Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble with how payments are being handled

After graduating in XX/XX/XXXX, XXXX XXXX was my loan provider through XX/XX/XXXX. All payments were made on-time and applied towards the PSLF program. Upon transferring to XXXX XXXX, when I received my PSLF qualifying payment update on XX/XX/XXXX, I noticed that they only counted one payment for the entire year spanning XX/XX/XXXX to XX/XX/XXXX. I contacted them on four separate occasions over the past year to have this rectified. They reported that it was a mistake due to the transfer of the loan and they would provide me with an updated copy showing the appropriate payments that were made through AUTO-PAY, on-time each month. I have yet to receive this document, even after contacting them multiple times for it. They reported that they were " behind '' but a year later is unacceptable.
Complaint sub-issue: Information belongs to someone else

Been contacting creditors, bureaus, third parties after 45 days I still have not seen or got a written response. A computer generated response is unacceptable. Remove this bull off my credit file you keep going against the law. Its clear! You guys are not following your written statements so In this matter before things get worse and legal remove these inaccuracies now! I dont even understand how could this happen I didnt give anyone any consent to access my file man XXXX
Complaint sub-issue: Information belongs to someone else

I am i victim of Identity theft and have inform these companies and also sent the necessary supporting documents and these inquiries are not being removed. 

I am not looking for credit nor have i applied to XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX. on XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Please remove these inquiries and add the number XXXX as the number to contact before proceeding with any application.
Complaint sub-issue: Problem getting report or credit score

I need to talk with a HUMAN at Equifax. 
I have a freeze on my credit report with Equifax, which I am very grateful for. But, I am trying to get pre-approval for a home loan. I just need a temporary release of the information for the company to check it. I can not access the Equifax system because I do not have my pin number ( papers lost in a home fire ). The phone numbers I find on-line take me back to automated system with no option to get the pin nor to talk to a representative. The numbers I obtained from on-line, and CFPB either were no longer in service or were also automated. My complaint is Equifax is not user friendly. I need to talk to a human at Equifax to get help in reestablishing my pin so I can get the freeze temporarily lifted. There is NO problem with the other XXXX Credit Reporting systems. The necessary information was retrieved from them and I could have gotten the pre-approval in a timely manner except for Equifax.
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - EQUIFAX MORTGAGE SERVI XX/XX/XXXX - EQUIFAX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : - XXXX Account # XXXX - XXXX Account # : XXXX - XXXX XXXX XXXX  Account # XXXX - XXXX Account # XXXX - XXXX Account # XXXX 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 an account without my written instructions.
Complaint sub-issue: Debt is not mine

I do not owe this company any money. In fact they owe me money
Complaint sub-issue: Reporting company used your report improperly

I would like to dispute a collection account. The account is listed on my XXXX, XXXX, and EquiFax credit reports as XXXX. 

I've already asked XXXX, XXXX, and EquiFax to verify the accuracy of the information on my credit report. Upon looking at my updated credit report, I can see that there are still many inaccuracies being reported, even after each bureau 's independent investigation. 

Here are the specific INACCURACIES ( proof is attached ) : Account Number : XXXX : XXXX XXXX : XXXX Equifax : XXXX Date Of Last Activity XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Date Opened XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Closed Date : XXXX : XX/XX/XXXX XXXX : Not Listed Equifax : Not Listed Balance Owed : XXXX : {$320.00} XXXX : {$0.00} Equifax : {$320.00} Also, please note the 7 year history in the attachment. XXXX and XXXX are reporting ZERO 30 day late payments and ZERO 60 day late payments, while Equifax is reporting 1 30 day late and 1 60 day late. XXXX is reporting ZERO 90 day late payments while XXXX is reporting 4 and Equifax is reporting 15!

According to the FCRA, all information on consumer credit reports must be accurate. The information on this account is NOT being reported accurately, as it does not remain consistent across reports. 

Therefore, XXXX, EquiFax, and XXXX are all in violation of FCRA, and they are violating my consumer rights by continuing to report inaccurate information on my credit report and failing to properly investigate the accuracy of my credit report. 

I want the XXXX XXXX  account removed from my XXXX credit report, XXXX credit report, and Equifax credit report immediately, per FCRA regulations.
Complaint sub-issue: Deposits and withdrawals

I have a checking account at Citi Bank. On XX/XX/XXXX, early morning at XXXX XXXX I deposited my " PAYCHECK '' via ATM. I received a letter via notification that my PAYCHECK funds will be available in 3-5 business days.But after I deposited my paycheck, the next day Citi Bank seized my entire account. When I called customer service they connected me to fraud department saying due to an " unusual '' activity they are not clearing this check and have held all my savings. They said they are holding my entire account until they resolve this matter Not only did they block my account they also seized my all money that I had before depositing the check. After 4 days on XX/XX/XXXX they release my cash fund and Fraud department told me to visit Bank so Bank can help Me release funds.When I went to Citi Bank Branch located on XXXX XXXX XXXX, XXXX XXXX where I originally deposit my check into ATM. I spoke to Citi Bank Manager and even I explain to her and she went through my account and told me it 's not her department and she told me I have to contact fraud department while I was sitting there I called fraud department and I let her speak to fraud department and after she hung up she said she ca n't help me. I also dial XXXX XXXX manager where my employee issue check from and XXXX XXXX Manager also confirm that the fund has been released from their side. They are not holding any amount but still she refuse to help. I asked her to give me reason why my money is been held and she gave me a letter saying my fund will be release after XX/XX/XXXX. Sir, I have family to support including XXXX little kids, my daughter is XXXX XXXX  old and my son is only XXXX  XXXX. I have not received single letter from Citi Bank saying the reason for holding my Money. I already paid {$100.00} more to pay rent since my rent check has been returned and I had to borrow money to pay rent. I have attached documents so you can evaluate my situation and help me to release my fund early as possible.
Complaint sub-issue: Information belongs to someone else

I requested copies of my credit report from XXXX  & equifax XX/XX/XXXX that had many inaccurateies. I called them XXXX to dispute 2 visible items XXXX XXXX ( verison ) {$320.00} from XX/XX/XXXX. I was told contact debt collectors and agencies linked to origins of account. I did and was treated very terrible and was given no information from them to verify facts. I called transunion back to update the conversations and to exercise my fair credit reporting rights. They opened their own dispute again for the multiple time. As per the same with Equifax. This is a money making business they want us to struggle and force us to higher 3 rd party law/credit building or repair instututions. I'm indigent! I can't afford this hassle I filed with the ftc fraud alert as suggested by them and now they say send all this other requested documentations. I'm confused where and when do the rights of a United States citizen go into effect? I have been ask series of authentication questions via the web and no pertain to me. When answered correctly access is denied. Credit monitoring done out side of the United States. Does GDPR apply here? How do I know that the generated questions are nothing more than a trap to suggest worse credit monitoring requirements? They set this up in hope anyone willing to pay their 3rd party agencies to fix false information that has been applied to my credit report? They are not being honest however the little proof I have will not be admissible because they are not based inside the United States. They have lied to me over the phone. They have redirected me. They said things to make me feel like they cared and requested me services that i denied. I want this fixed per myself. XXXX- {$320.00} XXXX, XXXX {$2800.00} XXXX, are not my accounts i have done and ask all the appropriate questions. Results are unsatisfied. I'm asking for backup. My word in writing XXXX XX/XX/XXXX they are not my accounts. XXXX I assume opened them and i asked that they be removed because they are hurting me in my desired time to request emergency funding not available due to the inaccuracies. I read by law these companies can be held liable.
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 XXXX and XXXX credit bureaus must validate this account as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
CITICARDS CBNA XXXX Date opened XX/XX/2016 Balance : {$580.00}
Complaint sub-issue: Account status incorrect

I have sent numerous letters to Ally Financial about them reporting 30 late payments to all three credit bureaus. I did a payment extension with Ally financial and the continued to report that I was 30 days late for 30 payments. I have tried to contact them in writing numerous times and on the phone but to no avail. I dont even get a response in the mail. I transferred my loan to another bank due to these issues. the late payments need to be taken off immediately or I will have no choice but to seek legal action against Ally Financial.
Complaint sub-issue: Information belongs to someone else

It has been a battle going through and I am writing to remove the following fraudulent items in my file. The items I need removed are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. 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 Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with any items listed below showing on my credit report. I, therefore, request that you immediately removal of these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
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 XXXXXXXX Balance Owed : {$6300.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; DP OF EDUC XXXX Balance Owed : {$5100.00} ; DP OF EDUC XXXX Balance Owed : {$5100.00}
Complaint sub-issue: Problem using the card to withdraw money from an ATM

On XX/XX/2022, I called Direct Express to get a balance on my social security money. When my balance said, {$.00} I was upset as to what happened to my money, so I checked what my transactions were and when hearing that {$380.00} was taken from my account, I dialed for the fraud department to report that I didn't take that from my account. I was told by a rep. that the money was taken from an ATM at XXXX XXXX XXXX XXXX in XXXX XXXX, California on XX/XX/2022. I responded with, " That is impossible, I have my card here at home with me and have for days, as I lost the keys to my car and couldn't go anywhere and have been sick in bed for a week. '' I was told they would send me a fraud application in the mail and it would be here within XXXX to XXXX business days, and I was to fill out the paperwork and mail or fax it back to them. When I asked how someone could use my card anywhere when it was in my possession, I was told that cards are being " cloned '' and criminals are taking information off consumers cards and putting it on cloned cards. 
To say the least, I was amazed that this could happen. I was also told that they would be investigating after they recieved my fraud application. I asked if I could expedite the investagation process, as I only had {$.00} in my account. I was told what information that I was to provide in a letter from me and to fax that letter to them. I did write the letter and fax it to them, on XX/XX/2022. On XX/XX/2022 Dirct Express emailed me their decision on my case and denied me my money back and closed my case. I called them and spoke to, XXXX in the fraud dept. When I asked XXXX why they closed my case he said they would mail me the reason with documents as to why my case was denied and closed. I asked him to explain to me what was written in a letter I recieved from them via, email on XX/XX/2022. He said that was impossible, that they did not email me, that they do not email anyone in fraud cases. It wasn't impossible because I was reading to him what was written in a letter from Direct Express while we were talking on the phone!!! 
This whole investigation is a " Sham '' and I wouldn't be surprised if my money was taken by them and not a XXXX Bank ATM in XXXX XXXX. 
Since this case was closed I reviewed my transactions again and found that another {$460.00} was stolen from my account on XX/XX/2022 and I have filed a new fraud case on that money. 
Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

For almost a year now I've been in contact with the credit bureaus about inaccurate items that have been reported to my credit profile. It has left me with a tremendous amount of stress due to the fact that I can't get approved for what I need to get approved for. They are in violation according to Congress and I am ready to file for litigation if necessary. The accounts are unauthorized, and I didn't approve of the accounts. I need these accounts removed immediately. It's been over 45 days when I suppose to have heard from them in XXXX.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate information reporting on my credit report for a bankruptcy I also reached out to the courts and they stated we do not report to 3rd party credit reporting agencies. This company tacky behavior is violating my privacy rights, its been over 60 days later and I have not received a response back via mail. This company have been taking advantage and ignoring all my disputes. According to Section 611 ( a ), it is stated that a failure to investigate all items within 30 days gives a reason to immediately remove the all listed items from my credit report it has been over 60 days so this item should be deleted immediately. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Account opened as a result of fraud

Received letter from Comerica Bank. With welcoming me on my new account. Issued me 5 checks and 2 deposit slips. Never opened the account. Not sure why this bank offers people an option to open an account online and not require them to prove their identity.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Case XXXX This is a response to the case that was closed on XX/XX/XXXX. 

1. Call phones have experienced a widespread port-out scam therefore security codes etc have been rendered useless. XXXX XXXX XXXX XXXX XXXX XXXX My carrier, XXXX has sent out multiple alerts about this and I had even reiterated the risk of this to Discover.

2. A new card was requested in XX/XX/XXXX and sent to my home address. Yes, this was requested by me, because of the ongoing case since XX/XX/XXXX and a new card had to be sent out.
Complaint sub-issue: Was not notified of investigation status or results

DEAR EQUIFAX! 

I have received your invastigation and I disagreed with it. Some of these inaccurate accounts are only reported through you but not the other bureaus. like XXXX XXXX NOT IN XXXX. XXXX XXXX ALSO NOT REPORTING IN XXXX. YOU VIOLATED MY RIGHT BY LETTING THESE COLLECTION AGENCIES REPORTING INACCURATE INFORMATION INTO MY CONSUMER REPORT. AS I MENTION BEFORE THESE COLLECTION AGENCIES AND EQUIFAX ARE VIOLATING MY RIGHT AND CAUSING ME MY MENTAL AND SO MUCH STRESS DUE NOT ABLE TO QUALIFY FOR ANYTHING. I AM ABOUT TO BE LIVING IN THE CAR SOON BECAUSE I CANT OF YOU GUYS. I JUST GOT DENIED FOR A HOUSE WITH FIRST KEY BECAUSE OF THESE COLLECTION AGENCIES AND EQUIFAX. PLEASE I DEMAND THESE ACCOUNT TO BE REMOVED FROM MY CONSUMER REPORT.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed IRS Form XXXX in XX/XX/XXXX with the IRS to have a satisfied tax lien removed from by credit file. The IRS accepted and approved my request in late XX/XX/XXXX. They filed IRS Form XXXX XXXX with the Clerk of Superior Court of XXXX XXXX to withdraw the lien on XX/XX/XXXX. I have personally verified with the Clerk of Superior Court of XXXX XXXX that the lien is no longer recorded with the court. I filed a dispute with Equifax to have the lien removed from by credit file. I received a notification from Equifax on XX/XX/XXXX stating that the lien is reporting as released. That is incorrect. The lien has been withdrawn and is no longer being reported..
Complaint sub-issue: Account status incorrect

I have summited information numerous times showing and proving they are clearly violating my rights by continuing to report new dates of delinquency on a closed account and have ask that they comply with fcra requirements I demand that they immediately remove the account information for XXXX  and XXXX XXXX immediately from my credit reports
Complaint sub-issue: Account status incorrect

I have tried several times to dispute inaccurate information on my Equifax CR and every time they " dispute and verify info is correct '' a new inaccurate error gets put on. 
XXXX : I This data is wrong : Account Status NOT_MORE_THAN_TWO_PAYMENTS_PAST_DUE ( I have paid this loan off in full and the acct was closed XXXX Date of 1st delinquency : states XX/XX/XXXX, XXXX can this state DOFD when this was the date the acct was pd off in full? 
Date Reported XX/XX/XXXX, XXXX>should be XXXX  reporting on this it has been closed since XX/XX/XXXX. 
Date of Last Payment XX/XX/XXXX >paid off in full ( I have not had 1 late payment since XX/XX/XXXX but my equifax CR now shows a late payment in the past 30 days. 
XXXX : Date Reported XX/XX/XXXX- why is a closed paid acct r ( pd XX/XX/XXXX ) reporting to a CB? 
Date of First Delinquency XXXX XXXX, XXXX ( DOFD is XX/XX/XXXX ) XXXX  : Date of Last Payment XX/XX/XXXX ( paid charge off ) Date Reported XX/XX/XXXX, XXXX>why is this acct being reported when it has been closed, paid in full XX/XX/XXXX? This is making my CR from Equifax, a long with the inaccurate info above, to look like I have late payments in the past 30 days when that is not accurate. My last late payment is XX/XX/XXXX, over 22 months ago ) I have disputed these inaccuracies several times and each time the info coming back says it has been verified as accurate. These credit bureaus have a responsibility to report accurate and true information. The inaccurate info above that is now being reported from Equifax is wrong and reporting that I have made a late payment in the past 30 days and this is devastating to me as I have tried so hard through the pandemic to work on my credit and make better credit choices. So how is this right that they can report wrong and damning information?
Complaint sub-issue: Debt is not yours

Debt is not mines last names aren't even spelled the same. Must be father 's doing.
Complaint sub-issue: Was not notified of investigation status or results

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2021, XX/XX/2021 XX/XX/2021. It has now been 90 days since I sent my inquiry, but I have yet to receive a response. I'm looking to purchase a home and the inaccurate records on my profile are stopping me from achieving my dream home.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX and or Credco was never authorized to pull my credit. Please see the attached pdf that does not provide concrete evidence that I approved this credit pull. Once you review the attachment, have XXXX XXXX XXXX XXXX and or Credco provide proof that I authorized a credit pull. When XXXX XXXX XXXX XXXX and or Credco fails to provide concrete evidence that I authorized a credit pull, please remove their credit pull from all credit bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX is knowingly reporting false information on my credit profile. I do not have a delinquent balance with XXXX XXXX in the amount of {$1400.00}.
Complaint sub-issue: Account status

According to XXXX, a bill has been sent for collection, The bill was for an XXXX service that I never asked for, received, or paid. The case ( XXXX ) was filed with the Court Clerk, XXXX XXXX County, IL XXXX and dismissed for lack of evidence. A copy of the court transcript if attached. This bill never seems to die. It bounces from one collection agency to another even though the case is closed. My XXXX dropped almost XXXX points recently because this false bill was sold to another collection agency. I 'd like the error fixed once and for all.