Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

Had credit report ran to obtain mortgage loan   XXXX   2017, was told I need to get dispute remarks removed. Immediately called all   XXXX   bureaus  XXXX ,  XXXX , and Equifax. Was told by each company that they would be removed. Waited 30 days and still showing on credit report. Called all  XXXX  bureaus a second time in   XXXX   2017 and waited another 30 days still dispute remarks are there. Called a 3rd time   XXXX    2017 and dispute remarks are still there. Even called creditors and no luck after being told they were removed.
Complaint sub-issue: Old information reappears or never goes away

i have two data breaches with XXXX  and have had a heck of a time trying to get them to understand that if they continue to use the XXXX. XXXX or XXXX or any other email attached to my social security number is not helping at all. They are to use the only one that I use now, XXXX not XXXX, as those are a part of numerous fraud alerts with ftc, fXXXX XXXX XXXX, XXXX. My new email again is XXXX. I can not let you know how important this is as I have been XXXX over the internet over and over.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Contacted Agent on XXXX only gave confirmation # XXXX Credit Report has multiple accounts reporting adverse ; however when I call agent can't find accounts listed nor has she been able to remove those acounts. File # XXXX XX/XX/2022.
Complaint sub-issue: Account information incorrect

My credit report contains an mortgage account from XXXX / XXXX XXXX which I have contacted XXXX and they confirmed is NOT mine. I have contacted the credit agencies multiple times on this and MENTIONED that XXXX has confirmed no account exists with them, and it continues to remain on my account, without explanation or evidence that the account belongs to me. This is extremely upsetting and frustrating. This is inhibiting my ability to purchase a home. Thank you for all your help.
Complaint sub-issue: Reporting company used your report improperly

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. Pursuant to XXXX5 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction in the letter I sent. XXXX, Equifax, and XXXX violated my rights as a consumer, I also included a screenshot of the law
Complaint sub-issue: Their investigation did not fix an error on your report

I have read through my credit report provided by you and cant seem to make sense of this data you report. I need your help and would appreciate expedited investigation on this. 

A collection is late by default and therefore can not report a late payment. Remove account for violation. 

XXXX  XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Account numberXXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXXXXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ( HIPPA code ) This is a collection/charge off how can there be a late payment on it? This a Violation. Delete this account immediately.
Complaint sub-issue: Information belongs to someone else

Roughly about XXXX weeks ago my husband and I both started receiving letters in the mail from CITI stating that we had opened accounts with them which we did not. We do not now nor have we ever had an account with them. We contacted them they wanted my Social Security number I refused, they asked me for the last for which I did give them the last four of my social. They had erroneous information for me. This was explain to them, it also showed that there was another person on the account by the name of XXXX XXXX. I have no knowledge of this person, who this person is, this person is no relation to me, and Ive never known them in my life. I did close the account. I am still getting letters from CITI About the account but when I call them does state that the account is closed. I do not think that they should show my credit report as it was explained to them that this was fraudulent. I never applied for any card with them.
Complaint sub-issue: Information belongs to someone else

This organization is continuously seeking for the debt that I do not owe. I am enclosing my Identification, Identity theft report from the Federal Trade Commission and the Notarized Identity theft Affidavit proving it is in Fact me that submitted this report. I meet all of the requirements for blocking and removing of this account from my credit report under 15 USC 1681c-2.
Complaint sub-issue: Investigation took more than 30 days

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX Name : XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EMPLOYER : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYER : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : 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 Equifax 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
Complaint sub-issue: Having problems with customer service

Citibank is reporting late payments on my credit report on accounts that were never late. There are several of these reports and when I asked them to validate these accounts since they were never late and they refused to correct the reporting, they failed to validate the account. When I asked them to remove the inaccurate reports, they just sent a letter asking for me to send them my credit reports instead of correcting what THEY are inaccurately reporting.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; STATE ECU XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; RESIDENT VERIFY XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

THERE ARE SEVERAL ALLEGED COLLECTION, CHARGE ACCOUNTS SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PURSUANT TO FCRA 623 IM DEMANDING THE REMOVAL OF THEM
Complaint sub-issue: Personal information incorrect

CREDIT COMPANY DROPPED MY CREDIT SCORE 50 POINTS. TWO COLLECTIONS WERE REMOVED AND THERE WERE NO OTHER CHANGES SO WHY DID MY CREDIT SCORE DROP AFTER I CALLED AND MADE A COMPLAINT. IN ADDITION I REQUESTED TO HAVE WRONG INFORMATION REMOVED FROM MY REPORT.

There are address listed below that are not mine. they have yet to show proof of how these address are mine. 
XXXX XXXX  XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX AND XXXX account that is listed as charged off needs to be removed due to the court documents i sent in and its pass the 7 year mark as well.
Complaint sub-issue: Information belongs to someone else

Innovis is n't reporting an account and balance under negative accountant hat does not belong to me I have reported this to home for years and they are now asking for a police report which was originally sent to them and I 'm told I can not obtain a new one since this is XXXX years ago This account and balance from XXXX  XXXX credit card do not belong to me and needs to be removed from my credit file immetiely They continue to violate many credit reporting rules and regulations and have been noticed I of this error for years and have failed to make it correct
Complaint sub-issue: Received bad information about your loan

In 2017, i was contacted about refinancing my loans to get one payment with a lower interest rate through a company called XXXX. They were a third party company that does everything to get your loan transferred to a different company. That company was XXXX. Not only did they lie about where {$100.00} a month was going ( should have been going to my student loan ) they were putting that in their pocket. When i wrote in a letter to cancel my subscription the mail got forwarded back to me and when i called the number no longer existed. My XXXX  payments were $ XXXX  monthly for a year. When it was time for a new recert of my IDR and many hours of talking to XXXX on the phone it turns out that the XXXX people told them that i was single with XXXX dependents. Which is not true. Im married with XXXX  dependents. XXXX  didnt want to deal with it anymore and transferred all my loans over to FedLoan Servicing. FedLoan is now trying to charge me $ XXXX/month. Which i can not afford, when before i consolidated i was only paying around ~200 using XXXX XXXX and XXXX  before the consolidation. The whole system is extremely XXXX up.
Complaint sub-issue: Account status incorrect

I have XXXX student loans in forbearance with XXXX totaling approximately {$4400.00}. Of that amount {$XXXX} is a subsidized loan with a principal balance of {$XXXX} and {$XXXX} interest opened XX/XX/XXXX. The next payment is due XX/XX/XXXX. 

Also on my report is an account with XXXX XXXX XXXX with a balance of {$XXXX}. This account is in collections and it was originally opened XX/XX/XXXX. 

The account in collections ( XXXX  ) is a duplicate of the account thats in forbearance ( XXXX ) and has caused me an issue obtaining a needed automobile loan as recent as XXXX XXXX.
Complaint sub-issue: Account information incorrect

Ive sent a theft report from the police and none of the information has been removed. Late payment are showing on my report that are false am no investigation was done by the company.
Complaint sub-issue: Trouble with how payments are being handled

I originally filed a complaint with CFPB on XX/XX/XXXX ( XXXX ) and the company responded on XX/XX/XXXX. In short, back in XX/XX/XXXX, my spousal consolidation student loan with American Education Services ( AES ) was placed into forbearance against our request. When our monthly account payment was not debited as normal on XX/XX/XXXX, I called American Education Services ( AES ) and was surprised to learn that our loans were placed into forebearance. Since that time, I have been engaged with AES through approximately 10 phone calls and multiple hours on the phone to correct the forbearance issue and also resume a similar monthly payment schedule on our loans. 

As of late XX/XX/XXXX, AES did correct the forbearance issue and was able to remove the forbearance from the account and correct other delinquencies which were listed on the account as a result of the forbearance error. We appreciate these corrections. Due to the forbearance, however, AES also explained that they had to redisclose the terms of our consolidated loan because the account was placed into forbearance. I was originally told that my new monthly payment amount would be {$560.00} and would be auto debited on the first of each month to begin on XX/XX/XXXX. Unfortunately, no payment was debited from our account on XX/XX/XXXX as promised/stated and I had to log in and do a manual payment after XX/XX/XXXX. I have been regularly monitoring the account through XXXX and I can see that the direct debit payment amount is still incorrect and the payment terms that I have been quoted multiple times have also not been updated. 

Since being assigned an AES senior account specialist, XXXX, I have been assured that the terms of our loan would be redisclosed with an end date in XXXX and that our monthly payment amount would be approximately {$560.00}. When I log into my account on-line, however, AES is showing my monthly payment amount of approximately {$350.00}, but this is incorrect. I want to request that AES update my online account and monthly direct debit to the amount and loan terms that I have been quoted multiple times on the phone. Again, the monthly direct debit amount should be close to {$560.00} with the loan repayment being completed sometime in XXXX.
Complaint sub-issue: Attempted to collect wrong amount

On XXXX I disputed a {$120.00} collection I requested that the debt be validated in that request.
Complaint sub-issue: Information belongs to someone else

remove : fcra violaitons XXXX XXXX XXXX I XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX I XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX I XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX  Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Complaint sub-issue: Reporting company used your report improperly

15 U.S.C 1681 ( a ) ( 1 ) says The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. On XX/XX/2022 I sent a letter to Equifax pointing out inconsistencies in several accounts reporting on my Equifax consumer report. I asked that if any information reporting on my Equifax consumer report wasn't 100 % accurate that it be immediately deleted from my consumer report. My certified mail tracking # for the letter is XXXX. It is now XX/XX/2022 and there are still a multitude of inconsistencies reporting on my consumers report. Equifax stated that these accounts were investigated properly, but how is that possible with so much inaccurate information still reporting? 15 U.S.C. 1681i ( a ) states that if Equifax can't provide proof of these inaccuracies these accounts must be deleted. This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 Section 602 A which states I have the right to privacy as well as 15 U.S.C. 1681 Section 604 A Section 2 which states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Investigation took more than 30 days

I 've filed a previous complaint (  XXXX  ) with you all and the status still remains open with no response as of  XXXX    XXXX ,2017  in regards to my  XXXX   XXXX   XXXX  account to be removed from credit report.  XXXX  out of the  XXXX  credit bureaus have removed it when I sent certified letters asking for the removal or proof of debt except Equifax. They have yet to respond when I sent the certified mail  XXXX   XXXX ,    2017  and they received it  XXXX   XXXX ,  2017 . I would like the account removed please. I also checked the licensing website and saw no authority for them to be collecting in the state if NC which was another concern for  XXXX   XXXX   XXXX .
Complaint sub-issue: Collected or attempted to collect exempt funds

On XX/XX/22. Me and XXXX got paid and the founds were deposited inti our XXXX XXXX joint account in XXXX, that afternoon all the money were from our saving account ( XXXX ) and XXXX from our checking account because of a credit card balance judgement on me only ( not my XXXX ). Under XXXX laws the joint account between XXXX and XXXX is protected from garnishement. But the bank XXXX XXXX still processed the transaction illegally even after speaking with their legal department on XX/XX/22 twice, they were very rude and did not care about the law nor my situation. So we were left with only XXXX dollars on our account, we have XXXX kids and now we cant even survive. This was illegal!! Please note that the judgement is only on my name and it said that the send the paper work for the court to an old adress that I have nt live there in years. This whole process is illegal and XXXX XXXX bank did not care about the law!!
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed a debt to XXXX XXXX XXXX  regarding a XXXX cell phone bill. I explained that I was part of an ongoing billing dispute that was being reviewed by XXXX 's corporate office for 1.5 years. Eventually, the company issued a credit of over {$700.00} to me in XX/XX/2017 but that did not fix the ongoing problem. XXXX reassured me that they would issue the credit to my account. However, I received notice that the bill was sent to a collection agency. I called XXXX who issued an additional credit and told me that they would remove the account from collections. We reached a billing agreement and I paid the difference after they issued the final credit. The payment confirmation number is XXXX had a representative from XXXX call the collection office with me to explain that my account should not have been sent to collections but the collection agency refused to speak with the XXXX representative XXXX The account was removed from my credit report but have recently reappeared. If this matter is not resolved I am going to seek legal counsel to assist me. I am in the process of applying for a mortgage and I am unable to because this keeps reappearing on my report. I feel like my rights have been compromised.
Complaint sub-issue: Banking errors

This complaint address two issues I had for the same account at the same bank. I opened a Burial Reserve CD for my mother with XXXX XXXX  on XX/XX/XXXX. I am a her legal guardian & paperwork was provided to both banks, several times. It was for 5 years, which was to mature on XX/XX/XXXX. The account number was XXXX. In the meantime, BB & T bought XXXX XXXX  & the CD was assigned another account number XXXX. When the CD came due last XXXX, the rate they were offering was less than desirable & they would not match a rate I could get elsewhere, at that time I asked to close the CD. They refused to close it unless I had a representative from the funeral home ( of which they had no interest in the account until she dies ) come in to close the account. The funeral home was not an authorized signer & were not even aware of the account. Due to the time restraint with the grace period, I was forced to leave the CD with BB & T. I was then told to take the new signature card to my mother to sign, that it had to have her  signature, even though they had the Guardianship papers, which I provided yet again. I then recieved in the mail a modification notice with the new terms & rate. The second issue came with an Abandoned Property Notice I received on XX/XX/XXXX. It stated that since there had been no client related activity within the past several years, that the CD would be escheated to the state on XX/XX/XXXX. Even though I had been to the branch at least twice during the grace/renewal period, in person, & had to make a special trip to where my mother is in a nursing home to have her sign the new signature card, then returned to the branch, in person, to drop it off. I did sign & date the escheat notice to claim the property & returned it ( no they couldn't even provide a return envelope ) by mail on XX/XX/XXXX but surely, my account isn't the only one that may be escheated to the state in error.
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Account terms

XXXX has decreased my credit score but does not properly state why, what bill was late or delinquent or what was added that decreased my score by up to XXXX points!
Complaint sub-issue: Account information incorrect

There are fraudulent inquiries and inaccurate account information on my credit report! I have disputed this information multiple times and nothing is being done! I feel as though this is an insult against my intelligence and a right being taken as a joke as an American citizen who understands the CFPB laws!! Your credit is your life and this inaccurate and fraudulent information being so easily put out there BUT NOT BEING THOROUGHLY INVESTIGATED is hindering me from a lot of things!!!!
Complaint sub-issue: Talked to a third party about my debt

CBCINNOVIS reported my XXXX year old Father 's unlisted # as mine. This # is never given out for any reason except to close family members. XXXX. I was forced to remove the # and get him a new XXXX! Now we have no way to advise the new # to family members that we ca n't reach. They also have my Daughter 's address listed as mine. XXXX XXXX XXXX XXXX # XXXX XXXX XXXX SD.XXXX. They have been told XXXX in last 8 months to remove the information and have refused. These have never been and are not mine! They are giving this info to hospitals. I have XXXX and have bills that I am not able to pay.