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

I need clarification as to why you are reporting certain information on my credit report. Please review the following : ACCOUNT NAME : XXXX XXXX XXXX NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX NUMBER : XXXX YOU ARE REPORTING THIS ACCOUNT AS CHARGED OFF YET YOU ALSO REPORT A MONTHLY PAYMENT? ALSO, THE ACCOUNT IS NAMED XXXX XXXX ON EQUIFAXS REPORT, WHILE XXXX IS LISTED AS XXXX XXXX. DELETE THE ACCOUNT IMMEDIATELY FOR INACCURATE REPORTING. 

After you have finished my request, send me a copy of my credit report reflecting these changes. 


In the past XXXX years, I have written and sent letters to all credit bureaus in regard to this particular account and to have this particular account removed, but this account is still listed on my report. I also recall making payments online with these particular accounts and paying the balance off. Though, after learning about this information on my credit report, I returned to the company site to gather more information and receipts of payments, but the information was no longer there.
Complaint sub-issue: Their investigation did not fix an error on your report

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Complaint sub-issue: Problem accessing account

Today XX/XX/2022 I received a text from an unsaved number telling me, exactly this : Free Msgs Citi : Your mobile banking has been locked due to an unusual login attempt. To certify please visit : XXXX. 

I do not have a Citi or Citibank account, so I should not be receiving these messages. The phone number sending this message is XXXX ( XXXX ) XXXX.
Complaint sub-issue: Can't use card to make purchases

Cash app is not allowing me to add my debit card to make transactions on my account. I couldn't send money which is what made me try to update my card.
Complaint sub-issue: Problem during payment process

Have a Costco Visa credit card with Citibank. 
Paid {$9500.00} via ACH ( done many times previously ... generally only way paid ) initiated through Citi website. 
Payment was initiated XX/XX/2020 Payment was taken out of my XXXX account on XX/XX/2020 Called Citi on XXXX and was told payment had not posted yet Called Citi on XXXX and spent over an hour to be told that payment would not be released until the XXXX of XXXX ... nearly two weeks after payment was made.

Have NEVER had a late payment Have made numerous other payments this way Was told the amount caused issue Have other cards with Citi and have made larger payments from same checking account using same process with no issues. And no returned payments or other issues.

I think it is criminal to hold the amounts for two weeks with ACH being credited next day. 

Would like to get some help.
Complaint sub-issue: Account information incorrect

I opened cell phone account with XXXX and bought XXXX Phones received them the very next day contacted XXXX and closed the account never opened the cell phones I mailed them back to XXXX and got a refund spoke with XXXX different manager and account was supposed to be closed and cancelled and I didn't owe anything. Well a year later att send me to collections for an account that should have been closed and paid in full and now refuses to remove it from my credit
Complaint sub-issue: Information belongs to someone else

On today I spoke with a young lady who was n't even located in the United states XXXX XXXX with Equifax. I explain to XXXX that their are inquiries that are connected to my report that does NOT belong to me. She was very rude and stated " what do you want me to do about it ''? That I needed to contact the creditors because it is not their job to correct theses errors. I explained to him that I have been going back and forward about this between Equifax and the creditors and no one seems to be able to assist me with this issue. His response once again was " What do want me to do and are you done ''? Along with a CH. XXXX that continues to show on my credit which was removed and placed back.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX I sent a verification request to Equifax and received no correspondence back. On XX/XX/XXXX I sent a second verification request to Equifax and received no correspondence back. On XX/XX/XXXX I sent a third verification request Equifax and mentioned how I have not heard back since XXXX and XX/XX/XXXX and have received no correspondence back. On XX/XX/XXXX I sent a third request to dispute my bankruptcy and mentioned the dates I sent letters and advised they have 30 days to respond and asked that they delete the information
Complaint sub-issue: Account status incorrect

RE : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and Equifax. 

