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

This is the second time in 18 months that XXXX has inaccurately reported my account as not current. The company is XXXX - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX XXXX, CA XXXX They have just reported my account 30-59 past due. On XX/XX/XXXX I actually paid my account in full. The email I sent to the company is below. They won't respond and can't be reached. I suggest you contact both LoanDepot and the company they are DBA as who they might have sold the loan to. 


XXXX XXXX XXXX XXXX XXXX ( 11 minutes ago ) to inquiries I am in the middle of a home purchase and just paid this loan in full. It was paid in one week ago in XXXX. 

Your last credit update to Equifax shows this loan as 30 days past due. It has never been 30 days past due. I am simultaneously filing a policy report, claim with the Florida AG, and a complaint with the CFPB. Your are egregiously impacting my home purchase. I demand a call immediately and an update to the credit bureaus showing my account paid in full and NEVER late. 

My last 4 payments to your company which I am pulling directly from my bank statements : - XX/XX/XXXX - {$400.00} - XX/XX/XXXX - {$400.00} - XX/XX/XXXX - {$350.00} - XX/XX/XXXX - {$370.00} - XX/XX/XXXX - {$6300.00} ( paid in full )
Complaint sub-issue: Investigation took more than 30 days

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 


XXXX XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$740.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance {$640.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) Balance {$730.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Balance {$1000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Balance {$730.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$1000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX COLLECTION : XXXX Balance {$1000.00} XXXX Balance {$730.00}
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX  XXXX {$5300.00} XXXX XXXX  XXXX {$520.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$650.00} XXXX XXXX {$130.00} XXXX XXXX {$85.00} XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX {$590.00} DP OF EDUCXXXX {$8500.00} DEPTEDXXXX XXXX {$12000.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$780.00} XXXX XXXX- XXXX {$560.00} XXXX XXXX {$20000.00} XXXX/XXXX  XXXX {$110000.00}
Complaint sub-issue: Attempted to collect wrong amount

I closed my account with XXXX at their store in the XXXX XXXX in XXXX New Jersey. I paid a total of {$160.00} at the counter, in order to settle any outstanding bill. 

XXXX then sent me a bill of about {$160.00} They placed the amount with a company called 1. Enhanced Recovery Co XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Collection Agencies Website 2.  Enhanced Recovery Company - CLOSED XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX - As you can see, they pop up and then close and then pop up again. They reported a negative mark on my credit report for {$100.00}. In my opinion they are holding my information hostage against me paying them an amount they will share with XXXX. I think this scam is disgusting as I have the receipt from the bill I paid at the counter ( repeating above ) at the XXXX store. 

I have my charge receipt from XXXX, and want them to stop this OUTRAGEOUS practice of collecting an " extra month '' for no reason but to line their own pockets.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XXXX XXXX, 2022, I learned Home Depot had lowered my credit limit because of inactivity. They say they sent a letter. However, I never received it. I only learned it had occurred because of a XXXX alert. It lowered my credit rating by 3 points. I had never had a late payment and the account had no balance and was 11 years old. I spoke with two managers who told me they must pull a credit report to reinstate. This would result in double jeopardy since my credit report would take a hit for an inquiry. I have excellent credit, but they refused to do anything without a new credit report. I dont want to close the account as that would also be reflected in my report.
Complaint sub-issue: Received bad information about your loan

On XX/XX/XXXX, I called MyFedLoan Servicing to request a refund on my payments made during the covid pandemic, specifically three different payments. They told me that since my loans are no longer with the company, I must contact my new servicer XXXX. 
I contacted XXXX on XX/XX/XXXX, and I submitted a refund request for loan payments during the pandemic. About a week later on XX/XX/XXXX, I called back to get an update and to pinpoint which loans I would like to have refunded. I made multiple payments during the pandemic, so I only wanted 3 loan payments ( which were made to 3 different loans, and therefore I paid off those loans fully at the time, closing the loan ). I specified the payments with the person I talked to. XXXX made on XX/XX/XXXX XXXX made on XX/XX/XXXX, XXXX made on XX/XX/XXXX. 
I called back about two weeks later to see if I can get an update on my loan refund. I had about an hour long conversation with a gentlemen and he seemed to be knowing what he was doing and said he understands and will update the paperwork. About two weeks later I received a call and they were confused about my request since XXXX only has 2 of my loans, totaling XXXX, out of the XXXX loans that I had received during my XXXX. I explained the situation and stated that I made payments to loans XXXX, XXXX and XXXX ( XXXX made on XX/XX/XXXX, XXXX made on XX/XX/XXXX, XXXX made on XX/XX/XXXX ) paying them off fully prior to my loans being transferred to XXXX. 

The person then explains to me that XXXX only received XXXX out of the XXXX loans, since the other XXXX loans were paid off and closed - MyFedLoan did not send the loan information over for the remaining XXXX since they were paid off. They then told me I had to contact MyFedLoan again and request the specific payments I made to be refunded and have those loans reinstated - and then probably transferred back to another servicer after they were. I called MyFedLoan and explained what happened, they didn't really care they gave false information. I called back again and talked to someone who was a little more understanding and then submitted my request for reimbursement of my three payments that I requested. But, they told me the request would take 2-8 weeks for request to be processed, and then another 8-12 weeks for the treasury to refund my actual amount.

So I wasted the last 6 weeks because I received false information multiple times from both services.
Complaint sub-issue: Information belongs to someone else

MY IDENTITY WAS STOLEN THREW TAX THIEF & EQUIFAX DATA BREACH SINCE I CHECKED MY CREDIT REPORT AND FOUND THESE UNAUTHRIZED ACCOUNTS & INQUIRIES
Complaint sub-issue: Debt is not mine

Collector called multiple times at my work office stating that I owe a debt which does not have the correct name nor address. Collector can not prove that I own the debt and can not verify any of the information which can be linked back to me.
Complaint sub-issue: Billing dispute for services

My Identity was stolen on dates around XXXX - XXXX Accounts have been opened in which I am receiving harassing phone calls even though I have done everything on my part to file police reports and provide all necessary documentation proving only my personal information was used without my consent or knowledge. Please assist me in getting this resolved once and for all.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX To make things even worse, all of the accounts listed above were opened without my written consent. In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information. These accounts above have caused significant damages In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.
Complaint sub-issue: Confusing or misleading advertising about the credit card

Citi offered a promotion that if you open a savings account ( 1.66 percent at time of offer, now 1.55 but that is as expected, rate can fluctuate ) then your double cashback card ( which I had for many years a pays 1 % at purchase and 1 % at payment ) would go from 2 % to 2.5 % I tried recently to try to get confirmation that I was indeed getting 2.5, and for first 3 attempts I could get no answer, just a run around sending me to different departments.

Today I finally got someone on chat that said " Yes you are eligible for the 2.5 %, call this number ( they gave me the wrong number it was the savings account support ), I am now on with an agent after a long hold and they are not helping, claiming I have to prove the offer ( there are many references to it with a simple XXXX search ). 

Here is a summary of my main complaint points. 
1/ if a bank or Credit card makes a promotional offer incentive like an increase in your credit card cashback rate it should be simple to validate. There should be a confirmation email saying you have the new cashback rate, and as well it should be easy for the consumer to see the information ( how much cashback am I getting if there are special deals ) on the website. 

2/ i feel very strongly this is a case of false advertising, everything implied there would be no action required by the consumer, and to make matters worse, there is NO WAY for the consumer to confirm he/she received the benefit after opening the savings account! No where in any of the transactions was there information that I must " apply '' and I only found this out by checking. Now that I have the information that I must " apply '', there is no simple process, no email that I can send, no ability in their chat support. In the time I have spent just to write this I am on my 4th person on the phone, in one case they just dropped me and transferred me to the debit card department. I am now with someone in the credit card department, and after explaining their first response was " so you want to open a savings account ''. After patiently restating the situation and asking them to listen clearly, I am now on hold for a " specialist ''. 

