Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I have recently started reviewing my credit reports and i have noticed incorrect items that are showing up. The innacurate information is killing my financial profile and stopping me from fulfilling my financial obligations. I am in the process of thrying to buy a home and i was told that my credit report has negative account on it that i need to resolve before i will be approved ofr a mortgage. 

There is an account listed on my credit report that does not belong to me. Also the accounts dates last active date shows XX/XX/2015. I was told by a financial attorney that i in the state of NC the statute of limitations for a written and oral contract is only 3 year. Even if this was my account by law it should not still be reportin on my credit report. 

I have reached out to this company multiple times including last month and i still have not recieved a response or an update. Please assist with this matter in a quick matter so that i can continue looking for a home for me and my family. 

thank you in advance
Complaint sub-issue: Account status incorrect

I spoke with a representative XX/XX/2021 at Citibank about my closed credit card. The agent assured me because of my account being closed the only reporting to the credit bureau will be my balance total. According to the three major credit bureau I am now showing a late payment in XXXX. If this is correct procedure I was ill advised and suffer a blemish on my exceptional payment history due to Citibank 's staff negligence. This needs to be corrected immediately.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

Received several Voicmail regarding a petition filed agains myself with a reference number. Received calls on work phone as well as cell phone from a XXXX XXXX of the XXXX groups regarding Total Visa Card she threatened me with suing and utilized tactics to force me to make an agreement that I can not afford. The aforementioned agreement is not within my means but a verbal demand was made to pay within 10 days also XXXX XXXX insisted for my debit card to pay and demanded to know what bank the card was from. Then I was transferred to a payment verification department that requested my permission to be recorded I declined and the gentleman said the recording was for my protection. They also asked for the 3 numbers on the back of the card which I believe is not necessary for a transaction. XXXX XXXX also stated that I would save on legal fees and now will not be sued and asked for my email address to send a paid in full letter although I requested the information to be deleted from my credit report. Also is was stated in the call that their organization had an incorrect address. 
Voicemail left XX/XX/2021 & on work phone XX/XX/2021. I returned the call XX/XX/2021 and that is the day I was forced to make a payment agreement by violation of the Fair Debt Collection Act.
Complaint sub-issue: Information belongs to someone else

Upon checking my credit report, I discovered someone used my information to obtain medical care and get credit cards. Ive sent 605b letters to both Equifax & XXXX  with no response. Ive requested all fraudulent accounts be blocked from my credit file and the ftc report and request went ignored. Which is all a violation of the FCRA. The following accounts are fraudulent. 
1. XXXX XXXX XXXX ( XXXX XXXX XXXX ) {$920.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 
2. XXXX XXXX ( XXXX XXXX ) {$560.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 
3. XXXX XXXX ( XXXX XXXX XXXX ) {$2400.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 
4. XXXX ( XXXX  XXXX ) {$67.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 
5. XXXX ( XXXX XXXX ) {$420.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 

There is also a number of fraudulent inquiries on my report, I tried calling and send proof. With no help. 
Please see attached FTC report.
Complaint sub-issue: Debt was result of identity theft

I was a victim of violent crime. I am not responsible for this account.
Complaint sub-issue: You never received your bill or did not know a payment was due

During the year of XXXX, I was a college student who currently wasn't working. At the time, I didn't completely understand credit and how it worked. So, I didn't make my payments for two months, but after those two months I have made regular payments to credit card since. This past year, in XXXX of XXXX I was overpaid by my job and that was all the money I had in my bank account and that same week I was paid my credit card bill were due on XXXX XXXX. So, for XXXX it was shown as a late payment for 30 days. I have since made payments for both accounts as well as sent a good will letter and reached out to both credit card company.I have also put myself on auto pay with each credit card company.
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. 