I understand that Equifax has some problems recently where they were incorrectly reporting a significant number of peoples Equifax accounts; thereby denying them credit or driving a credit score that drove their score down. 

I was denied credit by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. My credit score with Equifax, at the time I applied for the loan was over XXXX. As the declination letter from XXXX XXXX describes my Equifax FiCO score of XXXX was the reason for declination. The difference between the score reported by Equifax and XXXX XXXX is a significant difference. Equifax also sent me a notice that they changed the recipe to develop my FICO score. This sounds fishy as their score is the bedrock of the credit industry and they changed the recipe to cook a different brew of XXXX. 

I believe that Equifax reported my credit incorrectly and I want the CFPB to investigate this in lite of their changing their recipe and their failure to report correctly. 

The attached letter is a copy of what I sent to XXXX XXXX. This outlines my primary issue with XXXX XXXX and Equifax. XXXX XXXX XXXX has not responded to my letter. 

Additionally, I also believe that XXXX XXXX has discriminated against me, violating my rights by using my age to lower my score on their non-published criteria. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX medical doctor.. I have had insurance for all these doctor bills
Complaint sub-issue: Information is missing that should be on the report

As of today, I received my updated credit scores from Equifax, XXXX  and XXXX. My FICO 8 scores are showing the following : Equifax - XXXX ; XXXX - XXXX ; XXXX - XXXX. When I pull up the older version FICO scores from the credit bureaus for mortgages, I get the following scores : Equifax - XXXX ; XXXX  - XXXX ; XXXX  - XXXX. When I asked Equifax why the big discrepencies in the scores, he couldn't tell me why other than every agency is different. If my XXXX is reporting XXXX, Equifax and XXXX   should at least be a XXXX on the FICO 5 and 4. I've been told my several creditors and mortgage lenders that if there's larger than a 20 point difference, it needs to be reported. This is an unfair practice that Equifax and XXXX is doing especially when I'm working hard to reduce my debt ratios and instead of it being rewarded, I'm being punished? How does that work?
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXXXXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX  XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Problem with customer service

I made a purchase at Home Depot using the Home Depot credit card in XXXX and paid the bill in full online before the XX/XX/2020 statement closing date. Home Depot did not send to me the XX/XX/2020 credit card statement. I asked Home Depot to mail or provide an electronic credit card statement for my records but they said that they do not generate a credit card statement when the balance is XXXX  even if the account had activity during the period. I need the statement for my tax records and for proof that I paid the bill. Other credit card companies provide a statement for any statement period with activity.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying to dispute an account in collections that is reporting inaccurate information/amount owed to Equifax. I have a document that shows there is a discrepancy with the amount reported, Equifax agents agreed over the phone on different occasions ( Last conversation over the phone XX/XX/2022 ) that the amount reported is wrong, but they refuse to remove the information. This is after a formal dispute has been filed online. Amount reported to Equifax is for {$2700.00} from XXXX XXXX XXXX XXXX. The Document provided to Equifax shows {$2400.00} from XXXX XXXX XXXX XXXX. Last dispute to Equifax was submitted on XX/XX/2022. Investigation was completed by XX/XX/2022.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I HAVE CONTACTED THIS BUREUA MULTIPLE TIMES REGARDING THESE UNAUTHORIZED HARD INQUIRIES. THEY ARE NOT COOPERATING AND HAE NOT GOT BACK WITH ME REGARDING THIS ISSUE. I HAVE MAILED MULTIPLE LETTERS AND ALSO CALLED THEM. THE UNAUTHORIZED INQUIRIES ARE AS FOLLOW : XXXX - Card Service Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Complaint sub-issue: Account status incorrect

