Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reinserted previously deleted info

I have submitted a dispute and the issue was resolved then later placed back on my credit report incorrectly. They also are reporting old debts that are past the 7 year limitation. That have been purchased by a collection agency. But original dates have been changed making it look like current debt. Equifax has done this multiple times cause my credit score to suffer
Complaint sub-issue: Problem with fraud alerts

Equifax is providing me unequal / disparate treatment as it relates to unfreezing my credit file. Their online portal does n't allow me to unfreeze my file so I have to call in. When I call, they taunt me and say that since I did n't do it online I 'd be punished with a five day waiting period. This prevents me from running any credit applications for an extended period of time. They have no technical support department to contact to resolve the issue. Therefore I 'm unable to unfreeze my credit report in a timely manner and the company is clearly unwilling to support this simple issue.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX AND XXXX 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: Didn't receive services that were advertised

Between the years of XXXX I was being sent a lot of pre approved offers from Credit Karma for Credit cards , personal loans and car loans. At first I ignored it because I have other goals to focus on and other things Im building credit for, BUT Credit Karma kept sending the emails and enticed me to apply EVERYDAY. I would see different offers every time I logged in to check my credit scores great rates, after a few months of being told that I was pre approved I started to think about the dream car I can have and the personal loan I can have during the hard times in the pandemic, I got so many offers through credit karma I went ahead and applied knowing with the information from credit Karma, THIS IS THE LOAN FOR ME I finally applied and was denied. I was highly disappointed and deceived by credit karam emotionally. I would use the funding to support my family. Credit Karma told me I was approved but lied. I didn't get the credit card or loan, instead I have more inquiries on my account which is hurting my credit report. This has caused me stress and feelings of unworthiness as a working citizen. Im so insecure about the term pre approval because of the trap I fell for with credit Karma. I do believe I qualify for the settlement having pre approvals from Credit Karma since XX/XX/2018 That they tricked me into being denied.
Complaint sub-issue: Other problem getting your report or credit score

Credit bureaus are not updating information from creditors in a timely manner nor scores are updating even after on time paid accounts with decreasing in balance. I dont feel Im being credited fairly for payment performance to creditors. I feel this is some type of credit discrimination. We the people count on these credit bureaus to update an be accurate In a timely manner. Disputes are going unnoticed as well. Please ensure the credit reporting agencies are doing their job in a fair way towards consumers. Thank you
Complaint sub-issue: Talked to a third-party about your debt

XXXX, XXXX XXXX XXXX, Attempting to collect a debt after already having all of my valid contact information have been calling and harassing my family members. They are calling from XXXX. They are calling regarding an old payday loan from XXXX XXXX. I made payments on this payday loan for over a year until I was no longer employed. I have asked them to only contact me and they continued to contact other family members.
Complaint sub-issue: Information belongs to someone else

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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
Complaint sub-issue: Trouble with how payments are being handled

XXXX ( Fedloan ) owes me {$38.00} for overpayment I made when paying off my student loan. You have until this Friday to XXXX me my check or you are getting a greeting from the State of California. You and I are still not done. 

When I said I would stay on your XXXX until the very end. I meant it. 

Thank you for my final payment notices, now give me my money you XXXX XXXX XXXX 

I should tack on compounded interest daily, should I make it {$100.00} for non- payment, you are two months behind.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased the total protection plan through Best Buy in which I cancelled less than 72 hours after making the purchase. 

I received a cancellation email to confirm. that my the service has been cancelled I later received a bill for the total {$190.00} charge of the plan I then called card services to dispute the charge I receive another statement in the mail that is charging me for the full amount I contacted the company and was told that I could only be refunded {$47.00} because of the " service charge ''
Complaint sub-issue: Account status incorrect

My account with XXXX I have closed my secured cc account. I contacted the CU and everything is good on there end. However, XXXX  and Equifax are still reporting that I have a late payment in their systems. XXXX  is the only one with the correct information.
Complaint sub-issue: Company closed your account

Date : XX/XX/2017 Description : XXXX closed my credit card account yesterday without giving me a reason. I was so shocked because i do treat my first discover credit card as a treasure.I keep using it very carefully, such as making payments in time, never had a late payment. Right now my credit limit is {$2500.00}, and i always keep my balance under {$1000.00}. So i really have no idea about why the company closed my account. My FICO is XXXX, i ca n't see any reasonable facts to close my account. 

