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

Equifax ; XXXX and XXXX are reporting incorrectly a late payment in XXXX, 2018 on the XXXX account number XXXX. ( Please see page 2 attached from our credit report. ) The mortgage payment is due on the first day of the month. We get paid on the XXXX of every month. The mortgage payment would not be considered late until after the XXXX of every month. I set this account up on Auto-Pay to deduct the mortgage payments on the XXXX of every month, but for some reason this payment was not pulled on the scheduled day of the XXXX and consequently it was zinged as late. This was not our error. We had the account set-up for automatic payment and this was clearly a banking error. We contacted the representative and they said they would remove this late however, they have yet to do so. This incorrect reporting of a late payment is harming my credit score and this late needs to be removed from our credit report. We have contacted the ( 3 ) bureaus to remove this however, we have not been successful.
Complaint sub-issue: Account information incorrect

I am a senior citizen and I have steered clear of opening credit account for the last 10 years So each of the outdated adverse accounts are a hindering from enjoying my golden years. 

XXXX XXXX Past 7 XXXX XXXX Past 7 XXXX XXXX Past 7 XXXX XXXX Past 7 XXXX XXXX XXXX Past 7 XXXX XXXX Past 7
Complaint sub-issue: Account status incorrect

please find attached the creditors letter for which they have approved to remove the negative mark from my credit report on the XXXX XXXX account number ending in XXXX from XXXX of 2016. i have already submitted the letter to the bureaus as received. but they have not yet removed per creditors approval please make sure this update occurs thank you
Complaint sub-issue: Company closed your account

On XXXX XX/XX/2020, I received a letter from Citi Bank that my account was closed due to non payment of 30 days. My wife has a card with a longer non payment and nothing happened to her account!!! Any way, I tried calling the phone number given by Citi for the hard ship due Covid 19 to no avail. I receive unemployment benefits but did receive the higher amount allowed through the CARES act on Covid to help pay my bills AND credit cards. THEN I get the letter from Citi that my card account was closed, Im responsible for the remaining balance which I know that. The letter was just cold and calculated towards me and the account. Didnt even try to reach out to me BEFORE closing my account. NOT HAPPY with Citi. I feel like suing them besides hurting them financially by curtailing future business. Where do we start with this???
Complaint sub-issue: Account information incorrect

Hi CFPB!! Please forward the following documents to XXXX XXXX. I'm also including Equifax, since it is the only credit bureau that shows account. Thanks!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX 's National Consumer Assistance XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Dear XXXX Hi, I just got a copy of my credit report and noticed some inquiries that I have no knowledge of or give consent. According to Section XXXX of the XXXX, I would totally appreciate if you kindly provide me the permissible purpose, proof that I initiated these inquiries. In addition, written authorization for all inquiries listed on my credit report. If you have NO PROOF, please delete these inquiries immediately. 

XXXX XXXX XXXX XXXX XX/XX/XXXX : Account number : XXXX, ITHIS INQUIRY WAS FRAUD. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, ITHIS INQUIRY WAS FRAUD. 

XXXX XXXX NA | XX/XX/XXXX : Account number : N/A, ITHIS INQUIRY WAS FRAUD. 

XXXX XXXX XXXXXXXX | XX/XX/XXXX : Account number : N/A, ITHIS INQUIRY WAS FRAUD. 

I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization and have failed to provide a permissible purpose. Since, they do not have my authorization, written nor verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose. According to my research, under Section XXXX. Permissible Purposes of Consumer Reports XXXX XXXX. XXXX ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under XXXX XXXX.? XXXX, Paragraph ( XXXX ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. The following companies did not have permission to request my credit report : { multiacct } Once again I demand the removal of these unauthorized inquiries immediately. Please send me an updated credit report to my address listed above.
Complaint sub-issue: Information that should be on the report is missing

XXXX case number Hello, PAY ATTENTION EQUIFAX IS INSISTING I GAVE INFORMATION THAT IS WRONG BECAUSE IT DOES NOT MATCH THEIR INFORMATION. I DO NOT LIE I NEVER GAVE FALSE INFORMATION. I WANT THEM TO SHOW ME WHAT INFORMATION THEY THAT DOES NOT MATCH. NOW THEY SENT ME A SECOND REQUEST TO SUPPLY INFORMATION TO PROVE WHO I AM. 

