Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with statement of dispute

I reviewed my annual credit report with Equifax and i noticed that an old closed account in XXXX from XXXX XXXX bank still showing in my report. I 've contacted Equifax twice to get this account removed from my report since it has been well past 7 years. Others credit agencies like XXXX and XXXX have remvoed this account, but Equifax is refusing to do so. The keep claiming that " its reported correctly '' or " that it belongs to me '', i 'm not saying it did n't belong to me nor that its incorrect, what i 'm stating that it should be off my credit report at this point. I 've called them to ask if i was filling out the dispute correctly and made the additional comments and a XXXX of their representative said that i was. Their website does n't give you an option that says " remove account '' then state why ; their options are very vague and i do n't think it fits this purpose of taking off closed over 7 years accounts. Moreover, Equifax is claiming that the old credit grantor " XXXX XXXX bank XXXX '' has reported to them this information. However, when i called XXXX XXXX bank directly to XXXX numbers provided on my dispute, No one on XXXX XXXX was able to find out anything about this account - as if almost disappear from their records. I have to write to XXXX XXXX to get an investigation going because it 's such an old account opened in XXXX and closed in XXXX ; that makes me wonder where is Equifax getting their information from???? It seems very suspect to me, that my account is being reported to Equifax but when i call the credit grantor they ca n't find anything on MY account! 

Please help me investigate this issue and I 'll contact XXXX XXXX in writing as well. FYI all these phone calls are recorded and i can even tell you when i 've called XXXX XXXX and Equifax. 

Let me know what else would you need from me. Thank you so much!
Complaint sub-issue: Their investigation did not fix an error on your report

I reported two different credit card accounts to three major credit reporting agencies as fraudulent accounts. The statement was made, because I was not the person who is responsible for applying for these accounts.

I have never applied nor used these accounts for my self benefit.

My simple request was to remove these false accounts ' information from my credit report and a police report and FTC identity theft report were submitted to all three credit bureaus.

Even though I made an attempt to make the proper correction on my credit report, the credit reporting agencies are continuing to post these false accounts on my credit report. Also, the creditors who had issued fraudulent accounts on my name have not validated or verified the accounts to be mine.

I believe that the credit reporting agencies and the creditors are in violation of FCRA and FDCPA for reporting false accounts on my credit report and attempting to collect the debt without proper validation and verification process.
Complaint sub-issue: Account information incorrect

The credit bureaus are reporting inaccurate information on my credit reports
Complaint sub-issue: Problem with balance transfer

I contacted  Sear  s MasterCard o n  XXXX / XXXX /   17 to s peak with them about how they were applying the payments to my balance transfers. They are applying the majority of the payment to the transfer that is due at a later date, because they say that it is a transfer with interest. The transfer that is due at an earlier date is 0 %, but it gets a smaller amount allocated from my payment. The problem is that the larger balance  (  0 % ) is on the transfer that is due first. T he 3.99   % transfer is  due later, but they are applying the majority of the payment to the transfer that is due at a later time. They are misleading the consumer, because they get you to transfer the balances, but pay off the one with interest while leaving the  XXXX  with 0 % so that it comes due and then you are charged with a ridiculously high interest rate. We were told that the computer allocates the payment and that no one in the company could make changes for the consumer. So the consumer has no say in how their payments are allocated.
Complaint sub-issue: Information belongs to someone else

Theses accounts do not belong to me I am a victim of identity theft.
Complaint sub-issue: Problem making or receiving payments

Unable to link my financial account to other sources that I am able to receive money or direct funds into my account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting Act. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX Bank ) OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Old information reappears or never goes away

A collection item keeps appearing on my credit report. I dispute and receive a letter that it will be removed then it is placed back on my report by a different company and re-aged as a new debt. I have contacted the collection agency and was told that the account will never go away and that every time I dispute it with them, they will re-age the account. The amount is for {$450.00}. The account is showing as a new debt on my credit report as of XX/XX/XXXX. Per the collection agency, the debt is from XXXX. 

This is a FCRA violation : Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 

An account from XXXX did not just become delinquent in XXXX after being passed from several collection agencies.
Complaint sub-issue: Card was charged for something you did not purchase with the card

XX/XX/XXXX. The amount on the Macys XXXX XXXX Account is {$610000.00}. 
Macys was contacted in XXXX that the purchases were fraudalant. The account was closed. For months the account was being investigated and Macys was charging interest fees and late fees. I never received a letter about the investigation or the outcome. Every week I Called speaking to a different person being informed the account was still under investigation. Macys was withholding important information because I was informed there were two individuals given a credit card under my account which I never authorized. Macys refused to give me the names of the individuals that were given the credit card. This amount was placed on my credit report ruining my credit.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

im filing this disputes because I have sent in a letter to verify the inquires on my credit report and have no been notified of the investigation. I sent In the letter on XX/XX/2021 and it has been well over 30 days of noncompliance. please help me resolve this matter as I refuse to wait any longer for further investigation. to my understanding the agencies have 30 days to investigate and the time is up, so please remove the unauthorized inquiries from my credit report promptly. as pursuant the fair credit reporting act 604 15 USC 1681b ( 3 ) information regarding inquiries, in section 609 ( a ) ( 5 ) 1681g a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer.
Complaint sub-issue: Their investigation did not fix an error on your report

I have recently checked my credit reports with XXXX, Equifax, and XXXX and have found duplicates reporting 's that is currently affecting my credit score. I have disputed these findings with each bureau, and they have not removed the duplicates from my credit file. Below are the duplicates showing on my credit file on XXXX XXXX : XXXX XXXX Account # : XXXX Duplicated twice on credit report XXXX XXXX Account # : XXXX Duplicated twice on credit report I have recently checked my credit reports with Equifax and have found an account without an original creditor is listed. I am not aware of the allege debt and this reporting ' is currently affecting my credit score. I have disputed these findings with each bureau, and they have not removed the duplicates from my credit file. Below are the duplicates showing on my credit file on Equifax : Equifax Acct : XXXX
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Received bad information about your loan

Please refer to the previous complaints for reference : XXXX, XXXX and XXXX I agreed to a settlement with the collections agency that Citibank told me was handling my loan ( XXXX XXXX ) after my cosigner 's bankruptcy ended. I received a letter from XXXX XXXX stating that my loan would be satisfied if I payed the amount agreed upon by XX/XX/XXXX. I mailed in a check on XX/XX/XXXX. I received a letter from XXXX XXXX on XX/XX/XXXX with my check that I mailed enclosed. The letter said that the account is no longer active in their office so they could not apply my payment. It said to call if I had any questions, so I called and as soon as I mentioned " student loan '' the agent on the phone said " oh, we were just told to direct your call to the original lender. I do n't know if the contract with them ended or what. '' I called Citibank immediately after and explained the situation. The agent on the phone told me that he could not find any record of my loan in the system and suggested that if it 's on my credit report then I should just dispute it and they will remove it from the report. He explained to me that they sold all of their student loans to other lenders back in XX/XX/XXXX. I explained more and told him I had this exact conversation with them back in XX/XX/XXXX and it was n't until I submitted a complaint on this website that I was told that they were still servicing my loan but it was in collections. And that I was told by XXXX XXXX that Citibank sent out letters to lenders by mistake stating that they transferred loans to them when in fact they did n't ( see previous complaints for more info ). He still claimed that they do not have my loan. I asked him to send that to me in writing and he said he could n't because I do n't have a loan with them. I asked him again to send me a letter stating that I do n't have a loan with them and he again said he ca n't because I do n't have a loan with them. He eventually said he would need to investigate further to see what happened and said he would get back to me by XX/XX/XXXX at the latest. I still have n't heard back. I checked my credit report and this loan is reported on two of the reports as " closed '' " serious delinquency '' " negative '' " transferred '' " deferred '' and I disputed them. 

