Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Company closed your account

I AM THE NATURAL PERSON AND CONSUMER AND THIS IS NOT A CREDIT REPAIR COMPANY. FIRST PROGRESS abruptly closed my account without my permission. According to 16 CFR 433.1 I the affiant has reason to believe and do so believe a purchase money loan, cash advance was given to FIRST PROGRESS as the creditor from the U.S. Treasury for a finance charge and the consumer credit was to be forwarded to the consumer or natural person, I the affiant, in this transaction for household, goods, and services in exchange for disclosed, limited and authorized use of the negotiable instrument, social security number or credit card and signature I have provided, which are all properties which belong to I, the affiant, so be it. Pursuant to 16 CFR 433.2 In connection with any sale or lease to a consumer, such as I, the affiant am aware, a contract must include the provision described in 16 CFR 433.2 ( a ) otherwise this contract would be known to be an unfair or deceptive act or form. In connection with this provision, I am invoking my right as the debtor to assert all claims and defenses against FIRST PROGRESS in connection with this transaction and or negotiable instrument and any other possible derivatives in order to recovery any amounts paid and its proceeds. I have claim to the interest and the proceeds of each trade and instrument in accordance with UCC 3-306 with the possessory right to both the instruments and the property. I'm also aware in accordance with 16 C.F.R. 433.3 FIRST PROGRESS is not exempt from any claims or defenses as described in 16 C.F.R. 433.2 ( a ) as I, the affiant, may invoke, his rights as the debtor in this consumer credit contract against FIRST PROGRESS for the unfair and deceptive practices as no contract after the date of XX/XX/1977 is exempt from 16 C.F.R. 433.3. A Promissory note is a negotiable instrument. FIRST PROGRESS has committed aggravated Identity theft and is still benefiting from my intellectual property. FIRST PROGESS ALSO TOOK 2 DOWN PAYMENTS OF {$200.00} IN CONNECTION WITH THIS CONSUMER CREDIT TRANSACTION. I have 2 accounts with FIRST PROGRESS.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Complaint sub-issue: Personal information incorrect

I sent 3 letters to the 3 Credit Bureaus.

One to each Bureau.

XXXX  received the letter and has not removed names that are incorrect on my credit report. 

Equifax received letter and notified it would take longer than 30 days to review incorrect personal information on my credit report. 

XXXX  received letter and has not notified me of them regarding receiving letter to remove incorrect personal information. Letter sent as certified mail. 

All letters were sent as certified mail.
Complaint sub-issue: Debt is not yours

Company say they sent a live check thru mail and I had no knowledge of it
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX performed XXXX separate hard inquiries in the span of 3 days ( XXXX XXXX and XXXX XXXX ) when I signed up for an account with them
Complaint sub-issue: Investigation took more than 30 days

I have sent credit disputed to this company regarding inaccurate information of two accounts reporting on my credit report. I have not received a response yet, its been longer than 30 days. See the accounts below : 1. XXXX XXXX Account Number XXXX 2. XXXX XXXX Account Number XXXX
Complaint sub-issue: Billing problem

I obtain a loan for XXXX. XXXX for a XXXX XXXX XXXX trough flagship credit acceptance first payment due date is XX/XX/XXXX made first payment on XX/XX/XXXX for XXXX loan went up instead of down went up to XXXX Flagship say they apply XXXX to interest and XXXX to principal, then I made a payment on XX/XX/XXXX due date XX/XX/XXXX flagship credit say XXXX went to interest and only XXXX dollars went to principal. They are calculation everything wrong my loan keeps going up instead of down. Money keeps getting apply to interest only not principal. The website doesn't allow you to make extra payments only minimal payments of XXXX. Now pay off balance shows XXXX as of today XX/XX/XXXX amount keeps going up not loan loan first payment is due XX/XX/XXXX and land matures last payment is XX/XX/XXXX it keeps going up how do they change terms and conditions after a contract is sign
Complaint sub-issue: Information belongs to someone else

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Information belongs to someone else

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. REFER TO THE ATTACHED IDENTITY THEFT REPORT. 

I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX AND XXXX BUT TO DATE I HAVE NOT RECEIVED A INVESTIGATIVE RESULTS REPORT AS OUTLINED UNDER THE FCRA.. YOUR FIRM COMMITTED FIVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE ARE ACCOUNTS REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE. 