Here are the following accounts which has violated my rights : XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX # 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 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: Information belongs to someone else

i tried disputing this saying its not mines it doesn't belong to me amd they haven't supplied me proof
Complaint sub-issue: Debt was paid

Ive settled this debt and could not afford to pay more due to Covid 19. I was told that if I settled the debt would be deleted. This collection account has been settled but its still showing on my credit report. Im trying to buy a new home and was advised by Acima that they would delete this tradeline.
Complaint sub-issue: Application denied

My husband and I each applied separately at different time about a year or two appart to Citi Card  because they had what looked to be a great cash back program. My husband and I both have excellent credit. They have now declined both of us but the reasons they gave were false. They told my husband that he could not have credit because he applied online and on paper, which he didn't do, but they would not reconsider. They told me it was because XXXX put a hold on credit. I called XXXX who told me my credit was NOT on any kind of a hold or alert and that I had no late payments, defaults or anything. One of the listed bonuses Citi offers is for paying off credit card every month. My husband and I pay our credit card off every month. I believe Citi is looking for people who carry a balance ONLY and reject the rest. The problem is that by applying for a credit cart that the company was never going to approve, then affects my credit because they pull a hard report from the reporting company. This is a SCAM!!!
Complaint sub-issue: Information belongs to someone else

I pulled my credit because I was alerted by my social security card getting lost and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my credit profile. My identity has been compromised and this information in my report is not correct.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Checked my XXXX XXXX  and send a unauthorized hard inquiry and I never applied for any credit products for discover bank. Called and they still havent removed from my credit report.
Complaint sub-issue: Not given enough info to verify debt

I have made several requests to Enhanced Recovery Company to validate the account in there office. I never received any notification that Enhanced Recovery Company had the authority to enforce a claim upon me. No proof of Claim whatsoever. Enhanced Recovery Company claim does n't meet the standard of the state of OHIO XXXX XXXX This would include affidavits since said records or documents upon which their office has sent are not original and not admitted into evidence or attached to the complaint or affidavit. I am sorry what affidavit? I was unable to find anything that shows Enhanced recovery or any third party law firms and collection agencies are in accordance with the XXXX. XXXX OHIO XXXX XXXX XXXX Taking assignment of debt : XXXX XXXX XXXX XXXX No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency. 
( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection. 
( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.
Complaint sub-issue: Application denied

HI I a freshman student trying to build credit score I applied for discover credit card in XXXX end, after receiving the card while I was trying to activate the card I was told that my account was closed and I need to get rid of the card and reapply again.The reason they provided me for my card cancellation is that they asked me for some tax return documents which I do not have since I am a freshman. It has been 3 months since I try to apply every 10-15 days but I can not do so. And after having a word with the company several times I was told that there is nothing they can do. Also, due to this reason I am not able to apply for any credit cards available in the USA.
Complaint sub-issue: Problem with customer service

I made a simple request in mid  XXXX   XXXX  online -- using their link, a link specific to " change your payment date ''. I have made on time payments since  XXXX   XXXX  to American Education Service s ( AES ) , according to their website. These about {$160.00} payments were drawn on the  XXXX  of each month. I wanted to move the payments up in the month to better assess how much surplus my wife and I had each month to be able to make extra payments. I requested the  XXXX  of the month. I called a week later. They said nothing happens for 10 days. Then  XXXX   XXXX  I got a message that I failed to sign their form, which was not linked to the link described above. Ok, fine. Done, mailed it same day  XXXX   XXXX   XXXX . Sent an email last week  XXXX   XXXX   XXXX . Nothing. Pure delay tactic. To make it fair these servicing companies should be docked all the interest for their delay, otherwise what incentive do they have?
Complaint sub-issue: Overdrafts and overdraft fees

I was charged XXXX XXXX dollars eleven times for items PNC Bank didn't pay. When I set up my business checking account, I told the representative that I didn't want overdraft protection. I was credited back seven of the charges and was told I can't get the rest refunded back.
Complaint sub-issue: Debt was paid

XXXX XXXX Hospital sent a bill that was paid by insurance to collections. I reached out to XXXX XXXX Hospital via phone on XX/XX/2019 in regards to this matter. XXXX XXXX- director of risk management, followed up via email, and is the person who investigated this issue and found that the bill had in fact been paid by insurance. The representative from XXXX XXXX Hospital confirmed that the amount owed was {$0.00}. I was told by email that the account would be withdrawn from the collection agencys list and would be closed out of their billing department. 

