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

In XXXX of 2019, Discover reported on my credit profile a late payment of 30 days. This account was set up on autopay and there was an issue with the auto pay in XXXX. On XX/XX/XXXX I got an email from Discover saying they've received my payment. Discover did not alert me that there was an issue with the payment in a timely fashion. The next email I received from Discover was in XX/XX/XXXX or XXXX alerting me to a problem. As soon as Discover informed me autopay did not go through properly, I immediately corrected the problem and paid the balance down to {$0.00}. This is not enough time to properly inform me, the consumer, that there is any issue that needs to be resolved. I was under the impression that autopay was going through as intended.

I contacted Discover recently who told me that I was not late and I have chat logs to prove this. They advised me to contact the credit bureaus to dispute this. I did this and Discover told them it was reporting accurately, even though they told me it was not reporting accurately and that there was no 30 day late payment.

I have been a good customer with Discover and pay my bill on time every month, usually for more than the minimum due, and frequently pay the balance in full. I want to be treated like a valuable customer and not like a deadbeat because of an issue that Discover could have easily prevented if they had notified me properly of any problems. This oversight from Discover has caused my credit score to dip drastically and increased interest rates when using credit.
Complaint sub-issue: Deposits and withdrawals

I have made a transaction of {$8000.00} on XX/XX/XXXX using Citibank online banking with option 'Add funds ' where I have put my XXXX by XXXX XXXX bank XXXX account credential to withdraw amount from this saving account. The amount {$8000.00} has been debited from XXXX XXXX account on XX/XX/XXXX but the amount is not credited back to my Citibank checking account. 
I got an email from Citibank on XX/XX/XXXX that the transaction has been failed and the money will be credited back to my saving account within XXXX business days. Its been more than XXXX weeks now but I haven't received the money back to my XXXX XXXX account. I have called XXXX XXXX and Citibank customer cares for more than XXXX calls ( every XXXX days XXXX and every time I get response that this will be resolved within XXXX hours which is not done yet. 
XXXX XXXX bank representative says that since you authorized this transaction so the fund was released so need to check with Citibank. When I call Citibank, they say the fund was not released by XXXX XXXX so need to check with them only. 
In order to resolve this I conferenced them together ( XXXX bank representative and Citibank representative XXXX on call on XX/XX/XXXX and that time XXXX from Citibank said that the problem is with Citibank and we will resolve it from Citibank side but this is not resolved yet even after passing 1 month since that call. 
Since this is very big amount and I am not sure where is my money so I am currently depressed and not sure when will I get my money back. 

Request you to please ask them to return my money of {$8000.00} back. Thanks. 

XXXX, XXXX # XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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: Information belongs to someone else

Account owner : Individual Account Date reported : XX/XX/2021 Date assigned XX/XX/2021 Account Status : Unpaid Creditor Classification : Cable/Cellular Original Amount : {$790.00} Original Creditor : XXXX  ; last four of account number : XXXX Collection Agency : XXXX XXXX , XXXX Status Date : XX/XX/2021 The above information is reported on my EQUIFAX Credit Report. The last for digits of the XXXX  account in question is not my account. I have called Equifax several times trying to obtain additional information that would show that this debt is mine. I have also filed XXXX complaints with Equifax. Thus far, Equifax has refused to provide any additional information. 
I have also contacted the original creditor ; XXXX. My actual XXXX  account number is XXXX, not the one listed above. They have no record of my account ever having been past due. I have also called the collection agency ; XXXX XXXX , XXXX, they can not find an account with any of my information on it.
Complaint sub-issue: Other problem

I requested a credit card for XXXX XXXX XXXX from Citibank N.A. which was approved. I received said card by U.S. Post with ; NO ACTIVATION REQUIRED! 

This card, tied to MY Credit History was allowed to be handled by countless people, ACTIVATED! 

This Practice Has Got To Be STOP. 
Protect Consumer indenty and credit. 

I closed acct.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Sallie Mae continuously harassing me and my family with their harassing calls after repeatedly telling them to stop calling one of our numbers. I recorded a call saying that they would take a number off the list of numbers that they call only for them to repeatedly go back on their word. Sallie Mae continues to lie and manipulate customers like me who are struggling during a worldwide pandemic not caring or being considerate of the situation we're facing.
Complaint sub-issue: Not given enough info to verify debt

I received a collection letter f rom LJ Ross  on  XXXX  for an unpaid account from  XXXX  on  XXXX / XXXX /  XXXX  . I was sure I paid that account in full but being so long I was n't exactly sure now ... So I sent a dispute letter on  XXXX  asking how I owed on this account a nd why LJ Ross  is collecting on this account but never received any information back. Under the Fair Debt Collection Practices the collection agency is not allowed to further collect on this debt until it is verified. They are still trying to collect by posting it to my credit report.
Complaint sub-issue: Other problem getting your report or credit score

i am having a problem getting a copy of my Equifax Credit file. My Lender has requested several times to get a copy of my report and each time they have denied a copy. I called on XX/XX/2021 and Equifax had me fax a copy of my ID and social security card and write a statement asking them to release all holds and freezes after been told to me that there are not any holds or freezes on my account. I have spent three days in a row calling to get to the root of the problem and everyone I speak too says there are no holds on my account and then my question to them is why cant my bank get a copy of my report and why I'm I not able to view it online there answer is always that they need to call the business line. My lender did just that and still wasn't able to get my report they told them to contact me to call Equifax. I again called XX/XX/2021 spend two hours on the line to be told the same thing I was told when I called on the before is that there are no holds or freezes. They told me that I could get a copy mailed to me but it could take 10-15 days. I told them that I have been waiting months and still I have not received the one I ordered in XXXX XXXX and they have my address correct because every time I call i have to answer the security questions and the address is one of them.
Complaint sub-issue: Other problem getting your report or credit score

When i purchase credit monitoring services, I never can get my equifax credit score. That section will just be blank. 

I double checked to make sure the name they have in system matches up correctly.
Complaint sub-issue: Talked to a third-party about your debt

XX/XX/2019- unknown debt collector called my phone asking for my name and when I said yes ... they hung up and slapped a {$2500.00} onto my credit report. I sent a dispute letter to the credit bure

aus asking to please investigate and verify this account. for2 months I was receiving debt collectors calls after changing my phone number and blocking spam calls. I still was receiving calls so I upgraded my phone service to blocked any unknown or likely spam calls so that I wo
uldn't receive them at all.

, XX/XX/19- I received a letter saying that I owe the amount and they offered to be discount 25 % percentage to pay debt off, XX/XX/19I received my credit report saying that the debt was deleted because it could not be verified according to the FCRA. but then I saw it was reported to the other 2 credit bureaus XXXX  and XXXX.

, XX/XX/19, I received a flyer saying make full payment of 90 % off on your debt just login to the link below.

XX/XX/19 credit report got hit again with debt in the amount of {$2500.00}, I sent another certified letter to the creditor to please send me proof of my signature and how I owe the debt they claim is mine. and that I will involve my attorney for their illegal practices.

, XX/XX/19- the amount is {$2500.00} They sent a response letter saying that if the debt is not resolved, it may be reported to one or more credit bureaus and that it could adversely affect your credit.

As on XX/XX/2019 I sent another letter for them to send accurate proof of my consent/ signature of so-called owed debt, Haven't received a response yet. 

The Creditor is Hunter Warfield and the original creditor is XXXX XXXX XXXX XXXX which I was never notified by the original creditor of any debt and why I was being billed.
Complaint sub-issue: Account status incorrect

XXXX has reported my account late from XX/XX/XXXX-XX/XX/XXXX. I filed for covid 19 assistance with XXXX to move the payments from XX/XX/2020 to the end of my balance yet XXXX continues to report late to the credit bureaus. I have copies of every payment made to XXXX which I have paid on time. I have contacted XXXX CEO and was told they will not remove them even though I have proof they were not late! XXXX is currently involved in two class action lawsuits regarding violations of the Telephone Consumer Protection Act ( TCPA ) as well as the Fair Debt Collection Practices Act. The lawsuit also alleges XXXX breached its own contracts by charging improper fees. I have been told I dont qualify by the AG office even though I received my car in the time frame listed in the lawsuit. I just want the late payments removed from my credit and reporting correcting!
Complaint sub-issue: Information belongs to someone else

This letter is to formally inform you that I recently received a copy of my consumer report that your company publishes. Upon review of my consumer report, I found an item that is inaccurate or questionable. The account in question is a BANKRUPTCY. Listed under BANKRUPTCY FILING # XXXX, Bankruptcy Court Details : FLORIDA XXXX XXXX XXXX. Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the bankruptcy along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The XXXX XXXX, containing XXXX fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing XXXX fields, which provides the specific account information for me, The Trailer Record, Containing XXXX fields, which summarized the data submitted to your bureau specific to my particular file. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning this bankruptcy that you are reporting in my credit report. NOTE : Please dont respond to my request by saying that these accounts have been verified because I have never been sent proof of such. Instead, send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of this bankruptcy then please delete this immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified item on my consumer report and distributing them to credit bureaus you are damaging my reputation and creditworthiness and I will seek damages if they are not removed and you are unable to provide the necessary documentation. It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for this bankruptcy within 30 days of receipt of this complaint then you must remove these accounts from my consumer report. Failure to comply with the deletion demand if you are unable to provide METRO 2 COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the State of Florida. Additionally, if you fail to comply with my deletion demand I am prepared to and will sue your company for the maximum civil, criminal and punitive damages available by law. Please provide me with a copy of an updated and corrected consumer report showing this bankruptcy item DELETED. I demand the following accounts be properly METRO 2 COMPLIANT verified WITH EVIDENCE or removed immediately.
Complaint sub-issue: Reporting company used your report improperly

I contact XXXX on XXXX XXXX, XXXX, equifax and XXXX  concerning inaccurate information on my credit reports. I sent letters on XX/XX/202 and XX/XX/XXXX, XXXX the first letter noone sent anything and the second letter they said they verified the information and didnt send any proof of verification as requested. This inaccurate information from XXXX on XXXX XXXX is affecting me and i need them all to remove the account immediately off my credit reports.This complant that XXXX on XXXX XXXX, XXXX, equifax and XXXX allegations are not within the accepting standards of reporting law and they are compelled to eradicste by deletion of any adverse indicatoer pr demonstate physically vertifiable eveidence adequateky validated claims.
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt is not mine

COLLECTOR KEEPS COLLECTING A DEBT NOT MINE AND RAN MY CREDIT W/O PERMISSION IN VIOLATION OF FCRA. ( SEE ATTACHED REPORT )
Complaint sub-issue: Problem during payment process

I have a loan with BESTBUY/CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and BESTBUY/CBNA were no successful resolution. XXXX  and XXXX   only reporting me late. There was definitely an error on their part. I was never 30 days late on XX/XX/2018
Complaint sub-issue: Application denied

My fiance and I both applied for a card with Citibank and were denied due to the fact that some information could not be verified. We were both told that we would receive a letter in the mail within 10 business days stating the reason why we were declined. However, neither of us have ever received a letter stating the reason for the rejection. We called customer service numerous times and were told that a letter would be sent, but neither of ever received such letter. We recently moved to a new location and felt that it had something to do with the address previously being associated with a business. With this in mind, we sent a letter demanding that the reason for rejection be disclosed to us and also included a copy of our current drivers licenses as well as two bank statements with the current address and our names to prove that it was the correct address. We have yet to hear one word from Citibank.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter requesting that you reinvestigate the disputed Accounts from my credit report as well as update these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX XXXX Balance {$2.00} Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows I never missed a payment. Please update it immediately. 

XXXX XXXX Balance {$400.00} The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account.
Complaint sub-issue: Public record

i have a sole proprietor business and file tax extensions every year due on XXXX XXXX the state of California filed a {$1200.00} lien on my home in XXXX 2010? my accountant figured my state tax burden of {$230.00} which I paid and the state released the lien still showing {$1200.00}, I had visited the state tax board twice and told oops sorry that was a mistake, I ask for a letter to send to the county and credit reporting companies but again they say sorry I will have to dispute so that they can be removed, XXXX removed the negative info but XXXX and Equifax have not and have been disputing every year since 2010 I do have the documentation showing the error and have sent to credit agencies with no success
Complaint sub-issue: Debt is not yours

During the time of XXXX I unknowingly had multiple upon multiple credit cards opened in my name. I am not the owner of this debt, nor did I ever apply to get these credit cards. I was under the age of XXXX at these times and did not even know what credit was or how to apply for a credit card, let alone go apply for over XXXX credit cards at the age of XXXXXXXX XXXX XXXXXXXX. I highly suspect my personal information was stolen by my XXXX XXXX The reason I highly suspect he did this is because I lived in his house at the time as well as my mother and XXXX  brother ( who also has a ruined XXXX XXXX because of XXXX XXXX  committing identity theft ). Again I lived in his house during these times these credit cards were opened up, which means he had very easy access to my social security card as well as my birth certificate or any other extremely personal information he could use to falsely identify himself as me in order to get some easy money. My XXXX XXXX XXXX name is XXXX XXXX XXXX. I am willing to give any information about him or myself in order to fix my credit. This is not fair and I should not have to pay $ XXXX in collections for XXXX XXXX XXXX XXXX actions. I am willing to do whatever it takes to prove this wasn't my wrong doing.
Complaint sub-issue: Reporting company used your report improperly

I reviewed my Consumer Reports and noticed that I had 1 late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Complaint sub-issue: Investigation took more than 30 days

back in XX/XX/XXXX i looked at my credit report and saw a account that did not belong to me i sent the credit bureaus the information the the account was not mine the did not reply the account was from XXXX XXXX, XXXX XXXX in the amount of XXXX on XX/XX/XXXX i was in XXXX at the time the account was open
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

My student loans have evolved to the point where they are completely unaffordable for me. Although I have been making my income based repayments, Fed Loan reported an increase of {$500.00} to my overall amount, this in turn caused my credit score to drop by 90 points! Although I have been making my payments, they just now reported this and there is no way I can stop it. My only alternative is to find another company to service the loan. Since the loan is so large, I haven't been able to do so. If this continues, not only will I never pay the loan off, I also will never have a decent credit score. My score dropped from a XXXX to a XXXX. I feel hand-cuffed and there is nothing I can do. had I known about the IBR earlier, perhaps I could have mitigated the amount of interest that was accruing. I may never recover from this.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update this suspicious account XXXX XXXX XXXX XXXX Balance {$17000.00}. I think CREDIT BUREAUS have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX XXXX, XXXX and XXXX, and I'm including it again.
Complaint sub-issue: Other problem getting your report or credit score

I am trying to unfreeze my Equifax Credit Report so I can get my mortgage refinanced. I tried all the avenues provided by Equifax - by automated phone and by website. When I used the automated phone line, I get to the very end and I get a message saying no person can assist me but there is no clear explanation why. When I tried the website, I get the same response. After 6 unsuccessful tries on the phone and 6 unsuccessful attempts on the website, I found a phone number where I was able to talk to a human. However, each time I called and explained my predicament, and after explaining that I have already tried the website and automated phone options, I still get sent to the automated phone option and none of the live customer service people can offer an alternative. I had 4 live person treat me the same way and the last one hung up before I could finish what I was saying. I had no difficulty in unfreezing my XXXX  and XXXX  accounts on the first try. Please call me at XXXX XXXX XXXX XXXX if you have any questions.
Complaint sub-issue: Reporting company used your report improperly

Equifax allowed my data to be stolen.
Complaint sub-issue: Reporting company used your report improperly

I have a hard inquiry from XXXX XXXX XXXX XXXX, I never got any financing from this company or shopped a car with them. 

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: Reporting company used your report improperly

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and end consumer credit plan as for any purpose