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

The payment history information reported is incorrect. I've continued each credit bureau and the creditor, XXXX XXXX XXXX. 

XXXX states in the comments state in the comments Paid was past due 30 days 2 or 3 times Then they show in the payment history only 1 late payment ( XX/XX/XXXX ) That's incorrect information XXXX state in the comments state in the comments Paid or paying as agreed Then show 1 late payment XX/XX/XXXX That's incorrect information Equifax state in the comments Pays account as agreed Then show 1 late payment XX/XX/XXXX That's incorrect information Payment history is 35 % of the credit score. And all ( 3 ) of the reporting agencies and inconsistent, inaccurate information. All of them are extremely hurting my credit score with incorrect payment history information reporting. 

I've sent multiple letters to all ( 3 ) credit bureaus They all updated to state paid as agreed with no late payments Then went back and started changing the late payment dates which cause even more issues as I was in the middle of the home buying process.
Complaint sub-issue: Their investigation did not fix an error on your report

These accounts should NOT be reporting on my credit file, as the medical center was instructed to bill my insurance carrier before these accounts were falsely placed in collections. There are also duplicate accounts reporting on my credit file ( See below ), which is causing severe damage to my credit worthiness and is preventing me from accessing new lines of credit. These accounts are injurious to my credit, I have sent in 2 separate re-investigation requests to Equifax for the following inaccurate accounts : Account Name : XXXX XXXX XXXX XXXX Account # XXXX Balance - {$150.00} ( Non-compliant reporting ) Account Name : XXXX XXXX XXXX  - Account # XXXX Balance - {$110.00} ( Non-compliant reporting ) ( Duplicate ) Account Name : XXXX XXXX XXXX  - Account # XXXX Balance - {$110.00} ( Non-compliant reporting ) ( Duplicate ) The first re-investigation was started on XX/XX/2022 and was completed on XX/XX/2022 ( 10 days ) and the second re-investigation was started on XX/XX/2022 and was completed on XX/XX/2022 ( 14 days ). On both occasions, the above-referenced accounts have come back as " verified. '' I have requested the method of procedures be sent to me ( via us mail ) explaining the procedures used to verify these accounts and to date, Equifax has ignored my requests, which is my right under the FCRA. XXXX XXXX XXXX has also failed to provide me a notice of debt, prior to inserting these alleged accounts onto my credit report which is a violation of my consumer rights. I was not provided the opportunity to request validation of these alleged debts. I have disputed these alleged accounts with Equifax, as well as the collection agency, and both parties continue to verify this alleged debt without properly investigating, which is violation of the FDCPA and FCRA.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

I had a buyer for my motor-coach and I requested a 10 day payoff. As ofXX/XX/2021 the amount was {$150000.00}. OnXX/XX/2021 the motor-coach was sold and the payoff was completed. Since there was a loan payment done right before the sale, an overage was created in the amount of {$2400.00}. I called Bank of the West numerous, numerous times to find out when the overage would be refunded to me. Bank of the West assured me that within the week a check would be coming to me. I never received that check. I sent a certified demand letter on XXXX with no results. Numerous more calls were made. I called and spoke with a representative who said the check must be lost and will issue a new check and send it out.I A few days later I received a check and deposited it, only to discover that Bank of the West had a stop payment on that check.I recruited help from my bank, XXXX XXXX  - XXXX, Texas branch to resolve the matter to no avail. My bank Rep. XXXX XXXX called Bank of the West and spoke with an agent that assured us that a check would go out the next morning. Needless to say, I have never received a check. This entire process started XX/XX/2021 and it is now XX/XX/2021. If needed, we have letters of documentation supporting all of the above facts. Bank of the West has never disputed that the overage is owed and the amount owed is {$2400.00}.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2023 I received an email from XXXX XXXX notifying me about a new hard inquiry. The inquiry was from US Bank and I did not authorized this. Someone is using my social security number and this person is trying to open credit cards. I called the bank but it was too late to speak with the right department ( I called after XXXX ). However, the bank representative provided me with the right department phone number. I am going to call them on Monday since they are close over the weekend. This situation has put me in high alert since someone had try to open a credit card account with another bank ( XXXX ). I have put an alert on my XXXX account and I filled a report on XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have several inquiries on my credit report that I did not authorize. I have always wondered how someone could get access to my credit report and now I know. Equifax has confirmed that I was XXXX of the people affected by the XXXX and now someone out there has my credit information. I would like for them to delete these unauthorized inquiries ASAP. 

