Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

I am furious with XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I'm in the process of purchasing a home so I contacted them XX/XX/XXXX because they reported I did not make a payment for XXXX is which I did totaling {$320.00} for XXXX. The Month ending limit on my credit report shows a {$430.00} owed to XXXX XXXX when in fact I've already made my payment on XX/XX/XXXX. Now I have not only over draft but credit reporting at XXXX and my Limit is XXXX a month. They were supposed to contact me within 10 business days for an update. I have yet to receive any updates as I've called several times getting the run around. Now it's XX/XX/XXXX they are now reporting I only paid {$150.00} showing a balance of {$250.00} for XXXX payment when in fact I've paid {$270.00} for XXXX ( first payment was {$100.00} on the XXXX and second payment for {$170.00} on XX/XX/XXXX ). My ending balance is showing {$250.00} which I had no late payment charges. I am livid with this company lying as if I hadn't paid anything. The mortgage company is hounding me in which I've hounded these people for the last month. Still nothing is correct on my credit report. I need them to make the correct changes showing my limit is {$400.00} and my balance was {$120.00} for XX/XX/XXXX. This information they are stating is completely incorrect. They are holding up my home buying process. I need this fixed today!!!!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, Discover Bank Account # : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Investigation took more than 30 days

On XXXX I sent a letter to Equifax regarding inaccurate and negative information on my credit report. 

It has currently been more than 35 days and I have yet to receive a response. I feel like I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ) 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 35 days so they should be deleted promptly. 

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 got into the hands of the wrong person.
Complaint sub-issue: Account status incorrect

I have an auto loan that has been closed. Ive called and disputed directly with Equifax and XXXX, but they won't comply or respond to my letters.
Complaint sub-issue: Information belongs to someone else

After reviewing my credit report I found numerous items listed that are erroneous and in accurate, and is causing serious negative impact on my credit worthiness.
Complaint sub-issue: Qualify for a better loan than offered

Back in XXXX, I was talked into a very expensive education loan XXXX. At the time the job I had was going to end and their was really no jobs XXXX available because of the economic conditions. As I went through the training I realized I would never get a job in this field because #! I did not have any experience in the XXXX field and on top of that there were literally thousands of people being talked into these training programs because of the poor economy and fear they needed to retrain so they could get a job. The initial loan was {$15000.00}. I have been paying on it since XXXX and the balance is still over {$12000.00}. It is not scheduled to end until XXXX.
Complaint sub-issue: Investigation took more than 30 days

I recently sent a dispute letter to XXXX, Equifax, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. 

It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

The amount due for my Macy 's bill, payment due date XX/XX/2020 was {$170.00}. However, there were charges for {$100.00} and {$64.00}, respectively, a total of {$160.00} for merchandise that was ordered but not received. Therefore, I sent in a payment in the amount of {$9.00}, which was received on the payment due date. 

However, on my next bill, bill payment due XX/XX/2020, I was not credited in the amount of {$160.00} for merchandise ordered but not received, as indicated above. As a result, in addition to not crediting me in the amount of {$160.00}, Macy 's assessed an interest charge of {$3.00}. In addition, Macy 's also assessed me a late charge of {$28.00}, even though the payment I submitted was submitted and received on the due date.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 47 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it 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 45 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or will file for litigation due to high stress from this horrible experience, this isn't right! I have false reporting of accounts to my credit report that do not belong to me! Also after further research I found out my information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022, I sent a letter regarding inaccurate and unfair items on my report. ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( A ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. You HAD 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ). It has been well OVER 60 days! Under the FCRA, unverifiable accounts must be removed. I demand these accounts to be REMOVED before legal action is taken.
Complaint sub-issue: Information belongs to someone else

I was a victim of identity theft, I filed a Report Numbered : with the FTC and the XXXX  is the only Bureau that is still reporting the fraudulent account, every time I call stay on phone for hours they keep on giving me the runaround. 
it s a Citibank credit card account opened fraudulently.
Complaint sub-issue: Can't temporarily delay making payments

AES/XXXX XXXX XXXX XXXX XXXX, PA XXXX USA ( XXXX ) XXXX AES/XXXX XXXX gave me a private school loan on XX/XX/XXXX for {$75000.00}. This loan was found to be not exempt from bankruptcy. I filed bankruptcy in XX/XX/XXXX and they kept sending bills. XXXX XXXX XXXX in XXXX Michigan has found this loan to be dischargeable in my previous bankruptcy and has sent notification more than 2 months ago to them. They were asked for an accounting of all payments made since bankruptcy and for the monies to be returned to me promptly. I have no responses from them nor has the attorney. I have paid nearly 40,000 to them in payments in the last 7+ years that they were NOT entitled to. I would like my payments refunded and the incorrect non-payment information and the account blemishes removed from my credit. I was instructed by legal counsel to stop paying them and they have ruined my credit based on payments they are not owed and that they owe me back XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 Credit Bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Account opened as a result of fraud

On XX/XX/2020, someone in another state bought a XXXX card and had my current phone number fraudulently transferred to it. From there, they were able to hack into my email and change all my passwords to my financial institutions. One of these involved Citibank. I had a Money Market account and a credit card, both in good standing, with them. They changed my password, logged in under me, opened an account fraudulently, then transferred {$1400.00} from my Money Market account, and did two cash advances ( done online ) for {$800.00} and {$1000.00}, then transferred that to the fraudulent account, then transferred it out of the new account, all within 45 minutes. I have gone back and forth with them since XX/XX/XXXX, and they have denied my fraud claims a couple of times, so I keep having them dispute the denial. They are saying that since my address, phone number, and email are all correct on the fraudulent account, then it wasn't fraud.
Complaint sub-issue: Information belongs to someone else

XX/XX/2021 a dispute was filed with Equifax, XXXX  and XXXX regarding an account that was open fraudulently. I have contacted the creditor, creditor closed the account due to fraudulent issues. As I reach out to the XXXX, equifax, and XXXX, they are refusing stating it meets FCRA guidelines. Such statement is false.
Complaint sub-issue: Can't temporarily postpone payments

reported to collections early ... negatively impacting credit report AES student loans
Complaint sub-issue: Account opened as a result of fraud

Someone opened a fraudulent PNC checking account using my name. On XX/XX/22 I called the bank to report fraud but could not find a good resource.
Complaint sub-issue: Personal information incorrect

Equifax refuses to correct my Name on my credit report. I have sent a copy of my driver license, proof of resident, and my social security card to prove my name and that I am not a man. Equifax claims they never received my documents. Equifax has my name as XXXX XXXX XXXX.
Complaint sub-issue: Debt is not yours

Afni, Inc is  attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  or   XXXX    ) this acti on might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit rep orts. Afni, Inc are  in violation : the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character.
Complaint sub-issue: Problem with direct deposit

I am a senior that was required to apply for a Direct express debit card in order to receive my XXXX payments. This card is supposed to be available for use at any ATM or bank that has a MasterCard logo. I prefer to use the Bank teller for transaction but I have found that after one or two visit l would be redrected from the bank to a atm machine. These atm machines only dispense {$20.00} bills which is a problem if you need {$XXXX}. So I looked at the back of the card and found that the bank that does business with Direct express is the comerica bank. I started going there and was helped inside the bank by teller until XX/XX/19. When i was directed outside again. The ATM made me withdraw two times and I was forced to receive XXXX XXXX dollar bills. Counting that amount of XXXX XXXX in the street is dangerous because you're always looking over your shoulder and you lose count so the machine can short change. 
a person. I was prompted to go outside to this absurdity again on XX/XX/19 and again on XX/XX/19. So i went into the bank a bit perturbed and request in the XXXX exchange for XXXX. When I asked why i always had to go outside to the ATM, The teller dismisses my questions with a XXXX ' I shall not address this issue with you. ' so I asked her if it was an absurd to have all these {$20.00} bills handed to me outside in the ATM. The Teller replied again 'I will not address this issue with you ' She asked me how much i handed her and my reply was that i didnt know and that she should count it. She replied it's my job to count money. I respondedThen do your job. she became bitter and said she would not help me anymore and pushed the XXXX XXXX back to me. I had to find a manager who at least exchanged the bills but refused to give me his or the tellers name. I received a card but it was not whom i dealt with. The card was for a -person named. XXXX XXXX. Assistance banking center manager her phone number is XXXX XXXX - XXXX. I wrote her an email as well as a text message and have not heard from her. I called the social security administration and was informed that all banks that have a MasterCard logo are suppose to allow me excess to the ATM or teller
Complaint sub-issue: Investigation took too long

Hi i sent sent Equfax XXXX XXXX letter to validate an alleged dept on XXXX XXXX 2015 registered mail ( XXXX ) according to XXXX post they recieved letter.I excersized my lawfull right under section section 611 ( a ) ( 1 ) ( a ) their method of verification pursuant to the fair dept reporting act. I gave them 35 days to respond, they ignored mt letter. I sent another letter XXXX XXXX 2015 registered mail ( XXXX XXXX ) according to XXXX post they recieved this letter also.This letter basicaly told them they are non compliance of the fdra for not responding this dept has not been validated and its against federal law to keep reporting it.Please delete this derogatory item immediately.They had 30 days to respond any further delays are inexcusable. This is now been 60 days no response, they have blatant disreguard of the federal law.I sent out 3rd letter again excersizing my lawfull rights i told them under section 609 ( a ) ( 1 ) ( a ) i asked to see phyically see an origional signed certifyed consumer contract with wet ink signature on it.Copies of copies are not validation and by law are not considered proof.They have ignored three registered letters and are in serious violation of fcra.Due to their lack of response i presume that there is no proof of alleged dept, nor therefore any such dept, in fact exsists.According the the fdra any inaccurate or any unverifiable dept must be deleted.I want to have equfax comply with the federal law and delete this derogatory dept immediately.
Complaint sub-issue: Reporting company used your report improperly

I have never giving my legal consent to have CBNA Bank Credit cards to run my credit and cause an inquiry Dated XX/XX/2018 their for causing a negative impact to my credit score.
Complaint sub-issue: Information belongs to someone else

I had a loan through XXXX XXXX  XXXX taken out by someone who was not me! Accounts can be check I never received this loan my identity was stolen to apply for this loan.
Complaint sub-issue: Account information incorrect

I have advised Equifax that they were reporting in correct information on my credit report as it relates to XXXX. Account NUBMER XXXX. XXXX sent me a notice that the account was being removed and it was not to be reported on my credit. To date- Equifax continues to say the account has been verified as being reported accurately. XXXX has settled 2 law suites because of this. 

A consent order has been issued by the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX for allegedly violating the Fair Credit Reporting Act. The CFPB has ordered the originator and servicer of nonprime auto loans and leases to pay a fine of {$4.00} million to settle charges that it knowingly supplied inaccurate consumer credit data to the three major credit reporting agencies ( CRAs ).
Complaint sub-issue: Information belongs to someone else

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. 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: Credit inquiries on your report that you don't recognize

XX/XX/2017 CREDCO RE : Request for investigation of Unauthorized Inquiry I check my personal credit report and found an unauthorized credit inquired with your bank information I haven't give the authorization to any institution to check my credit. I request the you initiate an investigation to determine who authorized the credit inquiry. If, once your investigation is completed and you find my allegation to be true, please remove the unauthorized inquiry. if you find the inquiry to be valid, please send me a description of the procedure used in your investigation within 15 business days of the completion of the investigation. 
Thank you : XXXX XXXX XXXX
Complaint sub-issue: Account terms

XXXX is listing wrong information on my credit report. XXXX sent me a " statement balance. '' The statement balance is wrong because the payments that I have made have not reduced the balance on the loans. In addition, what XXXX is reporting to my credit report does not correlate with the statement balance I received from XXXX. The statement balance I received from XXXX which shows a discrepancy to what they are reporting to my credit report is attached to this complaint and is a flagrant violation of the Fair Credit Reporting Act. The statement balance I received from XXXX is at least {$13000.00} less than what XXXX is reporting on my credit report and is a flagrant violation of the Fair Credit Reporting Act. XXXX is illegally reporting a higher balance than what they provided as a statement balance to further damage my credit rating in flagrant violation of the Fair Credit Reporting Act.
Complaint sub-issue: Account information incorrect

I have filed disputes in regards to the incorrect items on my credit report. It has been over 15 days and I haven't received any results to my validation letter.
Complaint sub-issue: Information belongs to someone else

opted out dont to report to XXXX XXXX ftc violations
Complaint sub-issue: Don't agree with the fees charged

MOHELA states on their website " XXXX XXXX Interest Rate Your interest rate is XXXX XXXX from XX/XX/XXXX through XXXX XXXX, XXXX. 
Payments made on or after XX/XX/XXXX were automatically adjusted. 
Payments are applied first towards the interest accrued prior to XX/XX/XXXX. The remainder is applied to the principal balance. '' On XX/XX/XXXX, I noticed XXXX XXXX interest started being charged on XXXX of my loans with MOHELA. I do not know the exact date the interest began. I have been trying to contact customer service as to why my loan is being charged XXXX XXXX interest when the XXXX XXXX interest rate and payment pause are to continue until XX/XX/XXXX. My loans remain in forbearance ; however, they have started charging interest. 

I recently completed a military assignment, which qualified me for XXXX benefits ( lowering of interest to XXXX XXXX ) ; however, there was no necessary adjustment since interest was already at XXXX XXXX. MOHELA has notified me of the end of my XXXX benefits via letters this week, but the end/beginning of XXXX benefits should have no effect during this interest/payment pause. MOHELA has not responded to my request on XX/XX/XXXX wherein I asked for the reason for the interest charge and asked for it to be refunded to me. Interest continues to accrue daily.
Complaint sub-issue: Their investigation did not fix an error on your report

disputed the inaccuracy showing on my credit with this lender and they fail to update or remove the account if they can't verify the accuracy. this account is a charge off account but still reporting late payments which is a violation. XXXX  sold the account to a collection agency but still showing a past due and both times after disputing with XXXX  and the bureaus they sent back letters saying the account as been verified but yet still the inaccuracy is still being reported on my account
Complaint sub-issue: Their investigation did not fix an error on your report

In late XXXX I lost a job. As a consequence I had problems paying bills. 

One of the bills was XXXX XXXX. The account was turned over to XXXX XXXX XXXX in XXXX, NY. 

Subsequently I contacted them to see if there was a way to settle the account. 

They told me it had been given to a law office and gave me the number. 

I called a number of times ( XXXX ) and left voice mail but never got a call back. 

I 've called XXXX and never been able to reach anyone to talk to about the account.
Complaint sub-issue: Billing dispute for services

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Old information reappears or never goes away

1. The debt collector is illegally reporting data that is beyond the statue of limitations and is time barred.

2. The debt collector stated that I never called in however stated I requested a investigation. Also I will be attaching a screenshot of my call to the debt collector when a representative told me that the debt was pass the statue of limitations so technically they could not report. 
3. I will be requesting the recording of that call that took place XX/XX/2021XXXX 4. Not to mention this is debt that has been written off by the original creditor and resold and reported meaning it has affected my credit score twice doe the same debt.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update these inaccurate accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior request and I'm including it again. 
XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$190000.00}