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

Discover is reporting erroneous lates on my credit file. These lates are from the month of XX/XX/20 I was experiencing hardship during COVID and received a few lates throughout that time that I was experiencing hardship. This was really damaging to my credit. I had high credit limits and all those were all brought down. So not only did my credit utilization skyrocket but with the lates my credit took a huge loss. I am asking that you to please remove the reported lates during the pandemic. I was in contact with you and let you know I was experiencing hardship. Under the federal mandate, CARES ACT, you can not report lates during the pandemic. I have been a long time customer and if you review my file you will see the only time I was late was during this troubling time.
Complaint sub-issue: Their investigation did not fix an error on your report

I had applied for a credit card recently, and I was declined credit because I was informed that they had found a negative record on my Equifax credit report from XXXX XXXX. I had taken insurance from XXXX XXXX for 12+ years, but since they kept increasing their rates, I moved to a different provider. Because I did not renew with them, they reported me to collections for non-payment of renewal premium, who in turn reported me to the credit reporting agency. How can a company even do that? If I have not taken your service, I have not paid you - that is how it works. 

So, I open a dispute with Equifax and they tell me that they can not do anything. They will report whatever a collections company sends them. What is the purpose of disputing then, if they just blindly report whatever is sent to them? When I called in, the rep was extremely unhelpful and I asked to speak to a supervisor, he said that one was not available. 
If there is such irresponsibility towards customers, how can consumers credit health be determined by refutable and unverified data maintained by such a company? If as a customer I am saying that I should not be responsible for the payment and clearly giving the reason why, then there should be some investigation rather than just checking with the collection company who reported the transaction in the first place? Of course, they will be told that the txn is valid. So, I am not supposed to switch insurance carriers, lest my credit history is tainted. What kind of logic is this?
Complaint sub-issue: Their investigation did not fix an error on your report

I purchased a rug from Macys.com on XX/XX/XXXX using my Macys credit card. In XX/XX/XXXX I received my first statement and the minimum payment was {$27.00}. I paid the {$27.00} over the phone using the Macys automated payment system on XX/XX/XXXX. I received a confirmation number. My XX/XX/XXXX statement arrived and it stated, XX/XX/XXXX PAYMENT THANK YOU with a {$27.00} credit. I missed the payment date of XX/XX/XXXX. I received my XX/XX/XXXX statement and it had additional late charges and a minimum payment amount of {$99.00}. I assumed that this was because I was late in XX/XX/XXXX. I paid the {$99.00} on XX/XX/XXXX. Around this time I attempted to refinance my home and learned that Macys had reported a late payment. I re-examined my XX/XX/XXXX statement and discovered that I was two months past due. It said that my payment from XX/XX/XXXX, the pay-by-phone check, had been returned on XX/XX/XXXX, and this did not appear anywhere on my XX/XX/XXXX statement. I contacted Macys customer service to see what had happened. They told me that my XX/XX/XXXX payment had been returned. They said they would remove the late charges as a courtesy. I thanked them but stated I wanted the late payment removed from my credit report. I was connected to the credit department where they informed me I had entered my account number incorrectly in XX/XX/XXXX and that it took until XX/XX/XXXX to report to me that the payment had been rejected. But in the meantime my account had become delinquent and was reported and there was nothing they could do. I called Macys executive customer service and spoke to XXXX XXXX. I stated my case again and she told me that Macys was not in error and that there was nothing she could do. I had entered my account number incorrectly. I explained to her that the automated system only reads back the last four digits of the account number for verification ( and those four digits were correct ). I stated this was a flaw in their system and she said that it was for privacy purposes and that it was still my responsibility to make sure it is accurate and that Macys was not in error. I made a good faith attempt to pay Macys in a timely manner in XX/XX/XXXX using their phone payment system. I received a confirmation number ; an XX/XX/XXXX statement verifying my payment had been received, yet on XX/XX/XXXX I was reported to the credit bureaus as being 30 days late. They were aware on XX/XX/XXXX that my payment was not accepted and I should have been notified on my XX/XX/XXXX statement. After examining the facts I think Macys is clearly in error. I  simply request that this derogatory mark be removed from my credit report. I ask for any assistance you maybe able to provide in resolving this matter.
Complaint sub-issue: Account status

I requested proof of debt. XXXX could not provide my signature or any other proof the debt was mine. I filed a dispute with Equifax and with CFPB. The collection account was removed from my report as a result of no proof of accuracy. XXXX reported the same *incorrect* collection account to Equifax *again* just this month and it is now listed inaccurately on my report. I respectfully request the inaccurate account be permanently removed from my credit report and XXXX cease and desist immediately.
Complaint sub-issue: Trouble with how payments are being handled

I co-singed on a Sallie Mae loan for my son while he was attending XXXX University. He has struggled to find a job after XXXX and we were allowed to set up his loan on a loan modification program. Payments were set up on a direct debit out of his account. After 4 or 5 months the direct debits stopped. After calling and inquiring why this was the case we were informed that they had removed him from the program because " he was enrolled in school. '' He has never been enrolled in school after XXXX. For the last 6 - 8 months I have been calling Sallie Mae and fighting to reinstate his loan modification. Each time I all I am assured that he is still in the program, they do n't understand what happened, they need to research the problem, and someone will call me back. This never happens. Sallie Mae has a record of all of my phone calls and they know exactly what is going on yet they refuse to honor their commitment and follow through on the loan modification program they set up. This is affecting my credit and my sons.
Complaint sub-issue: Was not notified of investigation status or results

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to Equifax on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless!
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

There were 2 charges on my direct express card from XXXX, one on XXXX and one on XX/XX/XXXX, both for the amount of XXXX. I called and spoke to direct express to dispute the charges and was told a packet would arrive in 3-5 days. Nine days later i recieved the dispute form and faxed it back immediately. I called to make sure that the information was received an was advised that it had been and that my claim had been denied for " general reasons ''. When I spoke to XXXX they told me that the card was being used by someone named XXXX XXXX and that I needed to cancel the card because they could not block it from being used again. The business that took my money knows that it wasn't me because the name on the account didn't match the name on the card, but the rude lady at direct express touted that " a very extensive investigation with lots of research '' was performed. When asked what was used to back up the denial she had no answer. She then began to repeat the decision is final over and over when i requested to speak to supervisor.
Complaint sub-issue: Their investigation did not fix an error on your report

On  XXXX / XXXX / XXXX , I submitted a request to Equifax requesting the method of verification for  XXXX   XXXX  Account  XXXX . Equifax has reported now  XXXX  times that this account has been verified. As it is in my rights to request for them to provide me with the method in which they verified this account. In addition, this account had been reported on my credit profile in multiple manners and has changed multiple times. I am thoroughly confused as to how an account that shows opened in  XXXX  with a company in bankruptcy. My request to Equifax again was to provide me with the method of verification not for them to re-investigate as their documentation shows
Complaint sub-issue: Company closed your account

I got a prepaid Credit Card from First Progress Bank in XXXX I was charged a I deposited {$500.00} and was charged a {$49.00} annual fee a week was deducted from the initial deposit. Their was always an issued when it came to using the card each time I had to get authorization. My monthly payment of {$80.00} was deducted from the balanced but I still had to make a payment each month. in XXXX I was charged a {$40.00} late fee after the {$80.00} was taken from my balance if I was charged {$10.00} to pay with a debit card or send in mail which takes 2 weeks. I called in on XX/XX/2021 and ask that the account be closed and was told if I closed the account it would take up to 10 weeks from them to refund my balance. I told her to leave the account open so that I could spend the money. I was charged the {$40.00} late fee. I told account representative that I pay the {$80.00} he said it would take one say after the payment was received to restore the credit card. I the payment on XXXX XXXX. The funds were cleared my on XXXX XXXX. On XX/XX/2021 I went to used the card and it did not working. When I returned and check the mail, their was a letter from First Progress Bank letting me know th account cancelled. I called Costumer Service and to no matter who go to and file a compliant I was going have to wait 10 weeks every to get my deposit. he could not explain to me why it takes 10 weeks when I didnot have any issues with the account, no pending charges because I was unable to access the card for the pass 2 months I told him I want my money within 7 days
Complaint sub-issue: Problem with fees

I am writing this letter in the hopes that you will help me with this unfair and overwhelming Situation that I find myself in. I believe now that these original credit card balance was paid off I have been paying this Citibank credit card, original account # XXXX since XX/XX/XXXX. Almost 10 years later. Citibank still want to keep charging the same amount by Citibank was illegal and violated my rights as a consumer & my civil rights. I will list Below some of the issues and facts that are the most obvious and reference which laws were violated By them. 1. Predatory credit card Lending : 1 a. Flipping and charging interest so my balance never go down and still the same over 10 years : The practice of encouraging customers to frequently refinance balances and loans solely for the purpose of earning loan-related fees : 1 loan and balance 2 flipped loans and balance with fees and very high interest rollovers. On XX/XX/XXXX,  XX/XX/XXXX and XX/XX/XXXX. 1 b. Risky loan terms and structures : The practice of making loans with terms or structures that make it more difficult or impossible for borrowers to reduce their indebtedness. Citibank Cycle of Debt : Citibank used illegal debt collection tactics to create a false sense of urgency to lure overdue borrowers into debt traps. They would encourage overdue borrowers to temporarily pay off their loans and then quickly re-borrow from them again. Even after conveying to them that I could not afford to repay the balance, Citibank would continue to pressure me into taking on more debt only making me paying mimimun balances for 10 years but the balance never goes down. I would pay new fees each time they took out another balaance from them. I am sure you will find that Citibank created a false sense of urgency to get delinquent borrowers to take out more balances in the credit card is abusive. Abusive Acts or Practices : Section 1031 ( d ) ( 2 ) ( B ) of the CFPA ifit takes " unreasonable advantage of ... the inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or Service. '' 12 U.S.C. 553 l ( d ) ( 2 ) ( B ). Citibank has engaged in unfair, deceptive, and abusive practices in connection with its collection of credit card loans in violation of the Consumer Financial Protection Act of2010 ( CFPA ), 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( l ) ( B ). Citibank want to transfer that to debt collector company Cavalry the amount of {$10000.00}. Citibank balance account a total of {$10000.00} after paying for 10 years minimum of {$150.00} payments, it never went down and I paid back to Citibank around {$18000.00} in 10 years, almost {$10000.00} more! and they want other {$10000.00} more!
Complaint sub-issue: Account information incorrect

XXXX is showing the following inaccuracies Account Status : Derogatory for all XXXX bureaus Account shows the high balance spent is {$300.00} of a {$3000.00} credit spending where I was never late. 
Last Reported dates are not consistent XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX Equifax - XX/XX/XXXX Comments needs to be removes on all credit reporting agency XXXX is reporting- this account was part of a XXXX XXXX ; wage earner plan account - never been apart of any bankruptcy. 

XXXX is reporting -This account was never purchase by another lender There was never an Unpaid balance reported as a loss by credit grantor. 
This debt was never included in any in or discharged through XXXX  XXXX XXXX. 

Equifax is reporting- Account never involved in XXXX XXXX debt adj. 
Account never was transferred or sold Never Included in XXXX XXXX Dates with last activity is all different for all three credit bureaus. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX - XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

Dear Equifax : I had previously disputed XXXX as a fraudulent account and it was deleted months ago. Today I get an update that my credit score plunged 82 points and this XXXX student loan account appeared again on my report. I am suspecting you are not in compliance with federal law to prevent re-appearance of previuolsy disputed information. 
I have been trying to contact Equifax by phone and can not access my report online. I already disputed that information on the CFPB portal and it was deleted and it was placed back on this month. 

The account name is XXXX, please remove this account or I will seek legal remedies under the law.
Complaint sub-issue: Account information incorrect

XXXX is reporting a debt from a company XXXX XXXX XXXX and that debt has been paid in full.
Complaint sub-issue: Debt is not yours

All of a sudden i receive a bill from this collector, I then see that this fraudulent collection is on my credit report. It makes me ill that these predatory collectors are attempting to scam people especially during these trying times. I demand that they immediately erase this false debt and remove it from my credit! They should be ashamed! 
I tried to contact them with no answer.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX, XXXX AND EQUIFAX is Reporting unknown Enquiries on my Credit Report. when I call they are Refusing to Delete it.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

I.C. SYSTEM has unlawfully attached my Credit File, I.C. SYSTEM has not been awarded a Judgement of Default by any U.S. Court concerning this matter, I.C.  SYSTEM has been advised that XXXX  XXXX under the guise of Extortion is an unacceptable Business Model, I.C. SYSTEM removed their initial filing from from XXXX, XXXX  and XXXX  in order to extend the 7 year expiration date and now is seeking to attach each Credit File individually to continue to unlawfully destroy the Credit File and cause financial hardships in the form of increased premium 's and higher interest rates.

I.C. SYSTEM is engaged in unscrupulously business practices, which run counter to Public Policy.
Complaint sub-issue: Information belongs to someone else

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.
Complaint sub-issue: Account status incorrect

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX XXXX  XXXX XXXX  # XXXX account is reporting 30, DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX is falsely reported, opened XX/XX/2017, amount XXXX
Complaint sub-issue: Information belongs to someone else

This is my XXXX 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX, MD XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$860.00} ; XXXX XXXX Balance : {$1000.00} ;
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Bankruptcy in XXXX  in WI as part of divorce. Moved out of state. Attorney amended bankruptcy at hearing to include utilities. Utilities marked " closed '' on all of my credit reports with a XXXX balance. I did not receive a bill. Attorney told me everything was taken care of. 
Received a letter from L.J. Ross Associates, INC in XX/XX/XXXX. An attempt to collect a debt for XXXX XXXX in WI for {$250.00}. If I did not respond in 30 days they would assume the debt is valid and place a judgement against me for the debt. I called L.J.Ross and was told that it was from XXXX. I should call XXXX XXXX about the debt. 
I called XXXX XXXX and they could not give me a meter reading or dates of service for this debt. The agent told me that they did not accept the amendment to the bankruptcy. Agent also said the bill was larger and they reduced it. I asked why it was 4 years old and was told they sent it to another agency and had recently changed to L.J. Ross who were more aggressive. I stated I have never received a bill before they sent it to any collections. Agent also told me it was out of their hands and I should again call L.J. Ross.

It has been over 4 years without any notification or communication about this debt.

I am told to call the utility company by the collection agency and told to call the collection agency by the Utility company. 
XX/XX/XXXX the collection agency shows up on my credit report.
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX XXXX, first contacted XXXX XXXX approximately on or about XXXX XXXX about an error on my credit report regarding an Auto loan. Despite repeated attempts, I have been unable to get them to rectify the situation. As a result, my credit score has been adversely affected. I did not give XXXX XXXX permission to run a credit check. I have not authorized this organization to access my credit report. This is a definite violation of my privacy rights. 

Additionally, I do not have an account with XXXX XXXX. XXXX alleged that I owe ( {$8400.00} ) That account does not belong to me. XXXX XXXX 's failure to provide original documents of the agreement in question has called the validity of the agreement into questionable. I tried to dispute it with ALL three credit bureaus, but I wasn't successful. This caused many delays towards my future endeavors regarding the future of my credit score. 

Three Credit Bureaus : Equifax Information Services ( Letter was sent three times ) No results XXXX XXXX XXXX ( Letter was sent three times ) No results XXXX ( Letter was sent three times ) No results XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter to Equifax on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Complaint sub-issue: Account status

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EQUIFAX fails to remove the XXXX XXXX account information. EQUIFAX reports incorrectly the account CREDIT LIMIT is {$4000.00}. EQUIFAX reports incorrectly the SCHEDULED PAYMENT AMOUNT is {$130.00}. EQUIFAX reports incorrectly the Date of First Delinquency is different from the Date of First Delinquency from the other CRA 's for removal. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On multiple occasions I have contacted that of TrueAccord related to such debt they claim that I owe. They claim to be licensed but they refused to provide me requested material and I discovered that TrueAccord is not reporting to my credit report. It is unethical for a licensed professional, or business, or collection agency, not to report their attempts and involvement to collect a debt.
Complaint sub-issue: Old information reappears or never goes away

Old account keep being added to my credit report with different dates each time, this time it shows that is was 2018 when this is not true.