I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$850000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XXXX I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX, XXXX. THIS LAW FIRM SPECIALIZES IN FCRA VIOLATIONS
Complaint sub-issue: Debt was result of identity theft

I am making a complaint against XXXX XXXX XXXX XXXX because in XXXX of 2019 my account was compromised. I was aware that I had 2 lines on the account and then my phone was shut off due to lack of payment. I traveled to my local XXXX XXXX XXXX XXXX to find out why the phone had been shut off and why the monthly bill was now way higher than the normal. After speaking with a representative at my location I found that there were now 22-23 lines on my XXXX XXXX XXXX  account. I was shocked and so was the representative, solely because I had a personal account, which should have only allowed for a total of four lines. I was then advised to leave the account as it was and open a prepaid line so that I could have use of my phone until I could get to the bottom of everything. After another call to XXXX XXXX XXXX I was told that these lines were added to my account on XX/XX/2019 in XXXX. I was in XXXX, Florida at the funeral of my grandfather and could not possibly have added lines to my account that day. The only names on the account were my own and another gentleman of whom did not have authority to make any changes on my account. I, in some way, was still deemed at fault even given this information. I had no part in these lines being added to the account and have no idea how or who added them and should not be held at fault for these fraudulent acts.
Complaint sub-issue: Information is not mine

I went to apply for a home loan and was turned down because of a judgment on my credit report from all XXXX agencies from an apartment complex that is not mine. I have been residing in a home for the past 7 years and this judgment is from 2012. I hired a law firm to do credit clean up six months ago and was assured this would be taken care of, however received a notice in the mail today from Equifax that their investigation concluded that this does belong to me. I am not sure what documentation could have been provided to confirm this but I have signed nothing to this matter at question therefore it must be some kind of fraud. I am having to put my home buying on hold until this is taken care of and I am pretty upset about that and very tempted to file some kind of lawsuit as this is not fair to me. Any assistance you can provide will be greatly appreciated. Thank you.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Please note that AR Resources sent derogatory credit information to the three credit bureaus XXXX, XXXX and XXXX stating that I did not make payment for the months of XX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXX. I usually make my payment online with my debit card. I made the payment for the month of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please note that my to the best of my knowledge my identity was comprised I filed an identity theft report in with Federal Trade Commission fTC report number XXXX. When I attempted to make my payment for the Month of XX/XX/XXXX I was asked to give the last 4 digits of my social security number. I sent email to AR Resources in XX/XX/XXXX. Please note that I have made consistent payment to AR resources since the year XXXX
Complaint sub-issue: Problem with personal statement of dispute

I was notified in XX/XX/2019 from my XXXX credit monitoring that there was a late payment marker on my Credit Report. I called myfedloan immediately to see what happened as I have not had a late payment in the 10 years I have had the loan. They stated on the phone in XX/XX/XXXX they had my wrong address even though I had all of my mail forwarded to a new address as I have done that with them before. They also said for some reason there was an error they received when also trying to send me emails and acknowledged there was an error in their system. They said even though it was an error in their system, it doesn't allow them to remove the incorrect late payment due to their error because the system is old and doesn't recognize that as a valid reason. They prompted me to file a dispute with their team and I did, and it was denied they then told me to reopen the dispute and provide all of this documentation which I did and they still denied it. I am concerned that they are able to ruin someones credit, and career by making this kind of mistake and wont take any steps to course correct their error.
Complaint sub-issue: Debt was paid

I was billed on XXXX/XXXX/15 for the ER doc who saw my son XX/XX/XXXX. The initial insurance payment left me owing a balance of {$520.00}. After talking with the insurance carrier - XXXX at the end of XXXX, the insurance company reprocessed the bill, because it was initially coded wrong, and the entire bill should have been covered. I let the ER physicians billing office know and they said they would put a hold on the bill and indicate it was being reprocessed. I got a collection letter XX/XX/XXXX for the {$520.00}. After calling my insurance, I learned they paid the full amount on XX/XX/XXXX electronically and it cleared with bank on XX/XX/XXXX. The ER doc 's office ca n't find a record of this, but I have the EOB and the draft number of the cleared insurance payment. They wo n't communicate with the collection agency to let them know it is being researched. I 've called the collection agency. I 've been told that the {$520.00} was my " deductible ''. This is n't true. I have also provided them with a copy of the EOB. I continue to get calls from the collection agency, despite providing proof to payment to the ER physicians via the EOB.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX of 2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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: Need information about my balance/terms

Allegedly, the servicing of my private student loan with XXXX has been transferred to FirstMark Services. Prior to the transfer, I had been current with XXXX and was promised an interest rate discount for making all payments timely. At the time of transfer to FirstMark ( approximately middle of XXXX 2016 ), I had asked both FirstMark and XXXX for a copy of my promissory note ( s ) for which they seek collection on to ensure that my interest rate discount had continued and so I could review the terms thereof. XXXX said I should call FirstMark. FirstMark said they did not have a copy of the note and they were waiting from XXXX. I have continually asked FirstMark over the last 3 months for a copy of the note and each time they have said they are waiting on it from XXXX. Additionally, FirstMark has said that under the agreement with XXXX that XXXX has additional time to provide the note to FirstMark. I am not a party to the FirstMark/XXXX agreement. I have waited 3 months to simply receive a copy of my promissory note which FirstMark has refused to provide or even give me voluntary updates. I have continued to pay FirstMark on their representation that they actually have the right to collect under my promissory note. However, I am growing increasingly skeptical of whether they have the legal right to collect under my note. At this juncture, in addition to this complaint to the CFPB, I am evaluating all legal remedies under the FDCPA and related state consumer protection laws.
Complaint sub-issue: Investigation took too long

