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

In XXXX of XXXX, I leased a brand new XXXX through Ally credit company. In XXXX I paid my payment a little late and they applied it to the XXXX payment early. The next payment I made was applied to the XXXX payment, the next to XXXX, etc. So basically my account ended up showing FIVE months late because they never applied my payments to that XXXX bill. I was NEVER notified that my account was showing anything but current. In XXXX XXXX the vehicle was totaled and paid off completely by insurance. We 've disputed this with them on several occasions and have been given the run-around every single time. Getting them on the phone is almost impossible and only one person ( out of the about 20 we 've spoken to ) spoke English, so it 's very hard to get anything done. They are a horrible company to work with and do n't care that they made a mistake and have made zero effort to fix it. XXXX and XXXX have removed it but it is still showing on XXXX  despite the fact that we 've disputed it several times.
Complaint sub-issue: Didn't receive notice of right to dispute

I have made multiple attempts to rectify this problem. Under federal law, a debt remains on a credit report for a period of seven ( 7 ) years from the date of issue ( 15 U.S. Code 1681 ( a ) ( 4 ) ). This debt has been reporting since XX/XX/2015, with no resolve.
Complaint sub-issue: Trouble closing card

hackers HAS STOLEN MY IDENITY.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting AcXXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
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 this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2015 Balance {$0.00}
Complaint sub-issue: Information belongs to someone else

Last year I discovered a false account with XXXX XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX  reporting on my file because of identity theft. I contacted the credit bureaus about it, and they told me to file a dispute and an identity theft report with the Federal Trade commission. I submitted the dispute report, but they denied the claims. These are not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX and XXXX XXXX XXXX they refuse to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine. 
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and dated last reported in not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

These are not my accounts. This is a second request. Please remove it from my credit report. 103 Claims true identity fraud/account fraudulently opened.
Complaint sub-issue: Was not notified of investigation status or results

I sent out a letter To Verify The Accuracy On my Credit Report on XX/XX/2021. I Also sent out a demand a comply letter as well. It's been over 30 plus days in have not had a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof. So I demand for the item to be removed.

Also under 15 U.S. Code 1681 - Congressional findings and statement of purpose.

( a ) Accuracy and fairness of credit reporting. I don't feel i am being treated fair.

Accuracy mean that all value are deem correct and Accuracy is measure of value. 

Fairness means no one is taking unjust advantage of another. I fell they willfully and knowingly that they are reporting inaccurate information and committing fraud. 

( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Its hurting my Confidence and i am the natural person.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, I have a paid collection with ECMC for {$250.00} back in XX/XX/XXXX. I thought my mortgage company paid off my XXXX XXXX, so I thought back in XX/XX/XXXX. then in XX/XX/XXXX XXXX XXXX contacted me and said I owed {$110.00} along with 2 years in payment coupons. I called many times speaking to reps in another country, they just kept saying I owed the money but could n't tell my why. after about 8 months of fighting with XXXX XXXX, XXXX XXXX then " charged off '' {$250.00} and sent me to ECMC collections. I was finally done dealing with these idiots and paid off the {$250.00} in XX/XX/XXXX. I have been writing to ECMC to please update my credit report to " paid '', instead they are listing my credit report as " failed to pay ''. I just pulled my report on XX/XX/XXXX and they now reported me as 120 days late in XX/XX/XXXX. I feel all this is in retaliation, I even have a letter stating " paid in full '' is n't this illegal? BTW, my credit score is in the XXXX 's however this false report to XXXX has cost me the best possible refinance interest rate, showing that I have a serious delinquency.
Complaint sub-issue: Information belongs to someone else

Equifax Credit Reporting ( XXXX # XXXX ) continues to reinsert and conduct due diligence concerning incorrect information that has been disputed by the consumer. 

Equifax Credit Reporting knows or should have known the reported information was incorrect if the proper investigation was conducted pursuant FCRA. 

A Bankruptcy Chapter XXXX # XXXX was opened and closed within four ( 4 ) days. This public record belongs to a person of a possible similar name however not to the consumer. Equifax remains the only Credit reporting Agency that is fraudulently declaring they have investigated and correctly reporting the information. Consumer has confirmation, in writing, for the US Bankruptcy court confirming Equifax is fabricating this tradeline. 

