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

Deleted my paid in full student loan account in response to a dispute is specifically authorized by the FCRA. Section 1681i ( a ) ( 1 ) ( A ) of the FCRA requires an agency to " reinvestigate ... and record the current status of the disputed information, or delete the item from the file in accordance with paragraph 5 [ describing the circumstances in which an account " can not be verified '' ]. '' Equifax, XXXX and XXXX are saying that the student loan couldn't be verified with XXXX XXXX after the account was paid in full on XX/XX/XXXX 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( emphasis added ).

Equifax, XXXX and XXXX has " a purported right to reinvestigate any disputed information contained within a consumer 's credit report after receiving a direct dispute from the consumer. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Upon receiving such a dispute, a CRA has thirty days to perform the reinvestigation and to notify the consumer of the results. 

Equifax, XXXX, and XXXX hasn't reached out to XXXX XXXX regarding any disputed student loan account from XX/XX/XXXX- XX/XX/XXXX. 

( No reasonable reinvestigation by XXXX, Equifax and XXXX  was even done and they hadnt contacted XXXX or the Department of education to  determine the status of the debt of the students loans, but has removed the establish credit history fromcredit report. ) Equifax, XXXX and XXXX   must : ( 1 ) reviewed the dispute letters and all enclosures ; ( 2 ) if the enclosures were not sufficient to resolve the dispute, sent an ACDV to the furnisher with a dispute code and information to identify properly the consumer 's dispute ; ( 3 ) once the furnisher returned the ACDV, modified the consumer 's account accordingly, including deleting the account if the furnisher failed to return the ACDV or verify it appropriately. 

According to XXXX XXXX and the Department of Education Know ACDV was sent to them regarding the dispute. 

Equifax XXXX and XXXX  has failed to reinvestigate any of his dispute from XXXX XXXX and didn't sent any ACDV to the department of education or XXXX XXXX. 

Equifax XXXX and XXXX are misusing the FCRA and are not conducting reinvestigate before removing accounts with the department of education and XXXX XXXX. 

The FCRA mandates that disputed information must be deleted from a consumer 's credit report if it can not be verified pursuant to a reinvestigation. XXXX XXXX and the Department of Education can verify the account. See 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ).

If a CRA wants to reinsert previously deleted information into a consumer 's credit report, it must certify the accuracy of the information with the information furnisher, and must notify the consumer of the reinsertion. Id. 1681i ( a ) ( 5 ) ( B ). Equifax XXXX and XXXX  hasn't reached out to the Department of Education, the Untied States Bankruptcy Trustee or XXXX XXXX  regarding any of the students loans account.
Complaint sub-issue: Account information incorrect

This account was charged off in XX/XX/2017. The error they have made is they have continued to report an active payment history since then, almost 6 years! It is my understanding that a charge off account is not suppose to report an active payment history! Its illegal that they are updating the status date when the charge off was in XX/XX/2017. 

i am in fear this impacting several factors within my credit
Complaint sub-issue: Didn't receive terms that were advertised

In XX/XX/2020, I came across a citi bank add promotion where if I opened a checking/savings account and deposited XXXX for a minimum of 60 days, I was going to get a {$700.00} bonus at the end of the 60 days. I did everything and even contacted citi customer service via the online chat service and spoke with an agent to confirm that my account was set for the promotion and everything was fine. The agent confirmed and told me to go ahead and deposited the money, which I did. 60 days later, I contacted the citi customer service again to make sure the promotion requirements were met and I could withdraw the money. I was told again by another agent that everything looked great and to go ahead and withdraw the money. I was told I should be receiving the bonus within 90 days by XX/XX/XXXX. I waited until XX/XX/XXXX and I never received anything. I contacted the customer service and was told all that needed was to filled out a dispute and I will get my bonus since they will just need to enter it manually. I was surprised to receive a letter in the mail saying my request has been denied and I will not receive any bonus. I'm really upset about the fact that Citibank used a false ad to get me to open an account and now doesn't want to pay. I have attached a pdf document showing the screenshot of my conversation with the citibank customer service.
Complaint sub-issue: Didn't receive terms that were advertised

