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

Account is paid off and still shows balance on the account. 2nd account was never late shows late, I have auto payments for the account.
Complaint sub-issue: Information belongs to someone else

I am writing to you regarding the bad situation happened with my credit report I just can not move on in my life having fake accounts and inquires in my profile. Could you please investigate this situation because my personal information was used and abused and these items are not mine. I want them to be removed.
Complaint sub-issue: Account information incorrect

I sent a fraud alert removal, however this alert is still listed on my credit file. Please remove this fraud alert from my credit file as soon as possible.
Complaint sub-issue: Information belongs to someone else

I recently disputed the following accounts but all three credit reporting agencies closed the investigation and said the following info was accurate when in fact it was identity theft. I attached the companies response below.
Complaint sub-issue: Card was charged for something you did not purchase with the card

There is a charge for {$450.00} on my Fidelity Reward Visa ending XXXX that was not made by me. The online system does not seem to work at all since I can't review the transactions or even get my statements from the online portal. Please dispute the {$450.00} fraudulent charge from my account and credit me for the {$450.00}. Thank you.
Complaint sub-issue: Old information reappears or never goes away

I Have been diligently contacting Equifax in order to remove a Old Consumer statement from my report Since XX/XX/XXXX for a month now. The Consumer Statement was not made by me and is a result of Identity Theft in the past. All 3 of my Credit Bureaus had Fraud Alerts and Equifax Must Remove this Consumer statement. I have spoken to 3 different managers and 5 customer service representatives In Equifax customer service department and they all say they have removed the Consumer statement and will show as removed on the credit file in 72 Hours and they give a confirmation # but the Consumer statement still remains on my Equifax Credit Report eventhough I have no collections with Equifax and the Consumer statement was not done by me. I need The CFPB to request directly to Equifax that the Consumer Statement be removed Immediately!
Complaint sub-issue: Received bad information about your loan

-For XX/XX/XXXX through XXXX XXXX ( and again in XX/XX/XXXX ), I worked for qualifying employers ( both employers have been certified via ECF with DOE/Fed Loan ) . For the above-noted time periods, I verbally ( over the phone ) requested a hardship forbearance ( from PHEAA and then Fed Loan Servicing ) on my federal student loans ( both subsidized and unsubsidized ). I did this because I believed that I could not afford to make the payments under a qualifying IBR plan. At no time did the customer service rep ever explain to me other options to lower my payments so that I could make PSLF qualifying payments, even though I indicated that I was a government employee interested in PSLF. The only paperwork I ever received from them was confirming my hardship forbearance request. I never received any information/documentation about the implications of this request, nor was I ever required to provide proof that I was eligible to receive a financial hardship forbearance. After the DOE announced the limited waiver in XX/XX/XXXX, I called Fed Loan Servicing several times and inquired with a customer service rep. about retroactively correcting this and was told that I could not do this. I forget the exact dates, but I called once in XX/XX/XXXX and once in XX/XX/XXXX. This forbearance steering by the student loan servicer has now caused me to not qualify for forgiveness even though I have worked for qualifying employers for over 10 years. The DOE temporary waiver rules ( and PSLF/TPSLF ) programs still do not account for this ( and it does not look like their negotiated rulemaking will help either ). I am respectfully requesting that CFPB review my and many others ' personal situations to show that this past forbearance steering has substantially negatively impacted many PSLF applicants.
Complaint sub-issue: Investigation took more than 30 days

I sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days investigate and send me the results.

And They also didn't even record the current status of the disputed information which is another violation. 

I have all the evidence attach below.f
Complaint sub-issue: Their investigation did not fix an error on your report

I recently checked my Credit Score and noticed it was a lot lower than I thought, upon reviewing my Credit Report, I noticed there were items reporting to my Credit that I did not open myself and that there was incorrect information reporting as mine. I sent in proof of my identity, I have made calls, I even filed a report for identity theft. The items still haven't been removed.
Complaint sub-issue: Problem with fees

Fraudulent late fee that resulted from Citi Cards ( Citibank , N.A . ), deactivating the auto pay. Late Fee, XX/XX/XXXX, {$15.00}. 

I called Customer Service yesterday, XX/XX/XXXX, ( XXXX ), spoke to " XXXX '' who stated the Citibank " Automated System deactivated the auto pay on XX/XX/XXXX. " ( conversation recorded ). 

Same exact fraudulent activity Citibank committed with my wife 's card, Complaint XXXX. It is apparent Citibank is establishing a pattern of corporate fraud and theft.
Complaint sub-issue: Account information incorrect

To whom it may concern : My credit score has been dropping over the few months ; when researching the cause, it seems that there is an " outstanding balance '' on on my Macys AMEX credit cards. However, I had already paid this credit card off in full and therefore, did not believe that I had any balance left to pay. When my credit score dropped by another XXXX points this past round and the outstanding balance was cited again, I saw that there was an outstanding charge of {$1.00}. When reviewing my statements, it looks like even after I 've paid my last amount in full, there was a retroactive interest charge / fee that was applied without my knowledge, resulting in the {$1.00} balance that was applied in XX/XX/XXXX and carried over into XX/XX/XXXX. When I called Macy 's Credit Card services, they removed the {$1.00} balance as a " courtesy '' ; however, they cited this charge as an interest charge. Despite the generous removal of this {$1.00} balance, my credit score has taken quite a hit. Therefore, I was wondering if there is any way that I can rectify this situation and / or if there are other factors that are contributing to my low score. Please let me know if there is anything that I can do / if you need additional information from me. Warmest regards, XXXX
Complaint sub-issue: Debt is not yours

This is not my debt, I have disputed this with no outcome. Please help
Complaint sub-issue: Debt was result of identity theft

I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please. I BELIEVE THERE ARE MULTIPLE ACCOUNTS PLACED WITH THIS COMPANY AND THEY ARE COOPORATING
Complaint sub-issue: Their investigation did not fix an error on your report

I sent the following dispute to Equifax on XX/XX/XXXX. 

I requested my credit report and noticed that two accounts were not listed : XXXX and XXXX # XXXX, opened XX/XX/XXXX, Credit Limit of {$1700.00}, XXXX balance owed. 
XXXX 's # XXXX ( yes same account different company ) opened XX/XX/XXXX, Credit Limit {$150.00}, XXXX balance owed. 

I receive an email on XX/XX/XXXX indicating the dispute # XXXX was completed. I tried unsuccessfully to login in the dispute site via the link they sent. I eventually called and was connected to the dispute center. I was on hold for 1.5 hours before I decided to go online and chat. That person told me to call another number and there were problems with the dispute portal. I did speak with someone in the dispute center who indicated that he could not see a resolution to my dispute he could only see my comments. 

I indicated in the dispute that because the accounts were not listed, a true credit history was not being shown and I probably received higher interest rates for the credit I did receive. I would like the initial dispute looked into and corrected. I would also like someone to look at Equifax. All the lead no where numbers, all the phony information given to consumers, like the dispute completion I received. By the time this is handled 30 days will have gone be and I will need to submit the same dispute again. Why should consumer have to go through this to get something done. Consumer 's jobs, finances, etc., depends on this information being correct and when it is not, there should be an easier way.
Complaint sub-issue: Information is not mine

I pulled my credit report in XX/XX/XXXX and the following accounts were not listed on my credit. I just pulled my report for XX/XX/XXXX and the accounts are listed on my credit report XXXX XXXX AND XXXX I WANT THESE ACCOUNTS REMOVED AS THEY ARE NOT MY ACCOUNTS. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS
Complaint sub-issue: Didn't receive enough information to verify debt

Company : I.Q. Data International, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX I.Q. Data International failed to comply with FDCPA 15 USC 1692g, Section 809 ( b ) as I formally requested debt validation. 

Details : ( 1 ). I.Q. Data placed a collection account on my credit report on XX/XX/XXXX, prior to sending a debt letter to me. This is a collection action. 
( 2 ). I received a written debt letter from I.Q. Data dated XX/XX/XXXX stating I had 30 days to respond ( Enclosed ) / ( 3 ). On XX/XX/XXXX, I generated a formal dispute letter for debt validation. I faxed my formal dispute letter to XXXX as stated on the debt letter. ( Fax confirmation of receipt on XXXX/XXXX/XXXX attached )./ ( 4 ). On XX/XX/XXXX. I sent that same formal dispute letter for validation to I.Q. Data via certified mail to the address for written disputes as stated within the debt letter ( Copy of certified mail return receipt and tracking information included )./ ( 5 ). As of XX/XX/XXXX, I.Q. Data has not formally validated this debt./ ( 6 ). This debt was formally disputed with XXXX XXXX prior to referring to the collector./ ( 7 ). The amount due on the collectors demand letter is different than what my internal XXXX account reflected. My internal account reflects a {$0.00} balance. 

