Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

A student loan went to collections, because I was XXXXXXXX later than expected and was XXXX during my time in school. I explained to these companies I was still in school but forced my loan into default back in XXXX. I have since tried to reconcile with the credit collections but unwilling to show its closed and it is still increasing on a monthly basis. It is showing the account as active and open when I know the original debt was closed and sold off to collection agencies.
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 # 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 account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX  XXXX  XXXX account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX 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

Equifax Is reporting 13 HARD inquiries that where not made by me and are fraudulent. These inquiries where made fraudulently/unauthorized and was not given my consent to do so. Please remove them from all 3 credit bureaus if they are reporting to more than equifax. Thank you
Complaint sub-issue: Reporting company used your report improperly

These consumer reporting agencies are reporting fraudulent and inaccurate information on my report and is violating my right to privacy under FCRA law 15 USC 1681b! 
There are reports showing that this account " XXXX XXXX XXXX XXXXXXXX '' has late payments which are inaccurate and each individual credit reporting has different late payment dates for this account which is inaccurate and fraudulent!
Complaint sub-issue: Information belongs to someone else

This is probably my 4th complaint with these two companies. Im truly sorry for constantly messaging you all but how can we let this be? 

XXXX, XXXX, XXXX, XXXX and XX/XX/2020 Carter-Young INC stated that I had a balance of {$3600.00} XXXX  XXXX XXXX stated they had a charge-off of {$470.00} For 4 months straight I have been disputing with The 3 Major Credit Bureaus along with the companies ( Alleged creditors ) directory to get them to prove to me that the information that they are reporting is accurate. 

Each time I would dispute the validation of debt or verifying of debt ( two different things ) they would always come back with some paper saying its mine and they would like to settle. I would dispute it again and again and again yet they refuse to send me any form of proof. I have read receipts as to when they received the items as well because I was instructed by my attorney to have everything I sent them certified mail. 


They according to the united states supreme court and thousand more cases have not done so. Not only have these companies not done so They have yet to provide documentation stating I have a obligation to pay them along with anything baring my signature as required by law. They would send me a copy of an itemized bill in a letter without any signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Its like everyone out there is sleep on the law. Why do we let them get away with this?? 

I was very specific as to what law and section during my challenge process. 
Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ) ( This is the LAW ) Their actions are none other than 1 ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) They sent updated response to the bureaus that the items meet the FCRA requirements without proof. How could this be when I am very specific about the law. 

The companies XXXX  XXXX XXXX and Carter-Young These accounts are FRUAD Obviously and I am begging one last time before I ignite the lawsuit against them along with the credit bureaus. 

XXXX  XXXX XXXX is still trying to collect on a debt they sold! Why is this? It isn't mine. Is that even legal?
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2017 XXXX  is only credit reporting 30 days late on XXXX XXXX account. I have contacted the creditor and they sent information to all 3 credit agency that my account was never late. 
XXXX and XXXX corrected and updated my account information. 
I have written letters to XXXX to remove lates because that is not accurate information. But have not been able to get this resolved.
Complaint sub-issue: Problem during payment process

On XXXX XXXX I was trying to make a payment to my credit card online and chose the option to pay the full balance by mistake. As soon as I realized I called Citi card services early morning on XXXX XXXX, I was assured by their representative that they would credit my money back in full in 3 to 5 business days. In the mean while my bank account appeared overdrawn. My Bank apparently declined the payment and I was patiently waiting for the balance to show up in the credit card again. Today Citi tried to take this payment again out my account knowing that it had been a mistake because I called and informed them on Friday XXXX XXXX, they overdrew my Bank account once more. I called them again today and was told a different story about this process, now they said it was 3 to 5 business day to process this and decide if it got approved to give me back my money, and then another 4 to 6 business day for me to get the money or actually see the balance in the credit card again, meanwhile my payment due date is XXXX XXXX and now Im worry about missing my actual payment due to this whole process, which I was interrupted and told that there was nothing they could do about it, that I had to wait for the whole process to see if it got approved when Ive been telling them that I did not authorized that full balance payment.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021 I submitted a dispute letter to all three major bureaus ( Equifax, XXXX, XXXX ) due to some erroneous negative entries on my credit report As a result, this caused a lot of headaches to my livelihood I'm not being able to properly use my credit when needed. I have been denied access to Loans, Credit, Mortgages because of this.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently looked into buying a car and was told by the salesman, XXXX XXXX at XXXX XXXX XXXX in XXXX, AL that it would NOT have an effect on my credit score. I had told him that I was trying to buy a house. Prior to the time of the 9+ credit inquiries, my credit score was at a XXXX. Typical cheesy XXXX car salesman, right! He also told me that it wouldn't count as a hard inquiry.
Complaint sub-issue: Was not notified of investigation status or results