I signed up for a savings account with Ally Bank and at the time they were offering a cash bonus if you put enough money in the account. I did that and over a month after the bonus was supposed to come still nothing. I didnt take out more than I invested initially and I followed the rules right on their website and even their FAQ. If there was any rules I didnt follow they were hidden and not even their customer support could find them to give me documentation of what I did wrong. They were just searching for a reason to justify themselves for not giving it to me even after I directed them to their own website showing that I did everything right.
Complaint sub-issue: Their investigation did not fix an error on your report

An erroneous collection was added to my report dropping my score XXXX points. I had already paid the original creditor and the collection agency agreed to delete the error however after the deletion my score still reflects the XXXX drop. None of the bureaus have a dispute score option, so I mailed letters with a copy of my drivers license and identifying details. They replied back stating the letters didn't appear to come from me. I have no idea how to get my score corrected and I would appreciate any help you can provide. 
Kindest regards.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried to contact XXXX, Equifax, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, Equifax, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, Equifax, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX BANK Acct # : XXXX
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. : XXXX : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : XXXX, XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) : XXXXXXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX, 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 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.

Also, each account has error and inaccurate information in each category : Date opened, Last reported, Date Last active, and Date of Last Payment. All accounts needs to be deleted.
Complaint sub-issue: Debt is not yours

I was forced to leave XXXX XXXX XXXX due to unsafe and healthy conditions and notified them of such. when I moved out I owed nothing and they owed me a credit plus my security deposit. I filed a complaint in court to receive my security deposit back and received it. They then Hired a collection agency who then posted a false collections report on my credit record. I filed a dispute with the collection agency Hunter Warfield and receive no response, and I filed a dispute with XXXX. 
This is in XXXX county XXXX, Maryland. I moved out XX/XX/2019.
Complaint sub-issue: Account status incorrect

On XXXX of XXXX A late payment showed on 4 of my Nelnet student loan accounts and credit reports. On XX/XX/XXXX, I called to let the company know that I had no late payments on my student loans. On XX/XX/XXXX, I again contacted the company to remove the late payment. The company advised me that there is nothing that they can do to remove it. 
I also contacted the 3 credit bureaus XXXX, XXXX and XXXX to remove late payment to no avail.
Complaint sub-issue: Account status incorrect

I request that the following inaccurate items be immediately removed from my credit files. They must be removed in order to show my true credit history, as these items should not be on my report.

Also, FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of investigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably availableCredit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The original creditor should be the furnisher of information, not a third party source such as XXXX, e-Oscar or XXXX XXXX I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. 
The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not mind account. No knowledge account. 


XXXX XXXXXXXX XXXX XXXXXXXX ACCT # XXXX account is not mine. Please delete XXXX XXXX ACCT # XXXXThe account is not mine. Please delete XXXX XXXX XXXX XXXX  ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXX XXXX XXXXCCT # XXXX account is not mine. Please delete XXXX ACCT # XXXXThe account is not mine. Please delete XXXX XXXX ACCT # XXXXThe account is not mine. Please delete. 
XXXX ACCT # XXXX account is not mine. Please delete XXXXXXXX XXXX XXXX  ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXXXXXX XXXX ACCT # XXXXThe account is not mine. Please delete U S DEPT OF HOUSING ACCT # XXXX.The account is not mine. Please delete HUD TITLE I ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXX ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXX  ACCT # XXXX.The account is not mine. Please delete XXXX ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXX ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXX # XXXX.The account is not mine. Please delete XXXX XXXX ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXX ACCT # XXXX.The account is not mine. Please delete XXXX XXXX ACCT # XXXX account is not mine. Please delete Unknown ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXX ACCT # XXXX.The account is not mine. Please delete Unknown ACCT # XXXX .The account is not mine. Please delete.
Complaint sub-issue: Their investigation did not fix an error on your report

I have had two HELOC loans with US Bank for a course of 5 years. I do not actively bank with US Bank. I have a one account that I deposit funds into that are automatically drawn out to pay my month house payment. 

XXXX of XXXX - the auto payment went through and I was short on the my account. I was notified by a phone call later in the month about the error. I quickly went to the Bank and made a payment for XXXX and one for the next month XXXX of XXXX. 

As noted in the letter received by US bank. The Branch ran my XXXX payment twice, which " artificially satisfied '' the payment due in XXXX. I called the bank multiple times to make sure the XXXX payment was back on track and it was. I left for vacation for a few weeks for the holidays and came back after the XXXX of XXXX. Around XX/XX/XXXX I received a phone call from US Bank corporate stating my XXXX payment did not go through. I was extremely frustrated about this since I already handled this, I thought back in XXXX. Account was made whole on XX/XX/XXXX. The next month I get a huge credit knock that took me from a XXXX to a XXXX for a late payment. In XXXX I admit it is my fault for not having funds fully ready. I handle it as soon as I found out. Which was within 30 days. Fair credit laws do not allow you to report this within that timeline. What US bank is reporting is my XXXX payment which they admit in the letter was their error. 

I run a small XXXX XXXX company. I have support my family from borrowing money to us to build homes and then get paid. All of my lines of credits are up for their yearly review and every bank is raising fees and rates due to this one mistake. I really need help. This detrimental to my business, my career and most importantly my family. 

Please help me out in anyway you can! 

Best, XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

In 2016, my account with Discover Card was closed for default. Rather than sending the account to collections, Discover chose to forgive the debt and I was sent a XXXX As A result, I paid Federal taxes on the forgiven debt of {$690.00}. To this day, Discover continues to report the account balance as {$690.00}. I called requesting that the account balance be updated to XXXX, and they refused to do so. I even went as far as to offer payment for the account, which was also refused.
Complaint sub-issue: Problem getting report or credit score

I am concerned that someone may have attempted to open accounts under my name. All security questions asked when I requested my report were not applicable to me and once I submitted this is received notice that my reports were unavailable due to security reasons.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Back in XX/XX/2019 I had left for a work trip to XXXX and XXXX for a month and a half. Upon my return to the United States in early XXXX, I found a number of urgent alerts from my credit monitoring company, XXXX. The alert messages made it immediately clear that I had been a victim of identity theft. I soon realized that my once perfect credit score had plummeted, all of my accounts that never had a late or missed payment were closed, and worst of all I no longer had access to my accounts as the person who committed the fraud changed all of the contact information. I immediately called to report the charges and any new fraudulent accounts to the appropriate banks. Getting access returned to me was nearly impossible. As of today, I have been able to restore the contact information with help from a Credit Bureau Dispute but still do not have access to statements and account status has been so restricted I can not even make payments for money that I might owe. I've made little progress since reporting the fraud. Three out of four banks have not restored my access to the account, all accounts remain closed, all accounts still have fraudulent charges and are accruing interest on the fraudulent charges. Collections agents have harassed and threatened me, and fraudulent charges have been added to my credit report. All of the banks have told me I am responsible for all of the fraud charges despite a police report that details what happened and the arrest of the individual who did it, letters from my attorney, and documentation showing I was out of the country. As of XX/XX/2019 all of these banks were still making contact with the fraudulent user even after I reported the fraud. I have been unable to get access to statements while the banks themselves were making calls to the wrong person. Fraudulent activity was reported in a timely manner and well within the time allotted by federal law. All of the notes on my accounts regarding the issue are no longer there, there is no record of the documentation I sent in to the banks despite my attorney receiving confirmation from mail carrier and tracking number that letters were signed off for upon delivery.
Complaint sub-issue: Account information incorrect

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The EQUIFAX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; 2. XXXX Inquiry Date XXXX. XXXX, XXXX ;
Complaint sub-issue: Information belongs to someone else

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 1. XXXX ( XXXX XXXX XXXX ) 2. XXXX XXXX XXXX ( XXXX  ).
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX XXXX and Equifax are reporting inaccurate payment history on my credit report for XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX. I have never been late on any of these account and asked for these late payments to be removed immediately. Also Equifax has a student loan debt from XXXX/Dept of ED in which I have explained I haven't been to college in 30+ yrs. XXXX And XXXX XXXX removed the account however Equifax has not after repeated request along with a police report attached. There is also a collection on my Equifax account from XXXX XXXX  that can't be verified by 609 fair Credit Act that i have asked them to verify.
Complaint sub-issue: Company closed your account

On XXXX/XXXX/XXXX, I found six of my citi credit cards were closed without any notification. By the time they closed my account, I still have much reward points in my accounts.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, Equifax and XXXX  Are reporting this Account Inaccurate I have been disputing for about 5 months with each bureau I have attached the dates and months XXXX  has replied and said the account is verified this account was sold to another company years ago I have attached the letter that shows the company that the account Was sold to the issue is The 3 Bureaus are reporting inaccurate information they are reporting a past due balance of {$4200.00} And its still reporting late payments when XXXX doesnt even own the account any more. 

XXXX  # XXXX Next issue is this account With ( XXXX   ONLY ) XXXX XXXX XXXX # XXXX I have a active account with this company thats in good standing never missed a payment Yet XXXX  has 2 accounts the one that I currently have which is fine and they have another account with the same credit card company thats a chargeoff been disputing that account for 5 months and they keep disputing my good account also I dont have this problem with the other 2 bureaus only XXXX  who is reporting this chargeoff the other 2 bureaus have the correct information which should just be the one account I have with this company I contacted the card company and they only have the card im currently using i explained that to XXXX  for months now and have been disputing this account and they wont remove it. 



Next issue is with ( XXXX  Only ) XXXX  and Equifax removed this account for being inaccurate years ago I contacted the company company and they have no record of the account XXXX  says it was probably Sold and tells me to get in contact with the company which I have done numerous times and they have no record of the account or of it being sold The account im referring to is XXXX XXXX   XXXX Next issue is with account XXXX/XXXX  I have attached all the paper work that shows this account was sold to another company Then it was referred to a Outside attorney office when I contacted XXXX  they sent me a letter saying the account is no longer in there office the account has been paid in full the collection company ( XXXX XXXX ) has Removed the account from all 3 bureaus XXXX, XXXX and Equifax wont remove the XXXX/XXXX  they keep referring me to contact XXXX  and they keep telling me they dont handle the account anymore but they chargeoff is still reporting on all 3 bureaus
Complaint sub-issue: Other problem getting your report or credit score

First my ID and Social are attached so there should be no issues investigating my complaint. My identity is verified with information I attached. Please investigate and not closed complaint. 

Equifax refuses to update my credit report with information in a timely manner. Also With reporting the correct information. I have had to file 5 complaints in 2 years to get my information corrected. My last complaint was XXXX/XXXX/2020 about fraudulently reporting collection account. I used proof for my complaint from XXXX XXXX. XXXX XXXX allows me to know what Equifax is and is not doing with my credit report. 

Since my last complaint XXXX/XXXX/2020 Equifax is not blocking XXXX XXXX for access my account. There is nothing XXXX XXXX can do because this is blocked from Equifax.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Macy 's XXXX XXXX XXXX has a fraudulent charge of XXXX}. I tried reaching out for last 3 months. Macy 's XXXX XXXX XXXX can not solve it. On top of it. They charged me late fees and charges. 

I finally had to pay XXXX} for the charges that I had not even purchased. Macy 's fraud detection lines are mostly unreachable. I also tried through social media and no luck.
Complaint sub-issue: Account information incorrect

I have a account on my credit that shows charged off as bad debt when account was paid, I would like account updated correctly or removed from my credit report for inaccuracies
Complaint sub-issue: Collected or attempted to collect exempt funds

Victim of Identity Theft - Now being garnished and threatened with Tax Refund confiscation. Reported it in XX/XX/XXXX FTC Report Number XXXX. I am continuously being harassed and now being garnished for an account that I did not authorize. 

I worked overseas from XX/XX/XXXX through XX/XX/XXXX. I spent time in both XXXX & XXXX, with periodic home leave documented. POA was drawn and signed to provide oversight and maintenance of assets and executed for my affairs to be managed & decisions exercised in my name AND FOR MY BENEFIT. Excluded in the POA are actions that would cause my assets to become unstable, diversion of my assets to the Agent, Agents accounts, Agents creditors, Agents estate, securing personal loans or attempting to defraud me of funds & assets is not a provision of the POA. A formal revocation has been executed. Total missing assets {$25000.00} ; Total funds diverted {$170000.00} ; Total funds defrauded {$400000.00}. 

Account in reference : CitiBank XXXX Amount now XXXX and garnishments continue