Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX has incorrect / missing data past XXXX. XXXX was removed by XXXX, XXXX, and XXXX due to incorrect/missing data past XXXX. 
XXXX when disputing incorrect/missing data past XXXX for this line keeps reporting post dispute the line as a Charge off each month I submit a report to remove line due to incorrect/missing data & past XXXX. 

I have contacted XXXX directly who reports via phone that incorrect/missing data past XXXX can not be validated by them as they are unable to access the data due to age of the line. I was advised to contact the credit reporting to have the line updated/removed. 

When asking the XXXX owner who is updating the info incorrectly to the agency, the XXXX could not access the data due to the age of the debt. 

XXXX was removed by XXXX, XXXX, and XXXX due to incorrect/missing data past XXXX. 

Requested XXXX to remove due to incorrect/missing data and the age of line past XXXX. XXXX instead keeps adding charge off indicator each month a dispute is added vs adding the original charge off date.
Complaint sub-issue: Reporting company used your report improperly

Delete Late payments XXXX XXXX # XXXX from XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states. ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

My credit was pulled without permissible permission on XXXX by XXXX XXXX XXXX ( XXXX ). A forged application requesting permissible permission was then made one day later on XXXX and a car was fraudulently purchased in my name. XXXX sent the attached letter on XXXX. I considered XXXX as reputable and thought it was resolved 16 months ago. However XXXX sold the debt to XXXX XXXX XXXX who is now harassing me for payment. XXXX requested the CRAs delete XXXX reporting of the trade lines associated with this account but then found another way to report this trade line on my report.
Complaint sub-issue: Debt was result of identity theft

This is a disputed credit card charge of {$910.00} from XX/XX/2013 which was a fraudulent action by someone in XXXX Tennessee who used my name and card number. I had called Discover Card at the time that this was a fraudulent charge. Someone had used my card account number to obtain cash advances fraudulently. The charges on the card were all cash advances to an address at XXXX XXXX XXXX, XXXX, TN. I informed Discover Card at that time that my card had been compromised and I have never lived, visited nor knew anyone anywhere in Tennessee. I wrote to Discover Card after notification from them that they were holding me accountable and recently when I discovered the charge, though disputed, was still on my credit record. Discover Card refuses to do anything about it.
Complaint sub-issue: Account status incorrect

Ally Financial is where my car loans is with. They are reporting bad information to the credit bureau 's they are reporting that I have been  XXXX   XXXX  days lat on my payments and I have not been my payments are due on the  XXXX  of each month and I have always been on time. As of this date they are reporting that I am one month behind and that is in  XXXX   XXXX  when I was in the hospital and had  XXXX   XXXX  in  XXXX  weeks I call from the hospital and ask for a deferral and was given that request. Yet I have called Ally a minus of  XXXX  times and they will not correct what they arfe reporting on  mr   and  my husband  XXXX   XXXX . I got Ally head quarters to send me a full History of all my payments and they only show that I was one time late bank in  XXXX . This stopping us from getting a mortgage on a home. I told Ally this and the lady saif then you have made your payment on time we will not change anything for you. Account numbers #  XXXX  + XXXX   XXXX   XXXX  I will fax to you the proof.
Complaint sub-issue: Account information incorrect

I have tried several times to fix this issue with SERVICE MAC they are reporting a higher incorrect balance than what is owed to the credit bureaus negatively impacting my credit. Also XXXX XXXX when I accepted the covid19 forbearance sent me a letter stating that this would not impact my credit. Although I have never paid my mortgage late at this time my XXXX  for mortgage is XXXX as if I have a delinquent mortgage account. I was deceived by the information they provided stating that they would not impact my credit this is a deceptive lending practice .I have disputed the account several times with XXXX they also report false information and do not investigate and correct the matter. I have contacted the OCC and have been advised legal counsel on this ongoing charade and will act if not resolved immediately.I have included a XXXX XXXX statement with the correct balance owed that should be reporting.
Complaint sub-issue: Account information incorrect

My social security number is XXXX. This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX/XXXX/XXXX  XXXX, snd XXXX XXXX XXXX,. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Complaint sub-issue: Debt was paid

