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

XXXX XXXX is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of federal law. They are also reporting duplicate accounts to the credit bureaus.
Complaint sub-issue: Debt was paid

Good Evening, I just got off the phone with both XXXX and XXXX at EOS CCA company in regards to alleged debt from XXXX acct # XXXX, and it keeps showing that I still owed {$360.00} but this debt has been paid down in full with reference number # XXXX ... This is reporting wrong balance and they both mentioned that once it's paid that they will fax me the letter and put an order to get it removed or deleted from my credit report. 

Again, I had disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor.
Complaint sub-issue: Charged too much interest

Yesterday ( XXXX ), I was unable to make a charge, it prompted me to go into the Citi app today. When I went in, there was a red bar saying I was 14 days late. I had no idea I was late as I never received any communication about a missed payment. I immediately paid the entire balance today ( XXXX ). I dug in and found interest charges for XXXX, XXXX and XXXX. I never received a single email on a missed payment, but in the meantime Citi was charging me me interest. With AMEX, if a payment is missed, you receive a very explicit email that says you missed a payment and have been assessed a late fee. Again, I did not receive a missed payment email, I received a note on XX/XX/XXXX that made it seem like I was up to date and then actually received a letter in the mail XXXX and an email on XX/XX/14 about a credit increase - Citi raised my limit to {$27000.00}! Why would you give an increase to someone who hasn't paid?! I guess it was so they could charge me even more interest on purchases. When I called today ( XXXX ), the representative could only remove this month 's fees. When I asked to speak to a XXXX, she said she was the XXXX and that the next level of dispute is via a po box . I asked for an electronic alternative and she said there wasn't one - only fax. I can only imagine the impact of Citi 's practices on the elderly, low income and under-represented. I would not have thought of Citi as a predatory lender, but the lack of communication with customers is making me think otherwise.
Complaint sub-issue: Information belongs to someone else

US DEPT OF EDU Account # XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX I did not open these accounts. I was never made aware of the opening of these accounts. I have never knowingly paid any money toward these accounts. These fraudulent accounts are being inaccurately reported by Equifax, XXXX, and XXXX. US Department of Education and State of MD XXXX are harassing me for payment but have never responded to my disputes or validated these debts. It has been well over 60 days since I disputed these accounts. I have not received a response. Remove these account immediately or I will sue. My right to privacy has be violated repeatedly. I have not gave anyone permission to furnish this information on my consumer report. My information has been violated by the Equifax Data Breach. I am a victim of identity theft. I have submitted multiple copies of my identity theft report and they refuse to block this information from my consumer report. No debt collector has provided me with documentation of my signature validating these accounts. I have submitted affidavit. This information needs to be removed IMMEDIATELY.
Complaint sub-issue: Didn't receive advertised or promotional terms

I have an LL Bean XXXX with Citibank. Back in XXXX they sent a notice in the mail that you could earn $ XXXX for the 3 months of XXXX, XXXX and XXXX if you spent a certain amount ( say {$200.00} ) on groceries each month. I promptly activated the offer and more than fulfilled my purchase requirement each month to earn the {$25.00} in Bean Bucks or {$75.00} TOTAL. When I called in XXXX to ask when I would see my XXXX Bucks applied to my account they said it could take XXXX billing cycles. Well that has not happened and I have called XXXX times now to discuss with a rep or even team leaders and no one can give me an answer as to why my Bean bucks have not been applied. I just got off the phone this a.m. ( XX/XX/22 ) with another supv. ( XXXX- # XXXX in XXXX XXXX ) and was told someone would get back to me. That is the XXXX time now I have heard that. I do not know where to turn to get this resolved and get my earned bean Bucks credited to my account. Please HELP!
Complaint sub-issue: Account information incorrect

For the XXXX account, first of all this doesn't belong to me. When I tried to resolve it with XXXX, and even offered to pay it off so that I would not owe a debt that " allegedly '' belongs to me, they refuse to even let me fix the issue! I shouldn't even have this account on my credit report! 
For the XXXX, they made the mistake for them reporting these lates on my account. I have tried to have them own up to it and fix them but the absolutely refuse to. The lates are seriously affecting my credit.
Complaint sub-issue: Threatened to sue you for very old debt

