Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

I opened up an account with Home Depot. Made a large purchase. Home Depot wrote my address wrong omitting the XXXX. I did not receive a bill for 2 months. When I did I paid it in full except the two late fees that they were to reverse. They never did and they never updated my address until 5 months later. By then my debt had increased due to late fees. I explained to Home Depot they said I owed them and sent me to XXXX XXXX. I explained to them what happened and at one point by looking at my statements they confirmed my incorrect address and that I just left a balance of two late fees but refuse to remove this from my credit.
Complaint sub-issue: Debt was result of identity theft

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts and inquiries listed below IMMEDIATELY. 

Fraudulent/Negative Accounts : XXXX Account Number : XXXX Account Opened : XX/XX/2021 Balance : {$180.00} Inquiry Name : XXXX XXXX Date : XX/XX/2021 2021
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Upon review of my credit report, I discovered unauthorized credit inquiries. These unauthorized inquiry concludes that my identity has been compromised which can be very damaging to my credit rating. Please delete this inquiry from my credit report. Failure to do so is a direct violation of my FCRA consumer rights.
Complaint sub-issue: Debt was result of identity theft

I have called to explain that this is not my debt, and to have removed from National Recovery Agency, on XX/XX/2021. They all were very rude and hung the phone up in my face. I asked for a Supervisory and she was not helpful at all. The amount is {$620.00} Ref # XXXX. I have also filed a dispute with XXXX. I am request this debt that is not mines be removed from my credit file and my score retuned back to XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Can you please provide all records so I can review them for my records? Im building a case against you & currently I have numerous violations of the FCRA. If you continue to ignore my requests & continue to report this inaccurate accounts I will be seeking a legal remedy XXXX XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX. XXXX Late Date XX/XX/XXXX
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 16 USC 1681. XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX have violated my rights. 15 USC 1681 Section 602 A States : I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an 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 : Any other adverse item of information, other the 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 the information is inaccurate
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

Credit Card Companies wont defer my payments. I am a victim of government shut down.
Complaint sub-issue: Account status incorrect

FedLoan Servicing reported me as missing my payments in XXXX, XXXX, and XX/XX/XXXX. This was put on my credit report. I was a student at the University of XXXX at the time and my enrollment was at least half time. My federal loans should have been in school deferment. 
I talked to Fedloans over the phone and sent them a letter on XX/XX/XXXX and sent them documentation that I was elegible for in school deferment durring the times that if was reported that I missing payment. Fedloans responded with a letter dated XX/XX/XXXX which stated they had sent the corrected information to the comsumer reporting agencies to wich the incorrect information was previously reported to. However this infomation is still on my credit report.
Complaint sub-issue: Information belongs to someone else

Hello, My name is XXXX XXXX XXXX XXXX, and I am writing to whom this may concern today to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Account information incorrect

XXXX, Equifax, XXXX is allowing XXXX XXXX acting as debt collectors leave remarks on my individual report without my consent. 

Pursuant to 15 USC 1681a ( 2 ) ( i ) The term consumer report does not include- report containing information solely as to transactions or experiences between the consumer and the person making the report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  - XXXX
Complaint sub-issue: Can't use card to make purchases

I opened an account with First Progress Master card, however i have been making payments on time, none of my payments returned! I issued a check payment to the bank, my bank cleared the funds, the credit company refuses to add my payment to credit balance to increase my credit limit ... ....

First Progress Master card
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX  XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX-XXXX-Date of XXXX XXXX XXXX, XXXX
Complaint sub-issue: Trouble with how payments are being handled

Shortly before COVID, fedloan servicing contacted me and told me they were increasing my monthly payment because of an accounting error they made. My payment increased from about $ XXXX to $ XXXX. I'm concerned that they have misapplied payments and my balances are not accurate.
Complaint sub-issue: Company closed your account

I am a Discover Member since 2013, but they have closed my account but I never made a late payment or did any thing wrong, This is affecting my credit score since my total available balance is dropping significantly,
Complaint sub-issue: Information belongs to someone else

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, Equifax and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX  XXXX XX/XX/XXXX $ {$4000.00} XXXX/XXXX  XX/XX/XXXX {$1700.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$540.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX  XX/XX/XXXX {$230.00} XXXX  XXXX XXXX XX/XX/XXXX {$1400.00} Hard Inquiries XXXX  XXXX  XX/XX/XXXX
Complaint sub-issue: Debt was paid

I have never damage XXXX and XXXX to which I have spoken to and they said that they paid this bill. I should a Of the no medical bills on my credit report for they are all paid for by just insurance100 per cent
Complaint sub-issue: Debt was paid

Received a collection notice for an apartment that had major plumbing issues. I did what was required to be released from the lease XXXX month early. The manager told me to write a letter of my request due to the unsanitary health issues and now I have received this collection notice. I do not owe them any money, in fact they kept my deposit also.
Complaint sub-issue: Was not notified of investigation status or results

I have disputed several accounts that reports errors in my credit report with Euqifax, XXXX  and XXXX. All I want is for them to remove it completely from my credit report and establish my credit to have a better financial status. It has been seven months but they did nothing! I am very distressed and I hope you can help me to have them fix this issue. 

