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

I have a credit card with XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30 day late account posting errors. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX  reporting me 30 days late in XXXX and XXXX of 2016. There was an error on their part. I was never late.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

remove fraudulent / unauthorized inquiry from XXXX on XX/XX/2023 off my credit report or provide proof in writing within 30 days.
Complaint sub-issue: Was not notified of investigation status or results

Equifax, XXXX, and XXXX violated the law by allowing the following 3 items below to be re-added to my credit report after they were removed without sending me proper notification. These items successfully removed, as of XX/XX/2017, but were re-added. 
The items are as follows : XXXX XXXX-XXXX XXXX {$670.00} XXXX  XXXX-XXXX XXXX  {$580.00} XXXX  XXXX-XXXX XXXX- {$530.00} In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA.
Complaint sub-issue: Account status incorrect

Multiple missed payments were reported for my XXXX account across all 16 of my student loans while I was in forbearance. Ive asked XXXX to provide proof of the forbearance terms and they were unable to furnish that communication. They stated that the forbearance was verbal via phone and the representative I was working with likely entered something into their system incorrectly. I also received no communication before or during the months of XXXX, XXXX and XXXX when these accounts were reported as delinquent.
Complaint sub-issue: Account status incorrect

XXXX # XXXX is reporting a collection account that I should not owe to my credit. This was for a set of furniture I never received and now they are trying to collect on it. I do not owe this, I never received the furniture this was for and I should not owe money on something I did not get. This needs to be deleted off of my credit.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act 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 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 XXXX XXXX XXXX XXXX XXXX  has validated my rights. 

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

15. U.S.C. 1681 Section 604 A Section 2 : it also states a consumer repotting agency can not furnish an account without my written
Complaint sub-issue: Debt was result of identity theft

I was incarcerated when the account was open I sent them evidence of this
Complaint sub-issue: Old information reappears or never goes away

All 3 credit reporting agencies are keeping closed account information on my report, one as far back as 2012.
Complaint sub-issue: Information belongs to someone else

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} ; XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Updated 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: Didn't receive notice of right to dispute

I have no knowledge of this account, and am unsure of the debt. I have not received a notification to initiate a dispute for this information, 809 ( a ) of the Fair Debt Collection Practices Act. Under 809 ( a ) ( 3 ) of the act, I know that the 30 days starts upon receipt of notification to dispute. However, I have not even received the information, regardless of when it was mailed out, and it is affecting my credit report. I want this information to dispute the debt, and receive validation of this supposed debt that I have no knowledge of.
Complaint sub-issue: Information belongs to someone else

FCRA VIOLATIONS : NOT MINE XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX Phone number not available Auto Loan XXXX XXXX XXXX XXXX XXXX ) XXXX Collection XXXX XXXX XXXX XXXX XXXX, TX XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Collection XXXX XXXX XXXX XXXX Phone number not available Collection XXXX XXXX XXXX XXXX Phone number not available Collection XXXX XXXXXXXX XXXX ( XXXX ) XXXX Debt Buyer U.S. DEPARTMENT OF EDUCATION XXXX XXXX ) XXXX Education U.S. DEPARTMENT OF EDUCATION XXXX XXXX ) XXXX Education U.S. DEPARTMENT OF EDUCATION ( XXXX ) XXXX Education U.S. DEPARTMENT OF EDUCATION ( XXXX ) XXXX Education U.S. DEPARTMENT OF EDUCATION XXXX XXXX ) XXXX Education U.S. DEPARTMENT OF EDUCATION ( XXXX ) XXXX Education U.S. DEPARTMENT OF EDUCATION ( XXXX ) XXXX Education U.S. DEPARTMENT OF EDUCATION ( XXXX ) XXXX Education
Complaint sub-issue: Overdrafts and overdraft fees

ON XX/XX/XXXX I GOT CHARGED {$36.00} TWICE FOR OVERDRAFT FEES ON XX/XX/XXXX I GOT CHARGED 4 TIMES FOR {$36.00} FOR OVERDRAFT FEES ON XX/XX/XXXX I GOT CHARGED ANOTHER {$36.00} ON XX/XX/XXXX I GOT CHARGED OVERDRAFT FEE FOR $ XXXX DUE TO GOING A COUPLE DOLLARS OVER ON XX/XX/XXXX I GOT CHARGED {$36.00} 3 TIMES FOR OVERDRAFT FEES ON XX/XX/XXXX I GOT CHARGED {$36.00} FOR ANOTHER OVERDRAFT FEE. I AS WELL ONLY HAVE A DEBIT CARD NO CHECKS OR ANYTHING THAT WOULD HAVE TO WAIT TO GO THROUGH FOR THE EXTRA FEES. I HAVE BEEN CHARGED FOR THE ONE TIME {$360.00} FROM OVERDRAFT FEES. 
I HAVE RECENTLY MADE A 2 HOUR TRIP TO XXXX IOWA TO TRY AND WORK SOMETHING OUT AND DISCUSS MY SITUATION AND MY OPTIONS. THE GENTELMAN SAID HE WOULD PUT IN THE COMPUTER THAT WE SPOKE AND LATER COME TO FIND OUT HE DIDNT AND AS WELL 3 TIMES A DAY US BANK WOULD CALL ON MY BALANCE. I HAVE A MEETING IN XXXX IOWA ON XX/XX/2019 AT THE US BANK TO DISCUSS MY OPTIONS AGAIN AND AS WELL OVER AN HOUR DRIVE. I HAVE EMAILED US BANK AND CALLED MANY TIMES AND EVERYONE HAS TOLD ME SOMETHING DIFFERENT. I HAVE ASKED ABOUT IF US BANK OFFERS HARDSHIP AND NEVER GOT DIRECTLY A YES OR A NO. IM ASKING ABOUT THAT BECAUSE FOR ALMOST 6 MONTHS I CAN NOT WORK DUE TO FINDING OUT I HAVE A XXXX XXXX WHICH THAN HAD TO FILE FOR XXXX. I HAVE OFFERED PROVE IF NEED BE TO SHOW MY HARDSHIP AND EXPLAIN THAT IT WILL BE SO HARD TO CATCH UP WITH SO MANY FEES AND WANTED TO SEE IF THEY COULD FREEZE MY ACCOUNT OR MAKE IT WHERE I COULDNT HAVE ANYMORE FEES ADDED.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : 1 XXXX  Date of inquiry XX/XX/XXXX
Complaint sub-issue: Problem with customer service

In XX/XX/XXXX, I was advised by XXXX XXXX that I had completed 58/120 loan payments for the Public Service Loan Forgiveness ( PSLF ) program. This was upsetting because my calculations indicated that I had completed 85/120 loan payments. 

On XX/XX/XXXX, I called XXXX XXXX and spoke with XXXX ( # XXXX ) and requested a PSLF Review Payment Tracker ( " Payment Tracker '' ). I was advised it would take a minimum of 90 days. 

On XX/XX/XXXX, I called XXXX XXXX and spoke with XXXX ( XXXX ) to check on the status of the Payment Tracker review. I was advised it is now taking six months. 

On XX/XX/XXXX, I called XXXX XXXX and spoke with XXXX ( XXXX ) to check on the status of the Payment Tracker review. I was advised that they submitted my original review ( XX/XX/XXXX ) to an email folder and requested that it be expedited. Furthermore, XXXX advised me that it appeared that the processor forgot about my original request. During this call, I also requested that XXXX XXXX REMOVE the improperly credited service with the Department of Forestry they had RANDOMLY credited me with. I was advised that request was granted and completed immediately. 

On XX/XX/XXXX, I called FedLoan Servicing and spoke with XXXX ( XXXX ) to check on the status of the Payment Tracker review. I was advised it would be completed in 15 days. I asked to speak with a supervisor. 
I spoke with XXXX ( XXXX ). She advised me that my Payment Tracker request was not processed last year and now they are using a new system as of XX/XX/XXXX. Therefore, the review take six months. 

On XX/XX/XXXX, TWO YEARS after my original phone call, I spoke with XXXX ( XXXX ) and his supervisor XXXX ( XXXX ). I was advised they had not completed the payment tracker review, and they really had no timeline as to when it would be completed. XXXX advised me it would " get done when it gets done. '' Such utter and gross incompetence in the federal government is infuriating.
Complaint sub-issue: Company closed your account

I was issued a valid credit card by Citibank and had consistently paid my monthly payments to vis -- vis automatic withdrawal and in most cases paid more than the required amount. Due to an error by Citibank during the month of XXXX they did not deduct the automatic withdrawal and I contacted them by phone a few days later inquiring why. The customer service representative I spoke to asked if I would like to make the payment then and I said yes and did make it. Well my minimum payment due was {$59.00} a month I had increased it to {$100.00} by automatic withdrawal. 
The following week from that conversation I received a written notice indicating my account had been closed due to late payment which was approximately three days. 
I immediately contacted customer service during the month of XXXX and the representative advised the account would remain closed. So at that time I requested my automatic withdrawal payments be closed and I would be paying by check so there is no longer any errors on the part of Citibank. On Wednesday, XX/XX/XXXX when checking my bank account I noticed Citibank withdrew {$100.00} which was not authorized. 
I immediately contacted Citibank customer service and the representative reviewing my account indicated that it stated I had requested automatic withdrawal be closed along with my account however it apparently was not. 
I then requested they reinstate my {$100.00} payment that was taken in properly as I was now using a law firm to pay my payments and had already sent them the amount. 
The representative advised me she would not be able to reinstate the {$100.00} and must send it to a committee to review which would take XXXX hours. 
At XXXX hrs. on Thursday, XX/XX/XXXX realizing Citibank had not reimbursed my account I contacted a customer representative in the dispute department and explained that my money was improperly deducted and I wanted to be reinstated. 
I was told to hold which I did and a few minutes later the representative returned and stated something that I could not understand and hung up. 
This leaves me as a wreath retired veteran from the XXXX XXXX XXXX XXXX XXXX living alone receiving only Social Security with {$100.00} to feed my cat, service dog and myself for the rest of the month of XXXX since I was currently out of food. 
I'm not certain how but it appears somehow Citibank blocked my ability to contact them again.
Complaint sub-issue: Account status incorrect

Credit Bureaus are reporting incorrect balance, payment amount, account status, and payment history to XXXX, XXXX and XXXX. Incorrect information was disputed via letter sent certified mail to credit bureaus. 
Letter mailed to XXXX XX/XX/2022 tracking # XXXX Letter mailed to XXXX XX/XX/2022 tracking # XXXX XXXX disputed online XX/XX/2022 confirmation # XXXX The dispute advised payment information was updated but is still reporting incorrect account status, payment history, payment amount and account status.
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX IS VIOLATING MY RIGHTS AS A CONSUMER. I HAD MY ACCOUNT BREACHED DURING THE EQUIFAX BREACH AND THIS ALLEGED DEBT IS ON MY CREDIT REPORT/FILE. THEY NOT ONLY ALLOW THIS IDENTITY THEFT ON MY CREDIT REPORT. 


This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am Hurt to find out that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. The following account is not mine. 
XXXX XXXX XXXX Account XXXX XXXX Please remove it from my credit report. 


I respectfully request to be provided proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Complaint sub-issue: Other problem

I received XXXX emails about a credit line increase with XXXX XXXX citi bank credit card that I did not make or authorize
Complaint sub-issue: Information belongs to someone else

Whom It May Concern, I have sent multiple dispute letters in regards to the following unauthorized Hard inquiries found on my credit report. These are fraudulent and need to be removed from my credit report. According to FCRA these should be removed As soon as possible. 
Equifax XXXX XX/XX/XXXX XXXX Equifax XXXX XXXX  XX/XX/XXXX Equifax
Complaint sub-issue: Reporting company used your report improperly

I am submitting an official complaint about Equifax. They have been delinquent in their responsibilities to protect my financial information. I have come to learn that time after time they have ignored attacks on their systems and choose instead profit over installing electronic protection of my data. In addition, the executives of this firm have profited on this negligence by selling stock, once they learned of the massive breach and before the information went public. I have no control as to these credit reporting companies obtaining my sensitive information and the lack of security they use to protect it. Consumers need more protection. The executives of Equifax must be prosecuted. They are no better, actually they are worse, than the criminals that stole my sensitive information.
Complaint sub-issue: Information belongs to someone else

I have disputed these accounts because they are all inaccurate, incomplete and unverifiable. After 30 days of waiting, all the credit bureaus completed their investigation and all came to say that these accounts were verified. 

in my request, I demanded documentation to verify these accounts, but none of them provided any type of documents. Under the 609 FCRA, credit bureaus are required to have the original consumer contracts, which they did not provide. 

Moreover, all the 3 credit bureaus verified these accounts to be correct but when looking at these accounts, they are all reporting differently. For example Equifax confirm an account which was opened on XX/XX/2013 and XXXX  would also verify the same account to be accurate but the account shows it was opened on XX/XX/2013. 

The same account is showing late on Equifax, but on time with XXXX. Who is right and who is wrong? 

If an investigation was conducted, I need the names of people they spoke to, their phone numbers, the time and dates, also I need the original consumer contract bearing my signature that they all have on file. 

This is my last attempt to try to resolve this amicably. I need these accounts immediately removed from my credit report without any wait. 

My next step will be a lawsuit if this is not fixed immediately.
Complaint sub-issue: Didn't receive notice of right to dispute

Did not receive a notice to dispute within 30 days
Complaint sub-issue: Didn't receive services that were advertised

After their huge credit breach, exposing all of my personal information, I used the links on their confusing website to set up their free credit monitoring service as advertised on their site and the national news to protect their customers from THEIR credit breach. I followed all steps and instructions and still have not received anything from any type of credit monitoring services, so my personal information remains unprotected because of their lack of security. Now I am exposed to anything and anyone who wants to use my credit.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act, 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 1681 section 604 A : it also state a consumer reporting agency can not furnish a account without my written instruction. 
15 U.S.C. 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.
Complaint sub-issue: Not disclosed as an attempt to collect

I 've received XXXX calls from people at IC System named XXXX and XXXX, and in both cases, I was asked to verify who I am and my address. But when I asked who was calling and why, they would only tell me that they were with IC Systems and that they were calling about a " business matter. '' When I asked what the " business matter '' was about, they refused to tell me more until I verified my address. They both became increasingly indignant, and contunined to refuse to tell me what kind of company they were calling from and why they were calling. Not once did they mention that they were calling to collect on a debt. In XXXX case, I told the caller that not disclosing what the call was about was illegal, and the caller, XXXX, claimed that it was legal, saying that my information was already public and they just needed to verify it before disclosing why they were calling. It was only after I looked up IC System that I learned they were a debt collection agency.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Fraudulent charges from XXXX were made on my Citibank Sears Gold Mastercard. These {$14.00} charges began occurring in XXXX of 2018 and were turned into Citibank 's fraud investigation department. Three fraudulent XXXX charges of {$14.00} were made on this account totaling {$42.00}. It took about six months and numerous calls to finally learn that these charges had been deemed fraudulent and all associated interest and fees were to be removed from the account. Each time I called Citibank, I was assured the charges would be removed and the account would be cleared. However, the account has continued to accrue late fees and interest charges. After about 10 months, all charges and fees remained on my account and Citibank took steps to turn the charges they had deemed as fraudulent over to a collection agency. During my most recent call to Citibank I was informed that they could not make sense of the charges and would have to send the issue back to the investigations department for further review. It has been over a year and this issue is now in the hands of a collection agency and is negatively affecting my credit score.