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

A 60 day late was reported for one of my accounts while my account was in forbearance last year ( XX/XX/XXXX ). A late should not have been reported as no payment was due, and when payments resumed, all payments were made on time. I spoke with a XXXX XXXX representative and they went through my account to confirm this with me. 
The 60 day late reported XX/XX/XXXX. I made a forbearance request payment on XX/XX/XXXX and XX/XX/XXXX. ( I requested forbearance for two accounts, two times in a row at $ XXXX/each ). I believe this issue may have been a result of my account having previously been in forbearance with another forbearance requested immediately after. The dates are as follows : Forbearance requested XX/XX/XXXX for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Forbearance requested XX/XX/XXXX for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Payments for the account resumed XX/XX/XXXX. 
I am requesting that you please look into this and remove the late with all three credit bureaus.
Complaint sub-issue: Information belongs to someone else

I have found fraudulent accounts in my report :  XXXX   XXXX   XXXX  -  XXXX      XXXX   XXXX   XXXX   -  XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Ive disputed this account several times and each time the information comes back as verified and updated. My most recent dispute was through the CFPB site in XXXX. They are reporting an inaccurate date of last activity and an inaccurate account number. 
XXXX Account numbers are listed as XXXX and XXXX ( ON XXXX ) They need to remove it from my account and stop reporting for FCRA non-compliance of inaccurate data furnished on my credit report
Complaint sub-issue: Their investigation did not fix an error on your report

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that MACY'S/DSNB has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Complaint sub-issue: Account status incorrect

This is not my account. Please provide the original instrument of indebtedness or remove. This account has all kinds of errors. How could you be late on account that is charge-off. There is no activity and last payments and history is inaccurate. In addition to that I do not recall this account, so please provide method of verification as well.
Complaint sub-issue: Debt was paid

I receive 5-6 calls a day from this company stating I owe a debt from an XXXX wireless phone bill. I have told multiple people that I do not owe this bill. I settled the account And paid it off in XX/XX/2012. I have asked this company to send me a formal letter so that I can respond with proof I paid this off. I received a copy of a random bill with nothing else stating they were collecting on this debt. I have called multiple times and ask that they mark this account as a dispute. I have provided proof this was paid in XXXX so 5 calls a day is a little excessive.
Complaint sub-issue: Account status incorrect

i checked my credit today and found XXXX XXXX is still reporting a debt from XXXX that is not owed. I want the trade line deleted immediately. i tried to submit a dispute through equifax website for this item and several more but the system caused an error when i clicked submit.
Complaint sub-issue: Investigation took more than 30 days

I sent a letter ( attached ) to all three credit bureaus asking them to validate 2 accounts on my credit report and to correct a duplicate account. 
30 days have passed and I have received no communication from any of the credit bureaus to acknowledge my dispute or to show that these accounts were researched and deleted for non-verification within the 30 day timeframe.
Complaint sub-issue: Information is not mine

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows THIS ACCOUNT IS A FRAUDULANT ACCOUNT : B XXXX FIN SVCS LL XXXX IQUIRE NOT DONE BY ME ADT LLC ADT SECURITY Miscellaneous XX/XX/XXXX Equifax DEFENDER SECURITY Miscellaneous XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX SER Miscellaneous XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX Miscellaneous XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX SER Miscellaneous XXXX XXXX, XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion CREDIT PLUS Miscellaneous XX/XX/XXXX TransUnion & Equifax XXXX Bank XX/XX/XXXX TransUnion CREDIT PLUS Miscellaneous XX/XX/XXXX Equifax XXXX Finance XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX Bank XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX Bank XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX Bank Apr 2, 2015 Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX, XXXX A Oil Companies XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax CREDIT PLUS Miscellaneous XX/XX/XXXX Equifax XXXX Miscellaneous XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax CREDIT PLUS Miscellaneous XX/XX/XXXX Equifax CREDIT PLUS Miscellaneous XX/XX/XXXX Equifax CREDIT PLUS Miscellaneous XX/XX/XXXX Equifax CREDIT PLUS Miscellaneous XXXX EquifaX
Complaint sub-issue: Account status

there is a collection on my equifax credit report, # XXXX it was only a checking account and equifax has it listed as a credit card or loan??? how can that be on a checking act only??? Secondly I have paid the XXXX $ and was told to file a dispute. I just got the paper work from the bank. How do I get a hold of equifax?? I would prefer to do by phone??
Complaint sub-issue: Public record information inaccurate

XXXX recently removed an incorrect bankruptcy that is reporting on my credit report. I have sent the paperwork that was sent to me showing that this bankruptcy was incorrect and Equifax still will not remove this incorrect item from my credit report. There is no way that they can verify it as accurate when it is not on my credit report. The company that verifies bankruptcy 's for Equifax is XXXX and there is no way that it can be verified when it is non existent.
Complaint sub-issue: Received bad information about your loan

