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

I submitted disputes to Equifax and XXXX two of the three credit reporting agencies to let them know that these accounts of bankruptcy in the public reports se action of my credit report were not mine and they stated that they completed an investigation and stated these accounts were verified as mine and I asked for proof of these investigations and how these investigations were conducted and verified in which they failed to do without going to a courthouse that these papers were claimed to be filed in. so I would like these accounts removed from my credit reports from these agencies at once.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Account information incorrect

Someone applied for loans from Sallie Mae Bank and XXXX XXXX  XXXX XXXX XXXX. Now there are a total of 4 hard inquiries on my credit report that need to be removed.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have had a XXXX account since the year XX/XX/XXXX. According to my credit report it is in satisfactory condition as far as payments. On XX/XX/XXXX, I went to XXXX to make a purchase using my XXXX XXXX  credit card. At the time the sales person asked me if i was interested in changing my current level to a platinum level or a gold level for more savings and perks. I confirmed with her it was the same account just upgraded. She assured me it was. I received bills paid them. I one day received a letter that stated my payment was due and to disregard if payment was sent. Due to the fact a payment was sent I ignored the letter. I then received the actually bill which I had not received. I called XXXX XXXX and discovered there was two accounts at the same level, the account was not changed to a platinum or gold level. I expressed my frustration and asked to speak with someone regarding the matter. I was told over the phone that I should go to XXXX XXXX  and complain to the person who opened the same type of account and did not close the other one. At this point I felt it was beyond speaking to someone at XXXX XXXX. I then wrote two letters to dispute the problem and asked for the one that was opened in error by the person at XXXX XXXX to be closed in order to protect my excellent credit score. I received a reply back stating it was to late it was already reported, but I did not receive a response to the letter sent concerning the employee who opened the same type of account. The amount that was owed on the new account was original {$170.00}. I have been paying off total balances on the old account each time I have gotten a bill. The old account bill is mailed, due to the fact that a second was opened it appeared as if it was the same bill already paid. The second bill also did not seem to be mailed as often. ( So it appeared ) It is absolutely absurd to open the same exact account level when the original has been used and paid off without any issues. Due to the error on the part of the clerk whether it was done for her to gain a commission by having people open new accounts when they already had them. Or simple done due to human error it has effected my credit score and rating causing a adverse effect on my credit report. I wrote XXXX XXXX to assist with this matter of combining the accounts and coming up with an arrangement and trying to figure out which account is which, I received no reply. I have an outstanding history of paying my bills on time, I have the funds and the ability to pay off this bill and have. But I should not have to pay the late fee or have my credit damaged because of someone else 's error, which could be consider fraudulent behavior on the part of the sales clerk at the store.
Complaint sub-issue: Account status incorrect

US Bank is reporting late notations for XXXX on a credit account and XX/XX/18, XX/XX/18, XXXX on my mortgage account. I went through some pretty serious hardships and paid as soon as I could. I ask that US Bank please make a one time goodwill adjustment and remove the late notations on my credit file. This would help a ton and I have been a very long time customer and love banking with US Bank and ask they make a one time exception and remove the lates.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNT LISTED IS FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT LEASE IN MY NAME I HAVE CONTACTED THE POLICE DEPARTMENT AND FEDERAL AGENCYS FOR CRIMINAL COMPLAINTS I am writing to request and initiate a formal complaint against XXXX, XXXX and XXXX  CRA. On XX/XX/2020, I mailed XXXX, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Complaint sub-issue: Their investigation did not fix an error on your report

I received notice that my insurance paid 100 % of the contracted payment amount permitted for a surgical procedure. Subsequently I received a credit alert showing a collection account on my credit bureau. I immediately contacted & resolved the discrepancy with XXXX @ XXXX XXXX XXXX XXXX with the assistance of my insurance company. XXXX assured us that the collection reporting would be removed from my credit reports, but, it was only removed from 1 credit bureau not all 3.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello. I'm coming to you for assistance because I don't know what else to do anymore. I've been trying to get accounts deleted from my credit report for the last three months and the credit bureaus keep the accounts on the report. There should be no reason why these accounts should remain on the credit report since I have a deletion letter from the collection agency that these were supposed to be removed back on XX/XX/XXXX. This letter even has AUD deletion control numbers on it. 

