Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Collector today, the XXXX of XXXX, called and left a message at my job. I called at XXXX the same day and advised XXXX , @ XXXX x XXXX to never call me again or my job again. She threatened to keep calling until the debt is paid of {$460.00} then disconnected the call. I left her message with the same instructions when I called back.
Complaint sub-issue: Their investigation did not fix an error on your report

This just proves that XXXX Credit Bureau is lack proper record keeping. Now, this account is reporting to be late, yet it is closed and the balance is XXXX. Lets correct this immediately. The Bureau is required to verify for themselves but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately.
Complaint sub-issue: Problem during payment process

I have a loan with CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and CBNA with no successful resolution. XXXX only reporting me late. There was definitely an error on their part.
Complaint sub-issue: Account information incorrect

equifax has got this complaint since XXXX and still hasnt done anything they told me all these things were deleted from my credit report but there still on there 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  let me add i was nrver offered a card from XXXX XXXX  and all i have is 2 cards from XXXX so they need to correct my file
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including many inquiries that I was not able to list on this application. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$270.00} XXXX  XXXX {$270.00} XXXX XXXX {$1400.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$7200.00} XXXX/XXXX   XXXX {$640.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX  XXXX {$860.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00}
Complaint sub-issue: Investigation took more than 30 days

I have file disputes in XXXX and still havent receive anything. This should not take this long to get my results back 40 days is to long
Complaint sub-issue: Information belongs to someone else

Iver been a victim of identity theft
Complaint sub-issue: Information is missing that should be on the report

XXXX  Credit Reporting agency was granted injunctive relief to not report public records such as bankruptcy which has resulted in my credit report missing information and/or inaccurately reported information. Some accounts have been reported as charged off, included in bankruptcy filings, and/or other erroneous information. This injunctive relief is being requested XXXX XXXX XXXX to be lifted and will be submitted to the court of record ( s ) for the following reasons. 
Attached is the immediate credit report following the discharge of the Chapter XXXX Bankruptcy with all of my accounts being listed. Some information remains incorrect such as a co-borrower who was also discharged on the XXXX XXXX XXXX account. Some accounts that were revolving accounts and directly drafted from my bank account such a XXXX debt amount reported may be inaccurate or contain fees, etc as this was a line of credit. XXXX XXXX who previously stated that this debt was included in the Chapter XXXX Bankruptcy was not an actual debt included and the surrendered vehicle in the second XXXX account should have been offset by any sale as well as the trade-in ( s ) after lease agreements expired, etc. 
Given the fact that this is the closest to accurate credit report and the only report that is supported by a Chapter Bankruptcy order, with no order in XXXX, the default order in XXXX will be requested by consumer XXXX XXXX XXXX to govern her credit history and the request will include indefinite reporting of all credit history to alleviate misinformation to the public and potential creditors. Equifax has not released a free credit report as it pertains to XXXX XXXX XXXX in two years.
Complaint sub-issue: Billing problem

In mid XXXX my car was repossessed by XXXX XXXX. I admit that there were errors on my part and wanted to get my car returned. While speaking with XXXX in the recovery department she stated that 1. XXXX XXXX had received no payments from me in months 2. She would have the repossession and late fees removed 3. That {$1300.00} would bring me completely current to my XXXX payment and allow me to retrieve my vehicle. On the following Monday I sent the required amount by XXXX XXXX to XXXX XXXX and notified them of the transaction. After several emails to swear I would stop payment and multiple calls I received an email stating they made an {$8.00} mistake that must be paid prior to retrieving my car. My fianc and I spoke to a manager XXXX who released my car and confirmed to us both that nothing further was due on my vehicle besides the {$8.00} and the up coming XXXX payment. Since then I have had nothing but nightmares from XXXX XXXX. They have failed to credit my account with payments made, called 20 or more times a day while Im at work, and made repeated threats that they havent received car payments for months. I have started 3 Manager reviews requesting they 1. Review the phone recordings and emails 2. Post payments correctly and 3. Correct my account to show the appropriate amount due and current correct payoff amount. I have had this {$16000.00} loan for 3 years and still owe XXXX and the amount due since XXXX is over {$2000.00} on a monthly payment of {$370.00}. I have not heard a reply by letter, email or call from any request for review. I did receive a voicemail requesting that I return a call to XXXX. When I attempted to call XXXX at the number left a XXXX answered stating they hadnt received a payment for XXXX, XXXX or XXXX. The attached files will show they received payment plus extra. I however have not received correctly posted payments or account corrections based on the original information I received. The last manager I spoke with promised to reply within 24 hours. I have still not heard back from manager XXXX XXXX in over a week. XXXX XXXX did come to my house and leave a threatening letter however but can not reach me to solve their issues.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX I wrote Equifax a Method Of Verification request letter, sent certified mail ( copy of letter attached ), regarding ; Account # : XXXX Open Date : XX/XX/XXXX Equifax claimed was verified by Original Furnisher : US BKPT CT OH XXXX. My Method Of Verification request was received by Equifax on XX/XX/XXXX XXXX ( proof of service attached ). Equifax had 30 days to respond to the request per FCRA. As of today XX/XX/XXXX. I have yet to receive a response to my request. I have attached copies of all correspondence.
Complaint sub-issue: Problem with rewards from credit card

On XX/XX/2021 I used my Thank You Reward points to partially pay for four nights at the XXXX XXXX XXXX XXXX in XXXX XXXX, New Mexico. The remaining balance due ( {$180.00} ) was charged to my Citibank Credit account on XX/XX/2021. We checked out early ( one night ) and the General Manager at the Hotel ( XXXX XXXX - XXXX ) agreed to refund us for one night ( {$100.00} ). Mr. XXXX stated that he could not credit my CitiBank Credit Card since I used rewards for the booking. Instead, he applied the {$100.00} credit to the CitiBank Reward Master Credit Card XXXX on XX/XX/2021. I contacted CitiBank on XX/XX/2021 and asked them how/when my credit card would be credited for the refund. They stated that they needed to contact the hotel directly to receive confirmation of the credit. They called me back on XX/XX/2021 and stated that they received confirmation of the credit by the XXXX  XXXX XXXX and that I would see the credit on my credit card in up to 3-billing cycles. I called Citibank on XX/XX/2021 to confirm that they were still planning on crediting my credit card since I didn't see any credit on my XXXX statement. The rep at Citibank stated that the credit would be applied on my XXXX billing statement. I received my XXXX billing statement today ( XX/XX/2021 ) and there is still no credit. I called Citibank again today and was placed on hold for XXXX minutes then I was disconnected. I called back, was placed on hold for XXXX hour and XXXX minutes and was disconnected. I finally got hold of somebody at Citibank and they stated that they needed to contact the hotel and receive confirmation that they applied the credit. I told Citibank that this was already done on XX/XX/2021 which they replied " they need to contact the hotel to receive confirmation that they applied the credit. '' Another representative at Citibank stated that it would be quicker to file a Billing Dispute for this matter. She then stated that it couldn't be done since more than 60 days elapsed from the time of the incident. I explained to her that I contacted Citibank the same day of the dispute ( XX/XX/2021 ) and that the 60 days ( system limitation ) should not apply. Her response was that there was nothing she could do and that I need to write a letter to the Billing Dispute Department. After 2 1/2 months of dealing with this issue, I have no confidence that CitiBank will ever provide me with a credit unless they are compelled by somebody of authority at the bank to provide me with my deserved credit. The lack of accountability, the lies and the fact that they would let me sit on hold for extended periods of time tells me that they have no desire to do the right thing and credit my account.
Complaint sub-issue: Account status incorrect

XX/XX/XXXX, my student loan was paid in full due to my federal income taxes being offset. XX/XX/XXXX/XX/XX/XXXX i received a check for XXXX dollars and change for " student loan repayment ''. XX/XX/XXXX i received another check for about XXXX dollars for " student loan repayment ''. XX/XX/XXXX/XX/XX/XXXX i received another check for about XXXX dollar for " student loan repayment ''. Department of education says my student loan is currently under BORROWER 'S DEFENSE but currently reporting to all credit bureaus as DEROGATORY/SERIOUSLY PAST DUE. On XX/XX/XXXX i called department of education default resolution group and they told me they can not change how its being reported and i can make a payment of XXXX to get out of default even though its under borrower 's defense and these loans will soon be discharged under the XXXX XXXX lawsuit. ( Also if i make that payment of XXXX it would be sent back or maybe even rejected )
Complaint sub-issue: Information belongs to someone else

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX {$640.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$930.00} XXXX FIN XXXX {$15000.00} XXXX XXXX {$970.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX {$780.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letters re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and XXXX have gotten into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

I pulled my credit report to make a vehicle purchase and noticed several accounts that were opened under my name without my knowledge. This is fraudulent accounts that I did not open.
Complaint sub-issue: Personal information

Incorrect names and address as well as employers name totally mispelled.
Complaint sub-issue: Problem with fees

What a nightmare to get someone who I can hear. It has only gotten worst instead of better.  Citi card does not care. 3 hours of no help again t oday. I am so exhausted by the timr help arrives.     The voice system is not clear either.  Overseas  is a nightmare too.     I was told my annual fee would be waived or a promotion.
Complaint sub-issue: Received bad information about your loan

I have been on an Income Driven Repayment ( IDR ) plan for the entirety of my time in repayment with XXXX. This year, I submitted my IDR recertification request on XX/XX/XXXX. The prior years IDR recertification, I submitted my request on XX/XX/XXXX, which was approved and implemented without issue. On XX/XX/XXXX, I received a denial letter from XXXX stating, it is not yet time to recalculate your payment. We will notify you when it is time to submit your annual recertification documentation. '' I relied upon this representation from XXXX. I got no other letters from XXXX about submitting my recertification documentation. The next letter I received arrived in my online inbox on XX/XX/XXXX, and indicated that XXXX had not received my complete annual documentation, resulting in my increased payment and capitalized interest. My application was submitted prior to the deadline and I received no information regarding a penalty for applying too early. Additionally, I received incorrect and misleading information from XXXX regarding the time to re-submit my application. I relied on this information and, as a result, was incorrectly removed from my IDR plan, had my payments increased, and had my interest capitalized. Finally, XXXX had a valid and complete application on file at all times relevant to this issue that could have, and should have, been processed. XXXX 's customer service has been unhelpful and has given me contradictory information every time I call. I have submitted a full appeal letter trying to resolve this problem, and have still not heard back from them. Meanwhile, my account is past due and they keep pushing me to go into forbearance rather than just fixing their error so that I can make my normal IDR payments.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inquiries on my report that were not authorized by me XXXX XXXX, 2015 XXXX XXXX,2015 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate information information being reported XXXX XXXX # # XXXX incorrect past due balance XXXX XXXX # XXXX incorrect past due balance XXXX XXXX collection incorrect reporting account open date Contacted XXXX, XXXX, equifax to report unauthorized inquiries and they failed to remove the inaccuracies on my report
Complaint sub-issue: Old information reappears or never goes away

XXXX credit bureau refuses to acknowledge the FAIR REPORTING CREDIT ACT which is a law they refuse to investigate correctly, they are allowing XXXX XXXX to report information on my credit report that is well over 10years old, FAIR REPORTING ACT says you can not attach report information on a consumer credit report that is over 7 years old, despite the fact that I have sent them documentation that proves this, they are allowing this collection company to FRAUDULENTLY report this as if it is a new debt when actually it is way past the statue of LIMITATIONS, this is causing a negative effect on my credit score and ability to obtain credit
Complaint sub-issue: Received unwanted marketing or advertising

I have a past due charge off with XXXX XXXX that is listed on my credit report as 'closed with balance '. My attorney and I agreed on a repayment plan on XX/XX/XXXX that I would pay back loan as long as it would not negatively impact my credit. This account was placed on my report and in fact did negatively impact my credit. Also, XXXX XXXX is continuing to negatively impact my credit score and report by creating inquiries on my report. This last inquiry was made on XX/XX/XXXX even though the account has been charged off.
Complaint sub-issue: Their investigation did not fix an error on your report

ACIMA DIGITAL FKA SIMP stated that they was not going remove account number XXXX but, how is that possible if the open date is inaccurate, the date for last payment is also inaccurate. I would like to see the original contract with the date that you provide if not, this ground for removal, they also violated my rights under 15 U.S.C 1681 section 604A Section 2. The law clearly states a consumer reporting agency can not furnish a account without my written instruction Account # : XXXX Account Type : Installment Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/ ( Please provide adequate proof that I opened this with the that you provided account with original documents with my signature ) Balance : {$3300.00} No. of Months ( terms ) : XXXX High Credit : {$3100.00} Credit Limit : {$0.00} Past Due : {$2200.00} Payment Status : Collection/Charge off Last Reported : XX/XX/XXXX  Comments : Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Unpaid balance reported as a loss by the credit grantor. 
**CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Date Last Active : XX/XX/ Date of Last Payment : XX/XX/ ( Need proof that this payment was made by me. )
Complaint sub-issue: Reporting company used your report improperly

Equifax/Equifax credit bureau is send pre-typed letter that is not irrelevant to my issue. They also sent two letters to an unknown person further proving the responses are automated. I keep receiving the same response for every complaint I submit.
Complaint sub-issue: Can't temporarily delay making payments

ECMC is currently collecting for a loan they have yet to validate. Nonetheless, due to unlawful wage garnishments that I never received notice for a few years ago as well as offset tax refunds that were never applied to the loan amount, I reached out to figure out how to resolve this issue. This has caused me much hardship and has burdened me for years and now they are adding unfair collection charges to the debt without explanation. In just one month the loan amount went up over {$1000.00}. I have educated them that I am unemployed and have been now for over a year. They refuse to offer a hardship deferment and ignore my emails. They have been threatening to garnish more wages and offset my taxes, but again I do not work. This is causing me so much stress and they are unwilling to do anything other than tack on more fees and try to collect money I dont have for a loan I dont have validation for from my school or anywhere.
Complaint sub-issue: Account status incorrect

Last week i called USCB corporation to fix a new account put in collections in my name. I have never heard of such account. The charged was for registration fee with a local community college, years ago i have already called the local community college and they had removed the fee. However, it appears that they sold the debt or hired USCB corporation to collect the debt. Without billing me or letting me know ahead of time, this company send the amount to collections. This is inaccurate information because i had already fix this issue with the local community college years ago.
Complaint sub-issue: Other problem getting your report or credit score

I applied a lease buyout auto loan from XXXX. When XXXX try to pull my credit. They unable to pull my credit score. Im been back and forward calling XXXX and equitably. Nothing can be done. Please help me out.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed the XXXX account # XXXX and XXXX account # XXXX with Equifax XXXX XXXX on XX/XX/2021. Both XXXX and Equifax responded that these accounts were verified as accurate by XXXX. I then mailed letters to XXXX on XXXX XXXXdisputing these accounts and ALL Letters were returned to me via USPS because the address this creditor provided on my credit report is vacant with no forwarding address. I have attached copies of the envelopes. According to the FCRA, I must be able to contact any creditor who reports informatoni on my credit report. Since I am not able to contact XXXX using the contact information that's on my credit report ; these accounts should be removed for FCRA violation. I have attached copies of the dispute letters sent as well as the envelopes that show that the address on my credit report for this company is invalid/vacant with no mail forwarding options.
Complaint sub-issue: Investigation took more than 30 days

I have disputed these items with the 3 credit bureaus and have not received a response from them
Complaint sub-issue: Threatened or suggested your credit would be damaged

Company never sent me notice INCORRECT ADDRESS on debt as well they state it was a charge off I did not know this was even owed as well how can they try to collect call or threaten me when they reported it as a charge off I have sent registered letter to stop
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I filed a complaint against Equifax on XX/XX/XXXX I received a response from the company on XX/XX/XXXX which is in total violation of my rights. Equifax stated they verified the following inquires : XXXX XXXX date XX/XX/XXXX, XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 1. Equifax did not provide me proof in writing how the inquires were verified. 2. I did not give Equifax written consent to furnish any thing on my consumer report. 
Equifax has violated my rights according to the 15 USC 1681 section 602A which states I have the right to privacy. 
15 USC 1681 Section 604 ( 2 ) a consumer reporting agency can not furnish any accounts on my consumer report without my written consent.