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

Upon requesting and viewing my credit file with Equifax ( File # XXXX ) I noticed several errors on my credit report. I have disputed by certified mail with the credit reporting agency ( Equifax ). Here are the errors that I need Equifax to correct. 1. XXXX XXXX XXXX- This account shows past due 120 plus days. This account was set up to be auto drafted from my bank account and was done so. In XX/XX/2018, I received a letter from XXXX XXXX XXXX showing paid in full and the company cancelled the auto draft ( since paid in full ). This account does not have a balance and was never in the history of the account ever paid late. 2. XXXX XXXX- This account is paid in full. 3. XXXX XXXX XXXX This is not my account. I have never done business with the company listed. 4. XXXX XXXX XXXX- This is not my account. I have never done business with the company listed.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Complaint sub-issue: Problem with customer service

Joint account, other authorized user never paid balance. Account has been charged off please remove from all 3 bureaus. This is greatly impacting my credit score.
Complaint sub-issue: Old information reappears or never goes away

We have been trying to get credit disputes off my reports from all three credit bureaus so that we can get a mortgage we called, faxed and wrote all three agency 's with no resolve. We are not disputing charges and in fact paid some off.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Overcharged for something you did purchase with the card

I withdrew my dispute case of Citi credit card on XX/XX/2020 just because I hit the wrong number. I should dispute {$12.00} instead of {$30.00}. But online status always shows {$30.00}, so I want to withdraw it and reopen the case.
Complaint sub-issue: Their investigation did not fix an error on your report

Please see attachments. Per FCRA regulations, please delete the fraudulent XXXX XXXX XXXX account from my credit report. My identity has been compromised and is being used to adversely affect my credit profile. EQUIFAX has been negligent in their efforts to address this matter. PLEASE COMPLY WITH FCRA REGULATIONS AND DELETE THIS ACCOUNT IMMEDIATELY!
Complaint sub-issue: Account status incorrect

I have been under a {$0.00} IDR repayment plan on my student loans serviced by FedLoan for 3 years. FedLoan has inconsistently reported my repayment history under these payment plans, which has had a negative impact on my credit scores. 

Some months Fedloan will report my {$0.00} payment as on time, while in other months the {$0.00} payment goes unreported entirely. 

FedLoan reports all three loans as active every month, so the total number of reported active months continues to accrue. However, when the bureaus divide the number of monthly payments Fedloan reportes as on time by the total number of months reported under the loans ( which includes months where Fedloan reports no payment information ) the resulting on time payment calculation is misleadingly low.
Complaint sub-issue: Problem using a debit or ATM card

I recently filed a complaint against BBVA for an abundance of unauthorized XXXX transactions. The company responded saying in the end they would reevaluate the charges and get in touch with me. Two weeks have gone by and not a single rep has reached out to me as stated in their response. A dispute has not been started ( again as they stated in their response ) and since I have left the account open to hopefully get my funds back they have now charged me {$64.00} in low balance fees. BBVA is completely unable to manage a bank, has little to customer support, and is being bought out which makes them probably care even less about people and when they get their money stolen. I would like my original dispute totaling over {$13000.00} and this {$64.00} returned to my account before having to file a class actions suit against the company.
Complaint sub-issue: Trouble closing card

This is furtherance of complaint # XXXX. The response from US Bank was that they have sent the balance on the debit card to XXXX  XXXX XXXX. I have ben in contact with XXXX XXXX XXXX and they have not received the funds from US Bank. If US Bank did indeed send the money to XXXX  XXXX XXXX, please have them send me proof of such transfer so that I can send the proof to the XXXX  XXXX XXXX. All I can tell them now is that US Bank has stated they have sent you the money.
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. XXXXXXXX XXXX XXXX XXXXXXXX : 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 Section2 : 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 seven years. 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 reachable cause to believe that the information is inaccurate.
Complaint sub-issue: Account status incorrect

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX //LATE open - Balance {$2200.00} XXXX  XXXX XXXX  XXXX //LATE open - Balance {$160.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, Fed Loan Servicing 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 : States a consumer reporting agency can not furnish a account without my written instructions.

I was promised the late payments on all my Fed Loan Servicing accounts would be removed from credit report by a representative of this company because I am still in school. This company has violated my rights and have not honored their promised as agreed upon.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX, Account Number XXXX XXXX XXXXXXXX, Account Number XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXXXXXX, Account Number XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXXXXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/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: Information belongs to someone else

Reviewed a copy of my credit report and seen accounts that are fraudulent and does not belong to me. The accounts need to be deleted from my credit report immediately. This is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : BEST BUY/CBNA  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Complaint sub-issue: Was not notified of investigation status or results

Equifax was recently hacked and I have been affected due to this issue. Because of their lack of security and infrastructure, I likely have to put my account into a forever loop of fraud alerts to protect my financial identity thieves from ruining my life. 