This debt collection law firm, sue me and won the case. My wages were garnished for 1 1/2 years, I believed ending in XXXX 2016. On XXXX XXXX, 2016 my wage garnishment started up again. I contact my employer and they said that it was sent a letter of an adjustment of my balance. The total amount that I owe in the lawsuit was {$10000.00} and my employer said that it was the same company that is taking the garnishment again. I contacted the XXXX XXXX XXXX and I was told that it was fees and that my employer may have thought they have collected the total amount. I asked them what the amount was for and they just told me fees. The original amount of the lawsuit was paid off and they are now collecting more money for fees that was not on the original lawsuit amount and did not sent me notice or information on these additional fees of {$1000.00}. I have try to contact them and leave messages, but they have not contact me back. I have originally talk to representative name XXXX regarding the situation. He told me to call my employer about the start up on the garnishment, but my employer said that it was XXXX XXXX XXXX that reissue that paperwork to my employer. I believe they are illegally charging fees on top of fees that are out side the lawsuit that was paid out. I have not contact a lawyer, but would like my money back for the garnishment they are taking out of fees that they did not disclosed to me. I believe if they are doing this illegally to me that they are doing this to other consumers.
Complaint sub-issue: Deposits and withdrawals

I 'm trying to use this app that allows me to take out money and be deposited in my account. But it takes so long to update my transactions it takes like 2 days in order to receive it and get the money
Complaint sub-issue: Account status incorrect

This account has been disputed and despite my case the company has been unreasonable in correcting the accuracy of data but have instead added more inaccurate data. There has even been an offer to pay it off completely by having my bank take over the loan so as to not have continued issues with credit bureau reporting, and provide an agreement to update the data accordingly, but communications have been ignored.
Complaint sub-issue: Debt was paid

I already paid this account. They paid it to another collection company. I had already disputed it and they did n't remove it. I want it removed. I also have proof of it stating that it is paid.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Became aware that I was a big victim in late XX/XX/2022. As a result my credit reports all three have taken a major hit with hard and soft inquiries, Several accounts that I didnt apply for, Miss pay for work for having to handle the identity thats issue and approximately {$600.00} in funds that were stolen from my accounts. I have contacted all three major credit reporting bureaus and advise them and put XXXX freeze on my credit reports. But there are still increase in accounts coming up that are not mine that came from this identity theft and I want them took off my reports
Complaint sub-issue: Information is missing that should be on the report

My credit report still contains items that supposed to not be there the federal laws states that if I sent you dispute to correct my file you must comply to. I am enclosing an Identity theft report and my ID because I'm a victim of Identity theft. These charges are not included in my report since I did not make them. I meet the standards for Blocking and Removal of the below information under 15 USC 1681c-2.
Complaint sub-issue: Reporting company used your report improperly

The consumer reporting agency has violated 15 usc 1681 ( a ) by reporting inquiries on my consumer report. The law clearly states, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device shall be excluded from the consumer report. The action of the consumer reporting agency reporting inquiries, on my consumer report, is an additional violation of 15 usc 1681 as the action violates my right to privacy. Through the action of reporting inquiries on my consumer report, the consumer reporting agency has violated 15 usc 1681 ( b ) being that I have never submitted written instruction to the consumer reporting agency granting my consent to report inquiries on my consumer report. 
The consumer reporting agency was notified of its violations in writing. Confirmation of delivery and receipt of written notification on XX/XX/2021. A report was also filed with the Federal Trade Commission. To date, the consumer reporting agency has not made any attempt to correct its violations of the aforementioned consumer protection laws.
Complaint sub-issue: Reporting company used your report improperly

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

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 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 XXXXXXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

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

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. Sec.1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. No investigation was completed within 30dsys of the letters I sent.

( My letters that was sent to the credit bureaus are attached )
Complaint sub-issue: Didn't receive terms that were advertised

XX/XX/XXXX : Opened a Citibank account after receiving a mailer that said I would receive a {$400.00} cash bonus after depositing {$15000.00} into either my new Checking OR Savings account and as long as in good standing for 90 days ( XX/XX/XXXX ). 

XX/XX/XXXX : Deposited {$5000.00} into my new Citi Checking account XX/XX/XXXX : Deposited {$10000.00} into my new Citi Checking account XXXX : Account balance in Citi Checking : {$15000.00} At some point between XX/XX/XXXX and XX/XX/XXXX, I contacted Citi to see when the bonus would go through, they said after the initial 90 days, that the money would take another 60 days to be deposited so by XX/XX/XXXX. 

On XX/XX/XXXX after seeing that the bonus was not deposited, I contacted Citi who said they would look into immediately and make sure my bonus was processed. 

On XX/XX/XXXX : I received a letter saying that my account was ineligible for the bonus since my savings account was closed on XX/XX/XXXX. I never personally closed this account, so am assuming Citi closed it after zero activity. However my Checking is still active and in the initial bonus email it said only one account had to be active and have the {$15000.00} balance in it. 

I wrote them back and received another letter on XX/XX/XXXX saying that my account was ineligible since my Checking account was closed XX/XX/XXXX. They have the account number wrong, as well as my checking is still active as of today 's date : XX/XX/XXXX. Again, either way this is incorrect as my checking is still active and I only needed one active bank account as per their initial mailer and bonus email. 