I have been contacting Equifax for the past 2-3 months. On XX/XX/XXXX, I called to advise that a credit card I am on is not reflecting on my Equifax credit report but was on the other two. I was advised to contact the XXXX, XXXX XXXX XXXX, to make sure they had me reporting correctly. They had all my information correct, with the exception of having my SSN on file ( which wasn't necessarily needed ). XXXX XXXX XXXX added my SSN, then advised to give it 30 days to see if it will help with reporting. I contacted Equifax on XX/XX/XXXX again and spoke with them three times as I was being directed to go back to XXXX XXXX XXXX, they advised all my information was correct. I contacted Equifax the same day to advise of the outcome with XXXX XXXX XXXX bank. I asked if I had anything blocking my account, and they stated I had a freeze on my report, I confirmed if this is something that keeps creditors from reporting, and I was told " no '', but just in case, I should remove it to see if it will correct the reporting, so I did. I asked them how long should take to update Equifax indicated a week. I contacted them again on XX/XX/XXXX, and XXXX nothing was resolved. On the XXXX, I contacted XXXX XXXX XXXX, according to them, they believed the credit card was falsely removed from my credit report by Equifax. I contacted Equifax, which resulted in me having to speak with a supervisor because the representative kept telling me the same thing " go back to Chase to correct it '' I informed the supervisor, that I was a small business owner and how this is causing an issue with me and my business. He told me to have XXXX XXXX XXXX call them or send a letter indicating that I am authorized on the credit card in question. The supervisor told me he saw where it was removed in XX/XX/XXXX, which was correct, then it was added back to my credit report and removed again. There was never a second request to remove me from the credit card by the account holder ( my spouse ). I believe he stated it was in XXXX or XXXX. The supervisor advised me to have XXXX send a letter to the email they gave ( XXXX ), which turned out to be a bad email. Equifax keeps telling me the same thing over and over, contact XXXX XXXX XXXX. I am out of options here. I called today, XX/XX/XXXX, because I noticed that my letter with my credit report ( dated XX/XX/XXXX ) has my maiden name and not my married name on it. I assumed this error could be an issue, but they indicated their systems were down. I am at a loss for words. 

I am a small business owner. This credit bureau is literally keeping me from getting the line of credit I need, and I have two projects starting XX/XX/XXXX and one in XXXX of this year. I went to my bank to let them know the situation since they have been aware of it for the past couple of months, but I am being told that my credit score is the most important of anything they need to offer me a line of credit. Equifax has one card I'm authorized on, and reflects on the report but not this one. I am very frustrated with this situation.
Complaint sub-issue: Debt was paid