I ha ve   XXXX   l oans with Fedloan Servicing, they are reporting late on my credit report for  XX/XX/XXXX  and  XX/XX/XXXX , they finally put them in forebearance in  XXXX   XXXX ! I was in an in school deferment and that ended in  XX/XX/XXXX , i did not receive a Notice of Deliquency in the mail or by email that my loans were back in repayment in  XX/XX/XXXX ! I tried to explain to Fedloan Servicing Reps that I believed that my payments were already in forebearance automatically for 6 months after school is out, as I am still a student and I have not graduated! On top of that, I never received a late notice, I received a call on the 89th day and the Rep said that they would do a complementary forebearance to cover my period of delinquincey while I waited to receive my forebearance information and send it in, after i finally receieved the forebearabce information I was reported 120 days late which i just found out about this year when checking my credit report! I have never been late since  XX/XX/XXXX , and due to mis communication and lack of me receiving notices, fedloan will not remove delinquencies!
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed a Discover Financial Service LLC item on my credit report from XXXX several times, the last time being XX/XX/XXXX. I just received an email from XXXX rejecting my dispute, claiming it is legitimate. I have not had a Discover Card since about XXXX and have no idea where the charge of {$7600.00}. comes from. 
I submitted all this info, along with proof of address and other information that they requested, to both XXXX and to Discover, and my dispute keeps being denied.
Complaint sub-issue: Investigation took more than 30 days

I have been trying to get Equifax to investigate and correct inaccurate information on my credit report. I sent a letter to them XX/XX/XXXX and I have not received a response back in over 30 days. I also tried to fix this with the furnisher, but they failed to investigate and failed to validate the information.
Complaint sub-issue: Charged too much interest

I had XXXX balance transfers on my Citi credit card. One was at 3.99 % for the life of the loan, and one was 0.99 % until XXXX XXXX, after which it turned to a 19.49 % interest rate. Soon after XXXX XXXX, I sent money to pay off almost all the previous 0.99 % interest rate loan, now 19.49 % interest rate. Citi used the money to pay of the 3.99 % interest rate ( for the life of the loan ), and paid the extra toward the 19.49 % interest rate ( and, starting the XXXX statement, the interest rate moved to 19.74 % ). I called XXXX  times about this. XXXX times they told me it would be corrected, but I then receive a note saying that the payments were applied correctly, although in the note they stated " Please note that payment amount greater than the minimum due are applied to balances with higher APRs before balances with lower APRs. '' This is, of course, exactly what they did NOT do. I called, and they told me that they would not be correcting the situation. As far as I know, they are legally required to pay off the higher interest rate loan with anything over the minimum payment, but they did not. The fact that they lied to me on XXXX different occasions saying that they would correct the problem, but not doing so, and then denying that they were acting inappropriately, is appalling. They need to correct the problem, and refund the overpayments they've taken using the inaccurate interest rate. 
When I call, the person always states that the 3.99 % interest rate loan ended in XXXX XXXX, but it was for the life of the loan ; it " ended '' in XXXX XXXX because Citi paid it off. Looking at the information abou the loan, it says " Balance Transfer Rate Until Paid in Full. '' But this loan should NOT have been paid in full, and it was only because Citi inappropriately paid it that it ended in XXXX XXXX. 
I've attached screenshots of my XXXX, XXXX and XXXX statements from Citi. 
In XXXX 's statement ( issued on XXXX XXXX ), I was charged at the 3.99 % for {$4000.00}, and at the 0.99 % rate for {$7500.00}. That was fine. 
The 0.99 % interest rate ENDED on XXXX XXXX, clearly stated on my bill, and converted to 19.49 % ( as will be seen on my XXXX statement ). 
On XXXX XXXX, AFTER the 0.99 % interest rate converted to 19.49 %, I paid {$7500.00} and on XXXX XXXX, I paid {$50.00}. This should have paid off almost all of the now 19.49 % loan. However : In XXXX 's statement ( issued on XXXX XXXX ), the 3.99 % interest rate was applied to {$730.00}, and the 19.49 % rate was applied to {$4600.00}, indicating that Citi used the money I paid toward the LOWER interest rate loan. 
In XXXX 's statement ( issued on XXXX XXXX ), the 3.99 % interest rate loan was at {$0.00}, and {$4000.00} was now being charged at a 19.74 % interest rate. Since then, nothing has changed.
Complaint sub-issue: Information belongs to someone else

This is an error it does not belong to me : XXXX XXXX Opened XX/XX/2017 ( 4 mos )
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is still reporting this collections accounts XXXX XXXX XXXX as verified and accurate. How can that be? This collections account shows an PAST DUE balance of {$830.00} and an OPEN status. This is illegal and in violation of several 15 U.S.C. laws. This collection 's account CLEARLY is in violation of my rights as a Consumer and MUST be deleted from my credit report ASAP. 15 U.S.C 1681 section 602 A. States I have the right to privacy. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

100 % proof of violation under federal law ( See attached file )
Complaint sub-issue: Account status incorrect

Every item on my credit report is showing as late payments in my credit report, and it should not be reported late payments. I am currently in a chapter XXXX over the last 2.5 years and the items on my credit report was included in my bankruptcy! Please remove ALL incorrect information on my report that is being reported late and/or delinquent! 

