Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is missing that should be on the report

Dear CFPB, There is a Collections account on my three credit reporting agency reports that is either not mine or is reporting seriously incorrect information.

It is XXXX XXXX XXXX with an open date of XX/XX/XXXX.

Last year, I contacted the three Credit Reporting Agencies about this collections but all they did was note that I am disputing them. They have not corrected or deleted them. Also, the collections agency did not respond to my request for validation.

I know for sure that I have not defaulted on any debt for since I went through a divorce in early XX/XX/XXXX. For six years, I have made all my payments on time.

I am worried that this collections is either not my debt or has been re-aged by the collections agencies. This practice of re-aging is a very serious violation of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 5 ) Duty to Provide Notice of Delinquency of Accounts ( B ) Rule of construction. For purposes of this paragraph only, and provided the consumer does not dispute the information, a person that furnishes information on a delinquent account that has been placed for collection, charged for profit or loss, or subjected to any similar action, complies with this paragraph, if ( i ) the person reports the same date of delinquency as that provided by the creditor to which the account was owed at the time which the commencement of the delinquency occurred, if the creditor previously reported that date of delinquency to a consumer reporting agency I do not know what else to do. Can you please assist in me in getting this erroneous collection report removed from my three credit reports?

Sincerely, XXXX XXXX
Complaint sub-issue: Information is not mine

This items are fraudulent accounts. And i have provided enough information.XXXX/ XXXX/ XXXX/ XXXX/ XXXX/ XXXX/ XXXX.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

Puget Sound Collections XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX This company is sending me fake bill without any valid bill ( XX/XX/19 ). It says creditor XXXX XXXX XXXX without any address of the creditor. I do not owe any bill. I believe this is a fake company. I'm not sure how does my personal information is leaked from the hospital which this company is using it for fraudulent purposes.
Complaint sub-issue: Trouble with how payments are being handled

I refinanced my student loan with Earnest on XX/XX/2019. The first issue I had was that they over paid my previous lender and immediately starting charging interest on that principal, even though it stated in the documents that I am to continue making payments with my original servicer ( obviously ) and that if my actual payoff balance was different than I originally claimed in the application, that it would be adjusted properly. Earnest did not adjust the loan origination amount. Secondly, I received my first statement on XX/XX/2019 and immediately arranged auto-pay through the Earnest website. I elected for bi-weekly payments, every other thursday, to start on XX/XX/2019. The first payment on XX/XX/XXXX came out promptly and without issue. However, the payment on XX/XX/XXXX did not process. I noticed over the weekend and called them on XX/XX/XXXX to find out why. They stated it was a newly realized problem that hadn't yet been solved. I asked them if they had any intention of notifying me that there was a problem and they said they were still trying to identify everyone who was being affected. The rep then told me it appeared to only be an issue with the second bi-weekly payment and that the first bi-weekly payment of the cycle was processing with no issue. They offered to process my payment same day and make it effective on XX/XX/XXXX and that the interest would be recalculated. Now, the XXXX   of XXXX  rolls around and my payment does not process for that date either. Their website  states that I am enrolled in bi-weekly auto-pay. My billing statement states on page 1 that I am enrolled in bi-weekly auto-pay. Additionally, I elected for the overpayment billing instruction to bill me for my full monthly payment regardless of how much I pay throughout the month. I have yet to receive any communication via email or snail-mail that there is an issue processing auto-payments and I am horrified to think about how many people they are charging interest to for unpaid principal when they have a payment agreement already in place. Please help!
Complaint sub-issue: Information belongs to someone else

on XX/XX/21 I got an alert that someone had run a hard inquiry on my credit which I never authorized or have an idea of the person this report showed up on my Equifax credit report as XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On ( XX/XX/2021 ) I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX Date Opened : XX/XX/2021 Balance : {$300.00}
Complaint sub-issue: Didn't receive terms that were advertised

I opened a checkings account with Citi on XX/XX/XXXX for their promotion of funding the account and keeping $ XXXX by XXXX day of account opening and keep the fund there for an additional 60 days, I should get {$500.00} bonus. So I did. I transferred from my XXXX XXXX XXXXXXXX altogether $ XXXX to Citi and opened a linked Savings account at the same time. I made sure on XX/XX/XXXX, my account has a balance of $ XXXX and I have not touched $ XXXX for over 3 months until XX/XX/XXXX. By the end of XX/XX/XXXX, my account balance in Citi checking is {$34000.00}. And they did not honor me with the bonus offer of {$500.00}, instead, they put {$200.00} in my account. I called customer service and one of the representatives located the promo code and set up a case for me and told me I should be getting a response within 5 business days. I waited and checked on the updates on XX/XX/XXXX, and they told me I should be expecting an answer by XX/XX/XXXX, which apparently I did not. I called again today and I had to request to escalate the issue to a supervisor, XXXX XXXX. XXXX told me that now Citi would have to extend the investigation to 15 days. I am really upset. I should never have trusted Citi. This is obviously a bate and switch. I could have invested my fund into treasury or a market money fund that invests in US treasury and earn a much better yield and did not have to deal with their constant excuses of keeping my fund in their custody and earning interest and not honoring their advertised promises. This is very frustrating and they can offer contradictory statements and not keeping their end of the bargain. Please kindly protect us, consumers from this kind of manipulative behaviors from our financial institutions. 

Thanks, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Equifax, XXXX  and XXXX  XXXX Expedited resolution request XXXX, XXXX and XXXX XXXX have been reporting accounts in my name to XXXX, Equifax and XXXX inaccurately. 
I have disputed these accounts over 8 times since XXXX, the most recent XXXX, XXXX, XXXX & XXXX. Claiming the balances are incorrect and that these accounts have been settled. However, each time I made this claim XXXX and XXXX have alleged they conducted a proper investigation and each time verifying the accounts have been reporting correctly. This is not possible to be accurate as XXXX and XXXX exercised a CANCELLATION OF DEBT back in XXXX and reported this to the IRS, I am attaching irrefutable proof of the cancellation of debt. 
Despite this fact, XXXX and XXXX have been updating and reverifying this inaccurate information to all three mentioned credit bureaus every single month for over 2 yrs, causing severe harm to my credit resulting in numerous credit denials, increased auto insurance and denial of my XXXX XXXX XXXX  loan, forcing me to close my XXXX XXXX. 
As a result of XXXX and XXXX  reckless actions they each have committed over 60 direct violations of the FCRA. I am demanding those mentioned accounts be completely deleted from my credit reports as required by LAW, which obviously XXXX and XXXX do not give a XXXX about.Regardless, a lawsuit will be filed in the coming weeks. 
I am attaching the cancellation of Debt documents AS for XXXX XXXX, although I have filed disputes and requested XXXX to provide a full accounting and other information over the last 18 months, they have refused to do so, I have never received any response from them. NEVER!
Complaint sub-issue: Funds not handled or disbursed as instructed

To whom  it may co ncern, On today,  XXXX / XXXX /  XXXX  .  XXXX  at  KeyBank  in  XXXX , VT, told me that I would not be allowed access to my funds in my bank account. I work overtime every week and I have  two smal l children. I can not feed them, I need access to my money!
Complaint sub-issue: Information belongs to someone else

Hello, in early XXXX of this year I had to complete a security check for a financial institution, XXXX XXXX, and failed the check. Then on the XXXX XX/XX/2022, I failed another security check with XXXX, an insurance company. From the questions both agencies asked me and the answers that were presented, it appears that the company/companies compiling this information has me confused with a person with a similar that is my age and lived in cities that I also lived in but is not me. My recent credit reports do not have me confused with this other person, only these security questions.
Complaint sub-issue: Information belongs to someone else

My wife was trying to trade her vehicle in for a newer model and was told from the salesmen that she could not make any trade. She asked why and he gave her no explanation. We then both pulled our credit for ourselves on XXXX  XXXX and there are many joint, unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen our identity and I need these things deleted from my credit report. 

XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX {$920.00}
Complaint sub-issue: Information belongs to someone else

I UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD.
Complaint sub-issue: Information belongs to someone else

On XXXX XXXX, XXXX I became aware of a data breach of personal and financial credit reporting information held by the Equifax credit reporting agency. Equifax was negligent in the handling of information of potentially millions of account holders, including myself. I verified that my data was breached using the reporting tool located at the following website : https : XXXX As a potential victim of identity theft and fraud due to negligence on the part of Equifax I want immediate resolution of this issue, including costs associated with freezing my credit for my own protection. 

I 'll also be filing a police report, as well as IRS Form XXXX.
Complaint sub-issue: Funds not handled or disbursed as instructed

My bank account got hacked they gained access to my IP address & took {$7500.00} dollars out my my u.s bank savings account through XXXX! I reported fraud on the accounts & today XX/XX/22 I got in contact with them only for them to tell me that I will not be able to get the money back because I authorized the transfer when that is not true I didnt authorize anyone to take anything nor have anyone access to my account! I need some help, it all happened after I was sent a fake check for my landscaping business, I sent confirmation to the guy that sent the check to show that I had deposited it & then after that they had gotten into the account! I have the check that they sent, I have the guys phone number, as well as the postage that they used to mail me the check with an address on it! I also have a picture of an ID of the guy! Please help me! I guess all the money that had came out my my account was sent though multiple XXXX transactions to multiple different people! It was an all around scam & now Im the one that should be paying the price? No thats not the way it works, my money was not only insured but the bank let the perpetrators pull the money out of my accounts not once not twice not 3 times not 4 times but over 5 times to send it though XXXX & they just let it happen & didnt lock the account out after the first one!!? I am not At fault for this at all & am going to do everything I can to get my money back! Also on top of this nonsense happening, not only did they steal my money, & not only is the bank trying not to give it back to me but they said all ties have to be cut that I am no longer able to have any accounts with them! I have a mortgage though us bank, my own personal checking & savings the ones that got hacked then I opened 2 new ones & also have my business savings and checking though them thats 7 different accounts that I am no longer able to have because of this! The bank is really screwing me over & That is all the money I had to make it though this winter unemployment! I am genuinely screwed and theyre just blowing it off like its not a big deal! Theyve seen this multiple times before & the lady at the branch even said the same thing that shes seen it multiple times that it was most definitely fraud and I still havent gotten anywhere! this is all the money I have! My number is XXXX & my name is XXXX XXXX please help me Im begging you! thank you
Complaint sub-issue: Information belongs to someone else

Equifax apparently supplies security questions to Social Security. The questions they have supplied do not pertain to me ( e.g. questions about mortgages, charge cards, addresses, former names, none of which are mine ). As a result, I can not access the SS site to set up an account to receive benefits. XXXX and XXXX both have proper information for me, with a correct listing of my loan and charge history - and I have a credit score of over 800. Equifax will not respond to my dispute request about this - it's website continues to say " This service is not in service '' and provides no means of talking with a representative. This has delayed my ability to apply for benefits for almost two weeks now. Please help!
Complaint sub-issue: Was not notified of investigation status or results

student loan accounts are showing a status as " CLOSED '' instead of " PAID IN FULL '' as it does in the student loan database. I never sent a letter asking them to close the accounts after they were paid because this would adversely affect my credit. 
Paid in Full Stafford Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details Stafford Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details Consolidation Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details Consolidation Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full
Complaint sub-issue: Trouble getting, activating, or registering a card

i opened a prepaid debit card account with XXXX after my release from XXXX  In GA, as XXXX  is associated with J-Pay the administrator of XXXX  trust accounts for the GA dept. of corrections. Initially the debit card was associated XXXX account no. XXXX. At some point the associated account became XXXX account no. XXXX without any notice. There must have been a reason for the account change, my guess is some irregularities took place that the bank did not want me to discover.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My problem is a little complex, because Citibank Credit cards, has been billing me for a fraudulent Charge form an XXXX company about 8 months ago, I dont have the exact date and details about the transaction because my E mail inbox was hacked or suffer a virus attack that wiped out all my information about online credit card activitie.

