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

XXXX is reporting negatively on my credit report. They have reached their statute of limitations in reporting and this item must come off my report immediately.
Complaint sub-issue: Was not notified of investigation status or results

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.
Complaint sub-issue: Not given enough info to verify debt

An account that was in collections with a company called Enhanced Recovery Company for an old cell phone through XXXX was re-aged on my credit report. I contacted ERC and they investigated the dates and basically they decided to remove the account from my credit report. Last week I get and alert on my credit monitoring that a new collection account has been listed on my credit report and the same account from XXXX is now listed by a company called XXXX XXXX XXXX and they have a date or account being opened as XX/XX/2017. I attempted to contact XXXX by phone and by email all last week. I never got a reply of any kind back from them. This account was supposed to be permanently removed from my credit report by ERC and it seems they not only re-added the account they sold it to another company and that company re-aged it.
Complaint sub-issue: Investigation took more than 30 days

I have attempted to have my information verified through the three bureaus and have received no correspondence nor update on the matters I brought to their attention. I feel that they are not complying with their own policies and have left me no choice but to file this complaint in hopes I receive better results this way.
Complaint sub-issue: Information belongs to someone else

FRCA Violation credit card XXXX XXXX XXXX XXXX FRCA Violation real estate loan late payment XXXX CARES ACT Violation personal loan late payments XXXX FRCA Violation other loans MOBILOANS LLC FRCA Violation hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation collections XXXX XXXXXXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Company : XXXX XXXX account # : XXXX To whom it may concern, On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state. 

Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt. 

I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney XXXX XXXX. 
Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Information is missing that should be on the report

I am having issues getting my accurate information to reflect on my report. I have a XXXX XXXX, XXXX AND XXXX XXXX ACCOUNT THAT IS NOT SHOWING! My XXXX  XXXX is XXXX XXXX XXXX XXXX, My XXXX is XXXX XXXX XXXX XXXX, my XXXX XXXX is XXXX XXXX XXXX XXXX.
Complaint sub-issue: Account information incorrect

XXXX XXXX erroneously reporting available credit as recurring balance to credit agencies ( XXXX, Equifax, XXXX ) which has decreased my credit score
Complaint sub-issue: Received bad information about my loan

I was given misinformation by one representative on when my grace period would start based on when FedLoan Servicing receives the letter of separation about my graduation from my university. I had graduated in XXXX XXXX, 2016 and made a call XXXX XXXX, 2016 to confirm the status of my grace period. I told the representative that I had just graduated but that my FedLoan account still showed that I was enrolled so I was not sure when my grace period would start and that I would be accruing interest. The representative was sure that the grace period would start the day my school sends them the letter of separation, not the day I graduate. She gave an example in which FedLoan receives the letter in XXXX : the grace period would then start XXXX and I would have six months from XXXX before repayment. This information was wrong and it turns out that interest has been accruing since XXXX XXXX without my notice since I believed I would be charged interest from the day FedLoan receives the letter. I trusted that as my student loan servicer, FedLoan Servicing would provide me the correct information but that was wrong and I now bear the cost of their misinformation. I thought that as a student loan servicer, FedLoan 's information would be the most up-to-date, especially because I was still showing to be enrolled on FedLoan 's online portal. I wanted to make sure that my grace period has not started and was told that it did not. Customer service was not helpful about remedying the mistake, which was made with the wrong information. I can not believe they are still allowed to be a student loan servicer when they obviously do not care about the students they service and do not own up to their mistake. How is this allowed when you deal with so many students asking similar questions and you are giving out the wrong information? FedLoan Servicing should not be allowed to handle student loans.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX pulled my Equifax report on XX/XX/2017. XXXX XXXX issued a letter on XX/XX/XXXX saying they would remove the inquiry. Equifax was provided a copy of the letter after 30 days went by and the inquiry not being removed. Equifax stated XXXX XXXX did not file the removal correctly and they can't remove with a copy of the paper letter so I am filing a complaint against both companies.
Complaint sub-issue: Can't close your account

Around XX/XX/XXXX I applied for and was approved for a Citibank Costco Visa card. On XX/XX/XXXX, I requested that my Citibank XXXX XXXX with the account number ending in XXXX be closed. At that time I tore up the card and discontinued it 's use. Please see the email attachment confirming closure of the credit card.
On or about XX/XX/XXXX I discovered that the card was not closed, and that a single recurring charge posted to the account. By the time I discovered the source of this charge, the card has been reported against my credit report as being over 60 days late twice.  Since the account was supposed to be closed, I did not monitor any activity on the card. I was not receiving any statements from Citibank either online or by regular mail. But this charge posted to the account and despite resolving this with Citibank.
I did receive a notice that I had a late payment on my credit card account. When I contacted Citibank, they pulled up my new Costco card and not the AAdvantage card  by mistake. They told me that the notice mailed to me regarding a missed payment was an error and to disregard. Again, since the AAdvantage account was supposed to be closed, that account was not checked. Had the Citibank representative practiced due diligence, they should have discovered the old AAdvantage account was not closed and the problem could have been resolved at that time.
This error has taken a significant impact on my credit. Citibank 's error dropped my credit score from and XXXX to a XXXX ( and at one point a XXXX ). I have been a Citibank customer since XX/XX/XXXX and up until this point I have never had a late payment with them. This late payment was not my fault. This late payment was due to CitiBank 's failure to properly close my AAdvantage account in XX/XX/XXXX. Had this account been properly closed, the single recurring charge would not have posted.
Complaint sub-issue: Information belongs to someone else

I have been denied credit due to identenity theift, I have an ample amount of account that were opened in my name and the credit bureaus are not allowing me to dispute these accounts with them online. I am not happy with the way this situation is being handled and i am asking that the cfbp steps up and make the credit bureaus do what is right by law. I am asking that this inaccurate information about me is blocked by the credit bureaus
Complaint sub-issue: Frequent or repeated calls

They repeatedly call, leaving a message for " XXXX XXXX '' or something. This is not me and I have no option to stop them calling cos it's a robocall. I XXXX  number and it tells me it's from ProCollect ( not mentioned in spam ).
Complaint sub-issue: Account status incorrect

My mortgage was transferred to Raymond James Bank a few months ago. 

They sent me a letter telling me that my mortgage has changed to them and asked for my bank account info for payment - which I found suspicious since the loan number was different and I hadn't received anything saying Raymond James Bank was my new lender from my existing bank ( XXXX ). They had said my loan would be transferred to " XXXX XXXX XXXX ''. 

I called RJB to figure out if it was legitimate or fraudulent. They had the right info about my existing loan so I ended up setting up my account and signing up for automatic payments over the phone. 

Then a couple months later I got a notice in the main that my account was delinquent. I called and it turns out that the automatic payments wouldn't kick in for 2 months ( which they never told me on the phone ), and once the payment was missed, the automatic payments were cancelled too. 

After calling I immediately paid the balance and called back to verify it wouldn't be reported as late to the credit bureau, but it turns out they had already sent the delinquent status to the credit report. 

They promised that they would fax letters to the credit bureaus to remove the negative marks, but that was several weeks ago and the negative marks still remain on the credit report. 

I've emailed and called them several times and still have gotten no response from them about the issue with my credit being resolved. 

The RJB online presence is extremely dated and difficult to navigate ( e.g. to tell what the outstanding balance is or set up automatic payments ). In this case my flawless credit of XXXX dropped nearly XXXX points due to mix ups in their payment systems that weren't communicated to me, and now several weeks after I've paid the balance and discussed the credit issue with them they've failed to address it with the credit bureaus.
Complaint sub-issue: Investigation took more than 30 days

EQUIFAX REFUSES TO REMOVE A BANKRUPTCY OFF MY CREDIT REPORT EVEN AFTER THEIR SISTER COMPANY XXXX WHO PROVIDES EQUIFAX 3RD PARTY INFORMATION REGARDING THIS MATTER HAVE REMOVED IT FROM  THEIR DATABASE. LETTER ATTACHED FROM XXXX. 

THE FAIR CREDIT REPORTING ACT STATES THAT A BANKRUPTCY " CAN '' REMAIN ON YOUR CREDIT REPORT FOR " UP TO '' 10 YEARS WHICH IS THE LEGAL MAXIMUM, NOT THE MINUMUM. THEREFORE IT CAN BE REMOVED EARLY. 

XXXX & XXXX BOTH HAVE REMOVED THE BANKRUPTCY OF 6 MONTHS AGO.
Complaint sub-issue: Debt was result of identity theft

