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

I had a credit card account with my credit union ( XXXX XXXX XXXX XXXX ) opened in XX/XX/XXXX which they transferred to another lender as of XX/XX/XXXX ( XXXX XXXX - Cardmember Services ) .XXXX XXXX XXXX XXXX is misreporting the date account was opened, date account was closed, payment history and date of original delinquency. Based on original date of delinquency this should be out of the statute of limitations for reporting in my state at the end of XX/XX/XXXX. I have disputed with all XXXX bureaus and repeatedly disputed directly with XXXX XXXX - XXXX XXXX. I provided copies of several months of statements to support my position, copies of correspondence, and copies of FTC opinion letters to get them to correct the entries on XXXX, Equifax, and XXXX. I have received multiple responses claiming my request was frivolous or in error and that they will not correct this matter. I am including the statements, correspondence, and other supporting documentation showing original delinquency XX/XX/XXXX from the original creditor ( statements ). 

I was told that I had to create separate complaints for each bureau the information is being reported to incorrectly. I had my previous complaint assigned to XXXX. This complaint is specific for information reported to Equifax on behalf of this matter of XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I initially emailed XXXX  and XXXX, a basic dispute letter asking them to verify that the information on my credit report was reporting accurately. XXXX  responded with a generic response saying that it was updated. I disputed the account with IC systems, debt collector involved. IC systems responded that they will no longer be collecting on the account, and that they will ask the reporting bureaus to delete the information. XXXX   had this account as a duplicate, they deleted one and left the other, Although I provided them with the letter from IC System. XXXX   responded twice with Updated. How can they update an account was they was told from the debt collector to DELETE. I sent XXXX another dispute along with the letters, pointing out FCRA VIOLATIONS and another copy of the letter sent from IC sytames, saying for the bureaus to delete the tradeline. XXXX  responded again saying that the account was updated. I called XXXX  and spoke with a customer service rep. who told me that would open another dispute. They sent information saying they could not located my file in their database. I have enclosed all information below. I am seeking counsel for the violations in questions. Both XXXX  have IC under a DIFFERENT ACCOUNT than the account number IC system sent. However the account number is WRONG as well.
Complaint sub-issue: Information belongs to someone else

This is my third request that maybe use as proof in a court of law, for you to remove inaccurate information in my report due to identity theft. You have stated that the public records belong to me but you have as a third party reporting agencies you have to have physical evidence in order to list this account in my credit, I'm a litigious consumer an I intent to enforce my right My information had been breach in recent and pass data breaches, accounts, inquiries, public records had been placed on my credit report. An FTC complaint has been filed with all this fraudulent items that do not belong to me, Section 609 A 1 A, state that you must have physical verification of any items reported on a consumer credit file.please remove all this items from my credit report. These event has prevented me from getting finance as well as a better job to better my life.
Complaint sub-issue: Account information incorrect

I had fraudulent charges on my credit card after I lost my card. I reported the loss to the Bank by phone and in writing. I did everything required of me pursuant to the Federal Fair Credit Billing Act, and I request that the Bank do the same. It took constant calls to the Bank to investigate the matter. I requested that they produce all the signature receipts to prove the purchases where mine. The Bank finally produced some of the documentation, but not all. The documentation they did produce proved to me that the purchases were not made by me. I communicated these facts to the Bank but the Bank continues to claim that I owe the money. They have to date never produced all the documentation. The Bank 's resolution to the problem was to charge off the amount and report negative information on my credit report.The Bank 's action has prevented me from gaining credit from other sources and is totally contrary to the provisions in the Federal Fair Credit Billing Act. Their action has negatively marked my credit worthiness and reputation.
Complaint sub-issue: Investigation took more than 30 days

I have filed a complaint more than 30 days once again I 've been disputing inaccurate information for almost 5 months and still have n't received any verification from credit bureau or companies, under the fair credit act they have 30 days to respond or it should be deleted off my report acceptance now, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX accounts are reporting charge off these accounts are no longer accountable the debt was sold and written of on taxes therefore u can no longer come after the person, and XXXX XXXX never was I late, I also have mutilple hard inquiries that were added back to my account I have not applied for any loans or credit card so please remove all non account holding over 30 days old this is about my third complain yet not to mention have n't received any information or verification
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX I contacted the credit bureaus to dispute all non-account holding inquiries from my reports. The Credit bureaus never responded or corrected these issues. Innacurate inquiries are being reported on my credit reports and is disrupting my credit worthiness.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act US BANKRUPTCY COURT CA LA ACCOUNT # XXXX & ACCOUNT # XXXX, have 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: Problem during payment process

My debit card information keeps being handed out to SEZZLE payment services each month. they go over my head and contact XXXX and XXXX services hands out my new bebit card information without my consent. They is a reoccurring problem thats happened 3 times to me. My information is not safe and XXXX is willing sharing my information with merchants without my consent.
Complaint sub-issue: Personal information incorrect

XXXX, XXXX and Equifax are erroneously reporting false addresses names and social security numbers on my credit report. I have filed a request with the 3 bureaus and provided them with my drivers license, social security card and proof of residency and requested to have this inaccurate information removed immediately. XXXX, XXXX  and Equifax have failed to remove these items and is in violation of the fair credit reporting act. The information that must be removed is as follows Address Ive never lived at : 1. XXXX XXXX XXXX XXXX XXXX UT XXXX 2. XXXX XXXX   XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX 4. XXXX XXXX XXXX XXXX  XXXX, UT XXXX 5. XXXX XXXX XXXX XXXX  XXXX XXXX, UT XXXX 6. XXXX XXXX XXXX XXXX XXXX, UT XXXX I request these address and every variation of these addresses be removed from my report. I have never lived at any of these addresses. I DO NOT KNOW OF THESE ADDRESS. 
SSN that are not mine that show on my report 1. XXXX 2. XXXX I request these SSN numbers be removed from my report Phone numbers that have never been mine. 
1. XXXX XXXX. XXXX XXXX. XXXX I request these phone numbers be removed. 
Spouse Name : 1. XXXX This person is not my spouse. I request this name be removed from my file. I do not know this person. 
Names : 1. XXXX XXXX is not my name. I request this name be removed from my report.
Complaint sub-issue: Reporting company used your report improperly

I had a student loan for over 7 years and for over 7 years I have NEVER SEEN MY REPORT WITH 16 OUTSTANDING LATE PAYMENTS because I always handle whatever the company needed from me before tax time. Now the debt has been closed and given to the government to pay I asked several times, trough a goodwill letter to remove the bad remarks from my profile and stop reporting the account inaccurately and wrongfully. The account has been closed since XXXX of XXXX but the reports of bad payment started XXXX of XXXX up until now XXXX of XXXX that's 14 late payments wrongfully on my report. Please remove this I have closed the debt to move and this is putting even more hardship on me during the pandemic
Complaint sub-issue: Personal information

I have been working since XX/XX/XXXX for XXXX XXXX XXXX. My.credit report states that.I Have not worked since XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPENT THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX XXXX. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Billing problem

Ally Financial is reporting that I was eight times over 30 days late on my account.by my records I was one first time late over 30 days on XXXX XXXX other 7 times I was not late.i file a dispute with them over 3 months and all I get is they need more time to research my account. Also.Ally was reporting to the credit bureaus my balance with them was XXXX .when it really was XXXXthis is greatly affecting my quality of life.i have applied for credit and have been turndown.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Complaint sub-issue: Trouble with how payments are being handled

I think it is Very unfair that I am not able to apply EXTRA payments to my principle balance. I emailed asking how I can do this and this is the emailed response : Dear  XXXX  : Thank you for contacting   XXXX   XXXX  .         The interest on your loa  n ( s ) is calculated using the daily simple interest method. Your interest accrues at a daily rate based on the principal balance and interest rate of your loan ( s ). Each payment will be applied the same. First, it will be applied to any interest that has accrued since the last payment, and then it will be applied to principle.
We do allow due dates to advance one month. We can place a note on your account that will prevent additional payments from advancing th  e due date. If you would like this applied to your account, please respond with this request.         We appreciate the opportunity to serve you as a valued customer. If you have any other questions, please respond to this e-mail or visit our website at  XXXX .         Sincerely,  XXXX   XXXX  Customer Service This should be illegal. How come I am not able to apply towards JUST the principle on top of my monthly balance that goes to interest and principle. I should have that option.
Complaint sub-issue: Information belongs to someone else

These are not my accounts, unauthorized inquiries, nor did I live at these addresses.
Complaint sub-issue: Their investigation did not fix an error on your report

I summited 609 dispute letters certified Mail with two forms of identification asking for validation documentation on this debt ( XXXX XXXX ) asking for original contact with wet signature to verify this debt the bureaus responded with there investigations response they reach out to a third party agency to verify information that it was validated when law clearly states I need information verify this debt in Mail documents not by email and not just they response its complete and no proof of anything!
Complaint sub-issue: Trouble with how payments are being handled

XX/XX/XXXX - approved for Income based repayment -- payment is much lower than I 've ever paid, but my family size and income have remained the same XX/XX/XXXX - called to make sure IBR payment amount is correct ; account rep said my family size was incorrectly input as 6. Account rep says I need to resubmit my IBR application with correct family size.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I verified with all three reporting agencies my address, name, and that this XXXX XXXX was NOT mine. XXXX removed it on my XX/XX/XXXX credit report as well as 3 closed accounts from XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX because they were all paid off at 100 % in good standing. I sent copies of the payoffs and even my lease showing that the XXXX account was at a location at which I never lived. I was also a victim of the Equifax data breach. All of these things have been verified over and over. I am literally losing my patience.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # 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 instruction.
Complaint sub-issue: Having problems with customer service

I have reached out to AES on more than one occasion. At the start of my college career in 2004 at XXXX years old, I was unaware of the ability to apply for a loan through my universities financial aid department and what a federal or private loan was. I had several loans which regardless of circumstance would need to start repayment within 4 years or shortly after, even if still a full-time student. I had been paying on these loans with few issues for quite some time. My husband had health issues and was out of work for over half a year at the time I first contacted AES. I tried to put the loans on forbearance, and was only offered a temporary slightly lower payment amount on some of the loans managed by them. This had to be done with a payment of good faith during my conversation by phone. Financial circumstances got worse, but paid when I could. Due to all household payments hitting my own account as my husband was out of work, a couple of my monthly payments after that did n't clear. This past fall I tried to review amounts and set up a payment online when I realized I no longer had account access. I called AES to discuss the situation, and was informed by a lady that it was due to an issue with a couple payments I had made. I expressed my concern with her that my online access has always been the method used for my payments particularly since several different private student loans are listed on that single online account. She reassured me that since this was the first time this had happened, that I would be able to write and/or email the company to regain my online access. I faxed a letter to AES and received nothing in return based on the information she gave me by phone, and I also emailed more recently about the situation and got an email back stating that my online access was terminated due to my issues with payments. Due to this situation, this has caused one or more loans to go into default because due to the various loans under the same AES account with various due dates, I have been overwhelmed with various AES bills which I am unaware of which is which and what standing they are in and what needs to be taken care of first. Some loans I have tried to discuss with AES, I have been told that they collect payments on but I need to actually speak with XXXX or whomever they originated from. All I want to do is regain my account access for ease of payment and understanding of my various loans under my single servicer and/or find out which loans and what my options are to get out of default on the loans that this happened to. Please help me work this out. I am not asking for any kind of loan forgiveness, just asking for the ability to understand and pay back with ease all of my loans through AES.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased an airline ticket with Citi credit card in XX/XX/2020 for a XX/XX/2020 trip. The trip was cancelled by airline company and I filed a dispute with Citi in XXXX. Citi rep advised me that though it is not fraud but due to the high dollar amount, he treat it as fraud dispute. As a result he cancelled my original card, issued a new card, and give me a temporary credit. In XXXX, the credit was taken back and the reason was that I authorized the transaction thus not fraud charge. When I called back after many attempts ( the calls are often dropped due to bad connection, which it seems that many citi reps working from home with no proper equipment ), I was told that the dispute should have be opened under regular dispute and they opened a regular dispute for me. I called again many times in between and was told to wait. In XXXX my case got closed and the reason was simply too much time has passed. I reopened the case and got closed again despite I provided airlines email stating airline has given full refund. Many times during my call, my calls get dropped. Different reps gave me different answers. It seems no one is investigating my case and fighting on customers behalf. Some reps stated they work from home and have very bad phone connection and internet connection and can not open screens. I filed quite a few complaints with Citibank but my complaints were not addressed. One rep even told me I can file as many complaints as I want and it is formality. No actions were taken. On XX/XX/XXXX, the travel agency responded and stated they issued refund on that day. I forwarded citi the emails. When I called back, I was told they do not see the refund. The travel agency rep even got on a conference call with me with citi and provided acquirer reference number, but still no action is taken from citi. Until today XXXX XX/XX/2020 XXXX, I still have not received my refund. 



My case has been mishandled by Citibank in a few important steps. Citibank 's gross negligence directly contributed my financial loss. This experience has also greatly costed me time and distress. 

1 ) My case was originally being handled in the wrong dispute category ( regular vs fraud ) 2 ) The reps are lacking proper trainings and equipment to perform their tasks. Many times, there are extensive waiting time on the call, and when the calls are finally through, the calls get dropped ( 1/3 of the calls had this issue ) or the connections are so bad you can not hear them or their internet speed is so slow they can not open the screen. 

3 ) No proper investigation. For example after the dispute was properly opened under regular dispute as advised by Citibank, my case was cancelled with no detail and simply stated " time has passed ''. Travel agency has clearly indicated the fund was returned and provided acquirer ID, but although I have urged a few times, no one from citi is looking into the acquirer ID to find the fund for me. 


Please help to review the case. I have documents as needed.
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

On XX/XX/2021 I attempted to purchase a pair of pants from a store while on vacation. The pants were never sent to me, thus I contacted my bank Citibank given that it was purchase via my debit card. 

Citibank first placed the funds back into my account, but sent me a letter requesting more information which I sent BOTH via fax and via USPS mail. They reverted the charges claiming that they did not obtain the letter, which they did obtain given that they responded to me via mail. 

Thus, I have been over {$250.00} for a materials that I have not received and they are not wanting to help me resolve the issue. As a bank they have failed to protect my money, and their customer service has failed their customer. 

I want this resolved as soon as possible! 

Sincerely, XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I observe a break-down/inaccurate process in Equifax 's procedures. They report that information on my credit-report as " factual ''. When in fact, Equifax has been requested to remove the entry from the " factual '' party. I believe Equifax 's authenticity process to be inadequate and ineffective.     I have  attached two documents : 1 )   XXXX  's confirmation informing Equifax of the unauthorized inquiry.  2 ) Eq uifax 's notice they have no record of  XXXX  's communication.  <P/> This same process with   XXXX   and Experian resulted in the accurate removal of  XXXX  's entry on my credit-reports.
Complaint sub-issue: Information belongs to someone else

The information showing below is falsely reporting on my credit. 

1 ) XXXX/XXXX XXXX Acct # XXXX -- - {$350.00} 2 ) XXXX XXXX XXXX Amount {$3200.00} I complained to the FTC. My FTC Complaint Report # XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

Now this account originally was with XXXX XXXX XXXX which was disputed in writing and then on this website which was removed and deleted. Which I have proof for {$120.00} back in 2019. Now I recieved a letter for the same amount for the samething but from a different collection agency. Now you are in several violations of the Fair Credit Reporting Act as well as HIPPA violations.
Complaint sub-issue: Debt is not yours

The ERC company ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX ) sent me a mail to collect a debt I didn't owe to XXXX XXXX XXXX company on XX/XX/2019. The amount due is {$180.00}. 
I or any of my family have never use any XXXX XXXX XXXX products. 
I sent a dispute mail to them on XX/XX/2019 and waiting for their response.