I HAVE NEVER HAD THIS ACCOUNT. THIS NOTIFICATION I RECEIVED IS THIS FIRST TIME I'VE EVER HEARD OF THIS DEBT!!!
Complaint sub-issue: Information belongs to someone else

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX  XXXX {$8500.00} XXXX XXXX {$23000.00} XXXX  XXXX XXXX {$480.00}
Complaint sub-issue: Reporting company used your report improperly

I sent XXXX, XXXX, and EQUIFAX letters via certified mail XX/XX/2022 demanding for them to remove these inaccurate accounts from my consumer report. XXXX XXXX XXXX  AND XXXX XXXX  and to also correct my personal identifying information on my consumer report. I am demanding that each agency be in accordance with the law 15 usc 1681 ( a ) ( 2 ). I never gave these agencies my written consent to furnish these negative accounts to my consumer report and I, the consumer also have rights to my privacy. This has caused damages in my life with getting denied a home loan and causing decreases in credit limits.
Complaint sub-issue: Investigation took more than 30 days

In  XX/XX/XXXX  I filed a complaint with Equifax and I did n't receive a response back until back until  XX/XX/XXXX . This date is way passed the 30 days time frame allowed. i am requesting these following items be removed from my report 1. ACCOUNT NAME :   XXXX   XXXX   ACC BAL : {$2500.00} This account is duplicate with multiple listing as open error please delete inaccurate.
2. ACCOUT NAME :   XXXX   XXXX   XXXX   XXXX   ACC BAL : {$100000.00} charged off listed 3. ACCOUNT NAME :   XXXX   XXXX   ACC. BAL {$1700.00} 4. ACCOUNT NAME :   XXXX   XXXX   XXXX   ACC BAL : {$73.00} I 5. ACCOUNT NAME   XXXX   XXXX   XXXX   ACC {$0.00} NUM :  XXXX  6.ACCOUNT NAME   XXXX   XXXX   ACC BAL : {$2500.00}
Complaint sub-issue: Information belongs to someone else

The following XXXX XXXX XXXX MasterCard Account : XXXX-XXXX-XXXX-XXXX  listed on my Equifax and XXXX  credit report is lost/stolen, and the credit card account dont belong to me.
Complaint sub-issue: Frequent or repeated calls

I have a loan with Conn 's. My payment is due on the XXXX of each month. I have told the company repeatedly that payment will be made by the end of each month, to coincide with my payday. The company has refused to change the due date for my payment, and this is the best I can do. Payment has been made before the cut off for late fee each month. Despite communicating with the company regarding my payment, they continue to call each and every month repeatedly from several different phone numbers, as well as send text messages, and emails. I have asked that they not contact me more than once a day. The contacts made in XXXX are as follows. I can pull records for prior months, if needed. X/XX/2017 @ XXXX XXXX - I received an email about my payment BEFORE payment was due on X/XX/2017 X/XX/2017 - I received two emails at XXXX XXXX  and XXXX XXXX, as well as 3 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, and XXXX XXXX I answered the call at XXXX XXXX and asked that calls stop and let them know payment would be made by X/XX/2017. X/XX/2017 - I received 4 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX X/XX/2017 - I received an email at XXXX XXXX, a text message at XXXX XXXX, and 3 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, and XXXX XXXX X/XX/2017 - I received a text message at XXXX XXXX and 5 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX X/XX/2017 - I received 3 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, and XXXX XXXX X/XX/2017 - I received an email at XXXX XXXX, a text message at XXXX XXXX, and 6 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX X/XX/2017 - I received 4 calls from phone number XXXX.Calls were at XXXX XXXX., XXXX XXXX, XXXX XXXX, and XXXX XXXX. X/XX/2017 - I made payment at XXXX XXXX I received a call from phone number XXXX at XXXX XXXX.
Complaint sub-issue: Fee problem