THE SCHOOL XXXX  XXXX UNIVERSITY IS TRYING TO DESTROY MY PERSONAL CREDIT AFTER I WAS A TOP A STUDENT THERE. I HAD TO WITHDRAW DUE TO PERSONAL REASONS, AND I ASKED THE DISENROLLMENT COUNSELORS IF THERE WAS GOING TO BE ANYTHING ANY FINANCIAL IMPACT. I WAS TOLD NO AND THAT MY STUDENT LOANS HAD ALREADY BEEN PAID AND COVERED MY TUITION AND EXPENSES. I ACTUALLY CURRENTLY PAY ON THOSE STUDENT LOANS NOW. I RECEIVED A BILL FROM THE SCHOOL FOR ANOTHER {$10000.00} OUTSIDE OF MY STUDENT LOANS. THIS IS FRAUDULENT PRACTICES. HOW CAN THEY COLLECT FROM THE GOVERNMENT TO COVER MY COSTS, THEN ALSO BILL FOR A PORTION ON THE BACKEND WHICH WILL IMPACT MY PERSONAL CREDIT MORE THAN THE STUDENT LOANS. THIS IS UNFAIR BUSINESS PRACTICES.
Complaint sub-issue: Public record information inaccurate

This is my second attempt to file a complaint. Equifax did not take my complaint seriously, so I filed a complaint with the Attorney Generals office. I did the same for XXXX and the complied to my request and removed the information off my credit report. 
I am contacting you today regarding an alleged dismissed bankruptcy that is reporting on my credit reports. I have disputed it with XXXX, and they removed from my Consumer File. I then proceeded to dispute the bankruptcy with Equifax, and they are not complying appropriately to the Fair Credit Reporting Act. It was recommended to me that I initiate a complaint with your organization. I have attached all supporting documents for your review. 
On XX/XX/2020, I received a letter from XXXX stating that they XXXX was unable to verify the accuracy of bankruptcy case number XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and subsequently removed this record from your XXXX report. 
I proceed to send a letter to Equifax on XX/XX/2020 and attached the letter I received from XXXX. Equifax responded back with a letter that said that This section includes public record items Equifax obtained from local, state and federal courts through a third-party vender, XXXX. In addition, they stated that this public record item is reporting correctly. 
I was confused to how Equifax verified this information, since XXXX had already removed it from my consumer report. I went to the recommend website, XXXX XXXX XXXX, to find out more information and I found out that XXXX does not XXXX bankruptcy information to consumer credit files for Equifax, Equifax performs the matching. 
I then again proceeded to send letters to Equifax dated XX/XX/2020 and then again on XX/XX/2020. I never received a response from Equifax. 
Then I sent a letter XX/XX/2020 via certified mail receipt number XXXX XXXX XXXX XXXX XXXX. According to USPS tracking this letter has been received on XX/XX/2020. In this letter I asked Equifax for a description of the procedure used to determine the accuracy and completeness of the investigations preformed on my credit report. According to the Fair Credit Reporting Act : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not  later than 15 days after receiving a request from the consumer for that description. of such furnisher, if reasonably available ; It is now XX/XX/2020 and I have not received a response from Equifax. Equifax has failed once again to comply with the FCRA. I have recently filed a complaint with the Consumer Financial Protection Bureau ; however, it is my understanding that under the current administration, the CFPB is not stepping in and helping consumers. 
Attached is all document regarding my complaint against Equifax. 
I ask that Equifax complies to the Fair Credit Reporting Act and removes the item Chapter XXXX Bankruptcy case number XXXX from my credit report.
Complaint sub-issue: Threatened to sue you for very old debt

I first received a call on XX/XX/XXXX from a mediation service " hired '' by XXXX XXXX to collect an old debt. I went ahead and set up a payment arrangement and was reassured this would be taken care of. XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In the letter claimed the current creditor was " XXXX XXXX XXXX '' .This debt according to them was paid in full as of XX/XX/XXXX. I received a " release '' letter and was not contacted any longer, and noticed this didn't show up on my credit reports. on XX/XX/XXXX I began to receive calls from XXXX XXXX XXXX XXXX claiming they purchased this debt back in XX/XX/XXXX, and the previous company only collected interest and I had 48 hours until they sent out a service company to serve me with court papers. The company didn't state their name and sent me an email with a letter from XXXX XXXX, General Manager of XXXX XXXX XXXX XXXX XXXX XXXX. I didn't hear from them until today XX/XX/XXXX claiming they were filling with the local jurisdiction XXXX XXXX and going to serve me at work ( they had the incorrect employer, I didn't correct them ) I asked for more clarification but they keep repeating legal nonsense and don't answer my questions.
Complaint sub-issue: Account status incorrect