Consumer ( XXXXXXXX XXXX ) contends this has been a systematic behavior concerning Equifax Credit Reporting.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/2020 there were 6 unauthorized transactions cash withdrawals from my bank account. Each one for XXXX totaling {$640.00}. I immediately called in the morning when I noticed and disputed the charges as fraud. I was told that Citibank would provide the provisional credit while I waited. There was no credit. A charge posted that caused an overdraft fee of {$34.00} on XX/XX/2020. I called and they told me there was nothing I could do at this time. 

This has made me write a complaint because as of today there is no credit back to my account for the unauthorized charges, and on top of that I was charged XXXX for a returned item fee.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

There were multiple fraudulent transactions on my XXXX XXXX XXXX. So, I filed a dispute on XX/XX/XXXX and I sent my dispute forms by mail with a tracking number. 
Per my tracking number, my dispute forms have been delivered to the address they provided me with ( cardholders services XXXX, Fl ). 

It has been more than 10 business days and I havent received any provisional credit or any type of resolution. 

I called multiple times to inquire about the dispute or if the dispute form have been received and they keep giving me the run around. 
This company is violating Regulation E
Complaint sub-issue: Other problem

Somewhere in mid XXXX ( cant remember the specific date ) {$0.00} So I had couple items returned and got a refund back into Citibank credit card. 
At that time, I had other card as a primary use so often forgot to use the credit I had on Citibank card. 
Slowly but surely I used most of the refunded amount on credit card but had left {$0.00}. 
I was sure that I am going to use it because it was my money that I already paid off to Citibank. But when I checked after my long trip, the money was gone. The balance was XXXX. 
I called Citibank customer service and asked the representative to explain why it happened. She said that if I dont use refund in 3months without a claim, they remove the money from my account because of inactivity. But I was using my card ( definitely a sign of activity ) and I didnt see anywhere saying that making a claim was part of protecting my money from the bank. I kept asked her who keeps the money after they put it aside, she was a bit hesitant to admit that it goes to Citibanks account. But I was persistent to hear that from her and she finally admitted that Citibank keeps the money after few minutes of going back and forth. And she got tired of me asking same question ( for me to comprehend why and how it happened ), she said, with her agitated voice, if I want my {$0.00} back to my credit card. 

I think the principle here is wrong to take peoples money without any notification or our acknowledgment that the credit card company has a right to take the money away, simply because it was claimed before 3months. The amount I lost is insignificant so I didnt think it should be a big deal but think of elderly or younger people who arent experienced with credit cards. Some people might feel lost or used and dont know where to ask for help or how to get their money back. 
Let me know if theres any policy indicating about non-claim money or requirement to claim on refund before 3months from the day of refund. 

Any information would be greatly appreciated.
Complaint sub-issue: Frequent or repeated calls

this company kept telling us about the debt. we never knew about that till recently. 
they said they will acting getting money from us wihtout further notice? 
we are XXXX couple..they said they refused to talk to us because we use XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX for XXXX comunity.. i am thankful for the techlonoly for us to use.. they kept saying '' im not allowing talk to you " i said excuse me.. 
i send them email with the information about relay service.. 
we felt discrimated by them they kept sending us letter and calling us never never left any message on my answering machine??? where is our respects? 
i need respect from them. we recieved letter recently they report on our credit history. they told me that they are not report? 
XXXX supposed to be but they kept telling us we owed them XXXX? 
date is XXXX XXXX they kept threatnin us so much.. where is our respect? i talked with the XXXX VRS manager they said that the company was wrong.. they are against FCC ADA about VRS relaay service ... 
please help us. 
im tired of them kept calling us..they won't tell us wihtout the authroization form for VRS relay service ? it is against the Law because we are XXXX.. we felt discrimated by them. 
im afraid they take money away from us without our permission because we are XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.
Complaint sub-issue: Information belongs to someone else

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is unacceptable. Remove now is now ASAP!
Complaint sub-issue: Information belongs to someone else

I was denied a loan do to inaccurate information on my credit report that I have disputed year ago XX/XX/XXXX# XXXX, I HAVE NO KNOWLEDGE OF THIS ACCOUNT please delete it at once. I also have a bogus default judgement that showing on my credit report Case No. XX/XX/XXXXXXXX XXXX that was a vacated judgment ( VOID ) I need that deleted at once it is not accurate.
Complaint sub-issue: Information belongs to someone else