I am writing to file a complaint against Equifax Credit Bureau. I have been in dispute with them regarding an open mortgage account with XXXX XXXX that should be closed. I have had over 20 phone conversations with representatives, tier 1 supervisors and tier 2 supervisors. I have even been on hold for an hour and 4 minutes with no response. I had  to call from another line while on hold to explain my frustration. I have been on the phone with Equifax almost every-day since XX/XX/2019. I am furious because this account was reported to all bureaus on XX/XX/2019. XXXX and XXXX   updated the accounts on XXXX XXXX and XX/XX/2019. How can these bureaus report the account correctly and Equifax still have it open. 
I was also told to reach out to XXXX so that they could send information over to them. I did reach out to XXXX. XXXX sent me a letter documenting that the account had been paid in full and that credit bureaus had been notified of this change in XX/XX/2019.  XXXX sent me the letter and I faxed the letter over to Equifax. 
I have been told to fax information over so that they could correct this account. I was told that if I faxed over my documents they would correct this immediately. I spent {$29.00} to fax them information to the fax numbers they told me to fax the information to and I was later told they should not have told me that information.The fax numbers that I was given are XXXX and XXXX. 
I have enclosed the letter that XXXX finance sent me and have also enclosed the official copy of the deed from the XXXX County Courthouse. This deed was transferred over to XXXX XXXX, the company who the home was sold to. 
I am simply asking that the account be closed. This has continued to negatively affect my credit. I found out about the discrepancy while in the process of trying to close on another home. Because Equifax has refused to close the account, I lost money on a home that was under contract and was unable to complete the purchase of the home due to Equifax reporting the account as open. I am furious because my credit continues to suffer and I lost the potential of owning another home. I am asking, no begging for some kind of assistance with this issue. I should not be in a situation where an account is paid in full and the credit bureau is refusing to correct the account. Please help me with this issue.
Complaint sub-issue: Having problems with customer service

I refinanced my student loan with XXXX on XXXX XXXX 2016. The check was sent to Discover on XXXX XXXX 2016 and cashed the following week. They have not reported to the credit agencies that the loan is closed. They also have yet to provide a closing statement and refund me approximately {$1100.00}. This also has dinged my credit score because today, due to their lack of action, I currently have XXXX student loans outstanding. Their customer service and misinformation is very stressful.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Old information reappears or never goes away

I filed a dispute with XXXX  on XX/XX/2018 to have some incorrect information removed from my credit report. I received a file # XXXX which is the same file # I receive anytime I contact them about any issues. My XXXX  credit report currently shows an account with XXXX XXXX/XXXX XXXX which I have disputed as not my account and received notification ( I will attach a copy of that notification stating the account was removed ) stating that, " XXXX XXXX / XXXX  Account Removed From Report Closed accounts are usually removed from your report after seven years. Once they're removed, the account details will no longer affect your credit score. 

Between XX/XX/2018 and XX/XX/2018, your account with XXXX XXXX / XXXX  was removed from your credit report. '' This info was provided to me by Credit Karma. I also had this same account listed on my XXXX   credit report and I disputed it there, as well. I received the same notification on my XXXX  report stating, " XXXX XXXX Account Removed From Report Since this account is no longer on your credit report, its details won't be factored into your credit score. Accounts can sometimes be removed due to things like disputes and reporting errors. 
Between XX/XX/2018 and XX/XX/2018, your account with XXXX XXXX was removed from your credit report '' NOW ... the account is listed on both my XXXX and XXXX credit reports. They are not allowed to remove an account from my credit report which was disputed and add it back again. 

In addition, XXXX will not allow me to log in to view the dispute from this that I filed several weeks ago stating that the dispute is still in progress.
Complaint sub-issue: Was not notified of investigation status or results

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXX  2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Complaint sub-issue: Their investigation did not fix an error on your report

The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud..XXXX XXXX XXXX XXXX ( duplicate account, two trade lines ), XXXX   XXXX XXXX , XXXX XXXX, XXXX XXXX,
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Discover Card and a few other collectors keep calling my cell phone and my mother 's cell phone for my brother 's debt. I told them this is not his phone number, I do n't owe you the debt and to take me off the call list. They say ok and then they still call / harass, almost every single day. They even called us on Sunday XX/XX/XXXX back to back at XXXX XXXX XXXX XXXX and at lunch time.
Complaint sub-issue: Information belongs to someone else