I have been harmed as this collection item had an adverse effect on my insurance rates and home purchase goals. 

I believe this is a willful violation of FDCPA 15 U.S. Code 1692k. 

XXXX.Q. Data International has well over 250 complaints listed with the XXXX
Complaint sub-issue: Reinserted previously deleted info

XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX are reporting false information on my credit report. A creditor improperly providing false information on a person 's credit report is a flagrant violation of the Fair Credit Reporting Act and Fair Debt Collections Practices Act.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2020 I attempted to open a checking account with Citibank, i was told i would hear something in a few days, as it was an online account opening. I never heard anything. Several days later, checks for a checking account arrived at my home, followed by a Debit card and PIN number. I activated the card and deposited money, by transferring money from my savings account at Citibank. I then began using the card and the account for ACH bill pay services. on or about XXXX toth i went to login to online banking, and was unable to do so. thinking it was just a temporary glitch i tried later in the day, it still didnt work, and was advised to register my card and my PIN again, i tried unsuccessfully. I tried calling the bank. they procedded to tell my i did not have a card linked to my checking account, however they wwere able to see transactions i had made that day on my debit card. they issued a new debit card. the previous evening I had written check XXXX and XXXX, both in the amount of {$370.00} when my balance was, and continues to be {$1300.00}, at the time of this complaint. 
on XX/XX/XXXX, i received an email saying that there were returned checks on my account, i accessed online banking, and saw that my account balance had not changed, and there was no notice or record of either check being presented or returned. I initiated an online chat session, while simultaneously trying to call the bank. I spoke to a representative named XXXX, who assured me nothing had been returned, and all the checks would post to my account on XXXX stated nothing to worry about. i was on hold for over an hour, and nobody picked up the phone Later in the day i received notice from one of the parties I wrote a check to, that the check was not honored. 
I called back to Citibank, again was on hold for 48 minutes, and finally ended the call. 
Every time i call the bank or chat with a representative, i get a different story, and am forced to jump through hoops, all the while they have my funds, are not honoring checks, costing me returned check fees, embarrassment, and frustration not to mention hours trying to access my funds, or get answers. 
i have spoke to numerous people, all give different answers and explanations, yet i am stuck with fees, lost opportunity, lost time and aggravation. this is the worst experience i have ever had with a financial institution..
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Afne and a man XXXX keep calling about a bill i do not owe them. 
Ive asked communication to stop. it needs to stop. 
No phone calls no mail.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute on XX/XX/2021 for XXXX XXXX XXXX Account # XXXX and it was not investigated properly. I demand a proper investigation or the removal of the account above mention
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

Reese Law Group out XXXX, Ca. has been very uncooperative, in resolving my legal matter. 
I've satisfied my judgement as per our agreement with them, I've dealing with this company for over 3 years now, they been horrible in communicating with me. 
I agreed to settle the judgement, which I paid in full as per our agreement, I held my end of the deal, and they have not. 
I been waiting for a satisfaction of judgement since XX/XX/2021 I'm the middle of refinancing my property, and I'm at Reese Law Group 's mercy. 
Please help me resolve this legal matter since is jeopardizing me losing my Home loan. 
Looking forward in putting this behind me and move forward.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCT # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

I believe the company failed to properly notify me of the terms and conditions of the debt such as the amount owed and payment due dates. The company stated because they have not received a payment in over over 30 days that they forwarded the account to the state of California tax franchise board for collection. I have not received any communication from AllianceOne prior to    XX/XX/XXXX  .  The terms of the payment agreement was NEVER outlined nor was there a payment agreement. Therefore, to send my account to another company is unjust and unfair legal practices. Secondly, the company charges a {$10.00} fee to make payments by credit card online and {$0.00} to mail a payment. I believe to charge such a ridiculous amount is also unfair to an consumer who is trying to settle their debt and are forced to pay {$10.00} as a " convenience fee '' when payment by mail are easily lost. AllianceOne is a terrible company that needs better business practices. There was never a payment schedule identified so it is unfair to suddenly send a threatening to suspend my driver 's license and forward it to the Calfornia Franchise Tax Board. AllianceOne mailed a lette r dated  XX/XX/XXXX  and on   XX/XX/XXXX   t  hey forwarded the account to another collection agency without giving me an opportunity to respond the letter.
Complaint sub-issue: Debt is not yours