Thanks a lot!!
Complaint sub-issue: Information belongs to someone else

Box 1 : XXXX Fraud Department : Remove fraudulent accounts from my credit report.
Complaint sub-issue: Didn't receive enough information to verify debt

I previously disputed an alleged collection account from Afni Inc. And it was deleted from my credit report on XX/XX/XXXX. I recently checked my XXXX  and XXXX  credit reports on XX/XX/XXXX of XXXX and noticed both these accounts had been reinserted onto my XXXX  and XXXX  credit report. I then called afni and told them this and they stated the account was valid. I never received a dunning letter 5 days before this alleged debt was reinserted back onto my credit reports. This is a violation of the section 611 ( 2 ) ( a ) of the Fair Credit Reporting Act. I am requesting that this account be permanently deleted in accordance with federal law of the Fair Credit Reporting Act Section 6 ( 2 ) ( a ).
Complaint sub-issue: Trouble with how payments are being handled

I have completed the 120 months required for Public Service Loan Forgiveness By my count I had completed that earlier this year. They said I had not. They said if I waited and applied in XXXX I would have enough months. I waited since the CARES Act meant I was not having to make a payment to have a qualifying month with a payment. 


They are now claiming that I need to wait until the reviews are complete to apply. They used to say that they would complete the reviews once I applied. They also claim that there is now an issue with three months of payments from last year that were not an issue last time I talked to them. 


I have worked full time for the XXXX XXXX the whole time. 

There are some seven months with issues that I think should be counted. If they are all counted I would have 121 qualifying months. 

One is XX/XX/XXXX from when my qualifying payments were {$0.00} dollars a month. They claim that month does not count because there was no on time payment. They accepted the {$0.00} the months before and after. I am unsure how I could make a {$0.00} payment not on time. 

Three are CARES Act months. Fedloanservicing has not yet credited those months. 

Three months are from XXXX when Fedloanservicing applied a forbearance or deferment to my account without a communication from me. I am also a XXXX XXXX  XXXX veteran and eligible for a discharge. I did not ask for that because I do not want to pay state taxes on the discharge in California. I properly opted out of the discharge. While they did not claim these months were an issue last time I applied they claim they are now. I made payments during this time. The federal government sent them a communication that I was eligible for the discharge. They were not required to put my account into forbearance. This has happened more than once. They seem to have fixed XXXX of XXXX but now have an issue with three months from last year. I believe it is XXXX, XXXX and XXXX. 

They give different answers different times I call.
Complaint sub-issue: Deposits and withdrawals

XX/XX/XXXX I call Citi Bank to close the account. I was instructed that it would take many weeks for a check with my money to come so it might be best to externally transfer the money to another bank so it is quicker. I agree. XX/XX/XXXX I processed a XXXX dollar external transfer to my XXXX XXXX. The following business day I try to take the rest of my money from Citi bank which is just over 5000 dollars by process another external transfer. I recieve an error message that I have reached the daily limit. This should not be the case since it is a new business day. I try again on Tuesday XX/XX/XXXX after the XXXX XXXX and still recieve the same message. I call Citi Bank and per usual are unable to help me. Despite my first external transfer being labelled as in process, the representative on the phone states that it is not in fact in process but has not gone through on their end. That is an unacceptab le discrpency. I have had previous issues with Citi Bank and so I reached out to XXXX XXXX from the executive branch who was very helpful with my last concerns. I have called twice now, once on Friday XX/XX/XXXX and once again today XX/XX/XXXX. Both times she was unavailable and I left a message. A Citi inquiry was initiated on Friday XX/XX/XXXX but with a resolution by XX/XX/XXXX. This timeline is unaccetable to me because my money has been held in Citi Bank for too long and each time I attempt to do anything with Citi Bank there is a error message or mistake on their end. A simple external transfer they can not process correctly or even tell me that there is an issue on their end. I am filing this complaint because if my prior working with Citi they would have me transferred all over on the phone and never resolve my issue. I am not waiting weeks and month this time for me to realize something is wrong and to then reach out. Something is wrong now and I want a resolution right now. I want my money out of Citi Bank immediately and into my hand or bank account ASAP and then to close Citi Bank and never deal with this bank again.
Complaint sub-issue: Account information incorrect

