Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem

I paid off this company for the entire balance owed on XX/XX/2021. First issue it took them almost a week and a half to post my payment. My available credit limit with this company is {$6000.00}. But I owed - {$5900.00} which was paid in full. Once paid I called and asked why it still showed a balance owed of {$280.00} which was my normal monthly payment up until that point. The first two calls I was told it didnt calculate right and would be removed. The 3rd call told me it was for interest. Which didnt make any sense. I was then told interest wasnt charged at the end of every month for my purchases like normal credit cards it was just added. Something Ive never heard of before and sounded as if they Just wanted more money. I advised I paid my total balance owed and no longer wanted this account due to shady practices and asked them to close it. Went through some disclosures and was advised it would be closed. I also requested that the account be adjusted Bc the balance is not owed. Nothing was done. I called again and requested the account closed and adjusted. Nothing done. I reported to the XXXX  and on each interaction I requested the account closed and is still opened today along with no adjustments. This was over a month and a half ago and is now still open and past due
Complaint sub-issue: Information belongs to someone else

Someone duped XXXX XXXX out of {$3400.00} I will presume using my SSN or other identifying information. Although I have contacted XXXX XXXX and the collection company they sold the debt too the issue remains. I have not ( and never will ) ever been a customer of XXXX XXXX. There is 0 % chance they have any documentation with my valid signature authorizing this debt. I tried to go through XXXX and they " verified '' the debt. How exactly? Like I stated I have never opened an account with XXXX and I am 100 % certain that my information was used illegally. This should be XXXX 's problem not mine. They gave away {$3400.00} to a criminal not me.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX XXXX2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section 611 ( a ), 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 as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Complaint sub-issue: Reporting company used your report improperly

I called in to Equifax today XX/XX/2021 at XXXX and XXXX and requested to delete accounts that Ive been disputing last month XXXX and XXXX and the both representatives refused to comply with the 15 USC 1681n and I was hung up on both times while being transferred to a supervisor. I was also told that they cant honor my request and remove the accounts because they have guidelines other than following the federal credit reporting act. I have a right to exclude any account associated with a credit transaction and they refuse to comply. I asked that the accounts be deleted immediately and they refused. Im sick and tired of Equifax lying about the validation of accounts because they never spoke to any of my neighbors, family members regarding my reputation or credit. Only o can validate pursuant to 15 USC 1692g. I am the original creditor and I called to ask that those accounts be deleted immediately and did not comply.

I am requesting that the CEO of the company send an affidavit of truth that a verification of accounts with neighbors and family were validated to conclude that the reporting from the creditors were valid. You continue to lie and you will be fined!
Complaint sub-issue: Personal information incorrect

I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX   XXXX please delete any other names. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. The following addresses are not mines : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, NY XXXX
Complaint sub-issue: Reporting company used your report improperly

when covid 19 affected everyone. i was laid off i always pay my bills on time but the creditor didn't want to negotiate. so ive been trying my hardest to find a better way to get to them cause its showing late payments on my report.
Complaint sub-issue: Account status incorrect

I have a  XXXX   XXXX  charge off listed on my credit report.    XXXX   Purchased my   XXXX   XXXX   XXXX  landline service. My payment went to  XXXX   XXXX   XXXX  but during an Audit  XXXX  identified my account as 180 days late from the Purchase date from  XXXX   XXXX   XXXX  to  XXXX    XXXX  .   They listed th e 180 la te on my credit report.   I called  XXXX  and was on the phone with them for ove r 1 hou r while they tried to figure out what happened. They confirmed they received the payment and was going to remove this from my credit report.   I get a new credit report a few weeks later and  XXXX  has changed the  Status to a Charge off.    I called  XXXX   XXXX  and they said the account is paid off and not a charge off but are not going to correct my credit report. The gave me a letter and told me to work with the credit bureaus. The Credit bureaus all said they researched the issue and confirmed from  XXXX  that it was a charge off.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2019 through XX/XX/2019, we received unsolicited telephone calls from mortgage lenders and brokers and other third parties who were soliciting us to refinance the mortgage on or property at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. We had no intention of refinancing the mortgage, and we had not contacted anyone about refinancing the mortgage. The lenders and brokers told us that they received information from Equifax Inc. that caused them to contact us regarding a mortgage refinance. We never authorized Equifax Inc to secure mortgage refinance offers from anyone. Equifax Inc. used automatic systems to unleash a barrage of telephone calls from lenders and brokers regarding a mortgage refinance, and in fact we received 30 telephone calls from lenders and brokers in a 48 hour period, all initiated by Equifax Inc. None of the lenders or brokers provided us a firm offer of credit. All of the calls from lenders and brokers were initiated by Equifax INc. We requested the CEO and Chief Legal Officer to provide us a list of all mortgage lenders and brokers to whom they had sent personal and financial information about us, but they have failed and refused to do so. We asked Equifax to tell us what information they provided to lenders and brokers, but they have failed and refused to do so. Equifax Inc. charges lenders and brokers a fee to provide them with information about prospective mortgage refinance borrowers even when the property owners have no intention to refinance. Equifax Inc has earned fees by disclosing our personal and financial information to probably more than 100 lenders and brokers since we received calls from 30 lenders and brokers in a 48 hour period. The disclosure of our personal and financial information to numerous lenders and brokers potentially subject us to identity theft, but Equifax will not disclose to whom they sent our personal and financial information for a fee. Equifax business practice and model as described violates the Fair Credit Reporting Act. We have sued Equifax INc in federal court in XXXX, but they secured transfer of the case to the XXXX XXXX of Georgia, XXXX Division. We will litigate the case with them as they have refused to make an appropriate and adequate settlement offer though we have made offers to them..Please investigate Equifax Inc. as this is intentional unauthorized disclosure of our information and is an intentional data breach by Equifax for a fee.
Complaint sub-issue: Information belongs to someone else