I 've taken many steps to set this straight with Citibank, but they continue to give me the run around. I have been an excellent borrower to every creditor that I 've been involved with and I do n't deserve this kind of treatment. Citibank is a scam and it seems to me like they are trying to cover something up. PLEASE INVESTIGATE THEM!
Complaint sub-issue: Received bad information about your loan

Good afternoon, I fear this is a complaint heard around the clock at the CFPB. I am enrolled in the PSLF program, and have been for very nearly 10 years. My loans were set up in eligible payment plans with all of my loan servicers over the years- XXXX, XXXX XXXX and currently FEDLOAN. 

My current account in FEDLOAN shows payments made to prior servicers, but does not present accurate data regarding amount, date, or repayment plan. I expect this is due to the transition between servicers and the data not being vetted for completeness. 

I have tried to request a manual recount in early XXXX, but did not have any follow up. While requesting the recount, the agent confirmed that many if not all of the payments should be eligible, but for whatever reason were not being captured that way. For older loans, I have made 160 total payments, with 108 showing as 'ineligible ' for issues relating to data management at FEDLOAN. 

Submitted my first PSFL certification form in XX/XX/XXXX and each subsequent year, and the same issue has plagued my recount. At this stage, I have multiple loans that are eligible for PSFL, however since at least XX/XX/XXXX, no action has been made at FEDLOAN to address inaccuracies in my payment count. 

I would like to have FEDLOAN reevaluate my payment history to prior loan servicers and update my payment history to capture eligible payments under PSLF.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently obtained my credit report and was shocked that I found late payments on it Creditor : XXXX XXXX Account Number : XXXX I was never late 30 days late in the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Im not sure when this occurred, I know that I had made my payments in a timely manner to your company when I received my statements. My only thought is that there is a billing error with my statements.
Complaint sub-issue: Reporting company used your report improperly

I am. a natural person, l am a living human being, I have rights under 15 USC 1681.

Equifax is govern baby 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 I have the right to privacy and I did not Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS REPORTING ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY CONNECTED TO ANY TRANSACTIONS THAT I HAVE MADE. I HAVE NO IDEA HOW THE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. I HAVE NO DOUBT THAT MY IDENTITY HAVE BEEN TAMPERED WITH BY SOMEONE UNKNOWN TO ME. I AM VERY CAREFUL WITH MY PERSONAL INFORMATION. THIS SITUATION IS VERY STRESSFUL SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Complaint sub-issue: Was not notified of investigation status or results

There are a few accounts on my credit report showing late payments that I don't believe I was ever truly late on! I disputed this with the bureaus on XX/XX/XXXX to try to remove these or even get clarification from the bureaus/creditors why they were reporting me late. I never received any communication from anyone so I attempted again on XX/XX/XXXX. Once again, still no responses or communications from anyone. So now I am filing this complaint because I do find it hard to believe that the bureaus wouldn't communicate with me in 4 months. This is hindering my future immensely!
Complaint sub-issue: Information belongs to someone else

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've disputed these items with all three credit bureaus. I sent the disputes off by certified mail.
Complaint sub-issue: Debt is not yours

AFNI XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX has purchased a debt that I do not own and re-aged it placing false dates on it to make it reportable and collectable if you look at thier BBB history and complaint history as well as ripoff report they are  famous for false reporting have been sued and are known for this. please have them prove to you that this is an accurate collectable debt.
Complaint sub-issue: Account status incorrect

In applying for a new home loan, it was brought to my attention that my credit report contains a " serious delinquency '' apparent on both  XXXX  and  XXXX . I was able to research a bit more using   XXXX      XXXX   and found that I have two missed payments ( 90 days and 120 days ) late on a Federal Direct Plus  XXXX  Loan with a date on  XXXX / XXXX / XXXX . The late payments occurred  XXXX  and  XXXX   XXXX , a time that I was still a full-time student. I have been in touch  with Nelnet, Dept of Education, an d NSLDS and no one has any information on who serviced the loan at the time of the reported delinquency. Nelnet reports beginning servicing my loan in  XXXX   XXXX  and has no prior information. NSLDS only reports Nelnet as a servicer. The delinquency is in error as I was a full-time student as maintained my deferment throughout that time. I need help identifying my loan servicer and removing this from my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat u payment on a credit card account under an open end consumer credit plan as late fo 266 purpose.
Complaint sub-issue: Account information incorrect

ON XX/XX/2021, I SENT LETTERS TO THE CRA 'S FOR REPORTING INACCURATE AND UNVERIFIED INFORMATION ON MY REPORT BECAUSE ITS DAMAGING MY CREDIT AND STOPING ME FROM GETTING A HOME, PLUS CAUSING ME STRESS.I AM SEEKING SOME ASSISTANCE IN THIS MATTER, ALSO THE LETTERS THAT I SENT THEM ARE FILLED OUT COMPLETLY.
Complaint sub-issue: Contacted your employer

Americollect claims I owe money for a medical bill. They placed several calls to my employer but did not call me. When my employer returned the call Americollect informed them that they were attempting to collect a debt from me. I called Americollect and they informed me that my work number was what they had for contact information, but I have never given my work number to anyone - I did not even know the number and had to look it up.
Complaint sub-issue: Reporting company used your report improperly

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 that a consumer reporting agency can not furnish my account without my written instructions.
Complaint sub-issue: Received bad information about my loan

After obtaining a copy of my credit I noticed Citibank/XXXX XXXX on my credit file for student loans. First I have no recollection of them ever having my student loans. So I dispute the items with the credit reporting agencies, which the updated themselves as new information. I contacted Citibank/XXXX XXXX requesting that the account be deleted from my Credit Reports based on the fact that it was sold. XXXX XXXX XXXX XXXX ( Citibank ) must furnish account information to the national credit reporting agencies in accordance with Section 623 of the Fair Credit Reporting Act, Appendix A to Part 660, Title 16, Code of Federal Regulations, and the Consumer Data Industry Association 's Credit Reporting Resource Guide. Page 10-1 provides that accounts may be deleted if the account has been forwarded or sold to another agency, if the account was cancelled and returned to the original creditor, if the account was reported in error, or if the account has been confirmed as fraudulent. Citibank sent me a letter stating the FCRA required creditors to accurately report information to credit reporting bureaus about loan accounts and payment history. That they have reviewed my account history and have not identified any errors and they will remain for seven ( 7 ) years. 
I replied again requesting that the account be deleted from my Credit Reports based on the fact that it was sold. XXXX XXXX XXXX XXXX ( Citibank ) must furnish account information to the national credit reporting agencies in accordance with Section 623 of the Fair Credit Reporting Act, Appendix A to Part 660, Title 16, Code of Federal Regulations, and the Consumer Data Industry Association 's Credit Reporting Resource Guide. Page 1-1 of the Guide explains that " Both credit grantors and consumers depend upon consumer reporting agencies to acquire and maintain accurate credit histories. '' Page 10-1 provides that accounts may be deleted if the account has been forwarded or sold to another agency, if the account was cancelled and returned to the original creditor, if the account was reported in error, or if the account has been confirmed as fraudulent. 
So since this account was sold to XXXX from the letter from XXXX this account must be deleted. Citibank/XXXX than replies in order for them to review information that I believe has been reported in error, to send them an letter of explanation and a copy of my credit report. I sent them a letter of explanation the first time and they claimed they reviewed it and found no errors, I sent a follow up letter now they want another. Citibank/XXXX know what they are reporting because they are the ones reporting it. I should have to send them information they are reporting when they already admitted to what they are reporting.
Complaint sub-issue: Overdrafts and overdraft fees

I have not opted into Over Draft protection at US Bank. The allowed a transaction to come through and charged me a overdraft paid fee. 

Asked the bank to wave the fee, transferred to a manager Named Mr. XXXX when he got on the phone I heard a one word response of NO before we even started a conversation and they disconnected my call. 

In XXXX of XXXX XXXX of XXXX and XXXX of XXXX the bank did decline that transaction it's an auto pay but they had declined it at those times. 
This time they decided they were going to charge me a fee which they would not waive
Complaint sub-issue: Information belongs to someone else

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXXXXXX Balance {$4400.00} XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX  XXXX Balance {$1000.00XXXX XXXX XXXX XXXX  Balance {$300.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX