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

I sent a letter addressed to the 3 Credit Bureau requesting to conduct an investigation and correct the information being reported. The credit bureau must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting. 
XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX
Complaint sub-issue: Investigation took more than 30 days

Starting in XX/XX/2020 I have reached out the Bureaus almost 6 months now and they have not responded to any of my letters that I have sent. This is a Serious Violation and could be taken to court to proceed suing. They have violated the Fcra Statue of limitation for reporting inaccuracies and ignoring me. This is stressing me out because i  XXXX XXXX have the right to dispute anything inaccurate by law
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XX/XX/2022 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Conformation Number : XXXX To whom in May concern : Equifax mistakenly deleted my accounts below. Please reinsert my open accounts on my Equifax credit report. 

Other Accounts : XXXX XXXX XXXX XXXX XXXX ( Please see attachment ) Revolving Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Installment Accounts : XXXX XXXX XXXX  XXXX Please add my accounts back on my Equifax credit report. 

Thank you, XXXX XXXX XXXX
Complaint sub-issue: Funds not received from closed account

My second stimulus check for {$600.00}. was scheduled for XXXX deposit. The money was deposited into an closed acct. that was not mine. # XXXX. I had to contact the IRS on XXXX XXXX and they recovered the {$600.00}. and told me they have to mail it to me and it would take 5 weeks and I still waiting for it. Now, they sent me my XXXX. stimulus and it was schedule to be deposit on. XX/XX/XXXX into that same # acct. XXXX which is not my acct. My acct. # XXXX which I closed onXX/XX/ So, I need someone to look into this matter and close out the acct.XXXX. Now, I have to contact the irs again, so they can recover the check and mail it to me. I just received my new card. So, I'm requesting that someone look into this matter and close out that acct. XXXX. If you need to contact me. ( XXXX  ) XXXX Thank you kindly.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Know that this inquiry is unauthorized. I have not reached out to this company nor inquired about anything. There must be something wrong with XXXXXXXX XXXX  investigation which they should eventually correct. Please see the inquiry that is unfamiliar to me. 

XXXX XXXX Inquiry Date XX/XX/ 2020 2020
Complaint sub-issue: Information belongs to someone else

The following information needs to be re-investigated. These accounts should not be reporting on my credit report. 

XXXX ACCOUNT # : XXXX DATE Opened : XX/XX/XXXX This is not mine. 

DISCOVER FIN SVCS LLC ACCOUNT # : XXXX DATE Opened : XX/XX/XXXX This is not mine. 

XXXX ACCOUNT # : XXXX DATE Opened : XX/XX/XXXX This is not mine.
Complaint sub-issue: Account status incorrect

This account With XXXX XXXX XXXX XXXX was charged off in XX/XX/XXXX. They Have been updating this account with negative and positive payment history. The latest update was XX/XX/XXXX. I have NOT made a payment on this account since XX/XX/XXXX. this why the account was closed and charged off. 

They are illegally Re-aging this account on my Credit Report. This is affecting my credit score in a negative way. Which is a CLEAR violation of the XXXX XXXX XXXX XXXX. They are updating my account as if it is still open. I've contacted this company they where rude and unhelpful. I'v also disputed this account with all 3 Credit Bureau 's . They Did nothing as well. 

I hope this get this problem solved thank you
Complaint sub-issue: Problem with fees

Best Buy Credit Services, Citi Bank. Morally Bankrupt? 

First off, I think it is safe to say a {$60.00} fee on {$500.00} line of credit is outrageous. I think this fee is purposely more than the minimum payment so Citi can accrue interest on it by spreading the payment out over multiple months for customers enrolled in autopay. 

In XXXX I purchased a laptop on the CC to help with online classes I was taking at the time.I made several other purchases over a 6 month time frame. 

In XX/XX/XXXX I paid an annual fee and asked for the account to be closed, the customer service rep convinced me to keep the account open, as a favor she would reduce the amount I owed. To paraphrase, she explained it was in my best interest to keep the account open since the fee was taken care of. Understanding that closing a credit card could harm my credit, I enrolled in auto pay at that time. 

In XX/XX/XXXX an automatic payment was applied to the account for the XXXX annual fee but not for the total amount, I switched banks between XX/XX/XXXX and XX/XX/XXXX. The next month the payment failed. 

I have another account with Citi that I was current on this entire time. 
I called in late XXXX to close the account and I thought this brought me to a XXXX balance but apparently I was mistaken. 

As of XX/XX/XXXX my credit report reflects the account is closed by the creditor. Late payment of over 90 days balance of {$150.00} that Citi forgave and did not send to a collection agency. 

As a result my credit score was dinged about 80 points from around 705 to XXXX Citi employee XXXX of Best Buy Credit Services team # XXXX denies that it was predatory to offer to reduce my balance if I would consider keeping the card open in XXXX. Citi also denies that a {$60.00} fee for a {$500.00} line of credit is predatory because I could have requested a credit line increase at any time. Citi claims that as a young person I am a credit risk and thus a {$60.00} fee is justified.
Complaint sub-issue: Debt was paid

Report Number : XXXX Date Generated : XX/XX/XXXX Account Name LOANME XXXX Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Closed. {$2500.00} written off. 

Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$2600.00} Highest Balance {$0.00} Terms 47 Months
Complaint sub-issue: Having problems with customer service

My Fed Loan Servicing as consistently mishandled my student loans since taking over my student loan process. In the last year I have had the following issues with the service provider. I believe that this service provider lacks accountability and oversight. The representatives do not take ownership for the lack of follow through and do not know the student loan process well. 

1. ( Current Issue ) I submitted a REPAYE request online and selected a one month forbearance during the time that my loan is being processed. I am currently making payments towards the Public Service Forgiveness program and will like to make continuous payments in order to avoid extending my payment length further. It has been over a month and my application has not been processed. I have made my {$5.00} payment and have received notice that my next month 's bill will be over {$1100.00} which I can not afford because the service provider has not processed my loan. 
2. For almost a year the # of qualifying payments for my Direct Sub/UnSub Loans have had different amounts of qualifying payments for public service forgiveness. I asked the servicer to reconcile these numbers because the loans were consolidated at the same time. The request had to be submitted multiple times. Finally the # was reconciled and it was reconciled to the lowest # of payments. Also, the servicer sent me another person 's loan information in the process which disclosed their personal information.
Complaint sub-issue: Account information incorrect

False repossession and delinquent accounts plus a whole bunch of credit inquiries on my XXXX, XXXX  and Equifax which are not mine. I've been wasting alot of my valuable time just on the phone and disputing
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account ( s ) XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax 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

MOHELA/DEPT OF ED is violating my consumer right by sharing my nonpublic personal information without my consent or providing me a proper notification of my right to opt out before doing so. This a violation on my customer right under the law.

Account : XXXX  15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6803 - Disclosure of institution privacy policy
Complaint sub-issue: Reporting company used your report improperly

My information was leaked in the recent Equifax hack. I was listed as one of the potential victims on their reporting tool. A sufficient amount of my data may have been captured which would give an attacker enough tools to damage my credit by accessing accounts which only require a date of birth with social security number.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureau to verification on everything on my credit report. 
They replied back stating that every thing was accurate. 
I did research myself and fought improper inaccuracies on my reports. 

1.XXXX : XXXX Account type is incorrect. 

2. XXXX XXXX XXXX : XXXX Number of late payments reported is incorrect, Update to never late. 

3. XXXX : XXXX I was never 30 days late on this account, Please update to paid /never late. 

4. XXXX XXXX XXXX XXXX The account balance is incorrect. 
5. XXXX XXXX XXXX  : XXXX The payment status is incorrect /High balance is in correct.

6. XXXX : XXXX The first date of delinquency is incorrect 7. XXXX : XXXX I was never late during the months shown, Please update to never late. 
8.XXXX XXXX XXXX XXXX Account is OPEN 9. XXXX XXXX : XXXX THIS Account was paid in full BY XXXX a letter was furnished from the company to the three bureaus.

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: Credit card company isn't resolving a dispute about a purchase on your statement

Originally, I used the credit card to pay a year of phone service on my brother 's ( XXXX ) account with mint mobile on XX/XX/2019 in the amount of {$190.00} billed as XXXX XXXX XXXX CA. However, on the same day the phone payment was placed on a security hold SECURITY CREDIT-ITEM UNDER INVESTIGATION. 

Because of the problem, I have had to use another credit card XXXX XXXX to pay for the phone service, because once the charge was reversed, the phone company disconnected my service. I also called into Citi soon after, letting them know that the charge was legitimate. 

Citi reports that they reinstated the charge and paid XXXX XXXX on XX/XX/2019. However, XXXX XXXX has no record of the payment. So essentially, I have paid XXXX XXXX three times, once from Citi ( reversed ), once from XXXX XXXX, and again from Citi ( after the security hold was lifted ). However, they only have a record of the XXXX XXXX   credit card payment and the reversed Citi payment. 

My brother and I have called/emailed both XXXX XXXX and Citi multiple times. XXXX XXXX insists they have no record of the transaction and Citi transfers me repeatedly between customer support and their security dept, but neither can help me. Citi has reported that they are unable to dispute the charge as XXXX has recommended.
Complaint sub-issue: Information belongs to someone else

Ive contacted the company numerous times to try and resolve this matter I submitted deletion letters from XXXX XXXX, XXXX and XXXX XXXX XXXX instructing that the accounts are fraudulent and to furnish me info on how they are verifying the info. XXXX refuses to cooperate with me violating my rights as a consumer to disputed errors on my report. Theyve block the access to dispute these accounts for fraud as well as gettington bank and applied bank these are also fraudulent accounts enshrined refuse to investigate them and they have not mailed me a copy of my report. Ive disputed on XX/XX/17 XX/XX/17 XX/XX/17 XX/XX/17 its been more than 30days now and they havent updated my report to reflect deletion of these fraudulent accounts
Complaint sub-issue: Account information incorrect

This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
VW CREDIT XXXX XXXX Opened Date XX/XX/2018 Balance {$9900.00} // Charge Off
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$50.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14.00}
Complaint sub-issue: Reporting company used your report improperly

N accordance with the fair credit act XXXXt account # XXXX, and 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 without instrcutions 15 U.S.C 1681C. ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years 15 U.S.C 1681s 2 ( A ) ( 1 ) 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: Credit card company isn't resolving a dispute about a purchase on your statement

I initiated a chargeback with Citibank for a merchant charge with XXXX XXXX. Citibank 's reversed that chargeback, but refuses to provide me with the specific guidelines they use to make chargeback determinations In my conversations with Citibank, I have been urged to initiate another dispute for this matter. In support of my new dispute, I, or and/or my attorney will need the guidelines used by Citibank investigators to permit or deny disputes. As a law enforcement officer, in order to take enforcement action, I must follow written rules. Citibank must also follow certain guidelines. It is not a reasonable request for myself or my attorney to initiate the new dispute that Citibank has requested without being completely privy to the guidelines Citibank claims to be following in it's decision making process.
Complaint sub-issue: Account information incorrect

On XX/XX/2021 my credit score decreased by XXXX points for an account in good standing that I verified with company of card is still open. Credit Karma removed this card from my credit profile causing my score to fall XXXX points. I contacted the bank of card and they have verified that this is an error on Crefit Karmas be-halfand they assured me this account was NOT removed by them. 
Also, I checked today and it has fallen an additional XXXX points due to an addition of a credit card they highly suggested I needed for my credit profile. 
They also told me by removing a delinquent account it would raise my score XXXX points. So I paid account in full resulting in removal of derogatory account. It didn't have a positive result, in fact there was no change to my credit score. 
Currently, I'm most frustrated with the fact they have accidentally or at fault of theirs have unlawfully removed a good standing account from my report for no reason. 
I have contacted them and nothing has been resolved. 
This should be illegal. 
Here in trying to get a mortgage loan and they have ruined that.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX  XXXX XXXX has an account being posted on all XXXX of my bureaus with the account # XXXX, reporting multiple late payments on my credit report that is severely hurting my credit score against all 3 bureaus where I am unable to qualify or get a mortgage loan. The accounts are paid off and were always in good standing to my best knowledge however it's an account that has 2 late payments. Now according to 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Their investigation did not fix an error on your report

I have attempted to correct this situation with Equifax on multiple occasions but they are non-compliant and negligent in their reporting of my account they have still after multiple attempts did not remove the inaccurate items listed in the following complaint.
Complaint sub-issue: Problem while selling or giving up the vehicle

I purchased a car from Carvana and gave yet to receive my car as promised on XX/XX/XXXX. Included in the attachment is an account of what happened. My delivery of my XXXX XXXX XXXX XXXX has continuously been pushed back and effected me a great deal. At this point apologies and excuses arent helping. Give me my car. Now I have loan payments coming up for a car I dont have.
Complaint sub-issue: Problem with fees

Discover has a XXXX EST cutoff time for payments to post on an account on the same day. On XX/XX/2021 ( my due date ), I submitted my monthly payment at XXXX EST. Despite submitting my payment on the due date, I was charged a late fee because it was after XXXX EST. This policy and/or practice is unfair to credit card customers. Even if payments submitted after XXXX EST can not post on the same day, customers who submit payments between XXXX EST and XXXX EST should not be charged a late fee if submitted on the due date. I have several credit cards with other financial institutions and Discover is the only institution I know that has this policy and/or practice.
Complaint sub-issue: Personal information incorrect

I changed my name over a year ago. I contacted all my credit cards, banks, etc. to get everything updated. When I tried to get a loan for a house purchase Equifax ( and only this bureau ) is telling the bank " this account is frozen. '' I spend hours trying to get a person to tell me what the issue is. They constantly keep trying to direct to go online ( which online tells me I MUST call ), or to use their phone system ( which isn't working for probably the same reason ). Any time I asked to speak to a manager, I would be cold-transferred back to the original call-in queue. 

Finally someone helped uncover my issue that they were still using my old name. They then claim that the only way that they can correct is is for me to snail mail or fax copies of sensitive documents to them, and that it would be resolved about a business week after they get them. 

I didn't need to contact any of the other credit bureaus, as they must have gotten the updates automatically from court orders, CC companies, and banks. Furthermore the requirement that I have to send something in to them and they don't accept email in the 21st century is absurd- It should be my call as I have already done it for the banks. 

Also, a 20 minute process of navigating their automated phone maze and entering in data multiple times when I know the outcome is " we can't find you in the system '' is ridiculous- and then when the agent picks up the phone none of it was transferred over to them should be considered abuse. 

This company should not be allowed to operate how it does, especially considering it's effectively a required service for most Americans. They should be disbanded and the federal government should run and fix these problems - a private industry 's only motive is cash- and it shows they don't have the staff and knowledge to run something so critical.