I am a victim of Identity Theft. Back in XXXX I went to a shopping center and lost my purse which contains ID 's, money and some personal effects. I did not bother to report since I was too complacent that maybe it was just another petty theft and realized later on the gravity of what happened. Fast forward.. XXXX of this year, for the first time I pulled up my credit report since I am looking for house. I noticed that there was a credit card opened back in XX/XX/XXXX with XXXX XXXX XXXXXXXX, a collection account from IC System ( original creditor is XXXX and a medical collection from XXXX ( original creditor is Georgia XXXX XXXX ). The total balance of it all is roughly $ XXXX. I tried reaching out to the companies and even disputed it to the bureaus but they did not take my complaint seriously and ignore it up until now. I already filed an FTC affidavit and I am waiting for the copy of the police report I filed. This kind of matter should not be taken lightly. The unwillingness of the bureaus and the company clearly violates the Fair Credit Reporting Act..
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 the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items 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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have paid off several accounts and the credit reporting agencies XXXX and Equifax will not update or remove the derogatory information. The accounts XXXX and XXXX XXXX are both paid in full. Both agencies have been notified of the pay off and continue to report as negative. I've asked for several investigations and offered to provide proof of paying it off and they still report derogatory information saying they have verified it. But I have proof of payoff. Both accounts show pay off to XXXX XXXX and XXXX that's my bank account XXXX XXXX statement so you can see both accounts are paid off.
Complaint sub-issue: Deposits and withdrawals

I opened an account with US Bank and promptly deposited a personal check from my uncle to help me cover bills from my recently ended unemployment until my first paycheck arrived. I was assured there would only be a three day hold when I deposited the check on XX/XX/18. It is now XX/XX/18, a freeze has been placed on my account, I've been accused of fraud, I've had to leave work early to meet that branch during their office hours and still have received no solution. They will neither let me have my funds nor close my account. As a result, bills have bounced and I've had to address issues with creditors. I have called their 24 hour hotline and they still refuse to help me and insist I go to their branch during business hours.
Complaint sub-issue: Their investigation did not fix an error on your report

My identity was stolen me and my family of XXXX will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft.which is a violation of the Fair Credit Reporting Act, 15 USC sections 1681i, which the Credit Bureaus are obligated to finish their investigation within 30 days. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), I need the following accounts corrected now : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX also my ssn is XXXX bank statement attached drivers license attached
Complaint sub-issue: Their investigation did not fix an error on your report

I have reported XXXX to Equifax, XXXX, XXXX, asking them to Validate the debt of the amount {$520.00}. Under the fair credit reporting act as it is reporting inaccurate on my credit report. I started this process in XX/XX/2018-present. I have even sent validation letters to XXXX and spoke with a representative, asking what information do they have on file, making me liable for this charge-off account, she informed me, nothing. This matters has not been taken seriously in validating this debt.
Complaint sub-issue: Information is missing that should be on the report

cra inaccurate information ftc,,fra violaiton
Complaint sub-issue: Information belongs to someone else

I am filing this complaint against equifax. i already sent over my id proof of address and fraud report. i was a vicitim of not only the equifax breech but fraud all over since covid. I just got off the phone with customer service representative who hung up on me. Equifax is violating my credit rights but not blocking these fraudulent items on my report. I am asking the consumer bureau to investigate this matter. And if not I would like a higher agency to deal with this.
Complaint sub-issue: Company closed your account

They closed my card due to inactive with no in-advance warning. And told me all of my cash rewards are forfeited.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXXXXXX XXXX, but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and condifentialtiy under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX TX, XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ, XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX States I have the right to privacy XXXX XXXX XXXX section XXXXXXXX XXXX XXXX XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) 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 XXXX XXXX 

XXXX XXXX XXXXXXXX ( A ) ( XXXX ) section states : 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: Information belongs to someone else

These accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft LENDING CLUB Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

11. Identity Theft XXXX  Date of inquiry : XX/XX/2019 This is not mine.
Complaint sub-issue: Was not notified of investigation status or results

My account was hacked due to Equifax & XXXX breach the accounts that were in my XXXX   reappeared delay payment the accounts were all deleted and then reappeared I was not notified by Equifax in five days that they were going to re-put what they had taken off back
Complaint sub-issue: Account information incorrect

We bought a truck and used Bank of the West for the loan. Everything was fine until XXXX. I was a dental assistant and was sent home from work, with no notice because of covid19. I applied for unemployment benefits but could not get any help for months. I contacted Bank of the west in XXXX and applied for help. I got their Disaster relief plan, and they told me it should be fine. Well they have been reporting the late payment on our credit report 30 and 60 day latest. Also after we started making payments they are still reporting that those months are over 30 days late and they were not. they were late but not over 30 days late. I have disputed these charges on my credit report for the last 5 months. They are still reporting these 30 and 60 day late payments. I tried calling and talking to them. They did not want to help me at all. I'm very frustrated we have paid all the payments and all their fee we don't deserve to be treated this way. It is hurting us financially. We had to sell our home to pay off our debts, and now we can't buy another home. Because of their false reporting. They also drag their heads about posting the payments. I sent our resent payment in last week. I just noticed on the print out I'm going to send you. They have not posted our payment yet. This payment history is being downloaded and sent to you from Bank of the west website! So they know we were not 30 days late. Every month when I dispute these late payments, they just change the month that they say we were 30 days late in.