The close of the call wound up with this completely unacceptable situation A/ They did confirm that I should have the 2.5 % rate on my double cash card but do not B/ they gave me the account servicing number and the priority banking number which I have to call during the week, she could not get hold of anyone. She said that since there are two different departments involved credit card and banking, no one agent can handle the situation, and they have no support ticket that  can be opened, so bottom line instead of servicing me, I wasted hours with no solution other than putting the ball back in my court again I will be attempting to get them to active the rate and also retroactively honor it. 

here is one reference, its old and out of date, and the offer which was made via the website when I logged in is no longer there. 
https : //www.bankcheckingsavings.com/citi-account-bundle/
Complaint sub-issue: Card was charged for something you did not purchase with the card

Hello. I reported many charges as fraud early XX/XX/XXXX, most of them from XXXX. Discover CHANGED MY ACCOUNT number and removed the charges. I noticed early XX/XX/XXXX that the charges were added back, and advised them of several hundreds of dollars of more of the same type of charges. I called and found out that it was due to the auto updater MasterCard uses. The agent told me he then placed a block on this merchant to stop the charges. Why wasn't this done in the first place? I said they were fraud. They also sent compelling evidence that the charges were from my son in my apartment. I do not have it with me to tell the specifics, or upload the docs they sent, but in the docs, it DID look to be me. However it was not. Please see prior complaint filed with Discover online for the details. All the evidence was correct info, but not current. The email info differed, as did the screen name and billing details. They had old information mixed with the new. The location of the IP address showed me. I am in an apartment complex and can see the wireless around me, so I'm assuming someone hacked into the XXXX. Something. Not sure. Regardless, the first time I reported the charges were not mine, and they changed my account number should have ended the charges either way. No one told me that they would come through on the new card as well. XXXX has been unable to locate any information whatsoever to assist me.
Complaint sub-issue: Reporting company used your report improperly

Equifax violated my privacy without my consent or authorization I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

PERSONAL INFORMATION Delete Aliases - XXXX XXXX XXXX Delete this account immediately {$1000.00} per violation Account - Federal Account Number - XXXX 15 U.S.C.1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately {$1000.00} per violation Account - Federal Account Number - XXXX 15 U.S.C.1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately {$1000.00} per violation Account - Federal Account Number - XXXX U.S.C.1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately {$1000.00} per violation Account - XXXX XXXX  Account - XXXX no account number but amount of {$4800.00} U.S.C.1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately {$1000.00} per violation Account - XXXX XXXX  Account - XXXX no account number but amount of {$47000.00} U.S.C.1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately {$1000.00} per violation INQUIRIES XXXX XXXX XXXXXXXX  XXXX XXXX Delete this account immediately {$1000.00} per violation
Complaint sub-issue: Problem using a debit or ATM card

I XXXX XXXX ; XXXX am writing you today as an aggrieved man. I notified PNC Bank of unauthorized transactions on my account a week ago. I have yet to receive my stolen funds back into my account! The claim number is as follows, XXXX. I have also attached a letter from XXXX XXXX, one of the accounts that fraudulently stole funds from my account stating this account is fraudulent. They have closed the account and removed it from my credit reports. So why did PNC Bank deny my claim? Why are they not returning my stolen funds?
Complaint sub-issue: Information belongs to someone else

Collection accounts were added to my credit report on XX/XX/XXXX for {$620.00} and on XX/XX/XXXX for XXXX. I sent 3 rounds of debt validation request to Equifax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as well as a complaint letter stating that the collection agencies failed to provide proof of validation for these debts. Equifax responded to me on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each response consisted of a copy of my credit report stating that the debt had been validated. Equifax has yet to provide me proof of these claims such as a copy of an original contract with my written signature on it or any information as to who they spoke with during this investigation or what evidence was provided to validate this debt. Equifax is violation of section 609 of the FCRA by continuing to report inaccurate information on my credit report.
Complaint sub-issue: Information belongs to someone else

