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

I would like to report the actions of the Credit Reporting Bureaus and those of XXXX XXXX XXXX XXXX and or XXXX XXXX XXXX XXXX XXXX  ( COLLECTION ACCT # XXXX ) to this complaint forum and request an investigation for their unlawful actions. A payment in full was made to this debt at least twice at this point at XXXX XXXX XXXX XXXX and then I received notice, past the 4 year mark, that the debt was going to result in a lawsuit if not paid immediately which, according to FDCPA law, is actually a violation of of section 811. I was scared and sent payment and as a result they re-aged the debt and and re-activated the account which was due to fall off in XX/XX/XXXX but it did not because one of these institutions changed the the XX/XX/XXXX date to XXXX XXXXalong with company name, information, balance without presenting a miranda to me. This item is supposed to be off of my report and is now actually 7 years and 1 month old. The bureaus allowed the name change, date change and re-reporting of old information without right and continue allowing the collection agencies to continue to report the account as delinquent, until now. A lawsuit is in motion at the XXXX XXXX Small Claims Court in XXXX XXXX   court District and I will add all three bureaus to the small claims court documentation if I do not see a removal of this account in 30 days. Please note that I believe I have escalated this fraudulent account enough and after mail, phone and online attempts were denied I am forced to seek legal and public help.
Complaint sub-issue: Attempted to collect wrong amount

PROCOLLECT, INCXXXX has refused to accept any payment arrangements in verbal or written form and has been unreasonable for the past seven years in resolving debt issues.
Complaint sub-issue: Debt was paid

I have a paid collections account with Plaza Services that was paid in full. I want it deleted from my credit report.
Complaint sub-issue: Account status incorrect

XXXX has been reporting that I have not paid my student loan and that it has been late. 

Legally and federally all student loans have been on pause since XX/XX/XXXX and do not resume until XX/XX/XXXX. 

Student loan forbearance is the temporary suspension or reduction of student loan payments. During a forbearance period, you're not required to pay anything toward the principal on your student loans. Interest can continue to accrue on your loans and be capitalized or added to your balance at the end of the forbearance period. 

I am requesting that XXXX corrects this mistake immediately. 
I am also requesting that the consumer reporting agency examine the disputed information, which legally should be done within 30 days. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF VETERANS AFFAIRS DEPT OF VETERANS AFFAIRS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Complaint sub-issue: Other problem

On my Costco/Citi credit card XXXX statement I had a balance due of {$2000.00}, due XX/XX/20. On XX/XX/20 and XX/XX/20 I had two refund credits totalling {$2500.00}, two weeks before the due date. Therefore I had a credit balance of {$580.00} so there was no need to make any payment, correct? No, two Citi supervisors told me, the system doesn't work that way. 

I then received many harassing messages threatening reports to credit agencies, and insulting requests if I wanted credit counseling. I have a perfect credit score of XXXX. Citi closed my account. I then wrote to Ms. XXXX XXXX, President, Citigroup, and heard from their Executive Response Unit. After numerous calls and messages the rep ultimately said " a credit is not a payment ''. I told them I wondered if a court would buy that logic. 

I paid the subsequent month 's bill in full and the account has been restored. So, except for weeks of harassment and embarrassment of recurring charity payments being rejected, I haven't been injured. But surely, I would like this shabby treatment aired.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

Wallet was stolen and all cards at the time were cancelled.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

So on XXXX XXXX while at XXXX XXXX Course I noticed a charge on my Government Travel Card that I did not make or authorize, when I called Citi they said that some one gave my card number to the travel company instead of another soldiers card number when booking their travel. So I called citi bank to dispute it around XXXX ( XXXX ). Citi bank refused to do anything about it and said they would not take off the charge and that I had to talk to the travel agency that booked the flight, so I did. I called XXXX XXXX XXXX at XXXX And talked to XXXX and XXXX who said that they got my card number from XXXX XXXX, who is the XXXX account manager, and charged my card {$570.00} for travel. XXXX XXXX gave the travel agency my card even though the personal info on the account he was supposed to give had a birthday of XXXX which is clearly not my birthday. The travel company called Citi and told them it was charged by accident that same day and the XXXX account manager called Citi on XXXX XXXX to tell them the same but Citi still refuses to remove the charge from my account. Then in XXXX I called them again and here we are now in XXXX and they are still refusing to remove the charge and they said that even though they know it is an unauthorized charge they 're going to keep the account in the past due status and they refused to send me a letter stating that they know it is not my charge. They are saying that there 's nothing they can do about it that I have to find a way to take care of it even though I already reported it to them that it is not an authorized charge. Originally I was supposed to get a refund from them because I had over paid by about {$180.00} on a previous bill but now I ca n't get the refund or the charge taken off my account
Complaint sub-issue: Didn't receive notice of right to dispute

I have multiple medical debts on my credit score with XX/XX/XXXX and XX/XX/XXXX. I did not give permission for my medical files to be released this is a HIPPA violation and I will be taking legal action if not removed. On top of that I did not receive any notice of debt. 4 collections through Avante, 1 collection with XXXX, 5 collections through XX/XX/XXXX onXX/XX/XXXXXX/XX/XXXX. 1 collection through XXXX on XX/XX/XXXX and 1 collection with XXXX XXXX, 4 collections through XXXX on XX/XX/XXXX I am disputing all of these on legal grounds
Complaint sub-issue: Information is missing that should be on the report

I am trying to get a VA loan and my mortgage company cant pull my credit score from equifax because it comes back as fraud so I have called them to fix this and they ask me to fax them my drivers license and social security card and I call them hours later to see if they got it and they said itll take 5-7 business days even tho I have faxed it and theres no other faster way to get this resolved and Ive talked to the  supervisor and theyre not doing anything to help
Complaint sub-issue: Information belongs to someone else

THE PAYMENT HISTORY SHOWING ON THIS ACCONT IS ABSOLUTELY INCORRECT. I NEVER WENT TO COLLEGE, I NEVER HAVE HAD A STUDENT LOAN AND I HAVE DISPUTED THIS SEVERAL TIMES OVER SEVERAL YEARS.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted Sears and they agreed to remove the inquiry dated XX/XX/XXXX from XXXX XX/XX/XXXX from XXXX  was done in error. I did not authorize Sears/Citi cards to do a hard credit pull for a credit limit increase. I have attached the letter showing my credit was not pulled due to a FRAUD ALERT on my account.
Complaint sub-issue: Other problem

I incurred a series of fraudulent charges in XX/XX/2018. Immediately contacted the merchant as well as the credit card bank, Citibank, on the same day that it happened. Citibank immediately made a series of credits ( disputes ) on behalf of me. However, XXXX, the merchant, also issued credits at the same time. As a result of XXXX XXXX credits, Citibank re-charged the credits. The problem occurs when Citibank 's math is not correct. As a result, I contact Citi 's Security Analysis team and demanded and audit. The audit came back saying that everything they did was correct. In addition they sent me a worksheet stating listing all the fraudulent charges, credits by Citi, credits by XXXX XXXX and reversal ( charge ) of credits by Citi. However, the numbers that Citi do not match what I have on my statement. Specifically, there were 2 credits ( {$76.00} and {$78.00} ) that Citi claims was on my statement were actually non-existent on my statement. I have looked through the statement countless numbers of times and can not find these credits. In addition, there were 1 credit reversal of {$76.00} that Citi claims they charged, but instead in reality, my statement shows {$98.00}. So bottomline is I am asking for a difference of {$170.00} credited back on my account. I have contacted Citi numerous times. Some ended up with the agent not doing anything when they said they will. Some would ask me to wait and they will sort it out. Afterall, I can not reach the person that did my investigation, and talk to me where I can find the specifics that Citi has done. None of the other on the Security team is able to assist me since none of them have access. All they told me to do is wait. I can not believe an international bank like Citibank does things like these and get simple math wrong like these. In fact, they have fake and made up numbers they claim are on my statement which in fact is non-existent. I'm out of options now other than to file a complaint hoping something can be done.
Complaint sub-issue: Account status

Credit bureau is in direct violation of FCRA AND FDCPA.
Complaint sub-issue: Information belongs to someone else

I sent a Letter of Demand Under Section 604 of the Fair Credit Reporting Act : I see these inquiries on my credit report. I would like these Items removed immediately. Please provide me Permissible Purpose. Proof that I initiated the Inquiries and Written Authorization on all inquiries. I have been a victim of identity Theft. Under Section 605B of the Fair Credit Reporting Act you are required to block unauthorized accounts within 4 business days. Please see my 10 page attachment ( Your Duties Under The Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. 

Equifax Inquires 1 ) Equifax - XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX 1 ) XXXX XXXX XXXX XXXX, XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX 1 ) XXXX XXXXXXXX XXXX - XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX 2 ) XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, NJ XXXX
Complaint sub-issue: Debt is not yours

I mailed Ally Financial a Cease and desist on XX/XX/2023. I received proof of mailing on XX/XX/2023 that it was signed for and received. Since then I have received text messages requesting payment. I have attached the text messages and the return mailing label as proof that Ally Financial did receive and should honor the Cease and Desist that was mailed to them and that they are in violation. They are now communicating with me without my consent. According to the FDCPA, pursuant 15 USC 1692k unauthorized communication is a violation of my rights as a consumer.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX refuses to remove two accounts which are not mine. I disputed and they assume it is correct- IT IS NOT- I HAVE SPOKEN TO INDIVIDUALS IN XXXX, XXXX, XXXX AND  ITS NO WONDER MY CREDIT IS A MESS. THESE individuals speak little english and it is frustrating just for them to tell me they cant help me. How is it possible it takes someone 10 seconds to open a high intrest/credit card and me the rightful owner of the information almost a year to try and remove? This is a disgrace to anyone who works hard everyday and care about their credit.
Complaint sub-issue: Problem with rewards from credit card

Citibank closed my credit card without warning or notice. My last charge was XX/XX/2020. 
I lost about XXXX reward points. I would like either a statement credit or to be able to transfer the points to a travel partner.
Complaint sub-issue: Information belongs to someone else

fcra violation name are inaccurate making credit information inaccurate
Complaint sub-issue: Didn't receive enough information to verify debt

Company : General Revenue Corp Collection reported on XX/XX/2019 Amount {$430.00} I applied to go to school at the XXXX  XXXX Texas and registered for one class, however I ended up attending XXXX  XXXX & XXXX XXXX XXXX. I was told that I was charged to withdraw from the class since I never dropped the class. I do not have to pay for school out of pocket because the VA pays my school. Whenever I did not pay for classes they were automatically dropped. XXXX  XXXX Texas however did not drop me and I was withdrawn and then charged and I did not know about the debt. When I was made aware about the debt that was filed on my credit report I paid for it immediately.
Complaint sub-issue: Account terms

XXXX accounts ending in XXXX and XXXX, have incorrectly listed dates of when they became past due. Due to the failure of the XXXX, the original creditor, to report the correct first date of missed payment, to the consumer agencies, the date of removal from my consumer report is incorrect. I have attached direct correspondents with XXXX a representative of the XXXX, and the person that reviews these disputes. 

In the correspondence XXXX clarifies that the due date for the account ending in XXXX was XX/XX/XXXX, thus establishing the date of first delinquency. This is in divergence to the date of XX/XX/XXXX reported to the consumer agencies. XXXX establishes that the date of XX/XX/XXXX is actually the date that the past due account was forwarded to a collection agency. 

For the loan ending in XXXX XXXX establishes that as the guarantor of the loan the XXXX purchased the loan that was already in default and subsequently transferred it to a collection agency. The date of Advance to the collection agency, XXXX, is XX/XX/XXXX, that is also the date listed on my consumer report as the open date, and the erroneously used to determine the fall off date. The correspondence establishes that the date of first missed payment that leads to the cause of action happened well before the university purchased the loan as the guarantor. XXXX also establishes that the original advance date of the loan was XX/XX/XXXX : clarifying that the institution that she represents and is reporting to the consumer agency is unaware of the date that leads to the cause of action. 

Furthermore, XXXX in a preceding email states that these accounts should fall off my credit report in XX/XX/XXXX, seven years from date of last activity ( paid in full ) instead of the date of delinquency, indicating that she is woefully unfamiliar with or disregarding the FCRA. I have now made multiple attempts to have these issues rectified, directly with XXXX and with the credit bureau, and thus far have only been able to have debts erroneously reported as still owed marked as paid. 
The credit bureau has failed to investigate the claim, instead they suggest that I dispute the item each time I speak with them. That has worked to no avail as they close the dispute after the XXXX states the information is correct, even though the documentation submitted to the credit bureau shows otherwise.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX they have 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) 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 1681sXXXX ( A ) ( XXXX ) 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: Account information incorrect

XXXX XXXX XXXX XXXX aka XXXX has been reporting false account information on my credit report for at least 3 years. On XX/XX/XXXX they updated a closed account from XX/XX/XXXX by changing my payment history. XXXX admit to reporting false information on my credit account for 3 years. My XX/XX/XXXX payment status went from 180 days late to 120 days late. Which dropped my credit score 91 points. On XX/XX/XXXX they admit to reporting false info on my payment status from XX/XX/XXXX from 180 days late to 120 days late. Dropping my credit score 4 more points. I have court documents that remove me from the responsibility of the loan. When I asked Equifax to investigate this I did not receive any help. I would like this investigated and removed from my file for falsely reporting inaccurate info for all these years. They have no reason to go back now and change my credit score. The account is closed and settled. Equifax also needs to be in trouble for not investigating what XXXX are doing here. XXXX reports false info on your credit file BEWARE!!!!!!
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX  data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Received bad information about your loan

I tried to contact XXXX in XX/XX/XXXX of this year and requested proof that the bill was due. I was a student there from winter XX/XX/XXXX until Spring XX/XX/XXXX when the semester ended. I was not made aware of any other classes needed to be taken and was even allowed to get my unofficial and official transcripts sent to three other colleges I attended since then. 

I was planning to attend a XXXX college this fall and to my surprise I could not get financial aid due to this issue. After speaking to the XXXX representative I was told a list of fees could be sent out to me yet I never received it. Then I reached out to Great Lakes where the loan was being collected and asked for a deferment form and it was not sent out either. So I contacted the Department of Education and asked for the signed promissory note. It came in the mail two weeks ago and while it had my name and a temporary address listed on the signature line my signature was not there only a host of letters and numbers.
Complaint sub-issue: Attempted to collect wrong amount

There was never any money owed to XXXX.. The collection agency has false information and will not work with me to try to resolve. They reported to the credit bureau and will not try to resolve or work with me on any of my attempts. its only {$220.00}. i offered to pay the amount just to get it off my credit. But they still will not make an effort to remove their mistake.
Complaint sub-issue: Charged too much interest

Received letter from Citigroup stating that they sent a check on overcharge on interest charged but that it had not been cashed So I contacted them and they said they would send a new check in four or five days A week later no check I contacted them a second time and they gave me a case number XXXX and they would contact me in 24 hours Nothing happend Four days later I contacted them and they were not responsive
Complaint sub-issue: Investigation took more than 30 days

I disputed the Validity and accuracy of some alleged debts that were seen on my credit report that was provided by XXXX.I submitted the letter by priority mail certfied on XX/XX/XXXX which they received on XX/XX/XXXX. They have fail to respond to my request per the letter that was sent and I have checked online to see that the dispute has not been updated or resolved as of yet.
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX for a living and years back before i lost my wallet with all my credentials in it. I am not a person that checks their credit frequently but i recently check it because i am trying to get a house for my family and i saw a few accounts on my profile that i have no idea about. I reach out to the credit bureaus XXXX equifax and XXXX  regarding these accounts and they explain to me that i need an FTC report to support my dispute. I am a victim of identity theft. Absolutely none of the accounts listed are related to any purchases done by myself. I am asking that these accounts be deleted from my credit report as soon as possible
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # 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. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Who certified the information to be true and factual? 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.