Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

1. XXXX and XXXX aren't reporting my monthly payment on my student loan.

2. XXXX  has on my credit report " Potentially Negative Account '' flagged on a lot of my credit accounts even if I was late 1 time. 

3. XXXX  has an address listed that I never lived at 4. I can't submit a dispute report to XXXX  at all. Very Difficult 5. XXXX  has that I have 10 charge off 's on 1 XXXX XXXX XXXX, I thought you could only chare off an account 1 time. 

6. XXXX has another XXXX XXXX  XXXX  of mine saying I charged it off 13 times which is inaccurate. Should only be 1 time. 
7. XXXX  has an account of mine, XXXX XXXX is reporting that I have 2 charge off 's and that's inaccurate. 
8. XXXX XXXX is reporting that I was late 6 times and that is inaccurate 9. Information is not being updated on my XXXX  Credit file from XXXX  and XXXX.
Complaint sub-issue: Information belongs to someone else

Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files.

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) are unknown to me. Also, the information you provided on these accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on these accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX  Date Opened XX/XX/2021 Balance : {$150.00}, XXXX  Date Opened XX/XX/2021 Balance : {$150.00}, XXXX XXXX XXXX Date Opened XX/XX/2021 Balance : {$130.00},
Complaint sub-issue: Information belongs to someone else

I submitted a claim to equifax fraud department on XX/XX/22 for accounts : XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX These items were not removed despite my demand. Please remove these accounts from my credit report or I will have to proceed with further litigations.
Complaint sub-issue: Didn't receive enough information to verify debt

USCB XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. 

This company collected a past due debt I paid off on XX/XX/20. They charged me more than the actual letter I received. I asked for explanation and was advised would receive a letter about it and also that I could request a paid in full letter. I have not receive anything yet. I called back and request made on XX/XX/20 second request made on XX/XX/20 and still not yet receive anything. There representatives are liars, assuring that I would receive this letter.
Complaint sub-issue: Attempted to collect wrong amount

I received a letter from XXXX XXXX XXXX - in XXXX Texas stating I owed a debt for an apt complex. The account was in another name the year before and it was taken off all credit reports. Account seems to have been bought and back on my credit reports- when I sent a letter demanding the original debt proof etc the letter was returned to me unable to deliver- The address on my credit report and the letter it is the same but yet no contact since then but they have managed to have my credit score go down over 45 points for no good reason.
Complaint sub-issue: Trouble getting, activating, or registering a card

Have not received the XXXX pay, Reliacard
Complaint sub-issue: Didn't receive enough information to verify debt

About a year ago I disputed a debt from XXXX XXXX and had it removed from collections then it popped back up a few months ago. I just got off the phone w the debt collectors and he advised me to report fraud as there is an address linked to that XXXX account I never heard of or resided.
Complaint sub-issue: Public record

The Georgia Tax liens are incorrect. I have disputed these issues with all XXXX bureaus but have only been successful at removing incorrect information from my XXXX Credit file. I have also contacted the GA Department of Revenue to remove this information to only receive a letter back from them the following message stating " I am writing with regard to your letter concerning the above reference state tax. This department does not release tax lien information to credit reporting agencies, nor do we govern items listed on credit reports ''. This response basically stated to me that they ( GA Department of Revenue ) did not report this incorrect information and will not assist me in getting it removed form the credit bureaus. These liens should not be reporting on my credit files and need to be removed from both my XXXX and Equifax reports immediately. I have attached a copy of the Georgia Department of Revenue Delinquent Taxpayer List that confirms that the liens reporting in my credit files are incorrect.
Complaint sub-issue: Information is missing that should be on the report

I have noticed my payments with XXXX XXXX were not completely reported to Equifax. 
I wrote XXXX XXXX a letter in regards of the problem. I received a respond from XXXX XXXX and it stated, that the information was sent to the consumer credit agency was accurate. I called Equifax to informed about the respond I had from XXXX XXXX. Equifax keeps telling me to call XXXX XXXX. But when I called XXXX XXXX I was told Equifax needs to fix it.
Complaint sub-issue: Information belongs to someone else