I would like to file a complaint against Equifax, XXXX, and XXXX because the credit companies are not complying with their own policies in a timely manner. I have sent out numinous letters of a Demand to Comply letters. The personal information on my credit report is not correct. These discrepancies have a huge impact on my credit report and i would like for these ideas to be removed immediately.
Complaint sub-issue: Didn't receive enough information to verify debt

I called to dispute with carter young and the credit bureau. asking to validate the debt. 
They have not sent me anything validating the debt in XX/XX/2022 of {$320.00} and {$75.00}. 
on all XXXX of my credit report, it is showing different dates that the account was opened. and payment history
Complaint sub-issue: Trouble with how payments are handled

An early payment made XX/XX/2017 was misapplied across the board to all my loans instead of first to interest & then to specified loan w/ the highest interest rate. The amount being paid was the amount quoted by Fedloan Servicer to fully pay off one of the highest interest loans ( 6.8 % ). First of all, they quoted an incorrect amount which included interest on a loan that had been paid off the day before. Asked Fedloan ( on phone ) to correct it. They required request in writing ( sent XX/XX/2017 ). They failed to fix error as my letter lacked dob ( which phone rep did not say to include ). On XX/XX/XXXX, my mother called to ask why error was STILL not fixed. They told her to have me re-submit letter with dob ( which I did immediately ). I want their error corrected prior to 1st payment being collected XX/XX/2017. They say it will take 3-5 days to read my email & up to 15 business days to make correction. The level of incompetence is ridiculous. Today they email -- not to say they 've finally corrected their error of XX/XX/2017 -- but rather to say, " Our records indicate you were in contact with our office on XX/XX/2017 and received assistance regarding the inquiry in your email. If you require additional assistance, please respond to this email. '' IS THIS A JOKE? Do they even READ the emails students send? The error is STILL not fixed & they want me to start over? Once they take my first payment next week by direct debit, the error will be compounded. This is cruel & unusual punishment. I 'm trying to make payments! Can I switch to a different loan servicer due to the incompetence of this one?
Complaint sub-issue: Their investigation did not fix an error on your report

I received a letter by CFPB on XX/XX/2021, a response from Loancare, who stated this would all be repaired and could take up to 60 days, yet today, they reported my payment as 30 days late for XXXX, it isn't even 30 days past XX/XX/2021. Since my XX/XX/XXXX is still missing 77 points, XX/XX/XXXX is missing 7points and XX/XX/XXXX is missing 70 points and this isn't something they are taking seriously, I have now lost all patience for this matter and will be obtaining a lawyer.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX/XXXX XXXX have received payment for all students loans account under page 4 section B of the promissory note regarding payment to XXXX XXXX from XXXX. 

Equifax has deleted the accounts after payment was made regarding the promissory note under the FCRA regulations. 

To report all accounts as paid in full according to the promissory note with the department of education.
Complaint sub-issue: Denied loan

I was checking rates to see if I could save money on my student loan ( which has a relatively low outstanding balance ) and was referred to Commonbond. After discussing their loan to get rates for a few minutes it became obvious that they were NOT ABLE TO COMPETE with my current rate, but I was really disappointed to hear " we don't offer our services self-employed individuals ''. I told the representative that I had all of my schedule C tax returns going back 10 years proving more than adequate income along with current proof that my income situation has not changed - in which she replied " we've chosen to not do business with self employed individuals at this time ''. I feel this is a generic move which is obvious discrimination against self employed individuals and has prompted me to NEVER attempt to do business with this bank moving forward. I advised the representative that the bank was discriminating against an entire group of individuals without basis and her manager called me shortly after. She told me they were not discriminating, but chose not to do business with self-employed. The fact is I have an 800+ credit score and an outstanding D/I ratio ( which is why commonbond couldn't compete with my current rate to begin with! ). All of this is easily documented because the IRS knows a XXXX of a lot more than Commonbank. They provided this information to me with NO FINANCIAL INFORMATION FROM ME. I believe it is important for every bank to NOT MAKE JUDGEMENT-BASED DECISIONS WHEN IT COMES TO LENDING. This is the same exact behavior that leads to denying minorities loans. What exactly is the difference between refusing my refi without any financial proof - just because I'm self-employed and refusing my refi without any financial proof because of what I look like? COMMONBOND IS A DISGUSTING BANK THAT MAKES SNAP DECISIONS WITHOUT LOOKING AT ANY NUMBERS. They should be ashamed of their policy and I'll be spreading the news that this bank discriminates regardless of how much money people actually make! Self employed people typically have to work twice as hard to pave their own way - just to get this IGNORANT response from SOME banks.
Complaint sub-issue: Debt was paid

