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

Lending Club offered a payment plan last summer during my hardship. They specifically confirmed it would not negatively impact my credit. At the end of the three month program normal payments started back as normal. In XXXX when my credit score dropped significantly when reviewed I identified they had reported this account as 30 and 60 days late. I contacted them and they confirmed it was their error, it was definitely inaccurately reported, and they submitted the request to update. They asked for 30-60 days which would have ended XX/XX/2017. Now, after working to get two new loans I was told my score was much lower on two than I had known and those were the reporting agencies they used for loans which caused me to not only be charged more interest on two loans, but also be denied, and have higher inquiries due to the number of companies they had to go to for approval. I WORKED HARD to keep this from happening and this is absolutely costing not only more money but unfair to the consumer.
Complaint sub-issue: Information belongs to someone else

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$8800.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

After 40 days I still see inquires I have disputed still on my report. I did not give anyone my consent to use my stuff. I have contacted the B & creditors about this. First they dont respond for 30 days then after multiple disputes I get a computer generated response! Really!?. Under law remove this bs off my report now!.
Complaint sub-issue: Trouble using the card to send money to another person

I can not obtain my cash app card balance or approve any transactions because I can't log into cashapp
Complaint sub-issue: Account status incorrect

XXXX creditor was paid XXXX still showing on rpt.
Complaint sub-issue: Problem accessing account

My husband and I had a joint checking account with Ally Bank for less than two years. I closed the account approx XX/XX/XXXX anticipating our separation. 

A few weeks later, the account disappeared from my Ally screen without notice. Having had no notice, I had not yet downloaded statements and transactions quickly enough. I need these transaction records for tax preparation and for the division of marital assets. 

I called Ally Bank on XX/XX/XXXX. At the conclusion of that 38 minute call, the representative told me that **only my husband** can request the account records. Is this XXXX? It was a JOINT account! 

I emailed Ally through the website the following morning and have received no response. 

It is improper for Ally to deny account information to a joint account owner. I need these records immediately for pending legal and tax matters.
Complaint sub-issue: Account status incorrect

Please see the annexed complaint with exhibits against XXXX XXXX XXXX. On XXXX XXXX, 2017, XXXX previously responded to a compliant filed by the undersigned but the response contained false and misleading statements. The undersigned tried to contact XXXX and has demanded information but XXXX has ignored the issues altogether.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act these accounts have violated my rights : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX 15 U.S.C 1681 Section 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 1681 Section 604A Section 2. 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 reason.
Complaint sub-issue: Debt was result of identity theft

I was unable to get my debt resolved and I have told them and the original creditor my identity was stolen and they do not care and fail to acknowledge it as a debt that is not mine. The amount with interest is over XXXX $ but I would only owe XXXX $ if that due to charges that were mine. They would not show me signatures of things that are not mine and proof that the transactions were mine. When they should easily have been able to do this. I mean it is not hard to send it all by mail upon request. They even demanded I took a loan out for XXXX $ dollars and said they would sue me if I did not. When they have received multiple communications about this in the past from me and so did the original creditor. Which was Citibank
Complaint sub-issue: Problem using a debit or ATM card

XXXX  XXXX bank card wont work and was flagged for fraud but all the transactions were legit. I spend 3 hours calling the bank and no one seems to know how XXXX  XXXX to get the card unflagged. I need the card to work if it is supposed to not keep wasting time calling XXXX XXXX XXXX after another.
Complaint sub-issue: Problem during payment process

Citibank call center is so useless that I dont see another option but to use cfpb platform to fix issues. On XXXX XXXX XXXX XXXX has sent a balance transfer check to citi bank valued at {$7800.00}. The check is not reflecting in my account. As usual, citibank phone operators they do not know nothing about it, those operators never know anything, all they know is to give misleading information regarding disputes. XXXX XXXX XXXX has confirmed me they have sent the check to XXXX XXXX XXXX XXXX Arizona XXXX I think citi bank received the check but deliberately not applying the check to my account so you can charge me interest?
Complaint sub-issue: Frequent or repeated calls

I received phone call on XX/XX/XXXX about accumulated debt of XXXX for bed I am purchasing. Advised the representative I had just made a XXXX payment on XX/XX/XXXX and would try to pay more on XX/XX/XXXX with my next paycheck. The phones calls stopped till XX/XX/XXXX, when they started trying again to collect outstanding balance on my account. I advised them that I could not make another payment till after XX/XX/XXXX. Further was going to advise that previous representative said further calls would be prevented till XX/XX/2018, but new representative advised since no payment can be collected further collection calls will continue. And ever since then, they have called 5 times a day starting around XXXX - XXXX daily.
Complaint sub-issue: Information belongs to someone else

Last year I discovered a false account with XXXX XXXX and XXXX/XXXX  reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX  and XXXX/XXXXdenied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX and XXXX/XXXX  refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Complaint sub-issue: Old information reappears or never goes away