XXXX Inquiries XXXX : XXXX XXXX Inquiry : XX/XX/XXXX -  XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX BANK XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX Inquiry : XX/XX/XXXX + XXXX Inquiry : XX/XX/XXXX + XXXX XXXX DEALER XXXX Inquiry : XX/XX/XXXX + Auto Financing XX/XX/XXXX XX/XX/XXXX Inquiry : XX/XX/XXXX + Auto Financing XX/XX/XXXX XX/XX/XXXX Inquiry : XX/XX/XXXX + XX/XX/XXXX XX/XX/XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing XX/XX/XXXX XX/XX/XXXXInquiry : XX/XX/XXXX + Auto Financing XX/XX/XXXX XX/XX/XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX Loans XXXX. 
XXXX Inquiry : XX/XX/XXXX + Complete Dept. XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX  XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX DEALER XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX DEALER XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX Unions XXXX Inquiry :XX/XX/XXXX + Complete Dept. Stores US XXXX Inquiry : XX/XX/XXXX + All Banks ASSOCIATED CREDIT XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Credit Unions XXXX Inquiry : XX/XX/XXXX +
Complaint sub-issue: Debt is not yours

THE IC SYSTEMS IS TRYING TO COLLECT A DEBT I DO NOT OWE. XXXX. 
THEY MAY AS WELL STOP WASTING THEIR TIME CALLING HERE BECAUSE I WILL NEVER ANSWER THE PHONE IF I DO NOT RECOGNIZE THE NUMBER OR IF IT'S NOT A PERSONAL ACQUAINTANCE OF MINE. SORRY SCAMMERS!!!!!!!!!!!
Complaint sub-issue: Company closed your account

Hello, Discover credit has randomly decided to close my account without providing any proof as to why. I have submitted all the required documents they asked for, along with also getting approved for the card just a few months ago. This is completely unfair and this choice of " randomness '' will negatively affect my credit score. I'm not able to dispute this directly with them, which has lead me here. I am looking forward to receiving a resolution for this. 

- XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2022 I contacted XXXX and started a dispute to correct my personal information. I also started a dispute regarding incorrect information being reported on my consumer file. It is now XXXX and none of the request to remove the incorrect information has been corrected. In fact after speaking to a representative I was told that the information I disputed was certified as correct. I will attach copies of my report prior to the dispute, an updated report according to XXXX and my current report I just pulled a few days ago. You will see that the report came back as updated and certified however the information remains the same with no updated information.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act The following inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

On  XXXX   XXXX ,    2017  I sent a letter disputing multiple accounts to equifax and asking for written verification of account. They responded sending me a letter stating verified without sending me any written proof. I then resent additional letter stating I had not gotten any proof via certified mail and fax also on  XXXX   XXXX . They again resent a letter stating verified and to contact the reporting agencies to dispute myself. They have failed to respond to two requests now to research and delete inaccurate accounts on my credit report. These accounts do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in one day?     I Followed up with a phone call today  XXXX   XXXX  and they told me the disputes were verified and when I asked about what verification they received, the rep said they do not have to provide consumers any verification.
Complaint sub-issue: Non-sufficient funds and associated fees

I started a complaint with XXXX XXXX due to somebody stealing my money twice now the first time that it happened they were very quick about it but now that it happened again it is taking longer I don't know what's the difference that it was quicker the first time and not the second time but somebody has stolen my XX/XX/XXXX social security check of XXXX and I want it back now either XXXX XXXX can handle this or something because it happened out of state in XXXX and I live in XXXX XXXX XXXX, XXXX XXXX. how am I going to get from XXXX XXXX XXXX to XXXX just to use the ATM and pull out my own money I just don't understand I want this issue solved.. now they haven't done it again thank God but the fraud and identity theft thing has got to go people should just get a job and leave other people 's money alone and stop stealing they should do like in the old times and have their hands cut off.
Complaint sub-issue: Trouble with how payments are handled