I submitted dispute claims which included several items of dispute, via certified mail to both Equifax and XXXX, on XXXX XXXX, XXXX. Equifax received the dispute claim on XXXX XXXX, XXXX per the XXXX XXXX XXXX certified mail receipt and XXXX received the disputes on XXXX XXXX, XXXX. Per the Fair Credit Reporting Act of XXXX, disputes should be answered within 30 days. As of this date, I have not received documentation indicating an investigation of any kind from neither Equifax nor XXXX. I actually spoke with XXXX the Resolution Supervisor, ID XXXX. XXXX at Equifax. He claimed that there was nothing that he could do, but was willing to provide record of an investigation, which would have been after the 30 days. I did not speak to XXXX, but the same ruling applies, per the Fair Credit Reporting Act. 
As a result of non-compliance by XXXX credit bureaus, I am requesting that you enforce my disputed items to be removed by the bureaus immediately.
Complaint sub-issue: Old information reappears or never goes away

Bankruptcy is on my credit report and I was told that it should fall off my credit report within 7 years, it has been more than that and I would like to know why this information is still on my credit report.
Complaint sub-issue: Public record

This complaint is filed against CoreLogic SafeRent, who has produced an inaccurate report that includes landlord-tenant cases filed by XXXX from XXXX XXXX through XXXX XXXX. Specifically, CoreLogic SafeRent is inaccurately reporting the court cases as " case filed and the claim amount '' when in fact all of the cases were dismissed because payment had been made. CoreLogic SafeRent is required by the Fair Credit Reporting Act to report accurate information. CoreLogic is violating the federal Fair Credit Reporting Act ( " FCRA '' ) by systematically and illegally reporting court cases that have been dismissed. Because of CoreLogic 's inaccurate reports, I have been denied housing since XXXX and have been forced to live with family members. I have been employed with the federal government for 25 years, have a good salary, no open collections or late payments and a good credit score. However, none of these factors mattered when I applied for housing on XXXX XXXX, XXXX. The Management Company informed me that my credit score would warrant an approval, but they had to accept the decision not to approve based on the information that was received from CoreLogic SafeRent. For the sixth time, I have been denied housing based on the inaccurate court cases that CoreLogic reported. The inaccurate reports are misleading as it only shows the court cases as " case filed and claim amount '' which implies that the case is still open and the claim amount is still due. This is not correct and I suffered tremendously because of the inaccurate information. Had CoreLogic checked the court records, it would have realized that these cases were dismissed and there are no outstanding balances or money owed. I have faxed three disputes which have been ignored and no one has responded. Nor do this company answer the phone. I have not been able to get this resolved.
Complaint sub-issue: Account status incorrect

3 accounts that im not aware of that were previous removed and then added back on without a 5 day letter to let me know they were being readded ... were once again added again. 
Accounts : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX and trust twice with 2 different accounts. Also a letter was sent verfiying that the bankruptcy ct dors not verify bankruptcys with credit bureaus ... and 2 of those were deleted and one remains and these accounts were under those bankruptcys in which these should be deleted because they were not mine or these accounts.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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: Indicated you were committing crime by not paying debt

I have been requesting this your company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information the company possesses for I am worried that my personal information has gone into the hands of the wrong person and been used for their own interest. Therefore I want to request the following information and determine my next actions.
Complaint sub-issue: Contacted employer after asked not to

Contacted my employer and left a message with my human resources department. I sent written notice to not contact my employer on XX/XX/2016.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX, opened XX/XX/2017, amount {$420.00}, is being falsely reported.
Complaint sub-issue: Charged too much interest

XX/XX/XXXX I got a {$1500.00} cash advance from Discover Card. As of XX/XX/XXXX Discover has me still owing {$1400.00} on this cash advance. I have paid over {$1000.00} in interest and still being charged interest. I made a {$1000.00} payment on XX/XX/XXXX and still owe {$1400.00} on this XXXX year- old cash advance. I offered to make another {$1500.00} payment so I would not continue to pay interest on this cash advance but was told I would still continue to pay interest on the cash advance until I pay the balance of {$3900.00} in full according to XXXX who identified herself as my account manager and account supervisor on XX/XX/XXXX. 
This interest rate is unfair and too much! 
Note : I never missed a payment. XX/XX/XXXX I made a {$1000.00} payment. I made two {$200.00} payments and at other times made more than the minimum payment to pay down the balance on this Discover Card. The interest rate causes the balance to continuously increase rather than decrease.
Complaint sub-issue: Information belongs to someone else

I have submitted multiple disputes. I try to check by phone because online is blocked and they always say no dispute is open. Twenty theft reports sent multiple ocasscions and they seem not to even care about my credit I didn't use please I need help other bearues are way more helpful
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Record Type : Chapter XXXX bankruptcy petition Reference Number : XXXX Record Type : Chapter XXXX bankruptcy XXXX Reference Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXXXXXX XXXX 

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.