I have never received any communication in writing in regards to this debt. Had I received communication, I would have disputed this debt within the 30 day validation period as it was paid directly with the original creditor. I have received numerous calls to my cellphone, although I have never granted permission to this company to call my cellphone. The calls come in multiple times a day and the line is disconnected as soon as I answer. My cellphone being called repeatedly without permission is abusive harassment. I have also attempted to contact this company when they reported this to my credit. However, the computer prompts never direct you to an actual person so I can ask where to send my proof of payment. I did not authorize my information being sent to a third party collection agency.
Complaint sub-issue: Account status incorrect

Paid accounts, refinanced student loans shows as " closed accounts '' As I know closed accounts may negatively affect my credit health, so I am fighting to defend my reputation, I want XXXX, Equifax, XXXX to DELETE all the paid and refinanced accounts to keep my reputation clean because I am serious about taking care of my credit.
Complaint sub-issue: Deposits and withdrawals

Issue summary : $ XXXX transferred from XXXX to Citi is missing. 

Issue details : 1. XXXX XXXX opened Citi bank account online and initiated opening deposit of $ XXXX in the process 2. XXXX XXXX XXXX deposits by Citi into XXXX verified 3. XXXX XXXX received Your opening deposit has been made email by Citi 4. XXXX XXXX $ XXXX withdrawn by Citi from XXXX 5. XXXX XXXX closed XXXX account 6. XXXX XXXX called citi since citi account still did not have funds credited. Was told it will take XXXX business days 7. XXXX XXXX called citi since citi account still did not have funds credited. Was told it will take XXXX business days 8. XXXX XXXX morning called citi since citi account still did not have funds credited. Was told it will take XXXX business days 9. XXXX XXXX evening call to Citi. Was told that my account was blocked for fraud and funds did not get into citi account for that reason ( No reason for fraud/block given ). Citi said they rejected the funds.But the funds would not go back to XXXX because i closed XXXX account not knowing that citi had blocked my new account. Had a conf call with XXXX, citi and myself. Citi and XXXX both blamed each other. Citi guy said he will follow up on why the account was blocked. But he never got back. 
10. XXXX XXXX, talked to Citi supervisor named XXXX XXXX, explained the situation. She told she will talk to new accounts/fraud dept and ask them to give me a call. But never got a call back. 
11. XXXX XXXX talked to XXXX regarding missing funds, they said will look into it 12. XXXX XXXX XXXX gave me transaction details for the withdrawal and asked to file a case with Citi. They told me the reason funds got rejected by citi is name mismatch ( citi never informed me about this ) 13. XXXX XXXX citi declined that they have funds and was told that the account is being closed 14. XXXX XXXX filed a case with citi regarding missing funds, was given XXXX business days ETA 15. XXXX XXXX got a call from Citi regarding this issue, repeated the whole ordeal in the phone and was told they will get back. 
16. XXXX XXXX got a call from Citi again asking my experience with citi banking, I gave them my issue details again. Was told they will get back 17. XXXX XXXX, today. No update from Citi Never did I get an email/mail/call regarding blockage/fraud/funds etc from Citi before I found out myself on XXXX XXXX. They were utterly negligent/irresponsible/unresponsive/gave false info multiple times. They even sent me atm card, check book, account statement giving me false impression that everything is ok. 
I had to call them every week and find out as to whats going on. Wasted about XXXX hours in the process. ( Above list of calls may not be complete )
Complaint sub-issue: Reporting company used your report improperly

To whom it may concern, This is in reference to my consumer report. While checking my consumer report, it came to my notice that your company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collections Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation