Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem during payment process

This account was closed, was in payment program with payment of {$100.00} to be made XXXX of every month. 
My credit card account had a balance of {$2000.00}. I called on XX/XX/XXXX and made a payment with the help of customer service representative. He gave me a confirmation number. The amount was showing pending for several days. On XX/XX/XXXX, I checked the account online ( as XX/XX/XXXX was Sunday ) to see if it's paid off, but found my {$2000.00}, presumably, reversed and instead the {$100.00} amount processed for it. 
I contacted customer service, talked with several of their representative, I even called the collection department, but they all in one voice say that they don't see a {$2000.00} processed. To my question, how can I ask to investigate, to go to the record of my phone call and confirm that I made the payment, they said that there is no such department that will investigate it and they're just sorry for what happened.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX and XXXX XXXX XXXX have contacted me stating that I owe {$4000.00} to Citibank USA N.A.  with an original date of XX/XX/XXXX and a change off date of XX/XX/XXXX I did send them a certified letter on XX/XX/XXXX stating that this debt is not my debt and to cease and desist letter however instead they did utilized my information and send me back a " computer generated verification '' with my information typed on a blank paper pretending this is my debt however they never send the original document signed with my information in the original document as stated in Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. they have Illegally and fraudulently utilized my information to collect a debt that is not my debt due to the fact that I have never had any business with Citibank.
Complaint sub-issue: Problem getting report or credit score

I can not get Equifax to remove my security freeze. I have tried online several times and mailed all documents to them via mail with not response. I have my pin and password but their online or processing center does not work. 

It took me under a minute to unfreeze my XXXX and XXXX XXXX credit. I XXXX Equifax security freeze lift and found many others having this same problem with them.
Complaint sub-issue: Account status incorrect

This account has been closed since 2016 and it shows every month the Im still having late payments and the interest is increasing all the while the account is closed. I have contacted the company and XXXX and XXXX continues to have the account showing late payments and closed at the same time but wont honor every dispute Ive submitted..
Complaint sub-issue: Account status incorrect

I have contacted XXXX and Equifax on several occasions requesting that they investigate a derogatory account that is past the statute of limitations for being on my credit report ( 7 years ) - for XXXX ( XXXX ) - which is is showing as a derogatory collection because it was settled in full. 

On both occasions the credit bureaus ignore my written requests for removal of this outdated information, and they don't respond at all.
Complaint sub-issue: Account status incorrect

This is 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 erronous information about my accounts listed below are still reporting on my credit report in violation of federal law. The Equifax XXXX XXXX failed to comply with the 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. Below are the lists of accounts that are still reporting on my Credit Report and needs to remove completely from my Credit Report : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX Balance : {$1900.00}
Complaint sub-issue: Account information incorrect

XXXX  has been contacted on three different occasions due to fraudulent information on our credit report. XXXX financed a car for my husband and me. Last year (XX/XX/2018 ) in XXXX the car was in a hail storm and totaled. XXXX paid their portion on the car and we had gap insurance, which covered the rest. The company put a balance owed of over {$2000.00} dollars on the credit reports for my husband ( XXXX XXXX ) and me ( XXXX XXXX ). We contacted the company asking for written proof of the amount owed on XX/XX/2018,XX/XX/2018and finally on XX/XX/2018. They have not only failed to send the appropriate proof of their fraudulent actions, they have caused our credit scores to plummet tremendously, negating our chances to purchase a new home. We are outraged at their lack of customer concern on this matter. Please help us! 
Sincerely Yours, XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

Over the past few months I have been trying to get the three FedLoan accounts removed or to stop reporting as if they are active. According to my report it reads as follows : FED LOAN SERVICING Last reported XX/XX/XXXX Account status Closed Type Education loan Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Account previously in dispute - Now resolved by data furnisher Variable/adjustable Rate Times XX/XX/XXXX days late XX/XX/XXXX Closed XX/XX/XXXX The problem with the above information is my account status states these loans are closed as of XX/XX/XXXX, however they are being currently reported as derogatory as recently as XX/XX/XXXX. 

My loans are currently with US Department of Education Default Division at the Total and XXXX XXXX XXXX. They are with this unit to be discharged. 

I will upload the letter sent to me dated XX/XX/XXXX with an account number of XXXX. Phone number of XXXX
Complaint sub-issue: Reporting company used your report improperly

The credit bureau stated that my account was properly investigated but how is that possible if the following items are all inaccurate : the high balance amount date of last activity date reported date opened date closed creditor type account status payment status last payment term length the creditor remarks are also inaacurate This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 section 602 A which states that I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

Nonpublic Information is being reported on my consumer report. This is a violation of federal law pursuant to 15 USC 1681
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This complaint is not a duplicate tied to complaint XXXX. I pulled my XXXX credit report and found REGIONAL ACCEPTANCE CORPORATION had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry or provide the signed application which is needed to file a FTC identity theft report. They did not delete the inquiry or provide the documentation required under section 604 of the Fair Credit Reporting Act. This is a violation of the law and they must comply be deleting the inquiry or providing the signed application, so an FTC identity theft report can be filed. Failure to adhere to the law will result in legal action.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit act XXXX Account # XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy, 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 instruction.
Complaint sub-issue: Fee problem

I was told that I would not have any fees associated with my Citibank Checking account as long as the balance was above {$1500.00}. I left the account without looking at it for over a year because I was confident that there would be no fees after my conversation with a Citibank agent.

I returned to my account and found that I had been charged {$25.00} / month and had over {$400.00} in fees on my account with no other transactions. I asked the bank to refund these fees and they refused.

I asked if there was any way to have a paper trail for written communications with the bank and was told that no, that phone calls and recordings are the only way to manage communications. The agent made a mistake and misinformed me but because of Citibank 's policy there is no way to prove this or make a case. 

They collected hundreds dollars of fees for NO VALUE on a checking account I only kept open because of the explanation that there would be no fees.
Complaint sub-issue: Public record

I have a Internal Revenue Service Federal Tax Lien listed on my credit report. I requested and was granted a Withdrawal of this Tax Lien XXXX XXXX, 2013. This form Federal Tax Form XXXX A has been on file with XXXX XXXX Nevada since XXXX XXXX, 2013. I have now requested on XXXX separate occasions in writing to Equifax that they re-verify and remove this Tax Lien from my credit report as it has been withdrawn. Each time I have sent them both exact information on where to locate the online filing as well as a copy of the form itself and each time they have come back having clearly done no research and said " We have reviewed the lien information. '' and that the Tax Lien shows as released which has been the status they 've shown for the last XXXX years. A simple and quick check at the XXXX XXXX site shows that the Withdrawal is on file - XXXX. My husband also had the lien on his credit report and while it took XXXX letters to Equifax to get it removed they did properly remove it for him. Nothing I do seems to get their attention to do their job and actually look at the Withdrawal, then properly remove it from my credit report.
Complaint sub-issue: Threatened to sue you for very old debt

On XX/XX/2019, Jefferson capital Systems, XXXX XXXX XXXX , XXXX XXXX MN XXXX opened accounts in my name and immediately reported these accounts as unpaid debt. This was done on both my XXXX  and XXXX credit reports. This debt was removed from my credit twice in the last year and several times over the last few years. 

It stemmed from a cell phone that I returned to XXXX during my 14 day trial over 14 years ago. I didn't keep their service as it sucked and returned the phone to them before my 14 day trial was up. 

These companies keep adding this old debt to my credit files, the debt is well beyond the 7 years allowed by the Fair Credit Reporting Agency. Neither XXXX  or XXXX are verifying the information before they add this back to my credit. It has been REPEATEDLY REMOVED by both of these credit bureaus. 

I would like you to investigate Jefferson Capital Systems, as this is an unfair practice. 

1 ) It is an illegitimate debt, due to the actions of XXXX XXXX, which I am assuming was the retail agent afraid about losing his commission. 

2 ) I was never notified of this debt, I received a credit monitoring action after they already attacked my credit reports. 

3 ) It has been removed repeatedly over the last few years. I am to the point I am about to file a class lawsuit on these people. 

I am XXXX to XXXX  XXXX XXXX as an XXXX XXXX of the XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, 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: Debt was paid

I would like CitiFinancial to please take off all of my closes accounts from all three credit bureau so I can have a clean report. Thanks
Complaint sub-issue: Attempted to collect wrong amount

alliance one accepted my amnesty payment even though all payment were to go through XXXX they mislead me to think i was able to participate in amnesty program even though they new i could not
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting see below has violated my rights. 
Acct XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX XXXX Card Acct XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct 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: Public record information inaccurate

Please consider this my formal complaint against Equifax Credit Information Services, LLC. 
At the start of XX/XX/XXXX I ran my credit report and found Equifax was reporting a Bankruptcy chapter-XXXX discharged on XX/XX/XXXX.  I wrote them to dispute this derogatory report at least 3 times asking them to VALIDATE the bankruptcy report. They came back with it being verified as accurate each time. I made it a mission to find out how this was so. 
I wrote to the County Recorder of Deeds and the Bankruptcy Court in the county the bankruptcy was being reported from. They reviewed the Public Record section of the Equifax Credit Bureau and mailed me letters ( see attached ) which stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Equifax Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrectly, so I found out who these third-party companies are & requested my reports. I wrote Equifax again on XX/XX/XXXX and XX/XX/XXXX asking them to VALIDATE the derogatory report. XXXX, which Equifax clearly lists as the company they verified the bankruptcy with, does NOT list a bankruptcy on my report ( see attached ). 

- Per FCRA 623 ( a ) ( 5 ), If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.
Complaint sub-issue: Reporting company used your report improperly

Im accordance with the Fair reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Complaint sub-issue: Their investigation did not fix an error on your report

i am a victim of identity theft as previously stated
Complaint sub-issue: Didn't receive enough information to verify debt

I have a reported debt on my credit that originated from XXXX XXXX XXXX ( XXXX XXXX ) I had moved out due to numerous floods in my bathroom and kitchen and other maintenance issues resulting in heavy damages. in almost 2 years I had over forty documented maintenance request. The grounds had also become extremely unsafe which resulted me in trying to defend myself. Despite numerous request to transfer units being denied by the office we moved.Shortly after a shoot out ensued making the news. I have encountered many different alleged balances to which I have tried to resolve with the apartments themselves who referred me to their corporate office. I have called the corporate office requesting a call back to discuss the matter hundreds of times and no follow up. I have requested the collections agency to validate this debt for me and they have failed to do so.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Cash app will frequently cancel payments your sending and claim to either refund them immediately or at a later day however they do not ever refund them I've talked to my bank I've gone through my statements I have not received the money back nor were the payments ever sent. Cash app tells me that they have been refunded and to talk to my bank and my bank tells me that there is absolutely no refund ever from cash app. None show up as credits or refunds in my XXXX XXXXXXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are incorrectly reporting me as an Authorized User on XXXX XXXX partial account numbers XXXX. ( Please see pages 7 and 8 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Complaint sub-issue: Information belongs to someone else

ALL THE XXXX CLAIMS ARE FRAUD AS A RESULT OF ID THEFT HERE IS A POLICE REPORT THEY NEED TO REMOVE THIS THIS IS THERE FINAL OPPORTUNITY BEFORE I FILE SUIT AGAINST THEM
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all 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 an account without my written instructions.
Complaint sub-issue: Problem with personal statement of dispute

There was no completion to the complaint or investigation into a resolution. I have called every week for 90 days and sent 2 letters certified mail. The lender came back with a response to the issuance of the loan being given to me in an inept state. The XXXX XXXX XXXX XXXX has stated that an individual who doesnt complete high school or the equivalent is not prepared for the task of understanding the debt that will accrue in college. Their response to me filing paperwork supporting this happened was that I stated on my forms applying for the loan i checked a box stating I had graduate high school or its equivalent. I checked the box without understanding that a high school graduate even needed a diploma. Not only did I not graduate high school I only went to a year and a half of school my entire life through XXXX.
Complaint sub-issue: Account status incorrect

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Complaint sub-issue: Debt is not yours

Ask for validate this debt, have not receive any documents thus far.
Complaint sub-issue: Reporting company used your report improperly

This complaint is not being filed by a 3rd party and is not a duplicate complaint. 

In Accordance with the Fair Credit Reporting Act XXXX these accounts below 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. 


1. Account Name : XXXX Account # XXXX 2. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX 4. Account XXXX : XXXX Account # XXXX 5. Account Name : XXXX Account # XXXX 6. Account Name : XXXX Account # XXXX 7. Account Name : XXXX XXXX Account # XXXX 8. Account Name : XXXX XXXX Account # XXXX 9. Account Name : XXXX XXXX  XXXX Account # XXXX 10. Account Name : XXXX XXXX Account # XXXX 11. Account Name : XXXX XXXX  XXXX Account # XXXX 12. Account Name : XXXX XXXX Account # XXXX 13. Account Name : XXXX XXXX  XXXX Account # XXXX 14. Account Name : XXXX XXXX Account # XXXX 14. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # XXXX 15. Account Name : XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX 16. Account Name : XXXX XXXX Account # XXXX 17. Account Name : XXXX XXXX Account # XXXX 18. Account Name : XXXX XXXX Account # XXXX 19. Account Name : XXXX Account # XXXX 20. Account Name : XXXX Account # XXXX 21. Account Name : XXXX Account # XXXX 22. Account Name : XXXX XXXX Account # XXXX 23. Account Name : XXXX XXXX Account # XXXX 24 Account Name : XXXX ACCEPTANCE Account # XXXX 25. Account Name : XXXX XXXX Account # XXXX 26. Account Name : XXXX XXXX Account # XXXX 27. Account Name : XXXX Account # XXXX
Complaint sub-issue: Information belongs to someone else

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692. I am trying to buy a home. This fraudulent account and fraudulent collection company is destrpying my chance to stop being a renter.