They falsely advertised their promotion and my account is 100 % eligible for the {$400.00} bonus and I am now almost 30 days overdue for it. 

I am attaching : -Initial Bonus Email I received on XX/XX/XXXX after opening my account -Letter 1 I received on XX/XX/XXXX -Letter 2 I received on XX/XX/XXXX -A screenshot of my active Checking account with balance I appreciate your help in advance, thank you.
Complaint sub-issue: Debt was result of identity theft

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

Account Name : XXXX - LENDING USA Monthly Payment : {$170.00} Date Opened : XX/XX/2017 Balance : {$2700.00}
Complaint sub-issue: Investigation took more than 30 days

I disputed several accounts for big inaccuracies and only one account was removed for only one bureau while there are more inaccurate accounts, besides, investigation is taking so long and the bureaus haven't sent any response.
Complaint sub-issue: Trouble with how payments are handled

I have XXXX loans with SallieMae. Each are enrolled in auto-debit and have been for more than a year. This is confirmed in my account information available online and has been verified during a multiple calls with their customer support. Despite being enrolled in auto-debt, the accounts do not auto-debit and I receive a call from SallieMae that I am delinquent on my account every month. I believe this practice is intentional in an effort gain more interest on my accounts.
Complaint sub-issue: Information belongs to someone else

I am in total disgust, distressed and livid at the fact that your company is reporting an error on my credit file. Ive sent 10 certified letters in for this account alone. I believe that this account is reporting fraudulently whether your company is placing it or whomever. This is my final letter to remove this account off of my credit file immediately and permanently. I am allowing 72 hours for the investigation of this account, and I am demanding that this error/fraudulent account is removed. I will be following up within a few days. I have attached a few documents. After your response I will be taking legal actions upon your company for placing errors on my account. I am a victim of identity theft and my file has been tampered with. Your company is the reason for weird accounts reporting on my credit file.
Complaint sub-issue: Their investigation did not fix an error on your report

During the prior month I reached out asking for an extension I was told a different story than the one they claim to give. No investigation was done. No one pulled phone calls, or looked into why a representative had gave me wrong information and that information impacted my credit score. Therefore, the information that is reporting to my credit score is not accurate reflection of my credit report. Ive always had XXXX percent payment history. This is affecting my credit score from obtaining a business loan and obtaining a new car under my business.
Complaint sub-issue: Attempted to collect wrong amount

I got a call out of the blue from a debt collector saying I have an overdue account with the college I went to. I asked for an itemized statement from the school showing what I owe. On the receipt was over XXXX XXXX in collection and late fees.The man I spoke to from ERS said I had 30 days to pay or it would be marked on my credit. I asked if there was a way to lower the amount due because i did not know i had the over due balance and would have happily paid the amount due before the charges, he said they could settle with the school, and it 's usually 85 %. He told me my best bet was to take out a loan so I could pay them and just make payments to the bank and keep my credit safe. I told him I would try to do that, while he settles with XXXX. We agreed to aim for {$3000.00} to settle the account. He said he would get back to me by the end of the week. He then took my bank account number and routing number, thinking he needed it for verification purposes I gave it to him. Then I got a loan that week but never got a call back from him. After calling several times that week, the next Monday, and tuesday, I finally got a call from a different person at ERS. This person then told me that the payment was received but XXXX wanted an additional {$400.00}. Surprised, I asked what payment. He told me that the payment for {$3900.00} cleared the previous week. I then checked my bank account and sure enough the payment was cleared. I then said I never authorized a payment, and the other man said we would settle for much less and he never returned my calls, this new guy says " yeah I see that he did n't contact you, I 'm sorry he should n't of done what he did, he does n't work in this department anymore. '' I feel that this is very unprofessional and feel that I am being taken advantage of. The man said they still had to collect the {$400.00} but I said I was not paying anything until I spoke to someone about this, which is why I am contacting you. I think that there is fraud going on here and definitely unfair debt collecting practices. They should have never just taken the money from me. There was no communication.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

Between XX/XX/2020 and XX/XX/2020 I was laid off from work due to COVID I called the credit company and asked them to note I was effected by COVID and may be unable to.make.even minimum payments until I find work or go back to work. It was noted that my file was effected by a natural disaster and wouldn't effect my credit score. Now I look and I have 5 months of missed payments effect my credit score.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$880.00} XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXXBalance : {$170.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$170.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Account information incorrect

There is a student loan account " XXXX XXXX '' on my credit report that closed in XX/XX/2019 and is reporting a history of late payments, which is incorrect and deceptive information. This account was fully paid every month and closed successfully with the creditor before it was transferred and consolidated into my US Dept of Education Student loans, and yet they deceptively reported months of missed payments. I am asking for expeditious removal of this account, which is reporting fraudulent information and is in direct violation of my rights under the FCRA.