Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with fees

Had a USBank Visa card, on XX/XX/XXXX they received a payment of XXXX payment, which left a balance of XXXX. 
The remainder was paid on XX/XX/XXXX which left a XXXX balance. 
On XX/XX/XXXX called and asked to have account closed, and was informed at that time it still had a XXXX balance. 
After getting the letter in the mail on XX/XX/XXXX that said the account had been closed and it was dated XX/XX/XXXX, I decided to look online to make sure all was right, and there was a XXXX balance, it said it was interest charged on Purchases that was charged to the account on the same day it was closed. 
My wife called to inquire about it, and was told that it was from a balance transfer from years ago ( which is a lie ), yet this is the 2nd time the card had been paid off, and any balance Transfer was done before last pay off. 
The statement says Interest on purchases, and XXXX interest on Balance transfers, and XXXX balance on cash advances. But XXXX interest on Purchases. 
And since they did n't credit the XXXX till XX/XX/XXXX they charged Interest on over XXXX worth of balance, at 24.99 %. 
This interest rate has been going up each year since getting card, and never had one single late payment. 
I talked to some woman named XXXX on XX/XX/XXXX who said she was from Legal department, and what they did was legal, and I needed to pay that amount that day, because the account was closed, or she would report it as 30 days late payment. 
I feel I have been victimized by them, and they want me to pay for closing the account at XXXX. The attached file XXXX shows what I am talking about. 
Can you Help?
Complaint sub-issue: Their investigation did not fix an error on your report

Dear XXXX XXXX : I am contacting you regarding a 30-day derogatory mark from XX/XX/2020 that appears on my three credit bureaus. 
I dispute these 30 day lates and demand a full removal of the 30-day late marks based on the enacted Section 4021 of the Coronavirus Aid, Relief, and Economic Security Act ( the CARES Act ) which bars ( and makes illegal ) such a derogatory mark, subject to its terms. The purpose of this letter is to ask that the derogatory mark immediately be reported as current to the three major credit reporting agencies, Equifax, XXXX, and XXXX XXXX so that this matter be resolved amicably and without any court intervention. I thank you for your anticipated cooperation. 
Prior to the missed payments I attempted to contact XXXX XXXX  regarding my charge card payments, albeit unsuccessfully due to hold times several hours long. My income has been temporarily negatively impacted by the COVID-19 outbreak, I have experienced severe financial hardship as a result of the economic standstill that our country is going through. 
Recently, and in response to the COVID-19 outbreak, the CARES Act was signed into law by the President of the United States on Friday XX/XX/2020. The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period. More specifically, Section 4021 ( F  ) titled Reporting Information During COVID-19 Pandemic ( the Act ) states : if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ... 
It is important to note that accommodation is defined broadly in the Act and encompasses any consumer who is affected by the coronavirus pandemic during the covered period. 
..if the credit obligation or account was delinquent before the accommodation ..if the consumer brings the credit obligation or account current during the period described in ( aa ), report the credit obligation or account as current. 
The term covered period means the period beginning on XX/XX/2020 and ending.. 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID-19 )  outbreak
Complaint sub-issue: Information belongs to someone else

I have sent XXXX, XXXX, and Equifax everything that they ask me to send them to show that I was a victim of identity theft
Complaint sub-issue: Information is not mine

With Equixax, I disputed an adverse report-charge off from XXXX for {$87.00}, as not being my account. Equixax states that they are not reporting this account in my file, but they are reporting it as of XX/XX/2017 in my Equixax credit report # XXXX. Also Equixax will not provide a contact number or any reasonable and viable way to contact them to resolve this dispute, necessitating this complaint. And, XXXX Consumer Credit Dept states that they have no record of this account. I want this report removed or written proof that it is mine, and what the purchase was, etc. Thank you for your assistance and attention.
Complaint sub-issue: Funds not handled or disbursed as instructed

XXXX Adult son should have been a trustee. On the account with Alley bank. They put him as co owner and he took everything out of my account and Ally bank takes no responsibility for my son closing the account. Nor take responsibility for notifying me. The say sense account was never fixed from Co owner to just a trustee that its ok for him to take all my money. Then close out my account.
Complaint sub-issue: Account status incorrect