I have been paying on my student loan for over a year and continue to have billing issues. Every time I call the customer service line to ask for help or to see what options I have, they can never seem to help me. They are rude and do n't listen to anything I have to say. They state that I have XXXX loans and XXXX are due on 1 day and the last is due on a different date. They will not help in consolidating them, they will not offer a lower payment option, and just say my account is not able to do so. I ca n't ever seem to get ahead no matter how hard I try. I will submit the payment and rather than applying to the XXXX loans that are due, they disperse as they please which makes one of the other loans delinquent or behind. Their customer service is horrible and do not want to help at all with payment options through their customer support line. I spoke to employee XXXX and she stated they could consolidate and gave me instructions how to do so. I called back 20 minutes later for assistance and a different employee stated there was nothing that could be done and I could n't consolidate the loans or get a lower payment plan and to call back in 2-3 weeks. It ridiculous. I try to pay but yet they keep screwing me over.
Complaint sub-issue: Confusing or misleading advertising about the credit card

This is NOT a duplicate complaint. This complaint relates to Citibank 's actions within the past seven days. I do not owe Citibank any money. Citibank has repeatedly harassed me over the past eight years, resulting in my filing of multiple federal lawsuits, and arbitration cases through XXXX and XXXX. Last year, Citibank 's attorney, XXXX XXXX, assured me that Citibank would stop contacting me. Yet, the contact continues. Despite my repeated requests, Citibank continues to access my personal credit report and send me credit card offers they know are not " firm offer ( s ) of credit '' as that term is defined by the Fair Credit Reporting Act. On XXXX XXXX, 2017, I filed a CFPB complaint concerning Citibank 's repeated access of my credit report, and their sending of credit card offers to me. Citibank responded to the complaint by mailing me another credit card offer which I received in the mail today.
Complaint sub-issue: Information belongs to someone else

These Items have been inquired without my permission. 

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
Complaint sub-issue: Debt was result of identity theft

CRA VIOLATION NO KNOWLEDGE INACCURATE COLLECTION ACCOUNT FROM XXXX XXXX XXXX/ XXXX  XXXX XXXX AMOUNT FOR {$700.00} APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Complaint sub-issue: Attempted to collect wrong amount

Once more I come to this agency with the attempt to solve this issue but appears nobody cares! That's the main reason why people get abused, cheated and extorted. But it is my right to dispute a debt I definitely don't own I will exercise my rights to the very end to clean up my name and credit. On XX/XX/2020 I was feeling really bad at night with certain symptoms that for me appeared to be XXXX. At that time everyone was scared and with a lot of misinformation related to the XXXX. I went to the emergency of XXXX XXXX seeking help because that was the first good urgent care facility close to me that came to my mind. Them I immediately reported that if i needed to pay for the services I had no insurance at the time. The assistant told me that I have not to concern about it because assistance related to XXXX would be covered by the govern. They made a series of exams and, prescribed a fogging session and dispatched me home. Thanks XXXX was not XXXX and the following day I woke up better. I couple of weeks later I received a bill from the Hospital requesting payment for the services. I immediately called the financial department and after explaining the situation they told me the bill would be taken care of and I had nothing to be concern. Them I realized they sold the collection to other companies and did not have done once more what they told me. This is outrageous, immoral and anti-ethical, especially when taking advantage of people when they are in a very fragile moment. That's really not fair and that's the reason I insist and dispute this unfair practice that for sure is not only from them, but the great majority of the Medical system. Their main concern should be saving lives.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX account XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2. States a Consumer Reporting Agency can not furnish a account without my written instructions.
Complaint sub-issue: Fee problem

On XX/XX/22, I opened a checking account at U.S. Bank. For the first couple of months, my maintenance fee was waived in accordance with my account agreement ; however, on XX/XX/22, I was charged a maintenance fee that was not waived, but received no notification. U.S. Bank continued to charge me a maintenance fee despite never notifying me that it would no longer be waived. In total, the fees amounted to {$76.00} over the past year.
Complaint sub-issue: Account terms and changes

I have a monitoring service and ca n't access my credit file. I was asked several times to send in documents verying my identity and I have done so several times. I have spoken to several depts at least 3-4 times a week for the last 3 1/2 weeks about my file and all I get is the run around. I asked to be credited for the product I am paying for and they wont grant the credit. I am frustrated by Equifax 's bad customer service and poor practices along with refusing to remove incorrect and erroneous information on my file which can has been verified in the form of an investigation demanded by me from the original creditors. If these matters are not remedied within the next 5 days I will preparing to take legal action against Equifax and the original creditors.
Complaint sub-issue: Received bad information about your loan

In summer XXXX I filed for an income-based payment plan ( my Loans were w/ XXXX at that time ) and was told that I would have a $ XXXX monthly payment. I also filed for the Public Service Loan Forgiveness program and as part of that application, my loans were then transferred to XXXX XXXX. Throughout late XXXX XXXX I made $ XXXX/month payments ( despite being on a {$0.00} income-based plan ). In XXXX XXXX I started to receive odd bills saying that I had owed $ 800- {$900.00}. Since I am a resident with a tight budget, I called about this major increase in bills. I was then told that I needed to go in to forbearance if I could n't afford this. As a result, ~ {$4000.00} interest capitalized on my student loans. I then filed a complaint with Federal Student Aid, as a I felt that my payments had been incorrectly calculated and I had been unnecessarily forced in to forbearance. It took nearly 60-days to receive a response ( to be fair, their site says it may take this amount of time ), and they found numerous errors in my account. I was told that in order to fix they issues they would have to de-convert my loans back to XXXX and then convert them back to XXXX XXXX with the correct payment info. That has occurred, for the most part. However, as a result of that process, my income-based payment plan has fallen off and for the past 2 months I have had to make payments of ~ {$2500.00} ( that is 89 % of my monthly income! ). I have been told that the only option I have is to cancel my direct debit and just " not make the monthly payments ''. I have not done that due to not wanting to default on my loans and I also do n't want to file for forbearance and have additional interest become capitalized. Furthermore, during this conversion/deconversion process multiple loans installments have been marked as delinquent and are now on my credit report.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

XXXX Stated on XXXX  XX/XX/2021. A guy saids its pass the XXXX and my payment was returned by them on XX/XX/2021. I want the information deleted and a copy of the time barred letter promise. No letter still.
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future  information until further notice including the XXXXReport and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I have unknown or fraudulent addresses, appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX, XXXX , PA XXXX-XXXX,XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX-XXXX ,XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX-XXXX,XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX-XXXX. This 2nd tempt to remove the items and requesting a freeze.
Complaint sub-issue: Account information incorrect

I have called these companies and told them about the inaccurate information on my credit report and nothing have been done I will like for the information to be fixed I have also sent out letter to these credit report agencies and their has not been nothing done with in the 30 day time limit of the letter which is violation of the FCRA dates that i have reached out have been XX/XX/2017 and no actions have been made to complete the accurate information
Complaint sub-issue: Information belongs to someone else

When I received the letter from IC Systems, I called the number provided and I was met with a message saying that this company is not taking my calls. This is a debt from XXXX  that I've been disputing and filed a claim back in XXXX from another collection company tryin to collect on this. This company is also reporting incorrect time of debit as well as reporting this as new. This was placed in collection back in XXXX of XXXX and IC Systems is reporting this as XX/XX/XXXX as being a new debit. XXXX keeps passing this along when I dispute this claim and this company is falsely reporting this as a new debit. 

Below is when this was first on my account and I filed a claim on this company Date Reported : XXXX XXXX, XXXX Collection Agency SOURCE XXXX XXXX, Original Creditor Name XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$2000.00} Amount {$2000.00} Status Date XXXX XXXX, XXXX Status UNPAID Balance Date XXXX XXXX, XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification CABLE_OR_CELLULAR Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact SOURCE XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency SOURCE XXXX XXXX, Original Creditor Name XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$2000.00} Amount {$2000.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification CABLE_OR_CELLULAR Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES REINVESTIGATION IN PROGRESS Contact SOURCE XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX
Complaint sub-issue: Was not notified of investigation status or results

I sent letters out certified over 60 days ago and more than once. I didnt get notified of my results from the disputes and as a consumer i feel like these clowns taking advantage of normal people.
Complaint sub-issue: Personal information incorrect

I have sent letters repeatedly to Equifax, XXXX  and XXXX  requesting to remove inaccurate addresses from my credit report. 

Equifax has these addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Experian has these addresses : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, TN XXXX Transunion has these addresses : XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I have sent requests with my utility bill attached on where I live and I keep getting stall letters from the credit bureaus and no disputes taking place, I need these addresses removed from all three credit bureaus they do not belong to me.