The failure to inform their clients since the initial hack in XXXX - now XXXX, and the quick sell out of investors speak otherwise of what was really going on in the background while trying to make money off of customers and still trying to please their investors. Please investigate this company for insider trading, fraud, and fine the company for practice maleficence.
Complaint sub-issue: Information belongs to someone else

I am unable to communicate to XXXX, equifax, XXXX and XXXX about inaccuracies on my credit report. The information is inaccurate and damaging me financially. The above listed companies do not have a way to be contacted. The slanderous and defamatory information is harming me financially. These above listed corporations are violating my civil rights.
Complaint sub-issue: Account status incorrect

My credit continues to be negatively impacted by this account and inaccurate credit reporting since XX/XX/2022. This account has been reported as a charged-off account continuously with no credit to the monthly payments being made. My issues began with this account after the initial XXXX occurred on XX/XX/2022, in which I was given XXXX  days ( XX/XX/XXXX ) to pay the amount of {$2300.00}. The payment also included my next monthly payment. After the payment was successfully made on Friday, XX/XX/2022, the vehicle was returned to me. Subsequently, XXXX additional monthly payments were made and both were posted to my bank account on XX/XX/XXXX and then XX/XX/XXXX. There are also attached screenshots of those payments posted to my bank account as proof but never corrected on my credit reports after recovery. My credit report does not reflect any of these payments made since XXXX and still shows the account as a charge-off prior to being seized again today with no explanation. This is a clear violation of the FCRA and continues to negatively impact my credit as time passes.
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting Act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 Section A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 a account without my written instructions.
Complaint sub-issue: Report improperly shared by CRC

Clarity Services has been giving, trading or sharing information on my credit report without my written consent as required by the 1974 Privscy Act. I tried to file a dispute with Clarity, but the website had no place to file a complaint. So, i am here to do so. I recieved a copy of my XXXX credit report on XXXX XXXX. I noticed there were XXXX inquiries on my credit report by Clarity and called the phone # listed. I got a message to leave a voicemail and someone would return my call. I did so, but nobody has reached out to me yet. Today i got my Experian credit teport and again XXXX inquiries not authorized by me. Thete are XXXX, by another company, XXXX from another company. Some one has to stop this. In todays world it seems we need a better way of credit reporting. And i for one think that we need to start from top and totally revamp what appears to be an outdated and corrupt system. I am fighting tooth and nail to get things off my credit report that are wrong, or left on for 6 yrs after they were told to take them off. Something needs to be done and fast.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2020 i contacted Equifax via mail to dispute inaccurate information on my credit reports. To date I have not heard a response in reference to my dispute.
Complaint sub-issue: Received bad information about your loan

I was charged a late fee of {$3.00} for the month of XX/XX/XXXX. This fee was paid on X/XX/17. On Monday, XXXX/XXXX/XXXX I called and spoke with a manager ( XXXX ) at extension XXXX asking the fee be removed. XXXX checked my payment history and verbally confirmed over the phone with me that the late fee of {$3.00} had been paid ( in XX/XX/XXXX ) and he was unsure why it was still on my account. XXXX stated he would put the request through and have the {$3.00} fee removed and my account current again. He confirmed he would call me on Wednesday ( X/XX/17 ) to confirm this was taken care of. On Thursday, X/XX/17 I followed up to speak with another manager only to be informed they are not removing that late fee of {$3.00}. I have paid above and beyond the late fee of {$3.00}. My monthly payments are {$60.00}. You will see below my payment history and how in-fact the late fee of {$3.00} has been paid. On X/XX/17 I made 2 payments of {$67.00} ( this covered the XX/XX/XXXX late fee of XXXX and covered and ensured that XX/XX/XXXX was paid on time ) On X/XX/17 I paid ( on-time ) {$63.00} when I only owe {$60.00} each month.
Complaint sub-issue: Account information incorrect

Dear Madam or Sir, I am disputing the information XXXX XXXX XXXX of {$1200.00} in my credit reporting. We do not owe any money to XXXX XXXX XXXXXXXX, on the contrary the company owe us because we overpaid them. 

Our last day in the apartment was XX/XX/XXXX and was credited 7 days rent. By looking at the attached balance statement you will see that the company charged us the month of XXXX, which is incorrect and does not make any sense. If so why give us 7 days credit for the month of XXXX? We moved out of the property in XXXX and returned the keys. 

Furthermore, if you look at the court document you will see that the eviction case was dismissed and all costs and taxes to be paid by plaintiff. Again, if you look at the same balance statement you will see that we were charged {$230.00}, which is in complete violation with the court order. 

I am requesting this wrong information to be deleted from my credit report because I do not owe any money to XXXX at XXXX. Thank you for your understanding!
Complaint sub-issue: Not given enough info to verify debt

a collection company by the name of ATG is collecting for a loan that was charged to my name. I explained that the loan was changed by the company in error because I never took the on line classes and was to be cancelled but they did not cancel the loan at all. Original loan was last paid in XX/XX/XXXX but this collection company wants to keep it on my report from the date it was put into collection from the original debtor not the time it was last paid. 
I explained that I read that bad charge offs come out after 7 years from last payment, but they want to put it from last date of transferred to a collection company. Spoke to original debtor and ATG and both of them confirm the same thing. 

I am in the process of using my credit and this debt is showing up that it was open again in XX/XX/XXXX vs the original date of XX/XX/XXXX - from the time it was again put into collection
Complaint sub-issue: Investigation took more than 30 days

I submitted a public record investigation request to LexisNexis XX/XX/2017. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA
Complaint sub-issue: Old information reappears or never goes away

In XX/XX/XXXX I was having an issue due to job loss and relocation two state 's away in an attempt to find work. In the process, I fell behind on my car payment. They repossessed the vehicle in XX/XX/XXXX. This account has been sitting there for over 4 years and it was no longer affecting my credit until Equifax, XXXX and XXXX have allowed them to reestablish the date today, bringing it to the forefront again. It now looks like a brand new repossession / failure to pay and has tanked my score. 
I believe that this is clear retaliation on the part of the Big Three to keep consumer credit scores down. I have worked very hard over the past three years to improve my credit rating ; paying all bills, credit card use is at the bare minimum and paid in full monthly. This is affecting my opportunity to have a life! I can not rent anywhere aside from an RV park because the Big Three keep allowing creditors that are at the fall off point to reestablish their date and thereby tanking my score. 
I have written you before with no assistance. Please ensure that the PRIVATE companies that you allow to have so much power over our lives, are in compliance with the LAW!
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Trouble with how payments are handled

I have been making regular monthly payments on an account I co-signed for on behalf of my daughter for the past five years. Private loan was with XXXX even though I always made payments to AES. I was given an account number and have used this same account number to pay on this loan. In XXXX of 2015, there was a transition between XXXX and AES and AES took over the full servicing of these loans. I continued making monthly payments as usual. My daughter also had another student loan with a different co signer. When this transition took place in XXXX, the payments that I was making were being applied to her other account and a portion was being applied to the account I was paying on. However, it appeared neither XXXX of us was making the full payment on either loan. AES reported late/missed payments to the credit companies which has severely affected my credit and that of my daughter 's. I provided proof of payment to them on the loan I co-signed for and have been making regular payments on for several years. AES said they switched account numbers and I was using the wrong account number. I was never informed they changed my account number. My daughter was not informed either. They claim they can not fix this. I have my house up for sale and want to purchase another home and because of their administration of their handling of these loans, I may not be able to get a new home loan. The customer service staff at AES will not help and if you talk to a different person, each time you get a different story. They are affecting the lives of people and have been rude and do not seem to care about their mistake. Please help.
Complaint sub-issue: Didn't receive enough information to verify debt

I XXXX XXXX XXXX XXXX d/b/a XXXX XXXX entered into a consumer credit transaction via with Citibank N.A. in XXXX of XXXX. A consumer credit transaction in which the terms of the transaction were deceptive. A written notification dated XX/XX/XXXX was received from XXXX XXXX XXXX, a law firm that Citibank N.A asked to contact me regarding the alleged debt which is a violation of 15 USC 1692b ( 2 ) ,15 USC 1692c ( a ) ( 1 ) and 15 USC 1692e ( 3 ). A validation of debt request was sent to Citbank N.A/ XXXX on XX/XX/XXXX pursuant to 15 USC 1692 ( g ), which was ignored. A notice of dishonor and opportunity to cure the default was sent on XX/XX/XXXX and was ignored as well. Citibank N.A then filed a complaint to sue ( See Exhibit B ), which is a violation of 15 USC 1692i ( b ). Citibank N.A also committed additional violations as evidenced by the attached exhibits.
Complaint sub-issue: Debt is not mine

Citibank has been callingfor almost XXXX weeks..at firsti thought it could have been a wrong numnber.When i would pick up then the phone would hangup.I get the calls first thing inthe mornings, during the day and pplthe evenings. I contacted a XXXX number and told the person what was happening and they said i should not get any more calls and i just received another from XXXX the same number. 
I have toneved had anaccount with Citibank and when it call it never asks to speak to someone. The number that is calling me is XXXX.
Complaint sub-issue: Information belongs to someone else

I FILED A COMPLIANT IN XXXX BECAUSE I WAS A VICTIM OF IDENTITY THEFT BUT HAVE NOT GOTTEN ANY HELP FROM THE CREDIT BUREAUS