First Letter was XX/XX/2020 the second letter was on XX/XX/2020 the Third letter was XX/XX/2020 and the last letter was XX/XX/2020.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Information belongs to someone else

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Complaint sub-issue: Old information reappears or never goes away

I am reaching out to Equifax once again regarding information that was removed and has now reappeared since the breach. I disputed all medical per law in XX/XX/XXXX. Every collection was removed according to law. I check my credit report WEEKLY for any errors or old info that may reappear. Once a consumer dispute an item and it has been removed. I can never figure out why we have to keep checking to be sure it has not returned. It seems as though Equifax would keep record of items they have removed and the consumer does. This is why I dispute with CFPB, because there is always a electronic trail. I looked at my credit report yesterday and noticed a 33 pt drop due to an added old collection that was removed in XX/XX/XXXX.

I disputed this on XX/XX/XXXX and Equifax responded on XX/XX/XXXX with all items removed from XXXX XXXX. Please remove to the original complaint id # XXXX on XX/XX/XXXX.
Complaint sub-issue: Other problem getting your report or credit score

Last XXXX I went to login to MyEquifax. I did not remember the password so I clicked to reset it. When I was asked by the computer about accounts on my report I knew nothing about these accounts, After trying again, the computer gave me a 1877 # to call. I did and it asked the same questions and again it said it couldn't help me. I sent equifax, by the computer instruction, a letter and copies of 4 different ID 's on XX/XX/2020. I still have heard nothing and still can not get past their verification as it asks the same questions.
Complaint sub-issue: Company closed your account

I have held a Citi Credit card since XXXX, never been late, nor have exceeded my credit limit {$30000.00}. Sometime in XXXX, I decided to enroll in Auto Pay- Citi Card will withdraw the minimum payment due and I will add an additional payment to keep my credit card account balance low - I've been looking through out my XXXX  XXXX XXXX checking out account to find exactly which date this incident took place, but Citi withdrew the minimum payment due to them, pursuant to the credit card agreement and I had signed up to allow Citi withdraw an additional {$2500.00} from my XXXX  XXXX XXXX account , I review my XXXX  XXXX XXXX statement, and did not notice Citi had withdrawn such an amount, so I paid an additional {$7500.00} online, a day after, I reviewed once again my XXXX  XXXX XXXX checking account balance, and noticed that in fact, Citi had got paid {$2500.00}, so, I decided to make a stop payment for the unnecessary extra payment in the amount of {$7500.00}. The following month, I received a letter from Citi - cancelling my credit card account, I have spoken to everyone there, had submitted letters along with proof of bank statements, and still, they reject my version.. It is sad that a card issued in XXXX, and a customere who have never been late on his obligation with Citi, had been treated unfairly by this bank, I even lost my XXXX card, and my XXXX XXXX XXXX XXXX XXXX, because they were connected to such card ... I am formally filing a complaint with the hope that you guys with help me out ... .Cordially, XXXX XXXX
Complaint sub-issue: Didn't receive terms that were advertised

I opened my citibank accelerate saving account on XX/XX/2022, using their promotional offer, which saying that deposit {$50000.00} or more within the 20 days of opening the account and maintain for 60 days could get {$450.00} bonus. After I opened the account, I funded my account {$50000.00} by XX/XX/2022, and then I received the email from citibank on XX/XX/2022 saying that " Thank you for enrolling in the Citi Accelerate High-Yield Savings Tiered Bonus Offer '', which I have attached below. I suppose this email indicates that I am already enrolled in this offer which is in conjunction with my account ( the account number matches in their email ). But until today I didn't receive the {$450.00} bonus, I have called citibank on XX/XX/2022 and they opened a case for me XXXX, after their investigation they said that my account is not qualified for this offer. I suppose this is a misleading and deceptive behavior from citibank. I have uploaded the resolution letter from them, the file that saying my account is qualified for this offer and the statement showing that I have met all the requirements.
Complaint sub-issue: Public record information inaccurate

My husband and I filed for bankruptcy in 2015, case  number XXXX. XXXX has this on my credit report twice. I have disputed this three times online and attempted to contact them via phone, however after being asked to hold by the rep and left on hold for over 20 minutes, I could no longer hold. How can I get this corrected to where it only shows ONE time? I contacted XXXX XXXX, they advised the public record search only shows the bankruptcy once, not twice as Equifax has reported.
Complaint sub-issue: Didn't receive enough information to verify debt

In XXXX of XXXX, I placed a FOIA request for specific information concerning student loans that was sent to the Dept of Education. The Dept of Education failed to provide all the information requested at that time so I placed a 2nd FOIA request in XX/XX/XXXX and outlined information I would like to be provided concerning student loan debt along with additional information. 

