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

I have disputed the late payments on this XXXX XXXX XXXX   XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX   on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Complaint sub-issue: Problem with customer service

I have been waiting results from Fed Loan Servicing for PSLF qualification of a prior employment for a number of months. Said employer most definitely qualifies for eligibility and former colleagues from this employer have recently been qualified. All required paperwork ( forms sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, etc ) has been filed on my behalf. Phone calls and emails have been placed ( XX/XX/XXXX ) by this employer as well as by myself however to no avail. Attempts to speak with someone directly have been futile and simply result in automated messages with recorded advice to visit the website which only perpetuates the vicious cycle.
Complaint sub-issue: Personal information incorrect

After reviewing a copy of my credit report i noticed fraudulent inquiries on my credit file and also an address i have never lived at or been associated with is listed on there. Please remove this fraudulent information from my file.
Complaint sub-issue: Debt is not yours

I received this debt in XXXX alleging I owe the company {$1000.00}. I asked for proof on XX/XX/20 of what I owed to them and they only sent me proof indicated I owed {$190.00} on XX/XX/20. Since then I have mailed them for the additional amounts to be verified and they have not responded to me and they are still reporting that I owe them {$1000.00} to the credit companies. They are violating the Fair Debt Collections act by not removing these charges from my credit before verifying the amount I owe to them. On XX/XX/2020 I attempted to contact them and they advised that my account was restricted and that I needed to email someone else at the company in order for them to give me any info or try to settle anything with me. I asked if they were refusing to settle the debt since I was ready to make a payment on what I owed and they only told me that I had to email someone in order to get any info or to move forward. They did not answer any other question I had and they only danced around the info I requested. The 1st time I tried to email this company the email would not go through and my email service kicked my email back advising that they could not connect my message to their email server.
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that that this item was verified by the creditor however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.
Complaint sub-issue: Account status

Collections agency medical bill {$68.00} was PAID in XX/XX/2012. Equifax still reports as unpaid
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

The student loan account balance is incorrect. It shows balance total on my credit report is {$11000.00}. It should be {$6200.00}. I can not get XXXX XXXX credit reporting to correct it
Complaint sub-issue: Problem making or receiving payments

I walked in my bank Citibank to transfer money from my account. They ( specifically the branch manager XXXX XXXX and bank teller XXXX XXXX from branch XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX gave me a hard time to complete my transaction. I believe they treated me poorly and suspiciously because of my race. The amount was substantial and they I believe they thought the transaction was fraudulent because of my race. They had no other reason to treat me the way they did. It took over 2 hours for them to finally agree to process my transaction.
Complaint sub-issue: Information belongs to someone else

Please produce Original contract for said debt {$760.00}. XXXX XXXX XXXX XXXX XXXX XXXX is a fraudulent company on my credit report please remove immediately acct opened XXXX I have googled to call and settle debt its complete fraud. Please remove immediately
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results
Complaint sub-issue: Their investigation did not fix an error on your report

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. UPDATE AND SUPPRESS NEGATIVE INFORMATION 3. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. please update and suppress negative information, and inquiries that are not attached to any accounts XXXX. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for inaccuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX My addresses XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

Case number XXXX XXXX XXXX XXXX XXXX a debt collection agency is attempting to collect on a debt that has exceeded its statute of limitation. This debt is with Discover bank. This debt was Charged off XX/XX/XXXX THE STATUTE OF LIMITATION HAS RAN ON THIS DEBT XX/XX/XXXX. Under the Fair Debt Collection Practices Act. The FDCPA prohibits collectors from taking action to collect a debt that they can not legally take. In Florida, filing a lawsuit beyond the statute of limitations is a fundamental illegality. If they take this step, I will have rights to pursue under the FDCPA. The limitations period begins from the date the last element of the cause of action occurred, ( 95.051 ). In this case Originally XX/XX/XXXX.  According to XXXX XXXX the original debt lender and XX/XX/XXXX according to Discover bank, XXXX client. Almost all other actions fall under the 4-year catch-all limitations period, ( F.S. 95.11 ( 3 ) ( p ) ). CMS is in violation of continued harassment or collection of a debt they can not legally collect upon. They purchased this old debts from Discover for pennies on the dollar, then are using aggressive collection tactics to attempt to collect the debts. While not an illegal practice in and of itself because the debt is owed it is illegal if they harass, threaten or try to trick you into renewing the statute of limitations. which they are doing by stating in their correspondence to consumer financial protection Bureau that my last that they have valid records and proof that the last time I made payment on this account was lXX/XX/XXXX. THAT IS A COMPLETE AND ABSOLUTE FALSE ASSERTION.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2020, I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS IS DECEPTIVE PRACTICES BY XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

Ive been a victim of identity fruad, theres closed account on my credit report that does not belong to be and keeps being " verified '' and there is no way they can belong to me. Al so there is over XXXX inquiries on my credit report that are unauthorized and fraud! below is a list od the fruad accounts and inquires... 
XXXX XXXX XXXX  XX/XX/XXXX is a closed account {$620.00} XXXX XXXX XX/XX/XXXX is a closed account {$390.00} Here 's a list of the fruad inquires... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE 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 XXXXXX/XX/2021 XX/XX/XXXXXX/XX/2021 XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX  XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX  XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto  ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX IXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XXXX I have received a Sears Master Card issued by Citigroup. I have always paid all bills in time. In XXXX I have received a note, stating that Citigroup is changing things, including issuing new Credit Cards. I did not get a new Credit Card. 
But with statement closing date XXXX I have received a Statement for an account number I did not have. I have never had a credit card with the number in this statement. I have never activated a credit card with this number, because I have never received a card with this number. So it is not possible for me to use a credit card I do not have. I HAVE CONTACTED CITIGROUP IMMEDIATELY TO SOLVE THIS PROBLEM. The lady I talked to at the phone was rude, did not let me explain the case and hung up on me. 
So I wrote a letter to the billing department. The letter has been ignored. I wrote more letters to Citigroup, including to the CEO of Citigroup and the Vice President of Citigroup. The one to the vice President with Return Receipt. WITHOUT SUCCESS. Citigroup keeps sending Statements for the credit card account I have never had. They are adding up late fees to the statements. They have closed this account that never existed in my name. 
They handed this case over to a collection agency and have reported this to the credit bureaus what gave me a negative entry in my credit report and brought my credit score down.

I AM TREATED BY CITIGROUP LIKE A CRIMINAL, JUST BECAUSE CITIGROUP IS NOT WILLING TO SET THE RECORDS STRAIGHT AND CORRECT THE MISTAKE THEY MADE. 
I explained that to the collection agency and pointed out that citigroup has to file a law suite to receive a Judgement from the Court to have a legal claim. A law suite would clear the mistake made by citigroup.

I am not willing to pay any money for a mistake made by citigroup.

I expect citigroup to clear my records, and I expect that citigroup clears my Name at the credit bureaus, meaning that my Credit Report will be cleared of this entry and that my Credit Score will be cleared and returned to the state it was in before this negative entry from citigroup came.

Citigroup should also pay me Reparation for all the  trouble they put me through.
Complaint sub-issue: Information belongs to someone else

The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX CARD. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations Equifax to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach. Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.
Complaint sub-issue: Their investigation did not fix an error on your report

My payment was due and I went online to the  Sallie Mae w ebsite to make the payment. The transaction was done on  XX/XX/17    in the amount of {$490.00}. The payment was to be deducted from my checking account on  XX/XX/17   . After making the payment I re ceived an email confirmation from Sallie Mae. A couple of weeks later, I started to receive calls from Sallie Mae. I called back and was told that my account was 62 days past due. I informed the representative that I had ma de a payment a few weeks earlier. I was told that the payment did n't process because of an error. She could not tell me what was the error or why the payment did n't go through. While on the phone with the rep, I pulled up my online banking and realized that an attempt was never made to debit the payment from my account. The rep could not explain what happened, I then inquired about credit reporting since she informed me when the call was authenticated that my account was 62 days past due. I was told that they would report to the credit bureaus a 60 day late payment for the month of  XXXX  to my credit report. I asked why would that occur since I made the payment online and there was an error on their end which caused the  payment not to process. I was told that since the payment was made online, it must have been my fault. Sallie Mae can not provide any documentation to prove that I made an error. I can not view my checking account number on their website to determine if I in fact made an error when my account nu mber was added to my online profile. They have now reported to all   XXXX    credit bureaus that I was 60 days late for the month of  XXXX . This is totally unfair to me as a consumer because I made my payment on time and I have no control of their systems and how they process payments. They can not show that I made an error. Also, How could I be 60 days late for  XXXX  when I made the second payment in  XXXX . There are only 30 days between  XXXX  and  XXXX .
Complaint sub-issue: Debt was result of identity theft