Hello, my name is XXXX XXXX. 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 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: Their investigation did not fix an error on your report

I have sent the credit reporting agencies multiple letters about inquiries reporting on my report without authorization from me, I have tried to contact the company as well with no success. I have uploaded the letters that was returned to me due to vacant property, FTC REPORTS ALL COMPANYS AND CREDIT REPORTING AGENCIES MUST BE IN COMPLIANCE DISPLYING ACCURATE INFORMATION.
Complaint sub-issue: No notice of investigation status/result

I am filing a complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they has gone pass the 30 day given and can not verify these accounts under section 611 ( 5 ) ( a ) of the FCRA- they are required to promptly delete all information that can not be verified, that I have disputed. Please resolve this manner as soon as possible. Thank You
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX21 XX/XX/XXXX2021 and XX/XX/XXXX21 I sent a letter regarding an accurate in unknown things on my credit report. To this day over 60 days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section ( a ), its is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted properly. I demand these accounts be DELETED immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

This account does not belong to me, Equifax verified that this account doesnt belong to me as stated below, however the account is reporting on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I DISPUTED INFORMATION WITH XXXX   AND EQUIFAX AROUND XX/XX/2018 REGARDING XXXX. ALTHOUGH I SENT IN RECEIPTS SHOWING PAYMENTS AND PAYMENT DATES AND A LETTER STATING THAT XXXX HAD ALLOWED PAYMENT ARRANGEMENTS TO BE MADE, THE CREDIT REPORTING COMPANIES DID NOT UPDATE MY INFORMATION STATING THAT XXXX   STATED THAT THE INFORMATION IS ACCURATE. IN ADDITION, IT DOES NOT STATE IN MY TRANSUNION THAT THE INFORMATION HAS BEEN DISUPTED. 

AS A RESULT OF THE MISREPORTING OF THIS INFORMATION, MY CREDIT SCORE FELL FROM XXXX TO XXXX.
Complaint sub-issue: Information belongs to someone else

The collection account below is not mines. 

1. XXXX XXXX XXXX Last reported XX/XX/2020 {$270.00} Open balance 06 XXXX  Original creditor
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

None of my credit card companies will defer payments.
Complaint sub-issue: Problem during payment process

I made a payment to US Bank for {$520.00} on XX/XX/XXXX towards my credit card. And it has not applied yet. This is the second time happening my money keeps disappearing. I call them they first kept telling me that they dont see the payment I think that was about 6 different people. Then I mentioned to the supervisor that I was going to file a lawsuit immediately she found it and found out that there system messed up! and that shes glad she found it and that this is simple she will refund my money back to my card I paid it with and plus the XXXX {$41.00} return fees that was changed for nothing and it will be back on my card 3 to 5 business days which was XX/XX/XXXX still nothing. I called back Friday XX/XX/XXXX a different supervisor said I h shes sorry that she put another rush in that will take 2 business days still I havent seen my money. It was debited from my account on XX/XX/XXXX 3 days after I made the ach payment :
Complaint sub-issue: Account status incorrect

I checked my credit reports through XXXX XXXX and XXXX. I have two credit cards with XXXX and on all my credit reports, it shows that one of my credit cards has been closed. XXXX said everything is normal and their no restrictions on the accounts and dont know why they would show closed on my reports. My credit reports are being tampered with and Im in the middle of home buying. I need help. Closing accounts can show as negative on credit reports and I need to know why this happened. Its not fair.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I have reached out to BC services on several occasions to tell them I don't owe this medical debt. attached you will find my bankruptcy discharge paperwork. I also attached the certified mail receipt showing they did receive my letter. They also used medical diagnosis to validate my debt, without a signed HIPPA release.
Complaint sub-issue: Debt was paid

I have repeatedly tried to contact XXXX XXXX XXXX to no avail. They have placed unknown negative accounts on my XXXX, XXXX and XXXX  credit reports. This negative account is hurting my ability to apply for new credit.
Complaint sub-issue: Problem during payment process

Dear  Sirs :  On  XXXX  A check was sent to you  (   XXXX .  XXXX   XXXX   XXXX , GA  XXXX  ) in the amount of {$20.00}. Check sent back the next day  XXXX   XXXX  and credited back to my  XXXX  Bank account.  XXXX   XXXX  check sent to you in the amount {$96.00}. Check sent back  XXXX   XXXX ,  XXXX . I 've sent a list of checks that have been sent to you with no problem  XXXX / XXXX / XXXX   XXXX . Please remove late charges  last two  months and re instate my credit card.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I paid a company called XXXX in XXXX of XXXX the sum of XXXX, this came with a monthly service charge of XXXX on my XXXX XXXX. After a year they told me they were no longer accepting XXXX, I could only assume XXXX had a problem with chargebacks due to fraud. They then convinced me to give them my visa card. The only way to be successful would be to purchase the Platinum Package which was worthless. They charged my XXXX card for years convincing me I was going to make money.I spent a good part of my life in the service and was counting on this to supplement my retirement. To my dismay the XXXX XXXX XXXX that all this was charged on told me they would only go back 90 days.I talked to a girl called XXXX, who was not very helpful.I wanted to dispute them as services not rendered or merchandise not as described, which I have been told the time frame could be as much as 540 days.My visa has a total of XXXX from this company.I do not feel the XXXX people are correct. XXXX told me they would cancel my remaining 11 months.To me that tells me they know they are wrong.This merchant should refund me in full.They broke all the FTC rules.Not only did they break the law, they left me with no online business, in debt, and no ability to earn money.The bank says they can not help me but the merchant can take my moneyI am only asking XXXX XXXX XXXX to help me using their own rules and regulations.These at home business opportunity companies should not be allowed to operate a merchant account.
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. This company is currently showing 30,60, and 90 days late. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Complaint sub-issue: Their investigation did not fix an error on your report

I was applying for a home loan in XXXX and found out I had bad credit in XXXX XXXX because XXXX was reporting a significantly delinquent account of {$2900.00}. My lender suggested I open a dispute. This was on all 3 reporting agencies. I've never had an account with XXXX. I've also never lived in IL. I filed a dispute. Equifax was the first to respond saying they have updated my credit but have verified with XXXX that the account is mine. It's in error. I've been with XXXX since XXXX and NEVER had XXXX. I'm still with XXXX. I used to work for a bank ; so, I pay my bills.
Complaint sub-issue: Their investigation did not fix an error on your report

GOOD AFTERNOON ; I was looking through my report and noticed a negative account from a vehicle that was returned to the dealership continues to report incomplete, unverifiable in my credit report. I had the opportunity to talk to several lawmakers and friends that's more versatile on this subject and learned some basic laws in regard to voluntary or involuntary repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Also that an original creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance on the account. I didnt receive this paperwork and you need to remove this account immediately.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I returned a car to XXXX, XXXX. Little was I prepared for the fraudulent shakedown I was about to receive from XXXX rental ( which is well attested on their internet reviews ). The clerk " found '' scratches and dings he said were not present before my rental and charged me {$1100.00}. In disputing this transaction with citibank costco visa officials I was told that the fraudulent merchant must agree to reverse the charges and that the matter was out of their hands. What a way to run a dispute -- - give all the power to the fraudsters! When I also pointed out that this card is supposed to carry car rental insurance I received no response. When repeatedly asked to please contact me directly to discuss details at no point was I personally contacted. I recommend avoiding citibank cards until they get their house in order and stand by their customers.
Complaint sub-issue: Old information reappears or never goes away

I went through a name change when I got married in XXXX, changing my last name to XXXX from XXXX. I also moved and reported that to both the school and Federal Student loan dept. When it came time for my deferrment to end and to start paying, the company sent all the letters and payment requests to the old address that was NEVER forwarded. It was n't until the collections showed on my cbi reports that I was aware of the problem. By that time the XXXX XXXX XXXX XXXX transferred all my accounts to their delinquency credit collector who refused to accept my paperwork for repayment for 1 year and half! After finally threatening the credit agency with an attorney after speaking to one, the collection agency accepted my repayment plan on their own " made up '' terms. The credit reports continue to show the accounts as derogatory and unpaid since original date reported. I have been paying since contract with the credit company. The XXXX XXXX XXXX XXXX 's collection department has racked up over $ 7k in interest by stalling this process all along. When I call the XXXX XXXX XXXX to try to pay the entirety of the balances off with consolidation loans, they reject my requests and say their is nothing I can do but to stay in this ridiculous repayment program. They took my husband and I 's XXXX tax return and applied all $ 7k to the loan balance even though the credit program I contracted under said this garnishment would not happen. It 's ruined my credit and I can not buy a home. I have disputed it with all 3 credit bureaus. The cbi 's removed it and then it reappears again the next month. An attorney has advised me to contact your agency to help. Please help me.
Complaint sub-issue: Account status incorrect

I applied for a Mortgage Loan on XX/XX/21 & was denied or received unfavorable rates because of some inaccuracies on my credit report. There are 14 Fed Loan Servicing Student loans that are reporting a 90 day late payment. This does not seem legal or accurate. I was under the impression that these loans were in deferment at the time, when they're saying I was late. Were payments actually due or was the loan in deferment? Was I notified in writing 30 days before these payments were due? Is there any proof that I received the notification in writing or an invoice before they reported me late? I do not recall receiving any invoice or notification from Fed Loan Servicing stating that payments were due or that I had any amount past due. If I received a letter or phone call from them, I would have made a payment. 

I'd like to request that the 90 day late payment be removed from all 14 loans. If Fed Loan Servicing refuses to correct the payment history, I'd like to see all paperwork and proof that they are reporting accurately and followed all laws and procedures to notify me before reporting me late.
Complaint sub-issue: Received bad information about your loan

I received a letter from XXXX XXXX / XXXX XXXX ( I'm not sure which, both are included on the letterhead ) dated XX/XX/2018, advising me that XXXX XXXX  is transferring the loan on XX/XX/2018 to American Education Services ( AES ). The letter states I need to begin sending payment to AES on XX/XX/2018. 

I sent my payment to AES on XX/XX/2018 using the account number provided on the letter I referenced above. 

In XXXX I began receiving past due notices from AES. When I called and indicated what I had done, they advised me the account I supplied ( which was the one on the letter I received ) did not exist. In fact, they said the account was not setup on system until XX/XX/XXXX ( yet I was told to begin paying them on XX/XX/XXXX ). They said they could not post the payment, were mailing me a refund check for the payment ( {$140.00} ),  and that upon receipt I was to endorse the check and mail it back to them. I questioned this approach, and asked if I should just deposit the check and make another payment. The rep told me not to do that, and advised that by endorsing the check and mailing it back in that would assure me that the payment was applied at the original time I made it. I called back one other time to get the mailing address, and reconfirmed with another rep that I should endorse and mail versus depositing and making a payment, and the 2nd rep affirmed what I had originally been told, so I complied. 

Subsequent weeks pass and I continue to receive past due notices in the mail, past due notices via email, and so I called back to check on the status of the payment being applied. I'm told at that time no one could find record of the check I mailed back in, and that the advice I had received to endorse the check and mail it back was erroneous. I'm also told that I have a late fee. 

After multiple phone calls, I finally received the refund check again on XX/XX/XXXX for the payment I submitted on XX/XX/XXXX. I deposited that check and made the payment of {$140.00} on XX/XX/XXXX. 

I called back today ( XX/XX/XXXX ) to ensure any and all late fees have been removed from my account. I'm told I have a total of {$10.00} in late fees on my account, and that a request for the late fees to be removed has been in process since XX/XX/XXXX. The fact that after having been through all of the above which is documented on my account and the lender can't credit {$11.00} in late fees over the course of 30+ days is absurd. 

I also learned that through the transition of this loan, that my minimum payment due has been increased by $ XXXX/month. That also doesn't seem to be a fair practice. 

As a consumer, I did nothing wrong, I did not ask for this loan to be transferred to another lender, and yet I've had late fees sitting on my account for 30+ days ( likely accruing additional interest ) and also somehow had my minimum payment due increased by $ XXXX/month. This is not fair business practices.