I did contact all the companies concerning this matter. Thanks. XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am a consumer XXXX, XXXX as identified in FDCPA 15 USC 1692a ( 3 ). I have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Ive recently reviewed my consumer report and noticed I have multiple authorize inquiries that are not associated with any open accounts on my consumer report. I will have my identity theft report attached to this complaint. Pursuant to FCRA 15 usc 1681 ( a ) ( 1 ) credit reporting agencies The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Pursuant to FCRA 15 usc 1681a ( d ) ( 1 ) The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for. So you should make sure these unauthorized account and inquiries are remove. Pursuant to FCRA 15 usc 1681a ( d ) ( 2 ) ( a ) ( i ) Exclusions from consumer report, report containing information solely as to transactions or experiences between the consumer and the person making the report. FCRA 15 usc 1681a ( d ) ( 2 ) ( b ) Exclusions from consumer report, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS
Complaint sub-issue: No notice of investigation status/result

I have continuously disputed the XXXX account on my credit file. I know i have disputed it with Equifax in the past and it is in current dispute with XXXX. I noticed on my credit report that the acount was removed, and then it was reinserted. I believe under the fair consumer act Equifax is required to notify me no more than 5 days after an account has been reinserted. I believe I have rights here that have been violated-on top of my dispute with fedloan. I believe that equifax has an obligation to remove the account from the file or they can fax legal charges.
Complaint sub-issue: Reporting company used your report improperly

Have mailed out several letters stating to the Credit Reporting Agencies of Tragic Event of Fraud And Identity Theft Being A Very Serious Cause Towards My Account Was Ignored Or Falsely And Unlawfully lied to about Accounts being reported is My Contract obligations of me owing debt with no written instructions or WET INK SIGNATURE stating approval for access to accounts and proper verification before opening accounts. The Credit Reporting Agency Which This Complaint is Addressed to continues to violate my privacy right and ALSO it continues to REPORT FRAUDUALENT ACCOUNTS WITH NO PROPER VERIFICATION, VALIDATION, OR CONSENT. AFTER BEING INFORMED multiple times through mail that accounts are fraudulent the CREDIT REPORTING AGENCY continues to report fraudulent claims and debts which consists of the CREDIT REPORTING AGENGY ASSISTING AND PREMITTING/ OR INVOLVED IN DOING IDETITY THEFT OR FRAUD ON CREDIT REPORT AND PUBLIC RECORDS. 

These are the accounts below.I 've also attached documents showing the attempts trying to get this matter resolved. 


XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

I have contacted the Equifax, XXXX, XXXX, and XXXX XXXX XXXX. 
Nothing has been done or verified. Per the terms of XXXX XXXX discharge if your college violated state laws and have used illegal or deceptive tactics to convince students to take out loans and attend. You wont have to pay back your student loans. The FTCs complaint charged that XXXX misled consumers in violation of the FTC Act by claiming that 90 percent of graduates actively seeking employment landed jobs in their field within six months of graduation. Advertisements making these claims appeared on television and radio, as well as online and in print and other media. 

The complaint further alleges that XXXX misled students by claiming that graduates with bachelors degrees, on average, had 15 percent higher incomes one year after graduation than the graduates with bachelors degrees from all other colleges or universities. 

The proposed federal court order requires XXXX to notify the students who will receive debt relief, and to inform the credit bureaus and collection agencies of the debt forgiveness. All loan and debt forgiveness will occur automatically. XXXX will also release transcripts and diplomas previously withheld from students because of outstanding debt and will cooperate with future requests for diplomas and transcripts and related enrollment or graduation information. 

The settlement also includes provisions designed to prevent XXXX from misleading consumers in the future. Among other things, it prohibits XXXX from misrepresenting the likelihood that graduates will get a job as a result of their degree. It specifically prohibits XXXX from including jobs students obtained more than six months before graduating whenever XXXX advertises its graduates success in finding jobs near graduation. The settlement also prohibits XXXX from misrepresenting the compensation or compensation ranges that students or graduates have received or can be expected to receive. XXXX University Agrees to {$100.00} XXXX Settlement with FTC. 

IT IS THE JOB OF CREDIT REPORTING AGENCY According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Complaint sub-issue: Debt is not yours

WE HAVE BEEN ON THE DO NOT CALL LIST SINCE XX/XX/2003. PLEASE ALL THE SPAM CALLS STOP.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the inaccurate information about my accounts has been diligently neglected by the credit bureaus. Despite sending them the last letter for the said request, I have not received any response up to this date. Besides, the fallacious information about my accounts is still on my reports. Therefore, the credit bureaus have 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. The Synovus Bank account is still reporting on my account.
Complaint sub-issue: Reporting company used your report improperly

To Whom It May Concern : I have noticed that you have placed an inquiry on my Equifax credit file dated XX/XX/2018, I've contacted Equifax several times about when i was first made aware of this matter. 

As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

Equifax report that you pulled a hard inquiry. 


Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; '' To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX and Equifax credit file dated XX/XX/2018 and XX/XX/2018. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

Both Equifax and XXXX report that you pulled a hard inquiry. 


Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or  knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; ''