My first problem is in regards to 2 of my 4 loans, which were originally with XXXX XXXX. They were in forbearance when XXXX took over servicing in XX/XX/XXXX. Two of my loans were listed as having been 60-89 days late, but the other two not. This makes no sense, as I do n't pay these loans individually ; they  are all serviced under one umbrella. I 've been told by many different representatives that this was a clerical error, a problem during the transition, etc. I 've submitted documentation supporting my claim ( letters regarding approval of forbearance, the length of it, etc ), but they have not corrected the  inaccuracy. The second problem applies to all of my loans. I was on maternity leave in XX/XX/XXXX, and had my loans in forbearance while I was not working. During this time period, I received several calls from agents stating that my loans were past due and I needed to make a payment immediately. I made payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and each time I was assured by the representative I spoke with that nothing negative had been reported to the credit bureaus. Nevertheless, my credit report shows all four loans as having been 90-119 days late. I 've submitted documentation supporting my claim, but XXXX has not corrected the inaccuracies. I 've been consistently making payments for over 10 years now, with the occasional forbearance when in between jobs/illness/family issues. I 've provided documentation that XXXX has made mistakes, and yet they refuse to correct them. I 've tried communicating directly with them, and also submitting disputes with the credit bureaus, but ca n't seem to get anywhere. As a result of their errors, I have had to pay higher interest rates on loans, and in some cases was denied outright. I 'm really hopeful that perhaps the CFBP will be able to get farther on this issue. Thank you for your time and help.
Complaint sub-issue: Received bad information about your loan

XXXX university has shut down and I still have outstanding debt with them. I was told that once the school was shut down I could file to have these loans gone due to the school shutting down I would I do this?
Complaint sub-issue: Didn't receive notice of right to dispute

I received notice via my credit reporting monitoring service that IC Systems placed collections account on my credit in the amount of {$120.00}. I have not received any communication regarding this debt by mail or telephone. I immediately went and paid the balance in full. I am requesting that this collection be removed from my credit report immediately due to non-communication by IC systems and the fact I have paid the account off in full.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and Equifax Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and Equifax have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Problem with paying off the loan

I have car financed by Tesla finance, I was planning to pay off my car early so I make partial payment to lower the principal after I confirm with them, so I did pay {$41000.00} and I reserve and email saying the payment can not go to the principal and it will go for the monthly payment. 
I ask them to return my money back and they agree to return it back, it's been 2 month now and I still didn't get my money back and they keep taking interest on my payment, I contacted them no one answer the phone, I email them and they keep ignoring me they put me in really deep financial problem and I want my money back as soon as possible
Complaint sub-issue: Account information incorrect

They continue to report the information on my credit report incorrectly - I have reached out to them and all three credit bureaus on at 3 occasions via certified letter return receipt and they refuse or choose to not even respond. I believe this is due to religious discrimination so I am now reaching out to you to have them correct my three credit reports and report the account as current as I am disputing the reporting as being inaccurate according to my records.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Account status incorrect

On XX/XX/2021, XXXX XXXX at XXXX XXXX XXXX reported that my XXXX account was CLOSED ( see page 16 of attached credit report ). However, afterwards, they continued to collect and make negative reports to all three credit bureaus. Isn't this a violation of Fair Credit Reporting Act? They report that my account is CLOSED which signifies they have stopped collecting, but then make negative reports after XX/XX/2021 stating that my payments were late. When I saw the CLOSED XXXX account on my credit bureaus, I reasonably concluded that the account is closed and thus I am not making payments. Any reasonable person would assume this. However, it is unethical, fraudulent, misleading and violating of Fair Credit Reporting Act to continue to make negative late payment reports to a consumer 's account after reporting that the account is closed.