GET THEM TO SEND ME THEIR INFO FIRST. I THINK THEIR INFO IS NOT MATCHING BECAUSE OF THE WAY THEY PULL IT FROM THE SYSTEM THEY PULL BY THE ADDRESS ALONE INSTEAD OF THE NAME AND ADDRESS. I LIVE WITH MY MOM I THINK THEY ARE GETTING HER INFO AND SAYING MINE IS NOT MATCHING AND IT SHOULD NOT IT IS MY MOMS INFO NOT MINE. I SAID THIS MORE THEN ONCE. I WILL NOT SUPPLY DOCUMENTS UNTIL THEY SHOW ME WHAT THEY CLAIM I AM GIVING TO THEM THAT IS FALSE INFORMATION.
Complaint sub-issue: Investigation took more than 30 days

I sent a letter to the credit company on XX/XX/2021 and they never got back to me so by law they need to remove ( us bkpt # XXXX ) and us bkpt # XXXX they had up to 30 days to respond and they didnt and did not remove this from my account. these accounts do not be long to me.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX Miscellaneous Banks XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax AN XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX Miscellaneous Automotive XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Used XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/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 cannon furnish an account without my written instructions. 

Also, my full name is XXXX XXXX XXXX XXXX often times they mistake my father for me. I have even seen on my credit report a " XXXX XXXX '' and i have no idea who that is. Please resolve this issue in a timely manner.
Complaint sub-issue: Trouble with how payments are handled

Fedloan Servicing is applying anything that I pay over the amount due to future interest. My bill for example can be {$500.00} and I pay {$550.00} that addition money is being applied to interest. Also, if the bill states outstanding interest at {$190.00} and monthly payment is {$450.00}, I pay {$500.00} they are applying {$350.00} of that payment to interest. For 4 months my balance never went down. It was all going to interest. And the other months they are taking more for future interest. No wonder my balance in 4 plus years has only gone down $ XXXX. This can not be a legal practice.
Complaint sub-issue: Reinserted previously deleted info

Equifax has changed my student loans back to active, when they were included in my bankruptcy and deferred payments until XXXX 2016. They reported this information correctly 7 days ago on my report and are now reporting this information wrongfully. At this time I will be retaining an attorney to help assist me in fighting their negligence. They are breaking the law with what they are doing. Nothing is being done about this and I am currently disputing this with Equifax. But again they wo n't let the consumer that pays to have access to credit monitoring dispute things online. They are purposefully reporting wrongful information on my credit report because I am disputing this.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is STILL reporting two inaccurate charged off XXXX XXXX XXXX credit card accounts on my credit reports after numerous disputes. Both XXXX  and XXXX  have removed these accounts on the basis that the debt is NOT MINE, however they claim they have " verified '' the debt and account with the creditor. How are you going to verify the debt if it's not mine? The current charge off amounts are {$5600.00} and {$5900.00} all the way back from 2014. They have not furnished any proof whatsoever that the debt is in fact mine and continue to hold down my scores and from obtaining future credit. I will most definitely be taking legal action if they do not immediately remove these accounts from my report.
Complaint sub-issue: Account information incorrect

XXXX & Equifax you are reporting incorrect information to my credit report for the following account XXXX XXXX PLEASE DELETE IMMEDIATELY my XXXX reported balance is {$17000.00} but Equifax I reported balance is {$15000.00} also Highest balance that is being reported buy XXXX is {$30000.00} but my Equifax Highest balance is XXXX so why are these two reports are different if you all get the same reporting from XXXX XXXX below will be proof attached PLEASE DELETE THIS INACCURATE ACCOUNT IMMEDIATELY
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act XXXX XXXX along with the three Credit Bureaus Equifax, XXXX and XXXX have violated my rights. 

15 U.S.C 1681 Section 602 A states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX Account never received my permission and is falsely reporting this Account on my credit report as a mortgage.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/22 made payment to XXXXXXXX XXXX for {$140.00} XX/XX/22 made payment to XXXX XXXX  for {$140.00} XX/XX/22 made payment to XXXX XXXX  for {$140.00} XX/XX/22 made payment to XXXX XXXX  for {$280.00} XX/XX/22 made payment to XXXX XXXX  for {$280.00} All payments were made on time but XXXX reported all payments late. I requested the bank to properly report my status but it refused to work with me. I notified the XXXX XXXX XXXX about this issue and I was overlooked, and was refused for correcting the derogatory report.
Complaint sub-issue: Reporting company used your report improperly

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

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because according to 15 USC. I have the right to privacy and I did not give equifax permission to furnish these accounts. XXXX XXXX XXXX XXXX
Complaint sub-issue: Information is not mine

I have disputed the account with XXXX numerous times and it keeps coming back as verified but nothing is being sent to me to validate the actual debt is mines. They keep updating my report but not showing the correct proof to prove why they are updating it state as such.
Complaint sub-issue: Debt was result of identity theft

In accordance with the Fair Credit Reporting act Afni , Inc # 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: Account information incorrect

On XX/XX/2018, I recevied a letter from XXXX XXXX, showing that my account with them was paid in full. XXXX XXXX, the Assistant Manager for Customer Service Department of XXXX sent the letter to my email. 

However, on the XXXX Credit Reporting System, XXXX continues to show that I have a late pay, ( which I don't ), and they show me 30-45 days delinquent although I have made past payments on time and paid the balance off completely. 

Each day this stays on my credit report, the days delinquent increase. I have contacted them and discussed the situation with them, it continues to remain on my report. This also has an impace on my credit score, causing it to drop. 

XXXX has also locked me out of my account but I can not get assistance with this over the phone with XXXX. The lock out is due to me perhaps answering one of my security questions incorrectly. So at this point I can not get in to see the details of my XXXX Report. The reps at XXXX do not speak clearly on the phone therefore it's difficult to get anything resolved. This dispute continues to go on and on eventhough I have paid this account in full.
Complaint sub-issue: Investigation took more than 30 days

90 Days ago, from XX/XX/XXXX til this day, I am waiting for investigation letters from the bureaus about the MBA LAW account that is a HIPAA law violation, that is reporting on my credit report and I asked for it to be removed.
Complaint sub-issue: Can't close your account

I requested to close this account in XX/XX/2020, l was told by the PNC rep that the account was closed successfully. On XXXX XXXX a XXXX transfer of {$1300.00} was sent to this account in error and instead of returning the payment PNC kept the money stating that they reopened the account because credits that were given in XX/XX/2020 were now reversed in XX/XX/2020 putting the closed account in a negative balance. I was never notified that this account was reopened. They also took my husband unemployment payment in the amount of {$960.00}. PNC told me that the account is still negative {$1200.00} as of XXXX XXXX and is refusing to close the account or deactivate the XXXX feature. The reversed credit stem from a refund for a XXXX XXXX  that was cancelled due to Covid-19 and PNC states that they gave me duplicate credits which I never received.
Complaint sub-issue: Funds not received from closed account

Hi, I opened an account in Citibank on XX/XX/2021 and it was closed on XX/XX/2021 allegedly due to fraud. 

I talked to their customer service phone around XX/XX/XXXX so I could clear this out as I lost access to my account on their website and they said account received 2 checks that were fradulent one for XXXXUSD and the next for XXXXUSD and that was the reason for the closure. But if a check is not valid or fraud, why would they cash them in to my account or even accept them? It was pretty weird as the checks were completely legal. My partner 's brother send them from XXXX XXXX. 

We spoke to a brank manager on XXXX XXXX bank so we could get more info on the checks, to see if they were marked as stolen or something, but they told us the checks were completly fine. 

After knowing this, decided to give Citibank a new call. This time they told me that the incoming wire transfers from XXXX ( XXXX, their own company ) were also a red flag for their fraud department and the account was marked a fraudulent in general. This was ironic as I had made around 15 transfer to this account and didn't get any sort of warning or problem, at all. 

Made a third call. This time I spoke to a new person that told me that the Citibank fraud department may take up to 60 days for a final verdict and they had around 3 days left. The girl told me to make a new call later to check again on any updates and that I most likely could be getting my check for XXXXUSD any time now. Also confirmed that Citibank won't keep any of my money. This kind of gave me a sensation of relief as I might be getting the remaining balance on my account back as soon as possible. 

Called again 3 days later. This time a man told me they won't give me any of my money. He explained to me that when a bank account is marked as fraudulent, they retain the funds indefinitely but also didn't tell me what to do next. 

Tried calling once more just to double check on what I was told last time. But they told me the same. 

I went to citi to try to talk to someone about this matter, there I tried to open a business account but they never confirmed anything. There they told me that this can only be resolved by phone since it corresponds to their fraud department, they made calls to their supervisors but they only confirmed what they had already mentioned to me. 

I need my money back. The account was opened with all the requirements they asked, valid ID, valid US address and my SSN. 

I can give proof of the incoming money so you can check it is completely not fraudulent, as they claim.
Complaint sub-issue: Old information reappears or never goes away

I asked XXXX to delete all late payment status from the 3 credit bureaus because it was due to me being furloughed in XX/XX/2020. XX/XX/XXXX my credit report reflected that XXXX did honor my request and I was so pleased and grateful. Sadly the late payment info from them has returned and currently reflected on my credit report. I am sure this is an error. Below is my original correspondence. 

Greetings, I lost my job in XXXX due to COVID19, I immediately filed for unemployment, I didnt hear anything from Unemployment of California for a long time and assumed it was because the overwhelming amount filed all at once. After weeks of nothing I finally received a request to verify my identity, and mailed back requested documents the same day. I finally received my full backpay bringing me to current benefits due to me at the end of XXXX! I made all payments up on time never late until I lost my job when the pandemic hit the world. This one infracture was due to something completely out of my control, and there was no state or government support to aid me with drowning financially unable to meet my normal responsibilities rent, food, credit cards, utilities, student loans etc. All of which have worked with me to update and defer payments during this unprecedented pandemic. That being said I was disheartened when I called Total and asked for them to remove the late from all 3 credit bureaus and they declined knowing the reason and not considering I have a flawless payment history prior. I feel this is severe and not my fault. I have resumed my excellent payment since after receiving my unemployment benefits. I just wish they would be compassionate during this one late payment
Complaint sub-issue: Can't decrease my monthly payments

I have made several attempts to get my loan payment reduced ( even prior to filing Chapter XXXX bankruptcy ) but no one at the XXXX seems interested. Currently, I only make {$50000.00} a year gross and that is not taking into account deductions for taxes, XXXX insurance, child support, and school tuition for the my child along with daily living expenses such as food, gas, required auto and renter 's insurance, etc. The most I could pay a month is {$50.00} a month. However, with the interest rates the XXXX has set, I would not even make a dent in the interest.
Complaint sub-issue: Information belongs to someone else

They are reporting inaccurate information on my credit report.
Complaint sub-issue: Was not notified of investigation status or results

I am very upset because how can the bureaus just place information on my report without my knowledge of where exactly the information even came from so I sent off a letter onXX/XX/2020to this date onXX/XX/2020 I have not heard or received information from them regarding issues that are misleading and unverified I know this has to be a violation of my consumer rights because it has been over 60 days now without a response. I just hope they find out who the information belongs too and remove it from my profile. I do appreciate the quick response and the removal of inaccurate accounts.
Complaint sub-issue: Debt is not yours

On XX/XX/2019 I sent PlusFour Inc a certified letter via USPS disputing a collection that they have place on my XXXX credit profile. PlusFour has reported that I owe {$230.00} to XXXX XXXX XXXX and that they are collecting this supposed debt. This debt is NOT mine. 

I asked PlusFour to provide me with 3 specific documents in order to verify this debt. I have listed below the items to provide me with in order to verify this alleged debt. 

1. Agreement with your client that authorizes you to collect on this alleged debt. 

2. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 

3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 

They did not provide me with any of those documents. 

I have attached their response which does NOT verify that this is my debt.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I applied for the PSLF waiver as I have worked for the State of Missouri for over 10 years and made lots of unqualified payments. After they spent months reviewing my information ( despite my correct information being entered ), they said I actually had LESS qualifying payments than before. I have called will be on hold for hours and then who answers transfers me to PSLF person to only be on for HOURS more. No one has any answers or help and this is a joke.
Complaint sub-issue: No notice of investigation status/result

I HAVE DISPUTED THIS ISSUE WITH EQUIFAX BEFORE AND THEY STILL LIST THIS INVALID ACCOUNT ON MY CREDIT REPORT. I JUST WANT THEM TO EITHER SHOW ME THE DOCUMENTS THEY SAY THEY USED TO VERIFY THIS INFORMATION OR FOLLOW THE LAW PER FCRA SEC 611 ( 5 ) ( A ) AND REMOVE THIS IMMEDIATELY.
Complaint sub-issue: Account information incorrect

Equifax dropped my credit score by XXXX points with no explanation, tell them to fix it or it will be upcoming legal action
Complaint sub-issue: Reporting company used your report improperly

LexisNexis, I HAVE REPEATEDLY REQUESTED DIRECTLY IN WRITING, ONLINE, EMAILED AS WELL AS MAKE PHONE CALLS TO LexisNexis, in order to opt-out of public reports to all companies and consumers, discloser of my clue choice point and LexisNexis products XXXX 
And for LexisNexis freeze my personal report. 
I am a victim of ID THEFT. 
My life has been threatened by law have the right to privacy under the said above legal circumstances! 
The Federal Trade Commission has a report concerning my personal LexisNexis report. 
and all Law Enforcement agencies.
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX XXXX and on XX/XX/2019, CITIBANK NA., BEST BUY add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.