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

On XX/XX/XXXX I called XXXX XXXX XXXX regarding my auto loan. There was incorrect information being reported to the credit bureaus. It showed that I was 30 days delinquent on my auto loan when I was not. I spoke to a representative and she acknowledged the incorrect reporting and stated she would be submitting a ticket to fix the reporting error. She indicated it would be resolved in three business days. 

It is now XX/XX/XXXX and the reporting has not changed. I called in again and the representative said that all they did was waive my late fee but no ticket was submitted to fix the incorrect negative reporting. They stated there was nothing they could do on their end to fix the issue and that the original representative had given me incorrect information.
Complaint sub-issue: Information belongs to someone else

Since XX/XX/XXXX I have been trying to work with following three companies to get account reported correctly to all three credit bureaus ; my pervious attempts have been without success on XX/XX/XXXX sent letters to CEO/President of company looking for resolution because these account are terrible hurting my credit file to my understanding these accounts were removed in their entirety. Upon reviewing my files XX/XX/XXXX I noticed that they are still here overtime I reach out to companies they update reported with more errors as recent as XX/XX/XXXX XXXX XXXX updated file from {$0.00} to {$86.00} then from account closed to open not more than 60 days late then changed it to closed charged off and my score took an XXXX point hit due to this misreporting. Not to mention the account was sent to a collection agency in which I did make a payment for deletion agreement with intent per discussion that all XXXX negative entries will be removed ( both XXXX XXXX credit card account and the collection with XXXX, XXXX which has not happen. Same situation with XXXX card occurred. Attached you will find documents sent to support dispute of inaccuracies which they seem to agree with I do my part and information is never correct by company or credit bureaus.
Complaint sub-issue: Debt was paid

I had an account with XXXX, which went overdue and they sent the debt out to a collection agency. This agency, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WA XXXX contacted me on XX/XX/XXXX. I paid them the amount of XXXX via single-entry ACH debit on that same date, XX/XX/XXXX. I received and still have the receipt for this payment. Since that time, 5 years ago, several other agencies have sent letters and contacted me in an attempt to collect this same debt from XXXX. When told I had already paid, and upon seeing proof, they would suggest I call XXXX and stated XXXX needed to take it off their records so the debt would not continue to be reported and sold to other collection agencies. I have repeatedly contacted XXXX to no avail. I just received a notice from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, which stated the debt was so old I could not be sued for it nor could it be reported to any credit agency, but they offered 2 options to resolve the amount of the debt ( which had been paid in XXXX ). I am beyond frustrated and confused how this single debt from XXXX could last this many years, being sent to different collection agencies, especially considering it has been paid. I would like this matter resolved immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX Equifax is reporting DEROGATORY which is inaccurate the following XXXX XXXX debt that should be reported to PAID as other two bureaus have reported incorrectly. 

I have already disputed with XXXX & Equifax multiple times over 4-6 months and still I do not have further information about the alleged debt listed below. 

I have a right to an accurate credit file and this type of inaccuracies is unacceptable. ( XXXX ) Account No. XXXX XXXX {$560.00} ( Equifax ) Account No. XXXX Amount {$400.00} THE TYPE OF INACCURACIES ARE UNACCEPTABLE AND I HAVE A RIGHT TO A ACCURATE CREDIT FILES
Complaint sub-issue: Threatened to sue you for very old debt

On XX/XX/2018 I received a phone call from " The XXXX XXXX '' in Nevada stating that I was going to be taken to court if I did not pay {$960.00} for a US Bank debt from XX/XX/XXXX that then went into default in XX/XX/XXXX. I have no idea what this is from. Regardless, I asked repeatedly on the phone for them to email me this information or to send it to my current address ( which they did not have ) via US mail. They refused and stated that I had 5 days to pay this or it would go into a XXXX XXXX and then I would owe {$1600.00} and then if I didn't pay that I would owe over {$3000.00} because it would then go to court. 

They stated twice that they tried to summon me at an address that I had had mail delivered to ( a friend lived there ) when I was younger and traveling. I have not had anything to do with that address for 15 years. 

If I owe the money, I will pay it. However, I want to see it in writing so that I can verify it. This XXXX XXXX refused to send me anything in writing.
Complaint sub-issue: Problem during payment process

On XX/XX/XXXX I made a {$1500.00} payment to my citi credit card. The {$1500.00} has been taken out of my checking account at XXXX and paid to citi bank for this account yet citi bank will not release the payment 2+ business days later and doesnt have anyone available to talk to about why this payment is not reflecting on my account. Ive had citi credit card since XX/XX/XXXX, only paid out of one checking account ( the same checking account since XX/XX/XXXX ) and they refuse to release the {$1500.00} in funds they already received from me!? On top of all that, Ive never once since XX/XX/XXXX not paid my account with citi due to insufficient funds. They are thiefs!
Complaint sub-issue: Account status incorrect

Equifax ; XXXX and XXXX are failing to report the following accounts are in fact In Dispute. XXXX partial account number XXXX ; XXXX XXXX partial account number XXXX ; and XXXX partial account number XXXX. Equifax is failing to report the following account is in fact In Dispute. OTHER COLLECTION AGENCIES partial account number XXXX. ( Please see pages attached from my credit report. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.
Complaint sub-issue: Information belongs to someone else

I've asked XXXX XXXX directly as well as TWO complaints via CFPB. The company is refusing to respond to complaints both to myself and CFPB!!! This has been for months. This is not mine. I need this taken off my credit report ASAP, please!!!
Complaint sub-issue: Their investigation did not fix an error on your report

My date of birth is wrong on Equifax credit report. I recently found out a care provider ( I am XXXX ) used my social with a different birthdate to open accounts. My mother did not know and had made payments on some of them. Now that we know we need the credit reports to show my correct date of birth and accts removed as well. I already submitted CFPB complaints and thru all XXXX burueas. XXXX is completely resolved, XXXX updated the date of birth but has changed it back a few times and Equifax is still wrong, correct birthday is XX/XX/2003
Complaint sub-issue: Old information reappears or never goes away

2 of the 3 Credit Bureaus ' will not remove accounts over 7 years old. I've asked both agencies 7 times to remove over 7 year old derogatory information. 1 have even changed an " open date '' on account to keep it just under 7 years. Reporting that account negatively when the account is 9 YEARS old. My Debt of EDU LOANS are 8+ years old and still reported. My student debt is also in line to be forgiven. All 3 are doing that to me. It's affecting my ability to obtain work, housing, transportation and several other life sustaining essentials negatively. I've written letters. I've disputed. I've called and I've begged for the removal and they REFUSE to completely remove from my report. I've been punished long enough. I now have TONS of good positive accounts. PLZ PLZ HELP ME. ITS NOT FAIR FOR THEM TO VIOLATE THE LAW AND GET AWAY WITH IT. ITS AFFECTING OBTAINING NECESSARY WORK AND HOUSING. I AM XXXX AS WELL. THAT ALONE MAKES MY IMMEDIATE NEEDS NOT BE MADE. PLZ PLZ HELP! Thank you kindly for your time.
Complaint sub-issue: Account status incorrect

On my Equifax Credit Report, a derogatory mark is listed for " XXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX '' for {$100.00}. This company has been trying to collect this " debt '' from me for years. I have not had a XXXX account since XX/XX/XXXX ; however, this debt is listed as being opened on XX/XX/XXXX. 

When I switched internet services in XX/XX/XXXX from XXXX to XXXX, a final bill was sent to me and I was to return the company 's equipment. I returned the equipment to one of their locations and paid my final bill at that time. I do not even have the checking account I used to pay for this final bill anymore as I closed that a few years ago. 

I have previously had this debt removed successfully from my credit report, and now it has magically shown back up as apparently a brand new debt. The debt should not be there at all, but it should certainly not, under any circumstances, be listed as having been opened in XX/XX/XXXX. That seems particularly fraudulent and as if XXXX is trying to get around the previous removal of the debt from my credit report.
Complaint sub-issue: Attempted to collect wrong amount

company first said i owed {$8500.00} have been making payment now company says my amount owed {$8000.00} with payments of {$3800.00} received yet i still owe {$4800.00} which equals {$8700.00} and is {$670.00} over the amount they say I owed. i also sent a payment of {$490.00} which i have not seen deducted from balance yet. is my money going to my debt and do they actually know the amount i owe the courts
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

This person was selling shoes on XXXX via direct message. I sent him two payments separately of {$130.00} on XX/XX/XXXX for each pair of shoes and shipping. Both pair never arrived and after communicating with him for four days, I was blocked from the page ; after doing my of research I found out that the page of the fraud and my money was taken. I have proof of the transaction, messages from him, and I have actual audio of me being scammed. 

On XX/XX/XXXX I contacted CashApp because I paid him through them with proof of communication and everything between us, and they're telling me that they can not reverse the payment or do anything about this. I'm wondering why is it OK for me to use them as a bank, for me to store my money with them and a payment processor, but they don't protect me. 

They became very condescending and aggressive with telling me no and then I was out of my money which I completely don't think it's fair.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$140.00} CHAPTER XXXX BANKRUPTCY-DISMISSED XXXX {$0.00}
Complaint sub-issue: Problem getting your free annual credit report

I ordered all 3credit reports for this year, I received 2 but did not get equifax wrote me that I had been sent my free report for this year, I called them twice and told them I had not received it. They are asking me to send them a bunch. Of stuff. I tried to get one last year same problem What do I do XXXX orXX/XX/2021
Complaint sub-issue: Account information incorrect

Demand sent to DELETE AND REMOVE Demand sent to DELETE AND REMOVE COMMENTS Demand sent to DELETE AND REMOVE INQUIRES Demand sent to DELETE AND REMOVE ACCOUNTS Demand sent to DELETE AND REMOVE UNAUTHORIZED INFORMATION Demand sent to DELETE AND REMOVE ALL NON PROVEN INFORMATION
Complaint sub-issue: Problem making or receiving payments

This bank is being run by some of the most unprofessional clueless idiotic folks ever. Calling them is like banging your head against a thick wall of stupidity. 

They have replaced their XXXX account fund transfer service with something that doesn't work at all. I had about XXXX accounts linked with the previous service and these morons deleted every single one of them forcing me to re add everything. And this new service is utter garbage. There are 2 options One option is to use plaid and give up your credentials. Even if I am willing to do that, you have to try multiple times and it might work in 1 out of 5 times at best. And you know how good $ XXXX is with keeping any credentials safe The second option which I always preferred is to use the trial deposit method. Since they moved to this new service, this option has been hopelessly broken and has never worked. And when you call them to ask about the error, you get totally stupid random answers. 
Their stupid website asks for all the details of the external account and then asks you to enter your full debit card number and PIN number and them tells you it is going to send trial deposits to the external account and then gives you this stupid " XXXX '' error. And then it logs you out of the $ hitibank website. Please see the attached pdf print out of this error. 
These are some of the reasons their idiotic agents have given me including some of their supervisors ( XX/XX/11 XXXX XXXX. 
- There is an issue with the browser. Try a different browser - There is an issue with the browser. Delete all cookies and try again - There is a technical bug with the website that they are working on fixing - There is a technical maintenance going on, please try again later - There is a restriction on your account, we need to transfer you to a different department. 
All they do is transfer you around and give you stupid excuses, they have no clue what they are doing. 
Just spoke to a supervisor who told me that the issue is with the external bank without even asking me which bank account I was trying to link. I have about XXXX other accounts and not a single one of them has worked with $ shitbank 's trial deposit method. It is such big waste of time as it asks for all the information and then says it is going to send trial deposits and then shows the same stupid error no matter which external bank you are trying to link with. I can take this non sense anymore. 

As I was typing this complaint, I got hold of someone sensible ( XXXX XXXX who confirmed that the " XXXX '' error is an issue on $ XXXX 's website and they are still working on fixing that. And it took an hour and arguing with layers of stupidity to get that simple answer. 

I asked XXXX to file a formal complaint against XXXX who twice told me the opposite, that the issue is with my external banks. Here is the reference number for that complaint XXXX.
Complaint sub-issue: Personal information incorrect

I found out recently that there was a problem with verifying my social security number when I wanted to cosign a student loan for my child. I dealt with the social security administration without success. 

After further investigation, I found out that I was reported as being XXXX  on XX/XX/XXXX 

I am trying to figure out : 1 ) who or which funeral home or which entity reported me as being XXXX over 2 years ago and 2 ) how to rectify this since I am well alive so far. 

Please offer some assistance, guidance on how to handle this issue. Thank you.
Complaint sub-issue: Not given enough info to verify debt

Last year, I ran into financial difficulty and was unable to continue to pay my credit card payment to Citibank. I was in the process of consolidating my debt, but the consolidation loan was taking an incredibly long time. I called Citibank numerous times and updated them, but failed to put that information into writing. By late XX/XX/2016, the debt consolidation loan settled and a check for {$33000.00} was issued to Citibank. The last account statement I received from Citibank ( see attached ) did not reflect that {$33000.00} payment. I never received another statement from Citibank. Citibank apparently sent my account to their collections group. I have received numerous " settlement offers '' from the collections group, but have been unable to establish how much I really owe Citibank, despite two letters to them earlier this year ( see attached ) requesting that information. I know I owe them something, but I just do n't know how much. I would like to settle this account once and for all. The collections group says I owe {$2000.00} more than I think I owe them and I do not understand how they came up with this amount.
Complaint sub-issue: Account information incorrect

I have tried multiple times getting situations straightened out with all bureaus. I have requested that the gets deleted immediately as account is inaccurate. Accounts # does not match stating derogatory and collection/ CO with XXXX and Equifax XXXX {$0.00} balance. There is no way account is derogatory if its in collection already. Theres no way payment status is 180 late if account is closed and {$0.00} balance. Payment history is missing data even though Date of last payment reports date. Date last payment does not match payment history. Equifax continues to change account #. XXXX Equifax reports perfect payment all the way to XX/XX/XXXX. XXXX reports late payments and stops XX/XX/XXXX and removed data from date last payment. With inaccurate date date last activity and date last reported and changed date opened.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX will not adhere and follow the law that a credit agency was given by CFPB when it comes to the timeframe of validation of debt. Per CFPB regulation F subpart b 1006.34 ( b ) : ( 5 ) Validation period means the period starting on the date that a debt collector provides the validation information required by paragraph ( c ) of this section and ending 30 days after the consumer receives or is assumed to receive the validation information. For purposes of determining the end of the validation period, the debt collector may assume that a consumer receives the validation information on any date that is at least five days ( excluding legal public holidays identified in 5 U.S.C. 6103 ( a ), Saturdays, and Sundays ) after the debt collector provides it. 
I am providing the laws that you ( CFPB ) have put in place to protect a consumer ; I have provided proof and sent a certified green card letter to XXXX, XXXX, and Equifax proof that XXXX has not sent any validation of debt for all 18 of my student loans in the 30 days, only a letter saying verify. XXXX only updated and did delete off my consumer account, even with all the documents provided. Now it is your responsibility to have these credit agencies to abide by the federal laws ( you have written CFBP ) by removing all 18 of my student loans from my consumer credit file. Since, XXXX has not complied with the federal laws that are here to protect me ( XXXX XXXX XXXX, I am now requesting for CFPB to have these credit report agencies to follow your law and remove now! I have read the laws on what you as an agency must follow, and you have failed to act. I am not requesting for you to validate the information for me, I am telling your agency that I request for XXXX to validate all 18 of my student loans and I only received one piece of paper without anything else according to CFPB 1006.34, you as a consumer reporting agency is not above any law! As of today XX/XX/XXXX, I just receive a package from XXXX from my original request on XXXX XXXX and Complaint with CFPB XX/XX/XXXX, this is proof that it took 2 months for me to receive any information to my first original request for validation of debt on XX/XX/XXXX. I only receive 1 letter saying that an account is verify and accurate. That letter from XXXX does not follow the guidelines and law written by CFPB, which states what a validation of debt is and what is required by the debt collector/ servicer within 30 days.
Complaint sub-issue: Personal information

Hello, My name legally changed in 2015 and the credit reporting agencies refuse to accept the court order and make the change to the credit report ( The previous name must not be disclosed, per court order - more than five years after the change ). This has resulted in a denial of credit because of lack of a credit history and a fraud alert on my account. 

They have stated that they will not change the information unless it comes from an original creditor, but this is false credit reporting because it is my history, my former ( birth ) name, and my new ( legal ) name. 

One of them did finally agree to make the change, but still sends my information in the former ( birth ) name AND when it did reflect the new ( legal ) name, they included a middle initial. There is NO MIDDLE NAME/INITIAL.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I was told an auto loan was opened in my name which I got a vehicle in XX/XX/XXXX. That vehicle is now reporting on my credit report as a repossession as well as reporting twice. I have called XXXX, Equifax and XXXX. I was told by XXXX that they verified the account and I can continue to dispute the same issue. XXXX also told me that they see that it is a duplicate account and the sad part about it, that I clearly states a duplicate account with the same account number I have also asked XXXX XXXX XXXX for a copy of my contract and to no avail did I get anything from XXXX XXXX or XXXX which stated to me that they do n't have to verify anything with me what XXXX told me is that they only report what is given to them no matter If there are any issues I need to take that up with the company. No matter how many times that I explain that they are damaging my credit by reporting this same vehicle twice with 2 different amounts on it they said it would be nothing that they can do.
Complaint sub-issue: Information belongs to someone else

I am reporting fraudulent information and accounts my credit. 

The first is XXXX XXXX XXXX Account : XXXX Amount : {$4600.00} Numerous Times Ive contacted them telling them I did Not consent to opening an account with XXXX. Nor have I been Im school for over 7 years. This is not my account and someone used my information and photo to enroll me in account. This is fraud and needs to be off of my account. 

The second is XXXX XXXX. 
Account : XXXX Amount : {$500.00} This account was opened without my consent using my social and address. My phone number is XXXX NOT XXXX. This is not my account and neeeds to be removed. 

The Third Account is XXXX Account : XXXX Amount : {$1800.00} This however is my account, but I have Tried contacting them on removing this off of my account in consideration of hard times due to COVID and to pay off a settled balance. They have yet to respond so this needs to be removed. 


I have 2 fraudulent hard inquiries on my credit that need to be removed : XXXX XXXX XXXX XXXX XXXX  Out of all the times these are hard times due to COVID and I have No time for fraud or fake accounts posting on my credit. Remove them off.