Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Complaint sub-issue: Transaction was not authorized

This is not the first time I have made a complaint about this revolving issue with Key Bank, yet the issue never seemed to be resolved. I continue to get charged overdraft charges when Ive never opted into overdraft protection because I know how banks use these predatory practices to make money off of their customers. I was charged such fees in the past even on everyday atm fees, but have found the email from my account opening that proves I never opted into these services. Also, Key Bank announced that they were ending overdraft fees on their checking accounts, so it still baffles me as to how they are still charging these fees. I was charged an overdraft fee, as well as a RECURRING over service charge on an account where I opted out out of overdraft protection.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX-XXXX ( XXXX ) XXXX Account Number : XXXX Status : COLLECTION ACCOUNT Account Owner : Individual Account. High Credit : {$1600.00} Type of Account N/A Credit Limit : Term Duration : 36 Months Terms Frequency : Single Payment Loan Date Opened : XX/XX/XXXX Balance : {$0.00} Equifax is incorrectly reporting that Date of Major Delinquency First Report XX/XX/XXXX. 
As a result, it will be XXXX more years before this paid acct will be removed from my credit report which is unfairly, negatively impacting my credit report, credit score and ability to secure access to capital during this government shutdown! 

Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : XX/XX/XXXX Actual Payment Amount : Scheduled Payment Amount : Date of Last Activity : XXXX Date Major Delinquency First Reported : XX/XX/XXXX Months Reviewed : XXXX Creditor Classification : Educational Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Education Loan Date of First Delinquency : XX/XX/XXXX
Complaint sub-issue: Debt is not yours

Hello. I disputed a medical debt collections {$180.00} on XX/XX/XXXX and the estimated date to be finished was XX/XX/XXXX. As of today, it still says pending, and on my credit report it says consumer disputes-reinvestigation in progress, this was well over a year ago through Equifax. XXXX  and XXXX were kind enough to delete the debt as its not mine, but it had taken Equifax over a year. I want this deleted off my report.
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/2018 I opened a checking account with Citibank. It was funded XX/XX/2018. On XX/XX/2018 my corresponding Savings account was funded. The terms of the offer were to open a new checking and savings account package between XXXX and to deposit {$15000.00} new-to-Citibank funds into either of them with a minimum of {$1500.00} in checking. Funds must be maintain a minimum balance of {$15000.00} for 60 days. Get {$400.00} deposited into your account. According to everyone I've spoken to at Citibank ( reference XXXX ), I qualify. I met all criteria on XX/XX/2018 and 90 days waiting for the bonus would put me at XX/XX/2018. I called then, and I was told I'd receive it at the end of the month. I called on XX/XX/2018 and was told 5-7 days more. I called XX/XX/2018 and was told 1-2 business days. It's now XX/XX/XXXX and I still haven't received it. Please help, I'd just like to receive what was promised.
Complaint sub-issue: Reporting company used your report improperly

So I sent a letter on XX/XX/XXXX to remove personal information from my consumer report. According to the fair credit reporting act 12 USC 1681 ( read a then b ) I have the right to privacy. Also according to 15 USC 6802 ( b ) ( c ) No one has my permission and I do not do business with these companies. 15 USC 1681 ( n ) These are clear violations to my protected consumer rights and you are causing harm to man
Complaint sub-issue: Investigation took more than 30 days

Equifax, failed to delete XXXX account from my credit report after I send them multiple disputes and challenges for inaccurate date of last activity. XXXX  is showing XXXX XX/XX/XXXX XXXX, XXXX  is showing ( XX/XX/XXXX ) and Equifax is showing ( XX/XX/XXXX ) additional information : all XXXX credit bureaus should report 1 date of last activity because its coming from 1 Creditor.
Complaint sub-issue: Problem during payment process

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Complaint sub-issue: Trouble with how payments are being handled

My student loan payment history does not reflect the actual amount I paid. I called discover student loan services repeatedly and explained that the payments deducted from my bank account is not accurately reflected in the payment history. The account show less payment even though more payment is deducted from my bank account. I asked for a copy of my records, and waited to receive it for months but never received it.
Complaint sub-issue: Information is missing that should be on the report

I have been a paid subscriber of XXXX for awhile, and these 2 collectin accounts are showing with no name & no address just a balance. I have challenged these accounts for several months with Equifax and they come back as mine as well as reported the accounts and Equifax to you the CFPB last month and Equifax said hey would  send coorespondence on XX/XX/XXXX and I never received anything! I called them 2 weeks later and they didn't know what I was talking about ... 

I am a victim of Idenity Theft I have contacted XX/XX/XXXXsenveral times and each time they say they will transfer me and the wait is always 30 minutes or more and they offer a callback and I never get one..

It is illegial for accounts to sh
ow without their own contact information and creditor name as well.
Complaint sub-issue: Right to dispute notice not received

I have received a letter from Mnet Financial ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) attempting to collect a debt that I am disputing. However the letter is in violation of Section 809 of the FDCPA. The letter did not make these XXXX ( XXXX ) required statements : -A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. 
- A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. 
- A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Complaint sub-issue: Information belongs to someone else

I have reached out to this company several times to formally and legally ask them to remove these inaccurate and illegal accounts from my credit report. However, after various formal certified mail disputes they continue to ignore my requests. This information does not belong to me and they have failed to show me how they officially validated this false debt. 

XXXX XXXX XXXX Amount : {$14000.00} Date Opened : XX/XX/XXXX XXXX XXXX XX/XX/XXXX Amount : {$400.00} Date opened : XX/XX/XXXX
Complaint sub-issue: Debt is not yours

I want to dispute this debt because I think this debt is not mine
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute for this collections on XX/XX/XXXX through the Equifax online portal. This debt is not mine I am a victim of identify theft. The dispute results returned from Equifax on XX/XX/XXXX did not address the issue of theft. Instead they wrote to say that the dispute has been validated as accurate and the balance was updated from {$400.00} to {$410.00}. This collections account has been removed from all other agencies except Equifax. 
But I am unable to submit another dispute as the item online shows as dispute not available. 

XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX for a balance of {$410.00}
Complaint sub-issue: Account status incorrect

There is a 30-day late reporting on my son XXXX XXXX XXXX ( last four of SS # XXXX ), wife XXXX XXXX XXXX ( last four of SS # XXXX ) and my, XXXX XXXX XXXX credit reports due to a clerical error. 

We have a mortgage loan with XXXX XXXX XXXX ( XXXX ). There is a 30-day late that occurred in XXXX of XXXX. An auto mortgage payment to XXXX ( account # XXXX ) for the property located at XXXX XXXX XXXX XXXX XXXX, WA XXXX, was missed in XXXX of XXXX, because XXXX cancelled XXXX auto-payment when XXXX shut down the old website and did not set the auto-payment back up when they launched their new website. 

Also, XXXX did not send an email specifically informing us to re-register our auto-payments on their new website. We received an email on XX/XX/XXXX with the title New Website is Coming Soon. Buried in the second paragraph of that email was the wording, you'll have to re-register even if you have a user account on our current site. It said nothing about our auto-payment being cancelled if we didnt re-register. It also did not specify exactly when the new site would be launched. On XX/XX/XXXX we received an email titled, Our new website is live! Check it out! Again, there was no mention of our auto-payment being cancelled. 

We purchased the home in XXXX of XXXX. We made our first payment in XXXX of XXXX and made every payment on time through the auto-pay feature, scheduled to pull from our account on the XXXX of each month. XX/XX/XXXX our auto-payment was made. The XX/XX/XXXX auto-payment was not made because the auto-payment had been cancelled by XXXX. We discovered the missed payment just seven days later, on XX/XX/XXXX. We made a one-time payment that day, then created a new account on the new website and set up a new auto-pay that is working great and no payments have been late or missed since. 

Because of the lack of clear communication from XXXX, both my son XXXX ( last four of SS # XXXX ), who is the owner of the home and my wife XXXX ( last four of SS # XXXX ) and my ( we are co-signers on the account ) credit took very big hits. Wed appreciate any help to remove the late payment from our credit reports. Thank you for your time and consideration.
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Regional Acceptance Corp. ( RAC ) records show that my vehicle was repossessed and sold by RAC in  the state of North Carolina and resold on or about XX/XX/2017. The balance remained on my account after the sale of my vehicle. In connection with the repossession and sale of the vehicle by RAC I  was NOT sent ANY post repossession notices which are mandated by North Carolina Law, I was not sent : -Notice of Default and Right of Redemption/Right of Reinstatement -Notice of Sale -Post-Sale Notices Under the laws of the State of North Carolina UCC and State XXXX and XXXX 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. 

RAC is continuing to report inaccurate information on all three credit bureaus. I disputed this information with the 3 bureaus ( XXXX, XXXX, XXXX ) but RAC tells them their reporting is accurate so not one bureau will remove this account - or even update the balance - or even mark the account closed. 

This is a violation of the FDCPA and FCRA.
Complaint sub-issue: Company closed your account

I was reviewing my credit report and noticed that the company closed my account on XX/XX/19. I did not request account closure and my account was in good standing throughout the lifetime of the account.
Complaint sub-issue: Public record information inaccurate

I have reached out and filed disputes with XXXX, Equifax and XXXX about reporting inaccurate info on my credit report and the only thing they have done was updated I am not sure of the dates but most recent was XXXX of XXXX and it came back as not removed or deleted but updated. I have asked these credit bureaus to validate the accounts first and since then I have not received any updates verifying these accounts. I have also called each credit reporting agencies to update personal information and disputed inquries that I have not consent any company to check my credit and there has been no change since last year XXXX.
Complaint sub-issue: Debt was result of identity theft

On XXXX XX/XX/XXXX I received a demand payment notice regarding account number XXXX dated XXXX XX/XX/XXXX from Unifin collections agency for an unpaid XXXX XXXX debt of {$1800.00}. 
When calling the company, the female debt collector stated the account was attached to my social security number. I demanded to know how did XXXX gain access to it and personal information since there was a security freeze put on my credit files in XXXX, and another one put into place in XXXX after reporting identity theft in XXXX of that year. I stated that someone had used my personal information to open a XXXX account and then created a bill in spite of the security freeze placed with all three credit reporting agencies.
Complaint sub-issue: Debt was paid

Morning, My name is   XXXX   XXXX  . I have been trying to fix my credit now for the pass few months. I have been getting repeated phone calls from this company I have asked them to verify this Debt if not deleted this from my Credit Report instead all I got back was a letter indicating my name and debt amount is correct. Which is not : ( Bellow is the BBB Complaint I had file :   XX/XX/2017   Receive Business Response Thank you for the notification of the compliant filed by  XXXX  (  XXXX  )  XXXX . CKS Financial appreciates the opportunity to respond to her concerns. Please note that upon notice of the compliant, a member of our Compliance team conducted an investigation into the allegations, including a review of all telephone and written communication associated with the account. A summary of that investigation follows : On   XXXX    XXXX , 2017, we received a call from   XXXX   XXXX   after she was informed by the original creditor, that her account had been sold to us. During that conversation, she requested a reduced payment arrangement, as well as a deletion of the account from her credit report. The agent confirmed CKS Financial 's purchase of the account and offered a reduced payment arrangement. The agent also informed   XXXX   XXXX   that if the account was being reported by CKS Financial to a credit reporting agency that it would be reported accurately to reflect the account status.
 XXXX 
While CKS has attempted to resolve the account with   XXXX   XXXX   and offered several reduced payment arrangements,   XXXX   XXXX   XXXX   insistence that we delete the account from her credit report has prevented us from reaching a resolution of the account.
 XXXX 
In response to   XXXX   XXXX   XXXX    allegation of receiving daily telephone calls from our office. A review of the telephone activity does not support that allegation.
 XXXX 
In response to   XXXX   XXXX   XXXX   request for account validation, our records do not reflect receipt of said correspondence. We have however validated the account and have provided it to her along with this response at the address provided by her in this complaint.
    
We invite   XXXX   XXXX   to contact a member of our Compliance team if she has any questions or would like to provide additional information. A member of our Compliance team is available Monday through Friday from  XXXX  to   XXXX   Eastern Standard time and can be reached directly at  XXXX  or  XXXX 
         XX/XX/2017  Notify Business of Dispute  XX/XX/2017  Send Acknowledgement to Consumer  XX/XX/2017  Case Reviewed by BBB  XX/XX/2017   Case Received by BBB
Complaint sub-issue: Account status incorrect

Hello, I have been disputing a XXXX XXXX with Equifax for some time now. This account is past the statute of limitations for California ( 7 years from DLA, which is XX/XX/XXXX ) XXXX and XXXX have followed the FCRA and removed the account but Equifax refuses. I spent over 1 hour on hold to be told they could do nothing more then dispute it which I have done 10+ times over the last 2 years. XXXX is violating the law by updating the DLA to XX/XX/XXXX, which is incorrect as I have had zero communication with this company since XX/XX/XXXX. Equifax tells me that they can only go by whats reporting and Porsche is not violating any laws by doing so. I have applied for a home loan and was denied do to the XXXX account and the XXXX balance owed. Please help me rectify this situation as they are clearly breaking the law.
Complaint sub-issue: Trouble with how payments are handled

I have been trying to pay the balance down by paying extra on each payment and sending in a small amount in addition to that. The company is not applying the extra to my principal balance - despite the fact that I am current. When I asked about it they gave me some ridiculous line about the simple interest calculation. It sounds like a corrupt practice and is definitely causing me harm. Additionally, they are not providing me regular statements, sometimes going months between statements ( no XX/XX/XXXX statement ever produced or received, no statements in XX/XX/XXXX or XX/XX/XXXX ) Here 's what they told me : Account : XXXX Thank you for contacting Firstmark Services. 
The interest on your student loan ( s ) is calculated using the daily simple interest method. Your interest accrues at a daily rate based on the principal balance and interest rate of your loan ( s ). 
To calculate how much interest has accrued on your account since your last payment, do the following : 1 ) Multiply the principal balance by the interest rate ( i.e. {$10000.00} x XXXX = {$800.00} ). 
2 ) Divide this amount by XXXX, which is the number of days per year ( i.e. {$800.00} / XXXX = {$2.00} ). 
3 ) Multiply the daily rate by the number of days since your last payment ( i.e. {$2.00} x XXXX = {$10.00} ). 
4 ) This is the amount of interest that has accrued on your account. 
Please note that when a payment is received, it is first applied to any fees ( if applicable ), then to accrued interest, and finally to principal. 
Your previous payment was received XX/XX/XXXX, and your most recent payment was received XX/XX/XXXX. Since 23 days elapsed between payments, {$410.00} of your payment was applied to interest. 
We appreciate the opportunity to serve you as a valued customer. If you have any other questions, please respond to this e-mail or visit our website at XXXX. 
Sincerely, Firstmark Customer Service
Complaint sub-issue: Their investigation did not fix an error on your report

o whom it may concern, Block and remove all information resulting from Identity Theft pursuant to 15 U.S.Code 1681 c-2 under the FCRA which states a consumer reporting agency shall block the reporting of any information in the file of a consumer not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

This is an identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.
Complaint sub-issue: Information belongs to someone else

upon checking my Equifax credit report i notice i have a fraudulent account on report i reach out to Equifax and they have not fixed the problem
Complaint sub-issue: Debt is not mine

I am being harassed by debt collectors over debts owed by tenants who rented a room in my home over a decade ago. Most recently, " American Education Services '' / '' XXXX '' have been calling and sending letters demanding I give them contact info for the supposed debtor. ( Her mother was the tenant-of-record, and she was in middle school when they lived here. ) The letter says " he/she listed you as a personal reference that we could contact to verify his/her address and telephone number '', which is a LIE ( I do n't HAVE her current contact info, and would n't give it to these scumbags even if I knew it ). The letter arrived about a week AFTER they called me early one morning for this info, and thus AFTER I told them that I had NO current connection to the debtor AND that they were BREAKING THE LAW by continuing to harass me over debt I did n't owe.
Complaint sub-issue: Problem getting my free annual report

Equifax will not send me my annual credit report. I have requested this several times. I have n't received a credit report in over 2 years.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

In XX/XX/2019, received a calls to lower my interest rate on credit cards. In which I still do, I talked to 3 individuals one representing to lower the credit card rate has for my information, next I k ow I received a call from XXXX  stating I was approved.I reck the credit card XX/XX/XXXX but I never called in to open the account. But on XX/XX/XXXX I received a statement with a transfer to a XXXX XXXX XXXX  for XXXX.I never in my life dealt with this company never.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX
Complaint sub-issue: Account status incorrect

Despite the multiple previous written requests in Equifax Credit Bureau, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the accounts that need to update or remove from my report immediately. 
XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX  XXXX Balance : {$290.00}