I went to my bank to get a loan and they told my that they couldn't approve me at that time. I have been with this bank for 20 years. I went and pulled my credit and there are some items on my credit that still are not mine. I have contacted the FTC and the police. I'm doing this on my own behalf. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX  XXXX.
Complaint sub-issue: Information belongs to someone else

I was looking into buying a car today and pulled my credit and found that someone was using my SS XXXX and DOB XXXX to open up credit cards and accounts! The following accounts are not mine : XXXX XXXX XXXX/XXXX  XXXXXXXXXXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX/XXXX  XXXX  # XXXX, I have never had accounts with any of these companies. I am filing a complaint with FTC and CFPB. I WILL BE FILING A REPORT WITH FTC AS WELL. I respectfully demand that the transmitted data or documentation be provided. Also please include supplement ma-terials which verify that the accounts were established legally. I do not want just a cursory ac-count history, or address matching. I have requisitioned a detailed verification. If you can not meet these reasonable requests during the month ( 30 days ) following receipt, account summar-ies transmitted by the companies mentioned above must be considered false and may be-speak a statutory violation. In this case, they must be deleted without delay.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX - XXXX XXXX XXXX Late Dates XXXX, XXXX - XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

I sent a validation letter to XXXX XXXX XXXX , XXXX on XX/XX/XXXX. They didn't respond until XX/XX/XXXX. They failed to validate that they are authorized to collect in Texas and other demands I have by right. They only sent a copy of a contract. I sent a letter to Equifax on XX/XX/XXXX demanding removal of account number XXXX for being in direct violation of the fair credit reporting act twice. 15 days have passed and I still have not been updated on the status of this removal. I would like this to be removed immediately. 

I authorize CFPB to investigate this matter on my behalf for account number XXXX attached to my social ending in XXXX.
Complaint sub-issue: Information belongs to someone else

many fraudulent accounts are reporting under equifax credit reporting agency, i have disputed several times and even with a police report stating the fact that i had been a victim of ID theft. but they are not belong helpful at all, and when calling them every single time they are asking verification and have answered all the questions they are saying that i was not verified and i have no way of finding out whether or not what the situation is about my disputes and fraud accounts. please let help me out, your are my last hope, i receive Social Security Income and these fraud account are giving me headache, they are about to cut off my SSI, and i have no way of proving that these were fraud account. because quifax is not helping me in any sort of way. i need to proved the clean equifax report to the administration in order for my SSI to be  continued. 
i beg of you to help me so i wont be homeless. 
thank you for your help, i will be attaching my police report and the FTC report and the letter explaining what i have sent equifax thank you for your cooperation
Complaint sub-issue: Personal information

I moved from XXXX to XXXX in XXXX, XXXX, and have been a resident of XXXX since then. During the last 4 years, I have received several letters from Equifax notifying me of a " new '' address, which always turns out to be the " old '' address in XXXX that I moved from in XXXX. I called Equifax and corrected the address error. On XXXX XXXX, XXXX, I received XXXX letters form Equifax. XXXX letter said my new address was my prior address in XXXX : the second letter said that my new address was the address in XXXX! These arrived on the same day! I will scan these letters and try to forward them to you. The most recent letter I received from Equifax is dated XXXX/XXXX/XXXX. This latest letter has once again notified me that my new address is now back in XXXX. I have spent hours trying to insure Equifax that my correct address is in XXXX, but they keep changing it back to my old address in XXXX. 
What 's going on?
Complaint sub-issue: Report improperly shared by CRC

15 years ago I was slow paying my XXXX XXXX bill and had to go on a payment plan with them. 
I try several times to get Equifax to remove this file of XXXX XXXX become the law states that they can only report it for 7 years or 10 years if it 's a court judgement. This XXXX XXXX file has been on my Equifax file for over 15 years since XX/XX/2000. XXXX and XXXX has removed upon my request with no problem. I also try several times with XXXX XXXX as well.