I have informed Equifax of an incorrect reporting on my credit file. They have deleted and removed the fraudulent report on my credit report but just I pulled my credit and that account has been put back on my credit report again. I am under the understanding that once and incorrect report has been deleted or removed that it can no longer be put back on someone's credit report again. I am requesting that Equifax remove/ delete the incorrect and fraudulent information being reported on my credit file. This incorrect Collection account from the " The Bureaus '' does not belong to me and wish for it to be permanently removed for good and not again placed on my credit report again., as they have recently done.
Complaint sub-issue: Information belongs to someone else

XXXX, Equifax and XXXX sites do not allow you to dispute credit inquiries that show up on your account, despite the fact that the inquiries negatively impact your overall credit score and may be fraudulent. I believe there should be an easy dispute process for credit inquiries that are fraudulent. I called around for hours trying to click the correct decision tree to get help for my issue. The sites are hard to navigate and the phone numbers make it impossible to get a live agent for the issue I was worried about - how to dispute the inquiries. 

In my case, XXXX reports that on XX/XX/XXXX XXXX/XXXX and then on XX/XX/XXXX XXXX/XXXX/XXXX made credit inquiries on my account ( presumably to open credit lines ). I went to the sites to dispute the inquires and the sites told me to contact the financial institutions where the inquiries originated. I contacted the companies and they required that I disclose a lot of personal identifying information, in order for them to verify that someone had opened credit lines in my name ( using my maiden name ). It appears that two credit applications where fraudulently filed using my information. I do not know how much the cards were for or if anything was charged before I intervened
Complaint sub-issue: Account status incorrect

Reached out to credit report company for them to update account status as Paid and Closed. They confirmed it is still open, which is incorrect as auto loan account has been paid off and Closed. Equifax recommended to submit complaint to CFPB to get resolved.
Complaint sub-issue: Old information reappears or never goes away

This complaint is against equifax, XXXX XXXX, and XXXX also any other involved party whom has been misusing my personal information to create fraudulent accounts under my name. 
Ive been checking my credit reports since my identity was stolen back in 2013 my ID and wallet was stolen from my ex girlfriend car while I was in the hospital checking on a family member. I have advised both all three credit bureaus and the companies involved of my identity theft and me not authorizing any new accounts but they keep taking them off then re add the same account using another company and new date its very unprofessional and damaging my credit report causing me everything I have work on please fix this
Complaint sub-issue: Information is missing that should be on the report

Revolving Citibank credit account in good standing was terminated by XXXX in error in XX/XX/2020. At that time I filed a dispute against the existing balance, as I had paid it off completely and it had not been reported. Instead XXXX deleted it and I discovered the error about 2 weeks later when my credit dropped 24 points and pointed out the  mistake. However, XXXX refuses to correct the error or contact Citi. Citi says they are reporting the account as active but refuses to contact XXXX to clear it up.
Complaint sub-issue: Information belongs to someone else

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until Jun 2022 700 XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations XXXX addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : accounts not mine XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$590.00} written off. 
XXXX XXXX BANK Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Account charged off. {$1400.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1800.00} XXXX XXXX account. $
Complaint sub-issue: Information belongs to someone else

A few attempts have been made via letters at least 2 to  Equifax, 1 in XXXX and another in XXXX. I also called them and informed them about the accounts and inquiries. One from XXXX and another from XXXX/XXXX. I actually called XXXX/XXXX  with XXXX  fruad department and they help cleared it up on the furnishers end. So they are willfully reporting inaccurate data. They have not gotten back to me at all.
Complaint sub-issue: Their investigation did not fix an error on your report

I reviewed my credit report and noticed several discrepancies under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and US Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. If these are the same accounts, reported by the same creditor, how can there be so many things inconsistent? The open dates vary from each credit bureau, the terms are not consistent, the high balances being reported are also wrong.
Complaint sub-issue: Didn't receive notice of right to dispute

I received a collection notice on my credit report from IQ Data. I mailed a certified validation letter on XX/XX/2022, the letter was delivered to a XXXX XXXX XXXX XX/XX/2022 I then received signature confirmation of the letter being picked up on XX/XX/2022. As of today XX/XX/2022 they have yet to respond in a form or provide any type of verification that this debt is mine or my husbands.
Complaint sub-issue: Account information incorrect

Violation of Fair Credit Report Violation Act Omni military loans pursuing pro charge off interest on a account for over 6 years without sending periodic monthly statements on account to customer. The creditor should mail or deliver periodic statements as required by 612 C.F.R section 226.7.
Complaint sub-issue: Deposits and withdrawals

I attempted to add the account number and routing number for an external bank account to my Citi account in order to make an ACH transfer from my Citi bank account to my external account. When I did this, I received error code " XXXX '' and a phone number to call to attempt to resolve the error code. 

I called the number and spent approximately 1 hour speaking to various representatives about this issue. I was told that due to a " maintenance issue '' I could not add an external account, but the maintenance would be done in 24-48 hours.

After 48 hours, I attempted to add the external account to my Citi bank account. I received the same error. I called Citi again. Citi now stated that Citi has discontinued the ability to add external accounts using an account number and routing number. Citi stated that the only way to add external accounts was by using XXXX. Nevertheless, the ( non-functioning ) option to add external accounts using account numbers and routing numbers still exists on the website, and as an option in Citi 's terms and conditions. 

My external bank account does not support XXXX. Thus, I can not add this account using XXXX. Furthermore, the use of XXXX is prohibited by the terms of service of most banks, as it requires providing bank account logins to a third party service. 
I am therefore unable to access my funds in my Citi account! 

In order to access my funds, I also attempted to add my external account as a XXXX XXXX recipient ( as the external account is a brokerage, they are registered with Citi and appear in Citi 's system as an eligible payee ). When I attempt to do this, I also receive error code " XXXX ''. I was transferred to the fraud department to help resolve this issue. The ( nearly inaudible ) agent within the fraud department requested that I receive a verification phone call in order to verify my account. I could not do this as I was on the phone with Citibank. After some time, the agent stated that " my account was not eligible for servicing at this time, bye-bye '' and hung up. 

As it stands, the funds in my account are inaccessible. I need to add an external account, but every method to do so is broken. Despite this problem, I have been hung-up on repeatedly by customer service representatives. 

All I would like is to be able to transfer funds from my account electronically. The bank does offer wire transfers for a fee, but I refuse to pay the fee given that I should have access to electronic transfer methods with no fee.
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, are debt collectors attempting to collect a debt of {$15000.00} ( or any variations ) on behalf of XXXX XXXX XXXX I have not received any services from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am not a party to their agreement with XXXX XXXX XXXX, I have not agreed to pay/ tender anything to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have not provided any releases of my private information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I have no idea how XXXX XXXX XXXX XXXX XXXX XXXX XXXX obtained my private information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX are attempting to collect on an alleged debt that does not belong to me. This alleged debt was SOLD/TRANSFERRED to XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to provide the accounting in accordance with G.A.A.P. XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to furnish a copy of the formal purchase agreement, and state the purchase amount for the alleged debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to Furnish the name, address, and telephone number of the authorized representative that purchased this alleged debt. 
As per XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX claims no hard pull, but same day a hard pull shows up on report from XXXX.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Signed up on payment program due to Covid. I gave them my checking account info. They were able to process the first payment but could not process other payments. XXXX XXXX confirmed with a supervisor from Discover that the information given was correct. Also with the type of payment processed the account was valid and they way they processed the payments were correct. Discover is stating that the error was not on their end even after talking to my bank. They are refusing to take late payments off my credit report.
Complaint sub-issue: Old information reappears or never goes away

Pursuant to a previous dispute that my Student Loans are being reported twice. XXXX states that they purchased my student loans yet if XXXX purchased my student loans in XXXX why are my Student Loans showing listed via all 3 credit reports by the XXXX and show my student loans as active and pass due from XXXX. If my student loans were purchased by XXXX my student loans should not be listed by the XXXX making it look as if I owe twice more than what I should, such that XXXX should remove all occurences of past loans from my credit report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased an item from XXXX on XX/XX/21 using Discover card. When it arrived, it was found to be not as described, missing a key part. Contacted XXXX for refund or replacement on XX/XX/21. No response was received. Initiated dispute with Discover on XX/XX/21. Discover dismissed my dispute it for no reason even though the merchant ignored and did not remediate the problem.
Complaint sub-issue: Talked to a third party about my debt

We had not received notice from XXXX Hospital for this overdue bill, therefore, were unaware of this bill. It was then referred to collections without our awareness. We usually receive XXXX bills notices and I keep them for tax purposes. We recieved the first collection notice in XX/XX/XXXX in which I paid for on XX/XX/2016 at XXXX Hospital in person. The collections agency also kept calling afterwards our payment was made. We informed the agency that we had paid and they needed to contact XXXX Hospital as we had paid it their and the accounting clerk assured me they would inform the agency. I believe XXXX Hospital and the agency are not reporting properly and the Hospital did not correctly notify me of this bill. I refute this claim as tardy to do my unawareness. I always ensure I pay my medical bills within a reasonable amount of time and do not intentionally neglect my bills.
Complaint sub-issue: Information belongs to someone else

Dear Sir / Madam, I had initiated a dispute ( Confirmation Number XXXX ) regarding the fraudulent XXXX account ending in XXXX with your Company. It has been over 30 days and the account is being reported by Equifax alternatively as " CLOSED AT CONSUMER REQUEST '' & " CLOSED BY GRANTOR '', I understand.In fact I have nothing to do with this account ending in XXXX from XXXX as XXXX setup this account without my consent. XXXX has been sullying my good reputation by allowing the fraudulent establishment of this account in XX/XX/XXXX and reporting it. XXXX and XXXX have already blocked the XXXX account permanently.This account must be blocked by Equifax. I am filing this complaint to seek permanent blockage of this account and furthermore Equifax must not report any XXXX account with opening date of XX/XX/XXXX. This is one last time I am earnestly pleading with Equifax and I sincerely hope that Equifax will honor my request to permanently block XXXX account ending in XXXX with opening date of XX/XX/XXXX. If this request is not honored by Equifax, I will have no option but to explore pursuing legal remedies, due to the XXXX  and reputation damage I am suffering at the hands of Equifax. I have attached the FTC complaint, police report and my earlier letters to Equifax as required by FCRA 605 B. I am  hopeful that Equifax would block XXXX account permanently adhering to FCRA. Thank You.
Complaint sub-issue: Information belongs to someone else

My report shows a credit inquiry from XXXX XXXX XXXX on XX/XX/2019. No credit inquiry was authorized. This item is either a fraud attempt or an error. Please remove this item as was requested earlier.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX is appearing on my credit report as delinquent when there is a pending Appeal of this case and no decision has been rendered in this matter, therefore this debt collection agency is falsely reporting a voluntary repossession on my account, while this case is being Appealed currently with the Fourth District Court of Appeals. 

Please see attached documents
Complaint sub-issue: Not given enough info to verify debt

This be on my credit reports. It is not anything I know of. Never wrote me, just put it on my reports.
Complaint sub-issue: Reporting company used your report improperly

This letter is to all 3 credit bureaus I notice that there is a Bankruptcy on my credit report.

I'm requesting verification of the process that was used to verify the information with the credit bureaus. What methods they use to verify the information I'm requesting that the credit bureaus all 3 provide A. The name of the Court house B. The name of the person they verified the bankruptcy C. The Address and telephone number of the courts D. The docurmentation use to verify the bankruptcy
Complaint sub-issue: Debt is not yours

I received message from XXXX XXXX concerning Conoco credit card  threatening to take action against if I didn't pay card is under name which is my married from divorce in XXXX my name I no longer use and my social security #  was used.the phone was XXXX, old phone #. Can not get any response online or by phone just say I have to pay.I have alerts at all credit agencies and am fixing to call bank I in no way am responsible for this credit card. retired drive a 20 year old car  that barely runs help pleay
Complaint sub-issue: Account information incorrect

XXXX XXXX sent a letter stating they would correct the past due notice on my credit report, but they indicated the wrong month in the letter. When I contacted them to correct it and report the month of XXXX as not past due, they indicated I would have to submit a new report. XXXX was the last case number that I used for CFPB with all documentation. They are still reporting the month of XXXX as Past Due and it should not have been reported as such based on the policies I presented.
Complaint sub-issue: Was not notified of investigation status or results

I've been trying to dispute some inaccurate items that's on my report since XX/XX/2022. The items that are still reporting on my credit profile are in direct violation of the FCRA and my issue still haven't been resolved. This on-going situation is causing me an unbearable amount of stress and the credit bureaus are leaving me no choice but to file for litigation. This complaint is also about my most recent letters I sent into the bureaus about verifying the information on XX/XX/2022. I have yet to hear a response 45 days later. Please help me resolve this issue.