Ive submitted multiple disputes to trueaccord ( account # XXXX ) to have my account deleted as a result of identity theft but I am still receiving emails as of XX/XX/2022 in attempt to collect a debt not owed. I have email confirmation from the original creditor, XXXX XXXX., that these charges were a result of identity theft. I also made a police report and have been in contact with an investigator. I would appreciate if my trueaccord account were to be closed immediately and the collection attempts were to be stopped.
Complaint sub-issue: Account status incorrect

I filed a complaint on XX/XX/XXXX ( XXXX ) regarding Equifax reporting discrepancies on my credit report particularly my score. My first complaint never got resolved so I am filing a second complaint. 
On the actual credit report on page 150 it shows that there is not a bankruptcy however, under ( myequifax.com ) Equifax credit score - ( Hurting Your Score Section ) which was updated on XX/XX/XXXX shows that there is a bankruptcy and delinquency affecting my credit score ( please see Equifax Data 1 and 2 ).
Complaint sub-issue: Problem with product or service terms changing

Equifax experineced a data breach. Using small print they are tricking people, victims of the breach, into arbitration.This is unacceptable. 

" Equifax is allowing people to sign up on its website for free identity theft protection and credit file monitoring following the disclosure Thursday of the data breach, which Equifax said was detected XXXX XXXX and affected 143 million consumers. 

But the credit monitoring service, through an Equifax company called Trusted ID, has a provision that limits liability to the company, and consumers who sign up for what is billed as a free service will be charged for it after a one-year trial period if they do n't call the company to cancel their subscription. 

The provisions, buried in the fine print of Trusted ID 's terms of service, added to confusion on Friday about how much help consumers are being offered. In a broader set of terms on Equifax 's website, visitors are told they must accept certain terms, including arbitration, before being permitted to register for and purchase any product from its site. 

" You also agree to be bound by this agreement by using or paying for our products or taking other actions that indicate acceptance of this agreement, '' it says. 

TrustedID 's terms also include this mandatory arbitration provision '' Source XXXX
Complaint sub-issue: Information belongs to someone else

Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Equifax failed to send me evidence of the accounts in question XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ( duplicate reporting ), XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX ) XXXX,
Complaint sub-issue: Account status incorrect

I was discharged from chapter XXXX bankruptcy in XX/XX/2018, there are multiple accounts showing incorrectly on my Equifax credit File XXXX XXXX XXXX autoloan-showing open with late payments, should be showing included in bankruptcy XXXX XXXX XXXX autoloan-showing open with late payments, should be showing included in bankruptcy XXXX XXXX Credit Card, showing charged off with an open balance of {$4200.00}, should be showing included in bankruptcy XXXX XXXX XXXX-collection account showing open, should be reported as closed or removed as I am not longer responsible for this account as it was included in bankruptcy XXXX XXXX XXXX-collection account showing open, should be reported as closed or removed as I am no longer responsible for this account as it was included in bankruptcy XXXX XXXX XXXX-collection account showing open, should be reported as closed or removed as I am not longer responsible for this account was it was included in bankruptcy I have disputed these accounts multiple times which has resulted in no change. These accounts should be updated to show closed included in bankruptcy.
Complaint sub-issue: Account information incorrect

XX/XX/XXXX I sent an letter asking Equifax, to delete the fraudulent credit card information regarding XXXX XXXX XXXX  Card Services showing {$5600.00} Equifax never did an investigation into the fraudulent information. 
Equifax never deleted the fraudulent information. 
Equifax kept reporting the fraudulent information on my credit report XX/XX/XXXX Equifax is stating the account is charged off and closed. 
The fraudulent information is still showing on my credit report. 

XX/XX/XXXX Received a settlement from the settlement XXXX involving the class action settlement in XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX California Court Case No. XXXX XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

XXXX   XXXX   XXXX  {$3900.00} This auto loan was taking out in  XXXX , I paid on this car until  XXXX , this vehicle was then sold by the auto loan company to a auction, they told me I was no longer liable for the vehicle due to no longer having a contract and the vehicle was sold and this company received money for it. I also received a letter from a collection company saying I owe {$1900.00} and still trying to collect debt. This account is now closed and a charge off on my credit, however, they are reporting to all  XXXX  credit bureau 's each month updating on my credit as if im paying the account late on Equifax currently they just reported I was late 90 da ys, 34 tim es and all other credit bureau 's says different amounts. I have disputed this with all  XXXX  credit bureau 's o n two occasi ons, telling them I am no longer liable for this account and I have no contract with this company, I asked ach credit bureau to send me the documents validating debt, along with information showing this vehicle was sold and they received the remaining balance for, they have fail to send me any documents and will not remove this from my credit report.