I contacted Pro-Collect after noticing they falsely report XXXX to the credit bureaus. I sent them a certified letter requesting debt validation. I was sent an XXXX energy bill from my previous residence. I sent back proof that I moved out of the residence in XXXX and that the debt is not valid. However, they have refused to remove the derogatory mark from my credit profile. I reported them to XXXX XXXX, State of Texas Attorney General. Also, I reported them to the XXXX XXXX XXXXThis debt is not valid and does not belong to me. It should be removed from my credit profile.
Complaint sub-issue: Information belongs to someone else

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX : {$43000.00} ; XXXX XXXX  XXXX Balance : {$2400.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX  XXXX Balance : {$6600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$1500.00} ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Two Hard Inquires remain in my credit file : 1. XXXX XXXX XXXX- XX/XX/17 2. XXXX XXXX XXXX- XX/XX/17 These Hard Inquires are more than 2 years old and should no longer be on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent in numerous disputes referencing the inaccurate information on my Student Loan accounts, but the credit bureaus refuse to properly investigate this matter. I informed them that Section 63 of FCRA was enacted precisely to prevent inaccurate or outdated information. It was intended to impose a duty on furnishers of information and Credit Bureaus to update information that is being reported. Pursuant to Section 623 ( a ) ( 2 ) a duty to correct and update information. XXXX XXXX XXXX current records show that the periods that were initially reported as delinquent are no longer delinquent due to my accounts being in forbearance starting XX/XX/2016 to XX/XX/2016. The payments are now, as a matter of fact, CURRENT during the previous delinquent periods of XX/XX/2016 thru XX/XX/2016. XXXX XXXX can't say " oh by the way he was late at one point. '' That is contrary to the code which imposes a duty to update information. The fact that at one point information existed that is NO LONGER current runs contrary to Section 623 ( a ) ( 2 ) and its requirement to provide current and updated information. The Credit Bureaus must report what the current record shows. The current records will show that I am up to date on all of my payments, including those dates previously delinquent.
Complaint sub-issue: Inadequate help over the phone

In XXXX 2009, a fax lien was filed on my Equifax , XXXX and XXXX credit repots. XXXX and XXXX removed the lien ( it has been 7 years since it was placed ). I contacted Equifax last month and I was assured that it would be removed this month. I contacted Equifax this morning and am now being told it wo n't be removed for another three years. Does Equifax has a different set of rules that it follows?
Complaint sub-issue: Information belongs to someone else

The accounts or debt isn't mine it belongs to my children and they put it on my credit, another report is paid off but it was removed from one credit reporting company but not the other, another car debt the balance is wrong
Complaint sub-issue: Sued you in a state where you do not live or did not sign for the debt

I have sent several debt collection validation letters to the company with no response, they have destroyed my credit and as per state bureau which i have attached they are not licensed in the state of New York where i reside to collect a debt. I want this deleted off my credit report immediately or i am suing!
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Thi s Compliant is being sent to AFNI, INC in r esponse to a listing on my credit report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices A ct, 15 USC 1692g  Sec . 809 ( 8 ).  I NEVER established a contract with this company at all, furthermore a bill is not a contract from a alleged debt owed.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,   XXXX   and  XXXX   ) t his action might constitute fraud under both Federal and State Laws ) which are in violation of the following : the Fair Credit Reporting Act the Fair Debt Collection Practices Act Defamation of Character Please be advised that if collection attempts continue after receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and the Georgia Attorney Generals office.
Complaint sub-issue: Their investigation did not fix an error on your report

1 account with Nelnet ( account for {$8500.00} ) is reporting a late payment in XX/XX/XXXX on my XXXX report, which is not possible because the account was paid in full BEFORE that in XX/XX/XXXX. The late payment reported has the wrong year ( should be XXXX ). This is harming my credit because it appears I was late a whole year more recent than I was. I have disputed multiple times and Nelnet keeps certifying to XXXX it is correct but it is not and it is IMPOSSIBLE if  you use logic to review the dates of the account. It is not possible to be late in XXXX if the account was paid off and closed in XXXX - that makes no sense at all. My credit report needs to be updated to a late payment in XX/XX/XXXX instead of XX/XX/XXXX. All of the other Nelnet accounts are reporting this way except 1 ( assuming it is a typo but it is causing me a lot of problems ). I need this fixed.
Complaint sub-issue: Trouble with how payments are handled

I have called and asked for an accounting of my PSLF payments because I believe that they have made a mistake in their calculation of my payments. It has literally been 6 months since my last call and they have failed to issue a letter to my account. This is a pattern of behavior on the Part of FedLoan Servicing.