I have contacted the credit bureaus myself and have submitted this letter as proof these accounts should be deleted. They still remain. We are now on XX/XX/2022, and these accounts are STILL on my reports. To make it even worse, they were deleted for a short period of time, and then reappear. I've called the collector to figure out what is going on, but they have submitted an AUD deletion request three times to the credit bureaus. At this point, I have no choice but to file this complaint through you otherwise I will have to file a complaint through my local small claims court. Please, please, please get the credit bureaus to do their jobs. We aren't in a pandemic anymore, so there is no excuse as to why this hasn't been done by now.
Complaint sub-issue: Debt is not yours

{$250.00} a Disputed Debt with XXXX. XXXX  was guilty of Breech of Contract & is TRYING to use collection agencies in an attempt to extort the amount from me. I send a dispute letter to the collection agency & they choose to not only ignore it but to put it on my credit report. This is not only unethical but illegal!
Complaint sub-issue: Public record information inaccurate

I have a number of inquiries on my report from when I purchase my vehicle in XXXX XXXX 2017 I asked the Dealer to send this information to ONE place not multiple, in addition I have a bankruptcy on my credit report that I NEVER filed for, I have never had enough debt for a Bankruptcy.Lastly My Correct Name and Address is as follows XXXX XXXX ( I have never gone by anything else ) XXXX XXXX XXXX XXXX Ct XXXX! Is my ONLY address
Complaint sub-issue: Reporting company used your report improperly

Equifax an XXXX credit report agency allowed someone to report me deceased illegally with proving identification an death certificate or report it to the social security agency an why my date of birth was illegally change contain credit in my name by other companies this company an agency or in violation of my civil rights cause me have credit problems lost wages in the data systems I want to know who use my name an reporting me deceased everything should be removed off my credit report should nobody have access to my personal information with out my consent my life been toking from me an reporting me deceased an I still have to suffer with bad credit XXXX or XXXX why someone using my credit in my name I requested a full disclosure report from XXXX an XXXX from XXXX an Equifax see who was using my identity
Complaint sub-issue: Information belongs to someone else

I noticed this fraudulent inquiry on my Equifax credit report and I've disputed it several times with the company and Equifax and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiry immediately, thank you. 

Hard Inquiry Date XXXX  XX/XX/20
Complaint sub-issue: Debt is not yours

In XX/XX/2019 I contacted XXXX services in New York to inquire about opening an account to use their internet services in my new home in XXXX. After learning that the available internet speeds on their service was not satisfactory, I informed the customer service representative I was on the phone with that I was declining service as I was not interested any longer. I proceeded to have internet service installed by another provider. In XX/XX/2019, I received a bill for internet services and for installation from XXXX despite the fact that I indicated I did not want their service during my phone call and I did NOT have any equipment installed at my home. I proceeded to contact XXXX several times over the next few months as they continued to bill me. I spoke with numerous departments and never got it resolved. I have now received debt collection notices from two different debt collection businesses working on behalf of XXXX. The first debt collection notice came in XX/XX/2019 and I sent a letter disputing the debt and did not hear from them again. I received a new notice from a new debt collection business just now regarding this same debt. I can not figure out how to get XXXX to stop seeking collection on a debt I did not incur. I appreciate your help.
Complaint sub-issue: Can't close your account

Someone fraudulently opened a XXXX XXXX card using my name with USBank. I tried countless times to report fraudulent activity to USBank using the number provided on their website ( XXXX ). I was redirected to another number XXXX and they tell me they can't help me close the account or report the fraud. I am just trying to make sure the account is closed/not activated and report the fraudulent activity.
Complaint sub-issue: Their investigation did not fix an error on your report

The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. XXXX XXXX   XXXX
Complaint sub-issue: Information belongs to someone else

I am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges ..I am requesting that the items be blocked to correct my credit report.. XXXX
Complaint sub-issue: Charged too much interest

I am having trouble with Citibank 's interest calculations. On XX/XX/19, I submitted a payment of {$24000.00} to my credit card that I believed would pay off the total on the card. This was 2 days before the billing cycle closed and before my statement was completed. When the statement arrived, I overlooked reviewing the statement because I believed the balance was paid off. However, shortly after, I began receiving harassing phone calls for my overdue account. I explained that I had paid off the account, and assumed the error would be corrected. However, this problem continues, and I researched the issue. It seems that rather than zeroing out my account when I paid it off, Citibank charged interest- $ XXXX for a large purchase- $ XXXX that I paid off during the same billing cycle. They then continued to charge late fees for 3 months on the erroneously charged interest. When I phoned to resolve the issue, the operator continued to tell me that the fee is due to the {$990.00} balance I carried over from the prior month. When I told them the interest rate on my card is 15.24 % and the interest should be no more than {$12.00}, they continued to argue, making various points, but none of them holding up to our credit agreement.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed the XXXX account with Equifax credit bureau from my credit report ; the results from the investigation is inaccurate and should be removed from my credit report by XXXX XXXX. I called XXXX and they sent me via email my payment history. The payment history/letter clearly states this debt is good Through XX/XX/2020 ( 7 years ).  However, Equifax doesnt have the same information from the investigation that was provided to me as updated and again inaccurate. I forwarded the payment history from XXXX to Equifax today with hopes that debt will be deleted due to the statement from XXXX debt good through XX/XX/2020 and the 7 year statute of law. XXXX  has already removed the debt from my credit report as of XX/XX/2020.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX and XX/XX/XXXX, I made two large payments to XXXX XXXX XXXX, a lawfirm handling the collection for Sears / Citibank credit services to settle the balance of a collection on my credit report. Since then I have not been able to receive a {$0.00} balance letter from Sears/Citibank. I have made multiple calls, the last on XX/XX/XXXX or XX/XX/XXXX, I can not be sure as I have called so many times. This last call I was told that a letter would finally be issued to me in which I received on XX/XX/XXXX that shows a {$0.00} balance. Low and behold, the account number did not match up. I contact Sears/Citibank " escalation team '' yet again. Now they are telling me that the letter I received was for an older account that eventually was transferred to the collection account and that it was sent in error. They are telling me that I will not have a {$0.00} balance letter for 60-90 days because this is how their system is set up. I feel that after speaking to the last representative that sent me this wrong letter, sent the letter to trick me in thinking it was what I was needed and to just get me off of the phone. I've called their attorney 's office and they can not answer as to why Sears/Citibank can not issue a {$0.00} balance letter as they have had the funds from their account ( attorney 's ) since XX/XX/XXXX. There shouldn't be an issue as to whether it will clear or not. In addition, I had a home closing on XX/XX/XXXX that I have now lost because of this account. So I paid $ 3800+ dollars to Sears/Citibank for no reason and I have now also lost {$5000.00} in deposit monies for my home. I ; m pretty sure that this is in violation of the FCRA.
Complaint sub-issue: Trouble with how payments are handled

