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 that I am (60) days late on the XXXX  – partial account number ****XXXX.  (Please see page attached from my credit report.)    When this loan was sold from XXXX XXXX, I was not notified in a timely manner and I would have to physically track down the new holder of the note and make sure the payments were being applied correctly to the new loan.  The law requires that “you be notified within (15) days of the sale of the mortgage and that you should receive two letters, one from your old lender and one from your new lender. These letters should provide you with all the information you will need to communicate with the new lender, including where and how to make your payments.”  Pursuant to the Real Estate Settlement and Procedures Act or (RESPA) – “If you have sent your payment to your old lender by mistake, RESPA protects you against penalties for a limited amount of time after the mortgage transfer.  After your mortgage is sold, there is a 60-day grace period during which the new lender cannot charge a late fee on payment, if you mistakenly sent that payment to the old lender. This two-month grace period “protects the borrower.  If you are late due to sending the payment to your old lender, the new lender may not report it to any credit agency. Your loan cannot be deemed delinquent during this grace period, either.”  The lates that are reporting are false.  I was never notified in a timely manner of the new lien holder and this account most certainly falls within the 60-day grace period wherein the lender cannot charge a late fee on payment.  I respectfully request that these late payments be removed.  This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report.  I have contacted the (3) bureaus to remove these however, I have not been successful.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Billing dispute for services

I had student loan from 2010 when I was in college. The student loan is for XXXX XXXX in XXXX, FL. The loan was suppose to be for XXXX I paid XXXX of it. I owe XXXX left, I been gradually paying it over the years. but the impact of the remaining balance have left my credit score tremendously low. it was originally at XXXX but I got it down to XXXX on top of paying the other loan. Again its been open and I would like this resolve from my account. its XXXX XXXX service US Department of Education.
Complaint sub-issue: Debt is not yours

I was sitting at home checking my emails and received notification that my information had been exposed in the XXXX data breach and it caused me to check my credit report. I noticed a few accounts that I did not authorize or recognize to be anything I had done. I reached out to the creditors as well as the bureaus involved. I sent the first certified letter to PDQ on XXXX XXXX asking for a validation of the debt which I received no response nor did I ever receive anything prior from them regarding a debt. I then sent a certified letter to XXXX and XXXX disputing the debt. One bureau replied stating unable to verfiy the debt and removed the account from my profile the other showed verfified. I then sent 2nd letter asking for validation of debt and still no response. At this point I know my rights as a consumer of the Fair Debt Collections Practices Act has been VIOLATED. The collector must validate the debt and PDQ has failed to do so and if this office is not going to enforce the law I will have no choice but to file a lawsuit. This has caused me more distress physically and mentally. I have all correspondence that I have sent certified to both the collection agency and credit bureau attached.
Complaint sub-issue: Information belongs to someone else

I LOGGED INTO MY CREDIT MONITORING SITE AND NOTICED THAT THERE WAS SOME FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THESE ARE THE ACCOUNTS AND DATES WITH THE AMOUNTS 1XXXXXXXX XXXX XXXX {$720.00} DATE OPENED ON XXXX 2.ENHANCED RECOVERY COL {$250.00} DATE OPENED ON XX/XX/XXXX 3.XXXX XXXX {$300.00} DATE OPENED ON XX/XX/XXXX 4.XXXX XXXX XXXX {$19000.00} DATE OPENED ON XX/XX/XXXX 5.XXXX XXXX XXXX  {$360.00} DATE OPENED ON XXXX 6.XXXX XXXX XXXX {$650.00} DATE OPENED ON XX/XX/XXXX 7.XXXX XXXX XXXX  {$240.00} DATE OPENED ON XX/XX/XXXX
Complaint sub-issue: Funds not handled or disbursed as instructed

Unfortunately I trusted Citi Bank with my checking needs and they have lied about my account bonus multiple times On XX/XX/2018 I opened a new checking account with Citi. I already had a credit card with them and on my online account they had advertised the following offer : ** " Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : 1. ) Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 2. ) Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days '' ** I met those requirements, called and chatted multiple times with Citi representatives who said the offer was on my account and would be given within 90 days of meeting the requirement. 

On XX/XX/XXXX it had been 90 days since I met all the requirements and the terms said the bonus would be posted by then. I called after XX/XX/XXXX and said I still haven't received my bonus and a representative opened an investigation and said it would be given within 2 days. I called three days later and they said the same thing, I called again on XX/XX/XXXX and they said it will now take 60 days to process the bonus .... 

This absurd given the fact that multiple citi representatives said  otherwise and that it would take so long to honor a bonus that I have confirmed that Citi already knows is attached to my account and they have confirmed I have met the bonus. I met the requirements for the bonus on XX/XX/2018 and they are just stringing me along for the ride. I'm really disappointment with Citi and they integrity and honestly dealing with this issue.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

This weekend, I learned that an account I had with Macy 's department store, financed by Citibank, was made an active collection account. This account was included in XXXX XXXX XXXX  almost three years ago. When I contacted the company to learn what happened, I was told I could only obtain information concerning the account if I could provide an account number/transaction amount/last payment amount.
Complaint sub-issue: Other problem getting your report or credit score

They only fixed where I can see my score but nothing else
Complaint sub-issue: Account information incorrect

I received my reinvestigation back from XXXX, XXXX and Equifax regarding this account : XXXX XXXX XXXX XXXX ACCT # : XXXX. They stated everything was 100 % completed and updated as accurate. I would like to receive the description according to 15 USC 1681 ( i ) ( 7 ). Because this account is not accurate.

There are discrepancies in the date of last activity, date reported, date opened, closing date and the date of late made payment. I have included a screenshot of my most recent consumer report from SmartCredit.com comparing these inaccuracies as well as the most recent report directly from these bureaus. They did not modify or delete the information from my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).
Complaint sub-issue: Personal information incorrect

Equifax has a great deal of incorrect information on their report. I can not access the results of any of my complaints ; because they have an invalid address for me on their file. Each time I try to access information, I am unable to do so, because my accurate data does not match their files. I have notified them several times, and they will not correct the data. Once, I received a reply asking me to fax personal data, including my SSN, to an un-monitored fax location. Since Equifax has already proven that they can not protect data, I refused. Note : their recent hacks have made the situation worse. Their data is so bad, that I feel that my situation is hopeless. I have paid all debts that were mine, and I can not do anything about the bad data. I have filed over 100 complaints, and they do nothing.
Complaint sub-issue: Information belongs to someone else

I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX  XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Complaint sub-issue: Account information incorrect

I dispute XXXX XXXX XXXX account for payment history. The payment history is incorrect for XXXX XXXX XXXX account. I am requesting that this item is deleted on my credit report.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Hello, and I hope all is well. XX/XX/2020 letters were sent to addressed issues : While reviewing the credit profile to XXXX, the number of uncertain tradelines continues to be placed when the debt is due to repeated visits to practices within the healthcare system. Financial assistance was not offered during times of service. While receiving treatments for compromised issues, protocols are in place to ensure the debt will not accumulate. XXXX XXXX XXXX hired a third-party National Recovery Agency to report multiple items on the credit profile. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft for about 5 years now, my information was leaked during the Equifax breach. I have disputed the items that are fraudulent on my credit report 3 times with all 3 bureaus and they all do the same thing. They open a dispute and close it within a DAY! Sometimes its closed within the hour! They DO NOT INVESTIGATE! Investigations take time and require a human being look over the evidence, which has never happened in my case. I have sent in the identity theft reports, police reports, and recently their were 2 individuals arrested with my stolen information and items. I sent them this evidence as well and it has gone unrecognized. Its beyond frustrating! The items that need deleted from my report that have DESTROYED MY GOOD CREDIT, are XXXX, XXXXXXXX XXXX XXXX and XXXX. I will upload all the evidence on this complaint.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted each company about multiple inquiries and all said to call credit reporting company. some said they have no record of my information in system XX/XX/2021 I contacted equifax and they told me to file ftc report and they would remove unauthorized inquiries.
Complaint sub-issue: No notice of investigation status/result

Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX. Also, by Equifax Credit Reporting Agency and XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made XXXX aware of this they have not done an accurate investigation on XXXX XXXX XXXX. So, I called XXXX XXXX for the Secretary of State Texas Debt Collections Division and found out that XXXX XXXX XXXX is breaking : " Texas Finance Code section XXXX which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the state of Texas with a XXXX '' I am in need of another Investigation to remove them from my credit report please.
Complaint sub-issue: Reporting company used your report improperly

Equifax allowed hackers to gain access to all my financial and social security number information. As the Consumer Protectors, I call upon you to help the 130 million plus Americans who are vulnerable. Can you please let me kn ow what you are doing? When I phoned in, your operator just hung up on me. That has never happened in a call to the government or my representatives before. To say the least, I was shocked by your disregard of ma question from the public you are supposed to serve. Will you answer this or ignore it as well?
Complaint sub-issue: Problem during payment process

The company claims that on XXXX XXXX, XXXX, I made a payment via the automated system using a different checking account number than was previously used in the last six months and that the payment was subsequently returned by my financial institution as unpaid on XXXX XXXX, XXXX. This information is false. My financial institution has confirmed there was no request for payment submitted whatsoever. Furthermore, I have proof I used that bank account within the previous six months sucessfully to make the payment. Company claims the same thing happened again on XXXX XXXX, XXXX. Again, my financial institution reports no payment request was made, and, again, this account was used successfully in the past. Company claims they gave me a {$25.00} credit. They did not. They refuse to return the two {$25.00} returned check fees. There were no returned checks, so they need to refund me the Two, {$25.00} returned check fees. A customer service representative told me he would refund the returned check fees. They never did.
Complaint sub-issue: Information belongs to someone else

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/Equifax/ XXXX & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX ACCT : unknown AMT :  {$380.00} XXXX XXXX XXXX ACCT : unknown AMT :  {$440.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXX/XXXX  XX/XX/2020 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that  previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and XXXX   all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/2020 XXXX
Complaint sub-issue: Information belongs to someone else

Upon checking my credit report I noticed this unauthorized fraudulent account from Discover Card. I never authorized to open a discover card, as I have never owned a card from this establishment nonwhatosver period
Complaint sub-issue: Card opened as result of identity theft or fraud

I closed this discover account in XXXX XXXX XXXX and there was heavy fraud on the account and to find out the card was being used since and now has a high balance of {$11000.00}. And they're trying to make me responsible for this.
Complaint sub-issue: Debt is not mine

I maintained an individual bank account with PNC bank with their virtual wallet account, which consists of XXXX separate accounts, I asked earlier that the entire " wallet '' be CLOSED, and any balances be transferred to my joint wallet account with my husband, The bank confirmed the closing and the transfer, Somehow, the bank imposed a XXXX fee on the closed account, and I have received XXXX letters, copy of XXXX attached, insisting I am OVERDRAWN and that action will be taken if I do not settle the overdrawn account? I contacted the bank, and was advised it was an error and that they had not closed the account properly, Yet I still receive these threatening letters, I am therefore filing a formal complaint regarding a debt I do not owe, and never owed, I expect the bank to issue a formal letter to me stating there is no debt, and also stating that any negative information sent to any of the XXXX major credit bureaus and to any other credit reporting services has been removed, and I want confirmation from those bureaus that such action was taken, The bank should be sanctioned for issuing this letter in the XXXX place, and not voluntarily issuing a correction letter when it recognized its error, Please advise action taken, ( most recent letter attached to this complaint
Complaint sub-issue: Trouble with how payments are handled

My loans were consolidated into two payment groups A and B and are combined for monthly payment purposes. In additional to my monthly payment I have been making principal payments to loan group A and not advancing the due date. Nelnet recently recalculated my monthly payment to a lower amount. I did not request that the account be reviewed or adjusted, and I had not paid off any of the loan groups to warrant a reduction in the payment. The only benefit of Nelnet doing this would be to ensure that they maximize the interest payments made on the loan. If I were to start making these lower monthly payments, then the term of the loan ( in months ) would remain the same and Nelnet profits from the full interest paid. I realize that I can pay the difference in a manual payment per month but I have an issue with the continually dishonest practices of this company. They clearly saw that the principal was being paid down on the loan and re-calculated the payment amount to better themselves financially. Is it even legal to do that for no reason? At some point during these principal payments Nelnet advanced the due date of my loan out to XX/XX/2021 which is NOT what I requested. I specifically choose the do not advance the due date button when I made these payments.
Complaint sub-issue: Didn't receive enough information to verify debt

IC Systems Collection agency reported a alleged medical debt of {$1400.00} to the credit reporting agency from XX/XX/XXXX I received a credit alert. I contacted the collection agency on XX/XX/XXXX and question the debt and why I was not notified in writing, which the letter was then sent a week after my telephone. I have repeatedly verbally ask the collection agency to validate this debt by sending me documentation and not just a itemized bill. I asked that it can be sent either from them OR the original creditor directly to me due to any HIPPA laws. I have called to follow up on several occasions.Dates of contact were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I kept getting the same response " the original creditor has not responded ''. I sent a electronic request via IC Systems Collections website to dispute on XX/XX/XXXX, again no information was sent and I lastly sent a certified letter on XX/XX/XXXX. This is becoming so overwhelming and is also effecting my credit score.
Complaint sub-issue: Investigation took more than 30 days

ON XX/XX/2021 I sent ATG Credit LLC a letter because I received a notification from the 3 bureau 's stating that this debt collector added to my credit profile as a collections account. My letter included me asking the company to verify and validate that I owe this debt. I do not owe this debt. I do not have a contract for this debt yet, it was sold to this company. I also called ATG Multiple times to verify that they received my letter which they did because I sent it priority mail with tracking number XXXX XXXX XXXX XXXX XXXX XXXX. Someone from their office received my letter and processed it in their system according to the representative that I spoke to. The Rep also explained that the manager would call me back with more information, it never happened. I called multiple times, the company transfers me and gives me the run around. Today is XX/XX/2021, I have yet to receive a response from ATG by mail, phone, etc. By law, debt collectors have 30 days to investigate a dispute, it has been well over the 30 days for this dispute. I would like this removed from my credit report immediately. This company is committing fraud and has several complaints with the XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

My information was leaked from a breach with my doctors office. I received a recent notification and then I looked closer at my report & noticed that there have been a lot of request that someone made attempting to open accounts in my name that I did no give them my permission to do so
Complaint sub-issue: Information belongs to someone else

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2021