXX and a guy named XXXX XXXX laughed at me and made more Deragotory comments after my initial complaint about racial discrimination. That call took place XX/XX/XXXX at XXXX and there is a screenshot attached. Futhermore the vehicle is now damaged from the leaking and has also ruined my garage. Here are 3 videos you can download files to large to attach. The video can be downloaded for free as a guest at this links - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with additional products or services purchased with the loan

Purchased my car from CARVANA XX/XX/XXXX. 
Temp tag expired XX/XX/XXXX. 
Im an XXXX driver, and rely on my car for my income. Im not able to drive it legally, Im paying for a car payment and insurance. I ALSO have to pay {$280.00} a WEEK, and they thought it was suitable to send me a {$250.00} check to cover me for another MONTH! They said I wont have my plates or registration MAYBE on XX/XX/XXXX, but wont continue paying for the rental I have to use to do my job and make an INCOME. The woman on the phone literally said - if it was me, I wouldnt send you the check. Oh, so youre telling me i have to work an extra 12 HOURS of DRIVING a week just to pay for the rental before i start making my income? Thats cool. Absolutely ridiculous. One woman says it hasnt been sent, the other says it has. They constantly lie and beat around the bush and dont care about their customers AT ALL. One guy has been waiting 160 DAYS for his registration. How is this even okay??? So I am physically drained beyond belief while these girls are sitting at home saying they think I dont deserve to be paid for the rental I shouldnt have to pay for if they did their job right in the first place? Quit blaming Covid, the DMV in Nevada is NOT backed up.
Complaint sub-issue: Information belongs to someone else

This is my second 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 an alleged XXXX  or XXXX. 
XXXX, XXXX, A ; XXXX A XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$3500.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$220.00}
Complaint sub-issue: Received bad information about your loan

On XX/XX/2018 I received an e-letter from Nelnet regarding my income-driven repayment plan. The letter had relevant typos and incomplete/inaccurate information -- namely, the amount in which my monthly payments would be, the date they would begin at that level, and the date on which any interest would be capitalized into the principal. 

I called the customer service line on XX/XX/2018 to find out the information above. The agent read through the letter with me and said " I think what they mean is X. '' This explanation did not make sense to me and still didn't give me the information I was asking for. Regarding the date of capitalization, the agent put me on hold to ask someone else and said neither of them knew the date it would happen. 

I responded by saying those answers weren't helpful and she said " we work for the government, this is from them. '' I said, " the federal government wrote this letter? '' she said, " no, but this is coming from the Department of Education, that's just how they operate. '' It is not helpful whatsoever to 1 ) not be able to obtain the dates necessary to make payments on my loans or 2 ) hear the servicer blame " the government '' for their own mistakes or lack of competency.
Complaint sub-issue: Information belongs to someone else

The accounts reporting inaccurately on my credit report are due to fraud. I am requesting legal documentation from all the listed accounts and items : XXXX XXXX  XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX & XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I have aleady contacted the XXXX Police and filed a report. I also filed a FTC ID THEFT REPORT AS WELL!
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX XXXX XXXX have disputed this situation for years with XXXX XXXX and Equifax Credit Bureau. Pertaining a bankruptcy, a chapter XXXX and a chapter XXXX I have submitted forms from the US Bankruptcy court and from XXXX XXXX stating their information was deleted. The courts told me that they do send the credit bureau no one information or verify. But when i dispute it, they come back and tell me that the US Bankruptcy courts verified it and it's a lie. So please help me clear this bankruptcy off my credit report. 

contact me at XXXX XXXX XXXX