I have a recurring preschool tuition charge to my Citi Priority checking account. A few business days before the XXXX monthly charge kicked in, I realized the account is a XXXX XXXX dollars short, so I transferred money from my brokerage account ( also with Citi ) to the checking account. A few days later when I followed up on the app, I realized the transfer did not go through and was nowhere to be found, so I tried again. It disappeared again, and at this point, the charge kicked in. So I got charged {$34.00} NSF fee ( which Citi later refunded ) and {$50.00} NSF fee by the school, and my balance dipped to negative. I tried transferring money from the brokerage again, and it kept showing error message 'Your request can not be processed at this time. Please try again later '. I tried transferring from my account with another bank, and got error message 'You 've reached the maximum number of accounts allowed. To add a new account, you must first delete one ', while in reality this is the first external account I have. I don't want the overdraft status to be reported to XXXX ( or whatever bank activity reporting system ) and get ding'ed in the future. I have many incidents with Citi before, and it's truly the worst. 

Account transfer reference number ( I forgot to take the first one, but did have pictures of the next two once I realized the first one disappeared ) : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX )
Complaint sub-issue: Right to dispute notice not received

I received one letter and the next week a collection account was placed on my credit reports. The account in question has been has been proven to have been opened in my name fraudulently by someone else with the previous collection agency that tried to collect from me years ago. ERC did not even send me a debt validation notice to allow me to ask for validation which is required under the FDCPA.
Complaint sub-issue: Can't close your account

I had a Citi Bank Mastercard. I called the company at the end of XXXX and asked that the credit card account be closed. They confirmed it was closed. When I logged in online, I confirmed that the webpage said " This account is closed. '' XXXX a company put through a charge for merchandise that I had cancelled in XXXX, confirmed with the company it was cancelled at that time, and never received any merchandise. The company apparently was able to put through the charge because Citi allowed it EVEN THOUGH THE CREDIT CARD WAS CLOSED! As a result, I'm getting a bill from Citi, late charges, interest, penalties, etc for something I didn't buy on a card I don't have. Help!
Complaint sub-issue: Debt is not mine

This debt is from a medical bill of my ex husband who died in XX/XX/XXXX. The debt occurred in mid XX/XX/XXXX and the XXXX keep updating the date on the debt even though it does n't belong to me and it has been over XXXX years.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

High I'm reaching out because I recently got my equifax credit report # XXXX and I've noticed these hard inquiries on my credit report that I don't recognize or gave written consent to anyone of them. I have rights under 15 usc 1681 that state Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I ask these inquires be looked into and verified along with proof of verification. If said inquires can't be verified or shown proof I ask they be removed from my equifax report XXXX XXXX did a inquire on XX/XX/XXXXXXXX XXXX XXXX # XXXX did inquires on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX did a inquire on XX/XX/XXXX 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. 
HARD INQUIRIES *XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX PLEASE REMOVED THESE INQUIRES!! 

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: Didn't receive notice of right to dispute

XXXX XXXX / XXXX / {$50.00} XXXX XXXX XXXX XXXX / {$980.00} XXXX XXXX / XXXX / {$50.00} XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Complaint sub-issue: Problem during payment process

I attempted to make a payment on my Sears card via the internet, and was unsuccessful. I called customer assistance and was informed that my account had been changed to a mastercard account. I was further told that I had been sent 2 letters giving me a terminal date to refuse the mastercard, which was activated after no refusal was received from me. I told the agent that I had not received any letters and I did not need another credit card. I asked that my account be reverted back to the regular account that I had. I was told that they could not do that since the card was activated. I firmly stated that I did not request or desired the card. I further stated that I did not want to make a payment that would go to that mastercard. I was told again that the account could not be reversed. I hung up dissatisfied and contacted the Maryland Attorney General 's Office of Consumer Protection, who referred me to you. I currently have 2 credit cards and do not want more, especially one that I had no previous knowledge of, nor requested. Your assistance is greatly requested. Is this another " XXXX XXXX '' situation. Please advise.
Complaint sub-issue: Trouble with how payments are being handled

I have been contacting Discover about my student loan account since XX/XX/XXXX They had accounting issues on their end which offset my balance. Two people contacted me, as well as sent e-mails and letter saying I did not pay on my account ( which I did, and those reps ended up finding those payments and then adding to the confusion by saying I missed another months payment, which I then had to clear again as well ). I provided proof of payments multiple times. I have even paid more than the amount due most months, so my balance makes no sense to me. I have been requesting a detailed payment history be sent via mail to e-mail to me, and no one has done so. I believe my balance is wrong or I would have been contacted at least by phone. Now, these " missed '' payments have hit my credit report eve though I warned them of that as well. I have almost every e-mail or message I 've sent them, on top of the proof of payments I 've also had to send in more than once. I really ca n't have this. I can provide more documents to prove I 've been reaching out, please just let me know if you need me to get more. They typically respond with a generic e-mail.
Complaint sub-issue: Account information incorrect

I have a loan with HELM ASSOCS. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the repossession was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureau. There was definitely an error on their part. You are condoning illegal behavior and the bureau is willfully in violation of FCRA. REMOVE FROM MY REPORT IMMEDIATELY.
Complaint sub-issue: Information belongs to someone else

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report in violation of Federal Law. Equifax failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX XXXX, XXXX CARD XXXX, XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX, XXXX, I ; XXXX XXXX XXXX XXXX WY XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX GEORGIA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Complaint sub-issue: Received bad information about your loan

I 've been waiting 4 months for Fedloan Servicing to process my IBR Plan request. I 've now been forced to place a forbearance on my account due to their negligence. An Employee on the phone asked me to upload a new application. I just uploaded my new IBR Plan application to their site through my account. Let 's see if they process it or decline with another XXXX excuse.
Complaint sub-issue: Their investigation did not fix an error on your report

I had a collection account with XXXX I settled it and it wasnt updated I disputed the information and XXXX  said the debt was verified. And I submitted the letter I received showing it was settled.
Complaint sub-issue: Their investigation did not fix an error on your report

I was going over my report because I am looking to buy a house and I noticed some errors. I have since been stricken with XXXX XXXX, have missed work and my hair is falling out due to stress caused by this false information on my credit report.
Complaint sub-issue: Reporting company used your report improperly

they ssold my debt without my consent. now another company has a hold on my personal information, and now reporting incorrect information.
Complaint sub-issue: Debt is not yours

A false debt collection was reported to the credit bureaus of a debt ( {$1600.00} ) that I have never owed, and am unaware of! It states this debt was opened in XX/XX/XXXX, and closed in XX/XX/XXXX. This is completely false and fraudulent! 


Creditor Information ASSET RECOVERY PLUS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX It states the original creditor was XXXX XXXX XXXX. I am furious.
Complaint sub-issue: Problem with statement of dispute

I received a judgment against in from XXXX XXXX Bank in XX/XX/XXXX. I paid the judgment in XX/XX/XXXX ; However, before payment was made it was agreed the judgement would be vacated. Equifax continues to report this even after I disputed with them. Also, Equifax states in their correcpsondence to me dated XXXX XXXX, XXXX that XXXX account would be deleted ; but it remains on my credit report. Also, I disputed the XXXX XXXX account as inaccurate. XXXX sold the alleged debt and it ended in hands of XXXX XXXX XXXX who never answer my Debt Validation letters and subsequently agreed to remove all references to this alleged debt. See CFBP case # XXXX.
Complaint sub-issue: Information belongs to someone else

I discovered XXXX XXXX on my credit report on XX/XX/XXXX. According to the credit report, the account with XXXX XXXX has been opened since XX/XX/XXXX. 
I have never received notification by mail that I owed this debt. 
On XX/XX/XXXX, I was told by a XXXX XXXX representative that the original debtor is XXXX XXXX XXXX which was opened on XX/XX/XXXX. I requested back-up paperwork to see if it is my debt. As of XX/XX/XXXX, I have not received the back-up paperwork. 
I checked my bank statement for the date of XX/XX/XXXX and I show no deposit by XXXX XXXX XXXXXXXX. 
In XX/XX/XXXX, I moved to West Virginia. I researched the XXXX XXXX   XXXX website and discovered you must go to a store to get your money. The nearest store is in Ohio. I did not go to a XXXX XXXX XXXX store.