Summary of Personal Experience with Sallie Mae Student Loan I began making regular payments on my Sallie Mae student loan in XXXX 2015. I had just graduated and started working and wanted to pay them off as soon as possible because of the very high interest rates ( XXXX {$10000.00} loans@9.75 % & 10.25 % ). 
I signed up for auto-debit payments on a 10-year standard plan, but also planned to make extra payments on the loan. I called Sallie Mae to see if they would allow me to set my auto-debit at a higher amount than the minimum payment due, or if I could select an additional amount to be auto-debited to help me pay the debt faster. Sallie Mae informed me that there was no way to set that up and that their system only allowed the calculated " minimum payment '' to be auto-debited. If I wanted to make extra payments, I would have to log into the account online or call them. For several months I logged into my account at the end of each month and made a manual extra payment. 
After a few months of extra payments, I noticed that Sallie Mae 's courtesy auto-payment email reminder listed a lower auto-debit payment amount than I had originally been paying. I called them to find out why my auto-debit amount was decreasing. They could n't answer why that was when I called, and asked if it was okay if someone " researched '' my account and called me back in 5 days. Before the 5 days was up, I realized that the reason my auto-debit was deceasing was probably due to the extra payments I had made on the loan. I was trying to pay the loan faster, but Sallie Mae was adjusting the auto debit amounts to catch me back up to a full 10 years of payments. 
I called Sallie Mae and requested that they not decrease my auto-debit payments because I wanted to pay the loan early and I like to keep a budget and it helps to know the exact amount that will be debited each month. Sallie Mae told me that unfortunately " their system '' generates the auto-debit amount and that it can not be adjusted. Their system will keep decreasing my auto-debits as long as I made extra payments. They told me that if I wanted a constant payment I would have to log into my account on the same day as my auto-debit and manually " make up the difference '' every month. 
Customer Service Issues : Calling Sallie Mae was an incredibly frustrating experience. For example, I was often put on hold for hours at a time without ever reaching a supervisors or anyone with answers to my questions. When I asked politely to be transferred to supervisors or managers who had more experienced knowledge I was told " no problem '' and then transferred to another call representative over and over again- never reaching a person who could answer my questions. The call representatives refused to provide their names or their names of their supervisors or provide me with direct contact numbers so that I could resolve my questions/issues more quickly.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, my husband and I sent an investigation request to Equifax. My husband received his portion of the response weeks ago, but I have yet to receive my portion of the response.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX 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 an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called XXXX XXXX. Sec. XXXX ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Complaint sub-issue: Attempted to collect wrong amount

Jefferson Capitpal is in violation of the FCRA and FDCA I believe to my lawyers knowledge as well as my background involve with these laws. The company seems to have bought this debt from XXXX which has unfortunately sold them a in accurate account based or dispute with them that they refused to correct.As well This company should be reporting the first day of collection based on the info from XXXX and not showing as recent collection with them.They must report the original date of collection, Instead they are reporting it as it is recent which is causing other companies to deny credit based on there incoorect date and violation of the FCRA and FDCA.They know this hoping it will harm a consumer more by reporting false information, As well the amount is not correct and other information I am not disclosing because they should know this, instead they expect consumers to correct there mistakes for them .No attempt was ever made by them as well in neither letter or phone call which I only accept mail communications and they have failed to do so cause I could have reported this and dispute then.