Also Citibank has refuses to send me written statement about the transactions whre I can see the exact date and details of the fraudulent charges, on specifically the XXXX Citi Cards now closed. 
They not even let me open an online account with hat XXXX credit card, and the latest bill for the period XXXX was for {$790.00} to " account ending in XXXX '' I dial de automatic number for information and the account is " closed ''. 
I have talk many times for several months with customer services or with a " fraud specialist '' and they assured me that the problem was resolved and no charges dues by me. Please I need help, I want the Citibank to send me written statements of XX/XX/2021 to date, to dispute the charges with better information and details of the transactions., enclosed are my leter to them and copy of latest bill.
Complaint sub-issue: Account status incorrect

US Bank is reporting a paid past due account incorrectly. They are reporting that the account was closed at my request. This is incorrect. US Bank closed the account. They can't provide proof of their claim, so this item needs to be corrected or removed from my credit report.
Complaint sub-issue: Information belongs to someone else

There are items still on my credit report that have been reported more than once. All contacts with FTC and local police department have been made. However these items are yet still on my report : XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX.
Complaint sub-issue: Need information about my balance/terms

I completed the proper forms to request PSLF and emailed Fed Loan shortly after confirming my eligibility and asked that they provide me a date of transfer for the loans and got the following response : Thank you for contacting FedLoan Servicing! 
Your loans will be added to our system on XXXX XXXX, 2016. We will then calculate and provide you with the following information for each loan : - The number of qualifying payments you made during the qualifying employment period listed - The total number of qualifying payments you made during all periods of qualifying employment - The number of payments that are still required before you can apply for forgiveness - The date you are expected to be eligible to apply for forgiveness Your account must go through a detailed review process, unfortunately this review will take a minimum of 90 days to complete. This process can not be expedited due to the transfer of your loans. 
We recommend that you use the " Contact Us '' links on our website, www.MyFedLoan.org, to submit inquiries via a secure email form. You may also call us toll-free at ( XXXX ) XXXX to reach our Customer Service Department, which is open Monday trough Friday from XXXX until XXXX ( ET ). 
Sincerely, XXXX FedLoan Servicing Today I am being told by a rep at Fed Loans by the name of XXXX ID XXXX that the transfer of the loans from the original servicer who was XXXX took place on XXXX/XXXX/2016 and can take an additional 30 days to reflect on their system giving a post date on or about XXXX/XXXX/2016 which is not what I was told in the above email. I was then transferred to PSLF by the the Fed Loan rep and was told by XXXX the same thing but in addition to waiting up to XXXX/XXXX/16 for the loans to post, I will have to wait an additional 90 days from completion of the transfer to find out how many payments are eligible for PSLF for an estimated total of 5 months to complete this transaction which is not a realistic timeframe. In the meantime although the loans being transferred are currently in forbearance I have to sit and wait before I can pay anything towards the loans which is totally a violation particularly with my not knowing what my new estimated payment will be, how much the monthly payment will be impacted, nor the balance remaining due to this long processing period. If I had the preference I would have kept XXXX as my my servicer as their website is much more user friendly. I wish XXXX could handle processing/tracking of payments for PSLF. Fed Loans should take note and learn a thing or two from XXXX.
Complaint sub-issue: Personal information incorrect

This is the third time I have complained about this issue, I am no longer associated with these following addresses and they need to be removed ASAP. I would like my information to be removed from all pre-screen products and insurance promotions. Please delete the following addresses : XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 4XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, KY XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX 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: Debt is not yours

EOS CCA calls me every single day, sometimes multiple times a day. They claim I owe roughly {$35.00} and that they are collecting on behalf of XXXX. 

I did not trust it to be true at first, so spoke with XXXX and they have no record of ever passing my account on to this agency, especially since I am still a paying customer of theirs on auto-debit. 

I have asked them to stop calling me and continually block every number they call from, but still call from different numbers like I mentioned every day. 

They open the call by telling me that it will be recorded, and then say my name and try to confirm my address. I do not confirm my address with them, but it is very troubling that they have it.