Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

Equfax has not allowed me to continue to submit disputes and has prevented accurate information and/or removal of an account that does not belong to me. 

I sent a copy of the court documents showing this was an invalid collection account and they still continue to report the information.
Complaint sub-issue: Account status incorrect

Equifax is reporting a collection account that is not mine. XXXX XXXX. I have submitted information validating such and it still being reported on my credit report.
Complaint sub-issue: Transaction was not authorized

My phone was stolen on XX/XX/2021. The person that stole my phone transferred {$4800.00} from my Cash app account into another account under the name XXXX. I reported my phone stolen through XXXX XXXX, which is my phone carrier. I also filed a police report giving them all the information needed, including the person who stole my phone and money. I contacted Cash app and told them what happened and that I did not authorize those transactions. They responded by telling me that the money was transferred from a known device and they have no evidence that it was done fraudulently. I have tried to contact them numerous times and no one will help me.
Complaint sub-issue: Debt was result of identity theft

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

I recently received my consumer reports and noticed some hard inquires that were not authorized by me the consumer. Theses items are effecting me negatively and were not made by me the consumer.
Complaint sub-issue: Personal information incorrect

My name listed under Personal Information on my Equifax credit report is incorrect. I followed Equifax 's guidelines and sent a copy of my correct name documented by a copy of my Driver 's Licence, Social Secuirty Card, Utility bills. I have been unable to get my name corrected. The credit union that add XXXX to the end of my name indicated that they have made corrections. Nothing I have done has corrected the problem with Equifax.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name-XXXX XXXX XXXX Account XXXX XXXX Account Name- XXXX XXXX XXXX Account XXXX XXXX Account Name- XXXX XXXX  Account # XXXX Account Name- XXXX XXXX Account # XXXX Account Name- XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account Name- XXXX XXXX XXXX  XXXX Account # XXXX Account Name- XXXX XXXX Account XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c, ( a ) ( 5 ) Section States, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

XXXX checked my credit when I told their agent that my credit is locked. Somehow a letter came back to me saying I have to much credit. My question is why did equifax open a locked credit report and then come back to me and said improper use of your report. This time instead of running around the issue I want to know what equifax is going to do about it. I don't want to get into litigation but what use is it to have a locked report that anyone can use.
Complaint sub-issue: Account status incorrect

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below is a list of the disputed accounts. 
XXXX XXXX Balance Owed : {$3500.00}
Complaint sub-issue: Card was charged for something you did not purchase with the card

This is my second time to contact the CFPB over a disputed charge with my Citibank credit card. The first time I made a complaint with CFPB, it was because for months, I was disputing a charge of of {$1800.00} while Citi was investigating a totally different and unrelated charge and maintaining that the unrelated charge was valid. I messaged Citibank repeatedly, and it was as if they were not even reading my messages. I would get back form-letter emails saying some other unrelated charge was valid. Only after contacting the CFPB and getting assistance, did Citibank finally even address the actual charge I was disputing. 

That being said, addressed might be the wrong word. Again, it's as if they do not even read the messages I write to them. Their replies never address or acknowledge anything I have written them about. 

As it stands, I am being charged {$1800.00}. This charge ended up on my credit card on XX/XX/2019 when I visited XXXX XXXX XXXX in XXXX. Currently, Citibank claims the charge is valid because they have a " signed receipt. '' Additionally, they tell me the the card was physically present for the charge. 

I am attaching a copy of the " signed '' receipt provided to me by Citibank. The signature is not mine. It is an absolute forgery, just a bunch of squiggles at the top of the paper. Also, there are two sheets provided, and they seem to show different dates. This seems odd to me. I noted it too on the attached file. 

Citibank says that my card which has a chip on it was present for the charge. My best guess is that I was taken advantage of, perhaps by an employee or some person in on a scam, by running my actual card without my knowledge. I am certain that this is a scam of some sort by the fact that it is not my signature at the top of the receipt given to my by Citibank. 

I don't know what to do at this point. I have gone back and forth with Citibank for months, and their total incompetence at researching something wholly unrelated was only resolved after contacting CFPB. Now, Citi tells me the charge is valid and when I reply to Citi that the signature they provided is a forgery, they don't even acknowledge it. It is as if they are simply not even reading my messages. History has shown they surely do not. 

One more thing I find strange. As a matter of general practice, I checked my credit card online before leaving XXXX and saw no major pending purchases. It wasn't until I got home that I saw this charge appear, as if it were delayed on purpose.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX XXXX I sent Equifax a letter to investigate an account that they are reporting inaccurately. They did not investigate the account. So I sent a follow-up letter on XX/XX/2022. Still no response and no investigation. 

In XXXX I called the state of Colorado to find out how the were reporting this, they stated they are not reporting it due to it not being an active open account. They stated that no one has requested any information from them. 

This inaccurate, incomplete and outdated information is an FCRA Violation and they fact that it has been over 60 days and they have not even investigated this is a blatant disregard for the law. 

Ive included both letters that were sent to them and a copy of my credit report with the inaccurate information
Complaint sub-issue: Their investigation did not fix an error on your report

this orignal account was paid and agreed to be removed from my credit reports. when disputed with XXXX and XXXX,,, this account was removed from my account,,, however,,, equifax continued to continue reporting this as accurate information even though i had disputed correctly and given documents of proof.
Complaint sub-issue: Account information incorrect

In XXXX, in response to an ad for an Obama Administration program, I paid {$390.00} to private co. to refinance my student loans under public service loan forgiveness program, Income driven payments, to be recertified annually, paid in ten years. It was serviced by FEDLOAN Servicing. First year I paid {$29.00} mo. In XXXX I was to recertify. That recertification was a nightmare that was not completed until XX/XX/XXXX. I was somewhat late in XXXX due to emergency XXXX XXXX, but called to notify FedLoan and told okay, noted they would send docs and forebearance issued. I sent documentation over and over, it was refused, stalled until information became stale and refused again. I made repeated phone calls and emails to my Servicer. My employer called XXXX to verify accurate information already submitted and re-submitted. No two agents gave same information and my interest grew! In the interim, my credit was being destroyed. I contacted a DOE ombudsman and was advised to file a complaint with the FTC, which I did, but never heard more ; but did get IDR payment worked out and recertified in XX/XX/XXXX. I applied for a home loan in XX/XX/XXXX, only to learn that FEDLOAN Servicing had erroneously reported late payments for years for loans that were clearly in deferment or forebearance, and my original loan has now grown to more than {$140.00}. I produced letters to the lender showing forbearance, thus payments could not have been late, but until the information is removed from the Credit Bureaus, my home loan is denied with USDA. FEDLOAN SERVICING refused to remove it. Credit Bureaus refuse to remove it. I have disputed it with Bureaus to no avail. I have records and notes of this four-year recertification battle should you need anything further. TIME IS OF THE ESSENCE
Complaint sub-issue: Card was charged for something you did not purchase with the card

There were 3 x fraudulent transactions on my credit card. On XXXX XX/XX/2015 there were two amounts of XXXXaed taken from my Citi bak credit card. I have raised this fraudulent activity with the bank and they have not conducted investigations or refunded the money to me. I suspect these are fraudulent transactions.
Complaint sub-issue: Problem with fees charged

Account : XXXX www.keybank.com XXXX, OHIO USA Keybank is taking the interest rate 5.94 % on the outstanding balance each month any computing the Statement Interest incorrectly. They are computing the number of days incorrectly.

Finance people who financed the loan via key bank was for 54 payments of {$450.00} I make all the payments ahead of time and I should only be incurring about {$100.00} a month instead paying extra money for their creative ways of calculating number of billing daysl 1st pay statement on XX/XX/2019 is being charged 45 days at a compounded daily rate of 5.945 / 365 days = .000016274. They used start date of XX/XX/19 Problem 1 date range is from XX/XX/2019 to DUE date XX/XX/2019 ( 45 days ) Charging me on XX/XX/2019 for future dates? 
Also note : online in indicates loan did not start until New Loan XX/XX/XXXX 2nd pay statement on XX/XX/2019 is being charged 37 days Due Date XX/XX/2019 This is really BAD - Apparently it looks like they are using a date range of my last payment date of XX/XX/2019 to the future Due Date of XX/XX/2019 to come up with 37 days.

they already charge me for up to XX/XX/2019  in the 1st statement. DOUBLE CHARGING me an extra 6 days. 
3rd pay statement onXX/XX/2019 " SAME THING!!!!

38 days Due date XX/XX/2019 - They used date range of my last payment date of XX/XX/2019 to the future Due Date of XX/XX/2019 to come up with 38 days.

DOUBLE CHARGING me an extra 8 days. 
If there computer program is doing this to all their loans they are over charging customers that are paying as soon as they get the statement. 
With the size of KEYBANK this could be MANY MANY THOUSANDS OF DOLLARs that they are illegally charging consumers. 

See XXXX attachment, Copies PDF 's of statements and EMAILS from Keybank
Complaint sub-issue: Reporting company used your report improperly

This is all to do with the personal data leaked from Equifax, mid-XX/XX/XXXX through XX/XX/XXXX2017. I just found out about it and went to their poorly provided website ( http : //www.equifaxsecurity2017.com ), which asked me to provide most of my SSN to confirm if I am affected, which I am, along with 143 million others. I submitted a request to do a temporary 90 day freeze on my account through XXXX, because I have no confidence in Equifax. I still have to do this for the rest of my family. I work for a company that has to deal with PCI and HIPAA compliance and I do n't understand how a company that collects this much private information without consent can have such oversight and disregard for the rest of us.
Complaint sub-issue: Information belongs to someone else

" " '' I have disputed this collection XXXX XXXX XXXX XXXX   XXXX for months.XXXX and XXXX have Deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Complaint sub-issue: Funds not received from closed account

Citibank closed my account implying fraud activities, I spent more than a month trying to resolve the issue before theuly closed the account. I waited more than 20 days for the check with the remaining balance to arrive by mail and decided to call them for clarification. The representative told me they would provide a stop payment on that current check which I was told was sent on the XXXX of XXXX, and that they would send a new one. This was around the XXXX or XXXX of XXXX last week. Idecixed to call them up for clarification on this substitute check sent and like it has always been from the start, they made it really difficult to provide ANY information on the issue. All they provided was that the issue is under investigation and that they could not provide any further information. In other words, they completely ignored the fact that snother substitute check was sent ( or not ). I feel completely HELPLESS and that they are playing me and most likely other custumers as fools. I have over XXXX XXXX dolars from my hard work pay and have not seen a XXXX of it ever since. Considering how dificult it has been for people to overcome this current pandemic situation, this has affected me to a higher level.
Complaint sub-issue: Problem during payment process

I was first made aware of a " late payment '' via email in early XXXX of XXXX. I contacted Upgrade, and asked why is this happening because I'm enrolled in auto pay. I further found out, that the late payment amount was {$.00}. I was told by the representative, that this had to be an error on their end. I said " ok, but, how about you take the {$.00} just in case. '' I was told " NO! '' I then said, " take a XXXX, or XXXX or XXXX even, I don't care, I just don't want a late payment on my credit reports. '' I was assured that they would look into the matter. I finally received an email mid XXXX, stating that it was a mistake on their end and that, " I would be made whole. '' Now in mid XXXX, a late payment was reported to the credit bureaus for XXXX. This is now the third time they have made a report to the credit bureaus for the month of XXXX. Again, first, I am enrolled in auto pay and second, it's all over {$.00}. Last, I told them to take the money out of my account in the first place to avoid exactly this situation!
Complaint sub-issue: Reporting company used your report improperly

The Equifax security breach of XXXX has made my credit information public knowledge and I 'll most likely have to sign up for credit monitoring for the rest of my life. This is pretty much the worst possible scenario for me, a person who has spent a life time making sure my credit score is in good standing. Not only this, but they acted in bad faith to enrich their own people when they should have reported the issue to the public immediately.
Complaint sub-issue: Information belongs to someone else

I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Equifax is unable to help me remove this, CFPB please delete the accounts XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX
Complaint sub-issue: Trouble using the card to spend money in a store or online

We received XXXX XXXX XXXX  debit cards for XXXX XXXX and both of them have no money on them. These XXXX XXXX  debit cards reference the XXXX Each instance is outlined below for each card we received that we suspect fraud/theft on. 

Card number XXXX XXXX XXXX XXXX I opened the packaging for this card on XX/XX/XXXX and went to XXXX to see the balance of the card as this was the first time I was going to use it. The card balance was a {$1.00} which seemed odd for a balance of a card never used. I then went to the balance inquiry for the month of XX/XX/XXXX and it showed the card being loaded in XXXX NC XXXX on XX/XX/XXXX for {$150.00}. My wife 's sister lives in XXXX NC so this transaction makes sense. We live in XXXX Oregon at XXXX XXXX XXXX XXXX XXXX, OR XXXX. Then the transaction history shows a purchase of {$140.00} in XXXX XXXX CA XXXX which is a place I have never heard of or have been too. The transaction happened for a purchase at XXXX. This is clearly a scam in terms of hackers and we never received the benefit of the {$150.00} gift card. 

Card number XXXX XXXX XXXX XXXX I opened this card a month ago in XX/XX/XXXX and tried to use it in the store. This card was a {$100.00} XXXX XXXX  debit card. I have tried the card several times and tried to see the card balance on prepaidgiftbalance.com as instructed by the sticker on the card. I enter the card number to log in to their website and the website won't recognize the card. The card does not work and may have never worked as i suspect the card number was stolen during the holiday season of XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting incorrectly a collection in the amount of {$68.00} partial account number XXXX. ( Please see page 7 of the attached credit report. ) There is no contact information given for the collection agency ; no telephone number and no address. There is no way to show that this collection belongs to me. This is a Fair Credit Reporting Violation and this line item needs to be removed from my credit report. This negative reporting is harming my credit score.
Complaint sub-issue: Account status

XXXX of my student loan payment history is incorrect on all XXXX of my credit reports. It states I was 90 days late during the months of XXXX & XXXX when I had an active forbearance during these times. I submitted disputes via mail with all XXXX credit agencies 3 separate times since XXXX. Each envelop contained a dispute form with all XXXX student loan late payments errors listed, proof from XXXX confirming I had an active forbearance during XXXX & XXXX, & a copy of my drivers license. Conveniently, all documents were scanned except the proof from XXXX. They can not tell me what happened to that piece of paper, but they have the other items in the envelop. I am a single mother attempting to buy my first home and these errors are preventing me from being approved for a home loan. I do not have to money to pay an attorney to have these removed and I should n't have to, this is not my error. Please help me correct my credit report. Thank you!! P.S. I have proof if needed, but I did n't want to upload to this site since it stated not to disclose sensitive information.