Included in my request were items as listed 1. Offer 2. Acceptance 3. Consideration 4. Mutuality of Obligation 5. Competence and Capacity 6. Written Instrument I also requested from The Dept of Education servicer information 1. Assignment information 2. Terms and conditions 3. Borrower Acknowledgment Which is Federal laws and State laws for my state of TN. 

I also requested I be provided any securitization information ( SLABS ; Hedge Funds etc ... ) Additional request : Original paperwork Chain of title Assignments ( Please see email attachments ). 

I requested all the information provided notarized by of individuals who can testify under oath and utilized in a court of law. 

As of todays date, XX/XX/XXXX, I have not received any of the requested information. Fedloans, who has only stated they are servicing the loans, without the requested paperwork from ( Dept of Education ) or anything provided by Fedloans, or following Federal or State law requirements and in violation of TCPA ( Tenn Consumer Protection Act ). 

I applied for a Deferred/Forbearance of any loans Fedloans stated they have in their records.in XX/XX/XXXX. They took those loans out of deferrment/Forebearance the next month XX/XX/XXXX and have been trying to collecting over {$100000.00}. 

Licenses are also required to come into the State of TN. 

Please review : No. 19-2116 IN THE UNITED STATES COURT OF APPEALS FOR THE THIRD CIRCUIT Commonwealth of Pennsylvania, Plaintiff-Appellee, v. 
Navient Corp., and Navient Solutions LLC, Defendants-Appellants. 
On Appeal from the United States District Court Court for the Middle District of Pennsylvania Hon. XXXX XXXX XXXX Case No. 3:17-cv-01814-RDM
Complaint sub-issue: Problem during payment process

Two months ago I opened a card for a purchase around $XXXX and paid it off the same month when the statement came. This month I got another statement from them that had $XXXX outstanding balance. Apparently I was charged a $XXXX late fee as my payment was processed one day late. I have no idea how something that was postmarked at least 5 days before it was due would take so long to process. Then they stacked another late fee of $XXXX on the second month - which is why it added up to $XXXX. I called them and they removed the most recent late fee - but said I still owed them $XXXX. They also claimed to have called me to notify me but I have not received a single call or voicemail.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Equifax and XXXX to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Investigation took more than 30 days

I disputed all inaccurate accounts on my credit report with the bureaus on XX/XX/2020 and still have not received any response from neither credit bureaus.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions
Complaint sub-issue: Debt is not mine

ALLIED INTERSTATE LLC COLLECTION AGENCY REPORTING INACCURATE INFORMATION TO MAJIOR CREDIT REPORTING AGENCY HOW ARE THEY VALDATING THIS INFORMATION? THIS IS NOT MINE THANK YOU
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased tires from XXXX and also purchased the installation package ( to be completed by their technicians ) and road hazard with my Discover card. The next day on the way to my cabin I encountered turbulent handling and loud road noise. I took the vehichle to the local mechanic who said the tires had been inproperly installed and 2 had not even been weighted ... VERY dangerous. I spent a week going back and forth with XXXX and the very rude Manager at the location who advised me to " bring it back in '' obviously I could n't since it was over 200 miles away ... I had the shop make the corrections and rebalancing which I paid for with my Discover card also. 

I contact Discover to file the dispute and they have been unprofessional, unresponsive and yesterday forwarded me a notice saying the charge was valid and attached a reciept from XXXX with my signature ... DUH!!!!!!!!!!!!!!!!! The issue IS NOT my card was used fraudulently, it is that the services I received were unsatisfactory and quite frankly life endangering. Discover did not handle this properly and I will not pay this charge.
Complaint sub-issue: Debt is not yours

They have reported on my credit report that I opened an account with their client XXXX  in XXXX of 2020. They are now collecting on their behalf. That is false. It has been over seven years since Ive had cable with XXXX  and by law they shouldnt be reporting anything on my credit report. Especially since its been over seven years that illegal.
Complaint sub-issue: Debt is not yours

On XX/XX/2022, Jefferson Capital Systems agreed to dispute/delete collection from my credit report because the debt does not belong to me and the address on file is not mine. I was also given a reference number. However on XX/XX/2022 the debt was updated on my XXXX credit report as accurate although I was informed that it would be removed.
Complaint sub-issue: Their investigation did not fix an error on your report

by XXXX deposit bank on XX/XX/XXXX I paid {$5000.00} on my account which would have been almost 12 payments which in term would have put me almost 12 months ahead. I continued to make my payments after this and I paid the loan off by XX/XX/XXXX. 
even though I paid ahead I was charged 35 late fees and counted as late even though I was a year ahead and I still made monthly payments. 

then XXXX XXXX and XXXX XXXX say I owe them money that I do n't.
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 an account without my written instructions.