While serving oversees my idenity was compromised. During this time a credit car was opened in my name with XXXX. I demand that this item is immediately removed from my credit file, or I will seek further legal action.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX also known as U.S department of education is the holders of the account. In their system all my balance are paid and should be reporting {$0.00} balance paid in full but all the other credit bureaus are still reporting old balances whats incorrect.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Complaint sub-issue: Reporting company used your report improperly

LexisNexis is illegally reporting tax XXXX. I disputed this tax XXXX on my LexisNexis consumer report multiple times with LexisNexis. LexisNexis you have stated in your response to me that you verified this information with the furnisher. I contacted the furnisher of this federal tax XXXX XXXX XXXX of Deed and they stated in there response letter to me that they do not verified or report information to any credit reporting agency. LexisNexis response to me that you verify this information with the furnisher was a mistake or lie. I have provided as proof documentation the letter from the XXXX XXXX of Deed clearly stated that they dont report or verify information with credit reporting agencies. I have also provided the XXXX of Truth I sent to you via certified mail to ensure you receive my dispute and for tracking purposes in case legal action is need.
Complaint sub-issue: Trouble with how payments are being handled

Starting with my payment on XX/XX/19 I began to pay over the amount of my loan payment. I paid {$700.00} instead of my regular payment of around {$430.00}. The American Education Services ( AES ) website says the following as far as paying over, " Yes, you can pay more than the amount you owe. Any interest or fees that have accrued on your loans will be paid first before reducing your principal balance. '' However, I found that after I paid over, AES instead paid the additional {$270.00} to the following months loan payment. I had to call them to get my payment fixed, and then was forced to send them a written message asking them to put any money I paid over in the future to the principle of my loan. Like their own website already says they do. 
I again paid over my payment amount for XX/XX/19. I paid {$620.00} instead of my normal payment of {$420.00}. I got the verification that my loan had been processed correctly and then saw later that it had been changed so that the extra {$200.00} had been moved to the following months payment. After I was forced to call again, I was told that it would take 7-10 business days to be corrected. Now I see that when they finally corrected it, they only credited my account for {$420.00}. The additional {$200.00} I paid, magically disappeared, but was still taken from my bank account. 
After being forced to call them again, I was told that it was going to take them 7-10 business days to apply the missing {$200.00}. I am awaiting to see if this is done correctly. I also had to pay my loan again today for XX/XX/19 not knowing if its going to applied correctly or not. Luckily I have been watching my account or AES would've been applying my loan payments incorrectly, or basically stealing my money. 
I am forced to attach some screenshots I have taken from my account. I have not received a correct statement from them in going on 3 months now because of their constant errors, so I don't have copies of them at this time. I can send them at a later time, when I have access to them.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX,, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX, XXXX XXXXXXXX  XXXX account XXXX XXXX, XXXX XXXXXXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXXXXXX XXXX XXXXY XXXX Ref XXXX # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # 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.
Complaint sub-issue: Can't decrease my monthly payments

I ca n't find a job in my field of study and I 'm having a very difficult time trying to pay it back working part time jobs.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

This debt should have been included in my bankruptcy back in XXXX. This Company is reporting wrong dates This is from XX/XX/XXXX and they are reporting for XX/XX/XXXX which is inaccurate.
Complaint sub-issue: Deposits and withdrawals

My E*Trade debit card connected to my E*Trade checking is frozen. 
E*Trade does not have viable phone numbers, email address, chat access. XXXX for my calls advice a wait of over an hour and then not answered. Calls to their branch offices are answered with this message, " Branch offices are closed due to Covid. '' E*Trade chat is closed. I have tried email. I have been trying to solve this problem for over a month. I have automated payments for both my individual bills due and my business have been rejected and online payments have been denied. 

Please advice.