I discovered when I purchased a vehicle earlier this month that Home Depot listed my account as being past due by 90 days back in XX/XX/2015. I checked my email to see if they sent me monthly statements and there were no statements. Only when they notified me they were seeking a judgement against me did I receive a statement. It is the one and only time that I was late on any credit card payment, and it is affecting my score. Home Depot continues to let me use my credit card in their store, so they don't mind me using their card. I request this action on my credit score be removed and my credit restored to what it was before this unfortunate lapse in memory and their lack of sending me a monthly statement.
Complaint sub-issue: Account terms

I have reviewed my credit reports with a lawyer. He has informed me that Equifax is reporting to accounts illegally. They are not reporting the debt collector or creditors name. This renders the accounts non-verifiable and not accurate. A violation of Federal law. They have been written several times and have done nothing about this
Complaint sub-issue: Problem with customer service

Sent via email to XXXX on XX/XX/2020 at XXXX XXXX, my post discharge monitoring form. I want to make sure that it is processed and also need to confirm what year that I am in for the monitoring period. 

I have attached a copy of the completed form to this complaint.
Complaint sub-issue: Was not notified of investigation status or results

To Whom it may concern, on XX/XX/20, I sent a letters regarding inaccurate and unknown items on my credit report. to this day over 60 days later I have not received a response yet. I feel these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem corrected immediately, I will not wait another 50 days to receive no response from only to have to ignore my dispute. I demand that these accounts be deleted from my report immediately or I will file for litigation due to the stress and financial strain this process has caused me and my family. Section 611 ( a ), it clearly states that a failure to investigate these items within 30 days gives reason for immediate remove those items from my credit report promptly. 

Thank you XXXX XXXX
Complaint sub-issue: Debt was paid

I received a letter from Bay Area Credit Service indicating that my deceased mother had an outstanding bill with XXXX XXXX XXXX. 

When I called them at XXXX the man I spoke with said he could not talk to me but only my mother or her husband who was not available. I contacted XXXX XXXX XXXX and and they said that my mother 's accout had a zero balance and they had never sent anything to collections.
Complaint sub-issue: Reporting company used your report improperly

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE FOLLOWING COMPANIES HAS VIOLATED MY RIGHTS. 

US DEPART EDU account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX 15 U.S.C 1681 602 A. STATES I HAVE A 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 I REQUEST THAT THESE ACCOUNTS BE REMOVED FROM MY CREDIT REPORT AS SOON AS POSSIBLE
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 removal of the erroneous information about the unauthorized inquiries has been consistently neglected by Equifax. Despite sending them written letters since XX/XX/2021, I have not received any response up to this date. Besides, the inaccurate information about my inquiries are still on my report. 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  Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021
Complaint sub-issue: Information belongs to someone else

OPENED TWO ACCOUNTS FRAUDULENTLY XXXX AND XXXX XXXX REMOVED CREDIT CARDS THESE ACCOUNTS FROM MY CREDIT REPORT THANKS
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Debt is not yours

I have written to the Bureau ( on three occasions ), a collection company, asking them to properly validate the debt as required by the Fair Debt Collection Practices Act. All they can send is a single page billing statement. That is not proof, they must produce a document with my signature showing that I am financially responsible for this alleged debt.
Complaint sub-issue: Personal information incorrect

My credit report has an incorrect address. The address on the report is   XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX  , NV. Other than when I was in the  XXXX , I have lived in Colorado my entire life. Associated with this   XXXX  . address are bills from   XXXX   XXXX   and   XXXX   XXXX   XXXX   XXXX   XXXX  . Both amounts are less than {$100.00}. Every time I dispute these bills and ask for source documents to prove I owe, the bills are sold to collection agencies. When these receivables are sold as a package, the collection agencies reopen the outstanding debt, and it reappears on my report. I have a substantial credit history with mortgage, car loans and credit cards. I have NEVER been late on ANY amount I owe. There should be some protection against collection companies windmilling these bogus receivables. Thank you for all you do.    XXXX
Complaint sub-issue: Account terms

I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. there is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. 

I, as an American Citizen - have an entire right to have this dispute, heard, managed and resolved through this portal. Prohibiting my right, by again stating something you know, and have been told numerous time previously to be false - is prohibiting me of my right and is your liability. 

Your Comments from the previous and related dispute just filed on XX/XX/XXXX - are simply untrue. 

" Please be advised that Equifax will not respond to this complaint via the portal as we suspect that it may have been submitted using a credit repair company. The format and verbiage of this complaint is similar to many other complaints that we have received from consumers utilizing the services of a credit repair company or 'credit clinic '. To ensure the privacy of our response, we will send the results of our reinvestigation to the consumer 's current address utilizing our normal dispute process. '' The issue remains -- - This account is incomplete, and inaccurate. 

The XXXX XXXX Account, Activity Designation Should be " Paid and Closed '' and not NA. 

The Pay History should reflect only for the months in which this account was opened. 

When EQ manually updated this Tradeline XX/XX/2016, the Pay History was space filled with NR. 

The Comments and the HC listed, are inaccurate as well. The Card NEVER had a High Credit of XXXX, or was at the limit.
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX XXXX XXXX XXXX  {$3800.00} XXXX XXXX XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Complaint sub-issue: Reporting company used your report improperly

in 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 a account without my written instructions
Complaint sub-issue: Problem with fees

Received monthly statement for LLBean MasterCard issued by Citibank, NA, which included {$1.00} in interest charges. Called credit card customer service line on XX/XX/19 for explanation. Agent and her supervisor could not provide reason for charge and supervisor reviewed statements for prior 3 months to look for an explanation. All of my monthly payments have been paid on time. Unable to provide an explanation, the customer service rep cited a bank error. Amount credited. Concerned others may also be charged this fee by this businesss deceptive practices. Canceled credit card since company could not explain this charge. If every one of its customers is charged {$1.00}, {$2.00}, or {$3.00} in fantom interest charges, this amounts to a substantial windfall for this company. Please investigate for deceptive practices.
Complaint sub-issue: Reporting company used your report improperly

This is re : the Equifax leak in early XXXX 2017. Equifax told me my  information was potentially leaked, and then wants me to sign up for a complimentary " fraud protection service '' organized by Equifax, the selfsame company that leaked my information. On top of this, signing up with the " fraud protection service '' waives your right to participate in a class action lawsuit against Equifax for making the leak happen in the first place. Equifax are crooked.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

XXXX XXXX keeps adding delinquent accounts to my credit report of which I do not owe. In the past XXXX months I have disputed XXXX set of multiple debts they have claimed that I owe only to have them removed and then another set ( XXXX to XXXX  debts ) added at a later date. They have resubmitted the same debt again, the same debt multiple times and never once notified me of the debt owed or any specifics to the account. I have never received any request by mail. They are currently claiming the following debts : {$180.00} opened XXXX {$290.00} opened XXXX {$290.00} opened XXXX I have already disputed these debts multiple times via XXXX XXXX and had them removed, only to have them placed back on my credit report months later...
Complaint sub-issue: Billing dispute for services

This has to do with my Sallie Mae Account, I was going through financial hardship in XXXX from the months : XX/XX/XXXX-XX/XX/XXXX ... and unfortunately i was unable to make payments to this account for a few months. I was unfortunately laid off from my employer and was going through a very difficult period of time financially. I took hits that have followed me to this day and I have spent my HARD earned money properly educating myself about credit and the importance of maintaining good/healthy relationships with banks. Since i was able to get back on my feet and on the right track, I have made CONSISTENT payments every single month on time and will continue to do so from this point on. I am asking to receive forgiveness from Sallie Mae from the late payments in : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ... I plan to continue to maintain a good borrowing history with them, but these negative remarks are holding me back in general.
Complaint sub-issue: Old information reappears or never goes away

The fraudulent account that Equifax placed on my credit report stems from a child support case that has been closed years ago yet equifax is still reporting this as a negative account. I have a signed court order from the judge releasing me from this debt.
Complaint sub-issue: Account terms

I HAVE NO IDEA WHAT THESE CHARGES ARE FOR. I HAD XXXX SERVICE IN XXXX 2009. MY PLAN WAS UNLIMITED TALK TEXT ETC. AROUND XXXX XXXX 2009 THEY BILLED ME FOR SOME XXXX CALLS CONCERNING A COMPANY NAMED XXXX XXXX??? WHICH I NEVER HEARD OF AND THE AMOUNT OF THE FRAUDULENT CHARGES WAS ALMOST {$300.00}. I DISPUTED THESE CHARGES VEHEMENTLY BUT THEY WOULD NOT REMOVE THEM AND DID NOT PERFORM ANY TYPE OF INVESTIGATION. I CANCELED MY SERVICE AND I DO N'T KNOW HOW OR WHY THEY ARE REPORTING THIS AMOUNT AS MY DEBT.
Complaint sub-issue: Problem getting your free annual credit report

Because of the data breach at Equifax, and after confirming on their website that both my credit information, as well as my wife 's, may have been compromised, I submitted a 90 day fraud alert and then attempted to obtain my free credit report based upon my fraud report submission. The Equifax web site will not allow me or my wife to obtain our free credit reports without our accepting binding legal arbitration for any and all complaints against Equifax. When we decline to accept their online terms, we are prevented from submitting our requests for our free credit reports. We believe that this is a violation of federal credit laws, since it was the breach of their computers that jeopardized our credit information.
Complaint sub-issue: Their investigation did not fix an error on your report

Good afternoon, I am having a hard time with XXXX report I have all the other Credit Bureau removed things that don't belong to me I sent all the document requested from me since XX/XX/2018 still not been sold. XXXX not sending me report back about investigation when I send several request I am attached the result from XXXX that three collection was removed from my report and XXXX and Equifax need to update my file. I am writing each of them with the same attachment I am sending you now.