I recently pulled a copy of my credit report on-line and found that you are reporting the following inaccurate information in my file that is negatively affecting my credit score. 
Creditor : [ [ XXXX ] ] Account Number : [ [ Account # XXXX ] ] Account Rating : 90 Days Late Reason : [, I was never late, ] Also, if you have documents to prove your claim, mention here that you are attaching them. 
I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. 
Thanking you in advance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX SSN- XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/2019 Citi Bank Home Depot XXXX XXXX illegally charged my account 25.99 % interest over a period of about 15 months until I found out on XX/XX/2019. I sent out my 93! demand letter asking for the total amount being charged. and Why? I believer All my purchase on the card was under the promotion of 0 % over the period of 12 months or 6 months. When I purchased. I immediately set up with XXXX  XXXX XXXX on line pay. I set it up 10 equal payment on a 12-month promotion and 5 months equal pay on a 6 months promotion and forgot about. I never received any reminder orwarning regarding the extremely high interest, which according to consumer protection law is illegal! 
I asked the customer service what is my balance that. He gave me {$27000.00}. I immediately ACH the full amount via XXXX XXXX business checking account, XXXX proof attached ). I have never received any response to my XXXX demand letter. According to the law. City Bank Home Depot XXXX owe me triple damage. I have the letter to the City Card I would have to take legal action as soon as the Court opens. But when I learn the CFPB, It want to get this free help first. 
City Bank illegally ACH my account a few times without my knowledge and consent until I find output a stop on it. It looks like all the banks using the same ACH agency steal money from consumers just because it has access via online payments, but its not the permission to let you ACH. My online pay with XXXX  XXXX XXXX is only for reminder of myself to check to pay the bill. I do not give anyone permission to ACH my account. I find out the hard way, Steal from my account, even for some already closed accounts with zero balance being ACH my old {$20.00} to {$25.00} pay-setting I always use but I ve never pay the minimum amount. That was just a reminder so I do not miss my payment. But I must personally examine the accuracy before I pay in Full. I want all illegal interest charged on my account be fully refunded> Please help me.
Complaint sub-issue: Can't close your account

Local branch of KeyBank closed in XXXX XXXX, Ohio in XXXX and was inconvenient to me to travel to the next closest branch and I wanted to consolidated multiple different bank accounts. Withdrew all my fund out in XXXX and proceeded to close my savings ( XXXX ), however checking could not be close due to a the pending transfer of fund out. Returned 5 days later after pending transfers finalized to close my checking account at the XXXX XXXX branch. I thought my checking account was closed following that visit. I proceeded to shred my debit card and check pad. 

Last week, 2 months after I thought it was closed, I received notification it was still open and now overdrawn due to monthly service fees. I went to the XXXX XXXX branch on Sat XX/XX/30. The representative at that time was able to cancel the XXXX service fee but not the XXXX. Today with no resolution seen, I called Keybank but the representative over the phone was unable to waive the maintenance fee or close the account.
Complaint sub-issue: Problem getting my free annual report

I went online to equifax and received a free online report. In less than XXXX hours it was no longer available- I received an error message with a number to call but when I called the number there was no way to relay the message or get my report back. There are no automated options and no possibility of speaking to a representative.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report and I found out that credit reporting agencies indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. I believe it was reporting in error. 
XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX,
Complaint sub-issue: Reporting company used your report improperly

I sent a investigation letter to XXXX, Equifax and XXXX to please investigate every piece of information is correct and 100 % accurate if not please remove it from my credit report.I got the results and The credit bureaus stated that these accounts XXXX XXXX account number XXXX and XXXX XXXX also knows as XXXX XXXX and XXXX account XXXX is 100 % accurate but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. They also violated my rights under 14 U.S.c 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I havent give these accounts written permission to furnish these account on my credit report 15U.S.C 1681 ( A ) 4 states there is a need to insure that consumer reporting agency exercise their grave responsibility with fairness impartiality and a respect for the consumers right to privacy. 15 U.S.C 1681 ( I ) ( 5 ) treatment of inaccurate of unverifiable information They didnt do the proper investigation.If after Reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not verified, the consumer reporting agency shall promptly delete the item of information from the file of the consumer or modify that item of information as appropriate base on the results of the Reinvestigation. I called each credit bureaus 3 times to let them know they or in violation of these accounts and delete them immediately they said no. I dont want dispute these accounts I want them deleted plus a XXXX dollars per violation I have challenged and dispute these accounts 4 times they are in violation
Complaint sub-issue: Account information incorrect

XXXX XXXX, I applied for Covid Forbearance- I'm XXXX, and a Landlord to Tenants That were oit able to pay rent- BUT I NEVER USED THE FORBEARANCE- all Payments On XXXX XXXX XXXX ADDED {$49.00}, XXXX to my Loan Balance MY CREDIT SCORE DROPPED XXXX POINTS!!! I BORROWD NO MORE MONEY On XX/XX/XXXX I was able to get through to XXXX XXXX XXXX XXXX and Report the error- The Clerk on the phone saw it, said " XXXX '' and Escalated the complaint For te Next Week XXXX XXXX denied the error was made On XX/XX/XXXX, I spoke to a Representative in the COVID Response Team that said " Oh Disd yiu not get the memo, a system error added balances to many COVID Relief Customer in error '' She directed me to the credit report where -- On XX/XX/XXXX XXXX off my loan balance... 

Two things ; If you Notice, there is a Difference of {$320.00} From what they added to my Loan Balance an whst was Credited Back AND MY DECIMATEDCREDIT SCORE, AFTER A MONTH is Unchanged!!! 

I've Sent Freedom Mortgage XXXX Email requests, through their Client Portal, ti correct their errors, no response! 

Please Help! 



PS. Oh and, todsy, I notice on the XXXX XXXX XXXX XXXX is reporting my Mortgage Balance has increased {$400.00} AND that my payment status has changed w a Derogatory for late payment history- I HAVE NEVER MISSED A MORTGAGE PAYMENT! ( XXXX, at one point there was an escrow discrepancy, that Freedom Mortgage recorded as a missed payment, I was Told that was corrected-, zt the time APPARENTLY NOT
Complaint sub-issue: Their investigation did not fix an error on your report

Despite my better effort all three credit bureaus have done what theyve always done which is barely look at an account that has zero to do with me and after filing two consecutive FTC and CPFB complaint XXXX  continues to claim that I have an account with XXXX  that I never have had. There investigation proved and asked nothing. This is a suprise to no one since they are the largest financial contributor to these companies must maintain a " reasonable procedure '' to respond to identity theft notices by a CRA, and refrain from reporting information about an account that you previously reported was the result of identity theft. ( 15 U.S.C. 1681s-2
Complaint sub-issue: Information belongs to someone else

i recently obtain a copy of my credit report and noticed inaccuracies in my credit report
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has reported incorrect information to my credit file and refuses unlawfully to remove it. XXXX XXXX credit card services incorrectly charged me a late fee and added missed payment to my file. on XX/XX/2022 XXXX XXXX caught mistake and issued XXXX late payment reversal credit to my account ending in XXXX, also removed late payment from file. After reporting this to EQUIFAX and providing proof they still have refused removal.