I contacted Equifax twice providing them the correspondence and documents stating their was no amount owed for the medical bill because it had been paid in full by insurance. However, Equifax negligently kept this report on my credit record causing reached out to XXXX XXXX Hospital via phone on XX/XX/2019 in regards to this matter. XXXX XXXX- director of risk management, followed up via email, and is the person who investigated this issue and found that the bill had in fact been paid by insurance. The representative from XXXX XXXX Hospital confirmed that the amount owed was {$0.00}. I was told by email that the account would be withdrawn from the collection agencys list and would be closed out of their billing department. 






XXXX XXXX Hospital sent a bill that was paid by insurance to collections. I reached out to XXXX XXXX Hospital via phone on XX/XX/2019 in regards to this matter. XXXX XXXX- director of risk management, followed up via email, and is the person who investigated this issue and  found that the bill had in fact been paid by insurance. The representative from XXXX XXXX Hospital confirmed that the amount owed was {$0.00}. I was told by email that the account would be withdrawn from the collection agencys list and would be closed out of their billing department. 

I contacted Equifax twice providing them the correspondence and documents stating their was no amount owed for the medical bill because it had been paid in full by insurance. However, Equifax negligently kept this report on my credit record causing great damage to my credit record and costing me hundreds of dollars more on an auto loan because of this false report.
Complaint sub-issue: Privacy issues

I am receiving promotional and account-related information via email for another person 's account. I was assured via several phone calls and a previous CFPB complaint that my email address was removed from the account, but I continue to receive emails. The emails contain information about the account and account holder, such as the account holder 's name, credit limit, current balance, and partial card number.
Complaint sub-issue: Debt is not mine

I had XXXX, then saw ad from XXXX about paying-off contract from XXXX XXXX XXXX. Went to XXXX but had to submit my new cell phone. I paid XXXX amounts of {$96.00} that SAME day before handed the " new '' cellphone. The " new '' cellphone happened to be a refurbished one and to my surprise it never worked. A few days later I called XXXX and explained situation. The representative answer was " My hands are tied, ca n't do anything about that ''. The next step I took was to cancel the account. A month later I received a bill for the month of " service '' that was supposedly used. Again, call XXXX to inquire about the charge and explained about the cancellation ( I had previously ask for a cancellation reference number and was told that they did n't do that ) and that they knew the account was cancelled. Next month ( two months later ) I received another bill for the " service '' they had " provided '' .I did AGAIN the same thing : called XXXX, explain, was given the same " run-around '' excuses and the SAME explanation, " My hands are tied '' ( I 'm sure they have the conversations recorded ). At this point I was ( am ) still extremely XXXX insulted by the business practices of this IMMORAL corporation. I strongly invite you to see my credit scores and history and SEE for yourselves what kind of client I am and most of all, my moral character when it comes business practices and how I deal with my financial responsibilities. At this point I still feel I owe nothing to the immorals at XXXX and actually I'AM the one something is owed to. At this time I want to offer my gratitude for your time in helping unravel this situation. Thanks and feel free to contact me at my e-mail.
Complaint sub-issue: Account status incorrect

I opened a credit card with XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. All payments were paid as agreed every month except for XX/XX/XXXX. This was due to a medical emergency that I experienced that put me in the hospital for XXXX and a half weeks. I was unable to make arrangements with XXXX XXXXXXXX XXXX due to my hospitalization.
Complaint sub-issue: Information belongs to someone else

These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in XXXX XXXX  & financially... and I would truly not what to pursue a legal remedy... I'd like the accounts below deleted from my file ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

I have been working diligently on my credit repair. I have found battle after battle, and still feel like I'm be frauded. 

I received in the mail a bill from Jefferson Capitol saying I owe on a cell phone bill to my current cell phone company. 

I do not have any delinquent debt with them. 

I called and they told me they would issue a dispute. 

Now I get another letter stating they want my ss # account # description of error and explanation of why I believe there is an error, dollar amount in question, date of suspected error, cope of the credit report with their trade line. 

I again called them and they told me, ok, we will stop collections, and will not report on my credit reports.
Complaint sub-issue: Trouble with how payments are being handled

Fedloan Servicing is not following the instructions on how to credit the payments to my student loans. These are beyond the required monthly payments and are extra payments made to pay off the balances early. Despite providing specific instructions in writing and on the physical checks themselves to apply the payment to the highest interest loans, the company took it upon themselves to distribute the payments across the loans as they saw fit, disproportionally towards the lowest interest loans. 
XX/XX/XXXX {$500.00} check payment processed. 
Disb Date Interest Balance % of total Balance Payment % of total payment XXXX 4.25 % {$430.00} 7 % {$110.00} 23 % XXXX 3.15 % {$2200.00} 34 % {$130.00} 27 % XXXX 3.15 % {$2600.00} 40 % {$160.00} 33 % XXXX 3.61 % {$1200.00} 19 % {$84.00} 17 % XX/XX/XXXX {$500.00} check payment processed. 
Disb Date Interest % of total Balance Payment % of total payment XXXX 4.25 % 7 % {$4.00} 1 % XXXX 3.15 % 34 % {$170.00} .00 34 % XXXX 3.15 % 40 % {$210.00} 43 % XXXX 3.61 % 19 % {$100.00} 22 % XX/XX/XXXX {$500.00} check payment processed. 
Disb Date Interest % of total Balance Payment % of total payment XXXX 4.25 % 7 % {$140.00} 18 % XXXX 3.15 % 34 % {$220.00} 28 % XXXX 3.15 % 40 % {$280.00} 35 % XXXX 3.61 % 19 % {$140.00} 18 % I have contacted the company multiple times requesting for them to submit the payments as instructed on the checks in the uploaded documents but each payment I submit they disregard the instructions.
Complaint sub-issue: Account status incorrect

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

XXXX, XXXX  AND XXXX ARE REPORTING NEGATIVE ACCOUNTS ON MY REPORTS THAT ARE NOT MINE. THIS ACCOUNTS. 
XXXX XXXX XXXX, XXXX  XXXX XXXX AND XXXX XXXX XXXX WERE REMOVED AND PLACED BACK ON MY REPORTS WITHOUT MY KNOWLEDGE, PERMISSION, APPROVAL OR NOTIFICATION. 


NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Complaint sub-issue: Problem during payment process

I changed bank accounts and when I put in my new bank account the program kept taking the old bank number. When I realized it I called the bank and talk to IT person who helped me go to another program to input. In the meantime no pmt made. My new bank account had 2 account numbers with the checking account ending with a XXXX. I just put in the bank account number as the online program asked if it was checking or savings account. This was not right and check returned again. In the meantime I called the bank several times asking what to do as I could not make any changes in program. I had the money and was trying to pay. They closed my account. It was a Citibank Costco card. I appealed twice to no avail. I was due to have my cash rebate of {$500.00} sent to me the following week. They said since my account was closed I could not get the money I earned. I think this is outrageous. This was an honest mistake and part of the problem was their online banking system. Im a senior citizen and getting ready to retire and I feel like I have been robbed.
Complaint sub-issue: Information belongs to someone else

Last night, I rec 'd an alert from XXXX XXXX starting that I applied for a CC with XXXX XXXX. I've never applied with XXXX XXXX. I called XXXXXXXX XXXX XXXX Fraud Dept XXXX and XXXX XXXX advised their was an Application ID # XXXX that was TD= Turned Down but she couldn't view the date. 
She advised me to reach out the XXXX credit bureaus and FTC and XXXX XXXX I am requesting a freeze on my credit.