A debt collector was allowed to post inaccurate and incorrect data on my credit reports without first providing validation per XXXX, on XX/XX/XXXX i demanded verification/proof of this debt from XXXX XXXX XXXX and to date XX/XX/XXXX have not received this verification which is in direct violation of the Fair Credit Reporting Act. 

I have attached proof along with XXXX certification receipt showing it was received by XXXX XXXX. XXXX which clearly shows this company is in direct violation of XXXX laws.
Complaint sub-issue: Trouble with how payments are being handled

Previous CFPB Complaint #  XXXX . I have been requesting Fedloan Servicing provide me with itemized billing of how my payments are being applied to the  Public Service Loan Forgiveness  program since  XXXX . I have loans that were transferred to Fedloan Servicing since  XXXX , that I have made payments on every month except for  6-9  mths of possible deferments, that show I have only 2 years worth of payments on. This can not be possible! I realized a discrepancy with my PSLF payments in  XXXX  and have made countless requests with Fedloan Servicing since this time. My efforts to get a full accounting of my PSLF payments have been to no avail. I therefore submitted a complaint with CFPB in   XXXX   XXXX   to which the servicer stated they would be sending me a full accounting of my PSLF payments under separate cover. To date, I have received NOTHING! My frustration is compounded by the fact that Fedloan Servicing is the SOLE servicer of the PSLF program. So even if I transferred my loans to another servicer, I would still be forced to deal with Fedloan servicing for the accounting of my PSLF. Today, on  XX/XX/XXXX , I have spoken with  XXXX , a supervisor in Fedloan Servicing 's PSLF department who stated she was putting in an expedited request on my behalf and I would have a response in  3-5  bus. days. Although her tone seemed genuine,  XXXX  is now the  4th  rep who has told me that an expedited request was being put in the system on my behalf since my CFPB complaint in   XXXX   XXXX  . I have no faith in Fedloan Servicing 's ability to live up to its promises. They are by far, the worst servicer of student loans I have dealt with. Both  XXXX  and  XXXX  did far better jobs servicing my loans than this company. I would like the CFPB to do a serious inquiry into Fedloan Servicing and its  PSLF accounting prac tices. With this abysmal level of service, I can not imagine I am the only person having problems with this company.
Complaint sub-issue: Information belongs to someone else

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX US DEPARTMENT OF EDU XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a 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.
Complaint sub-issue: Problem with balance transfer

On XX/XX/XXXX, ask CitiBank for a Transfer Balance of my credit card ending in XXXX, to my checking account at XXXX XXXX  XXXX in the amount of {$3400.00}. 

According to the CitiBank app, this transfer was made on XX/XX/XXXX, but it was not so since this money NEVER reached my XXXX XXXX XXXX account. I immediately contacted CitiBank customer service and they told me that if the transfer had been sent, I should contact XXXX  XXXX XXXX, when calling the latter they told me that no CitiBank transfer in the amount of {$3400.00} appeared in their system. 

I have called CitiBank approximately 50 times requesting information and every time I call all the operators who answer me they tell me different information, they ask me for different data and again we fall into it. 

On XX/XX/XXXX I contacted CitiBank again and requested that a dispute be initiated over this amount {$3400.00}, and on XX/XX/XXXX, I took a letter by mail informing me about the start of the dispute. 

On XX/XX/XXXX, I receive an email saying that the transfer had been successful and they sent me a XXXX ID and a Trace ID, when checking the CitiBank app I notice that the charge of {$3400.00}, is on my credit card, upon receiving this email I call Citibank again and the operator that serves me tells me that the dispute of XX/XX/XXXX I feel mocked by CitiBank, since they do not give me an answer about that transfer money that I NEVER received in my XXXX XXXX XXXX account. I don't understand why every time I call they tell me different information, I feel like they make fun of me. 

I can't pay a money I never received and they have to give me an answer about it, I ask for their help to see how I can get CitibanK to answer me and remove that charge from my credit card. It is worth noting that I make a minimum payment of {$35.00} so that the account will not fall into arrears and my credit is not affected. 

I am sending you an image of the emails and the dispute charge that was supposed to start. 

Sincerely. 

XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

In XX/XX/XXXX, I pulled a copy of my credit file Reference # XXXX in which I became aware of several unauthorized inquiries. I immediately contacted XXXX, Equifax and XXXX advising them that I was a victim of fraud. I submitted an initial dispute letter, copy of the police report, victim notice from the Department of Justice and my ID/social in XXXX. Equifax did not acknowledge my request. I resubmitted the information again in XX/XX/XXXX. My second request was also ignored. I proceeded to call Equifax on XX/XX/XXXX in attempts to resolve this matter. I was told by XXXX ID XXXX that the documents were not in their system, although I had sent them at the same time as my dispute request that was acknowledged. I asked for a supervisor and XXXX placed me on hold and never came back. I called again on XX/XX/XXXX and spoke with XXXX ID XXXX who refused to assist me as well. I requested to speak with a Supervisor on 3 occasions and was told " There was nothing anyone could do for me '' and he refused to allow me to speak to a supervisor. He placed me on hold and indicated his supervisor refused to speak with me. He later hung up on me.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX and I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted requesting the removal of the fraudulent accounts and information off my Credit File. I sent a letter on XX/XX/XXXX, to remove the accounts, inquiries and Personal information that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts and information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints & I am including it again : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XXXX, AR, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX, XXXX XXXX XXXX, AR, XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX. If you believe that the dispute items belong to me, please send me the results of your investigation to prove your claims.
Complaint sub-issue: Account status incorrect

I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2600.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$490.00} ; XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$680.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : - ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$820.00} XXXX XXXX XXXXXXXX XXXX IL XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXX : XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXXXXXX XXXX XXXX bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX
Complaint sub-issue: Investigation took more than 30 days

I SENT A DISPUTE LETTER TO XXXX  ON XX/XX/XXXX AS OF XX/XX/XXXX XXXX  HAS FAILED TO COMPLETE MY INVESTIGATION AND COMMUNICATE RESULTS WITH ME FOR THE FOLLOWING ACCOUNTS. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX  XXXX XXXX 6. XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022. I received A letter from Equifax stating that the ( XXXX XXXX XXXX ) was Verified. However, if XXXX XXXX had these accounts removed off My credit report therefore it was nothing to Verifie.
Complaint sub-issue: Debt is not yours

On XX/XX/2022 I have disputed a debt on my credit that is not my debt almost 5 times now. I have asked XXXX to investigate this issue properly. I asked for them to please ask the credit company Jefferson Capital Systems who is reporting I owe {$1200.00} for XXXX. This is not my debt, I have never opened a account with XXXX  for { {$270.00} I have asked XXXX to request proof of this debt as the law states. There has been no proof of what Government Issued ID was used to open this debt. What city and state was this debt opened. This company Jefferson capital systems just writes that the debt is valid and XXXX just keeps it on my debt. Under section 611 of FCRA they have to actually do some investigation work and verify this debt is real and my debt. Its caused problems with my life. Also how would XXXX  let someone have a {$1200.00} phone bill!!! phone bills on average are $ XXXX is a fraud debt and needs to be removed immediately. XXXX is just using a computer generated system to get a response from Jefferson capital and all they have to do is say " yes '' the debt is valid and XXXX reports this!! XXXX and Jefferson capital should be responsible for the problems this has caused me and my family and it shouldnt be up to the consumer to seek legal action when XXXX isnt following the law. They should not be allowed to control a debt score if they dont follow the law.
Complaint sub-issue: Frequent or repeated calls

I am am making payments on a weekly basis but yet they call from various numbers several times a day even after I make a payment when promised. Regional acceptance auto is the company
Complaint sub-issue: Investigation took more than 30 days

I try to fix the problem last time i send the letter to cfpb and you are still reporting this negative items
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX