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

I was reviewing my credit and found that Synovus/XXXX on XXXX XXXX had reported a 60 day late payment to credit bureaus after calling and requesting a explanation. Found out that double payments had been made assuming that they would be credited to the following month. That was not case, at that point was ask if we could pay {$61.00} now and that they could put the account in forbearance until XX/XX/XXXX. After numerous calls disputing the late payments being reported to credit bureaus. Which we where never asked to paid during the conversation and told that everything was find until XXXX. We assumed that late payments reported to the credit bureaus would be removed. During one of my calls with the collections Supervisor I was that the late payments started in XXXX of XXXX but where not reported to credit bureaus until XXXX of XXXX I believe as part of the Fair Credit Act it must be reported 100 % accurately across all the credit bureaus it must be deleted. Please remove all payments.
Complaint sub-issue: Personal information incorrect

I have tried several times to contact Equifax. Either I get the general customer service and or they transfer me and I am asked questions but never get to an agent. I have spent an hour trying to get an agent and when they finally picked and I expressed my concern about their automated system they hung up on me. Her name was XXXX ( probably not her real name ). 

Also, I have disputed this information online.
Complaint sub-issue: Information belongs to someone else

Loancare ( mortgage servicer ) is falsely listing me as a debtor on a mortgage, however I was never on the mortgage. I believe this is illegal activity on the part of the XXXX XXXX XXXX XXXX as part of the subprime lending crisis. My name was on the Warranty Deed only, never on the mortgage. LoanCare has fraudulently reported to credit agencies that I am in default even though the debt/mortgage is not and has never been in my name. 

My credit rating has been severely and negatively impacted as a result of LoanCare 's falsification, which is a very serious matter. My credit rating was previously Very Good-Excellent before LoanCare 's false report. 

The service company name and address : LoanCare , LLC XXXX XXXX XXXX Virginia XXXX, VA XXXX XXXX : XXXX
Complaint sub-issue: Attempted to collect wrong amount

I have contacted XXXX  and XXXX  regarding collections against me from Jefferson capital system, they are trying to pass off old collections as new ones on my credit report. One of them is an old XXXX account thats over 7 years old and also a car loan they are not providing the correct amount and are trying to pass it off as a new debt of 2019 which is not accurate I have contacted both agencies and they are not correcting it. My car was bought back by the company and sold they have not included the amount they received from the car sale ... price lease help get the XXXX off my record since the XXXX account is so old it doesnt even show on my report they are trying to pass it off as new debt
Complaint sub-issue: Their investigation did not fix an error on your report

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 account has several errors. The payment history and date last activity are inaccurate as the references to late payment. I was never late in paying. Under the Fair Credit Reporting Act, Im going to have to request proof of last payment and payment history. You are reporting false information and I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update or correct the late payment from this account. 
XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have XXXX get back to me with regards to the issue. Here are the items that concern me : 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: Account status incorrect

I reviewed a copy of my credit file and found the following items reporting as a result of identity theft : XXXX XXXX XXXX - Bal : {$96.00} .. showing charged off XXXX - Bal : {$3500.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Bal : {$650.00} XXXX XXXX - XXXX XXXX Bal : {$790.00} Credit Coll XXXX XXXX  XXXX Bal : {$450.00} Please remove unauthorized inquiries : 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: Account information incorrect

The credit bureaus stated my account was properly investigated not once but three different times but how is this possible if there is inaccurate information across the bureaus, high balance reporting wrong, date opened wrong still showing credit limits on closed accounts, ect. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 Section 604 A section 2 states a consumer agency can not furnish a account without written instructions
Complaint sub-issue: Threatened to sue you for very old debt

They called saying I had a US Bank credit card that was charged off in 2015. They had some of my PII and were threatening court case. They wouldn't let me contact the owner of this said debt. I never received any communications from this and never saw this on my credit report in the last XXXX  years. Either this was a scam or was opened fraudulently in my name.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the fair Credit Report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Card XXXX Credit Card XXXX XXXX Credit Card XXXX XXXX XXXX Credit Card XXXX has violated my rights. 
XXXX XXXX XXXX 15 U.SC 1681 Section 602 A. States I have a right to privacy. 

15 U.S.C 1681c. ( A ) ( 1 ) States no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) States that a person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Problem during payment process

I have been to US Bank branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX paying one of my companies credit card at XX/XX/2018. At branch I hand my ID, company name and {$1200.00} to teller. Same afternoon I received phone call from US bank XXXX department to inform me there is still around {$100.00} balance I hadnt paid yet. At spet XXXX I went to other branch to pay the remaining balance. US bank told me the {$1200.00} not going to right account. And new balance is XXXX which I had to pay. After the branch contact XXXX department, they would told me the amount going to my other company credit card. All they can do is pay that one first which is XXXX something. The rest of money can go to right account. Since there is mistake made by us bank employees, why US bank charge me XXXX more term interest on my cc balance?
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX XXXX : {$160.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX : {$0.00} ; XXXX  XXXX Balance XXXX {$0.00}
Complaint sub-issue: Account status incorrect

CFPB : Reaching out because I noticed on my credit report that Ocwen Loans is reporting a 30 day late payment when that never occurred. The account number in dispute is XXXX. My name is XXXX XXXX and my social is XXXX. Can you please look into having this removed from my report. 

Thank you,
Complaint sub-issue: Information belongs to someone else

I HAVE NOTIFIED ALL THREE CREDIT BUREAUS ABOUT XXXX XXXX  XXXX XXXX BEING ON MY CREDIT REPORT. I XXXX XXXX XXXX DOES NOT NOR HAVE I EVER HAD A XXXX XXXX ACCOUNT
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX CT XXXX, FL XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Starting in XX/XX/2020 I'm tried to resolve this issue with Macy 's card and Macy 's XXXX card too. I told Macy that I have always been consistent with making my payments on time and I notice inaccurate charges between the two accounts. I received a letter dated XX/XX/2020 which I will upload which proves what I told them. The letter states " We completed our investigation regarding your claim of unauthorized use on the above referenced account. Based on our review, we have determined that you are responsible for the charges in question. On XX/XX/2020 I received another letter from Macy 's which stated " We have been unable to reach you by phone '' which is a Total LIE because I've never received a call at all. Then to make things worst Macy 's states " we discovered that your account has suspicious activity '' thing same thing I told them back in XX/XX/2020. I also received a letter dated XX/XX/2020 that stated " We are writing to inform you that we completed our investigation on your Macy 's XXXX XXXX Card account and as a result we removed the disputed charges and the fees. Since XXXX supposedly could not contact me and has admitted " suspicious activity '' as I first informed them from the beginning - XXXX has still refused to removed these accounts from my credit file. I remove immediately before I file a law suit.
Complaint sub-issue: Account status incorrect

This debt has been re-aged, which is a serious offense under FCRA 623. The original date of delinquency was in XXXX. However, not only is the original date of delinquency in a XX/XX/XXXX credit report showing a delinquency date of XX/XX/XXXX, the original date of delinquency was re-aged and updated to reflect XX/XX/XXXX. This has caused a serious strain on my credit, and all past disputes regarding this serious matter have not been taken seriously. I am one step away from now filing legal action for this offense unless this is immediately resolved. I am requesting that this entire tradeline be deleted from my XXXX credit report as it was illegally re-aged, thus holding down my XXXX score and incorrectly reflecting my creditworthiness and therefore hampering my efforts to receive credit.
Complaint sub-issue: Funds not received from closed account

I went today XXXX to close out the account with a branch manager and he couldnt close it and give me my funds of {$2700.00}. He called risk dept and advised me they will not release the funds so they can keep charging me overdraft fees so they can get more money out of me. So he advised to call and also advised me they will keep charging me overdraft fees till the XXXX to get money off me so it can pay their paychecks. I have also received a letter that my account will be closed because a check did not clear due to insufficient funds. 

I have posted a screenshot of my current account as well.
Complaint sub-issue: Problem with fees or penalties

I am missing money CD 's XXXX, XXXX, XXXX, total {$75000.00} then I am missing that check see attachment for {$50000.00} Citi Bank cashed my check XXXX. The Citi Bank has my money in they do not want to tell me. See attachment last bottom page What would be a fair resolution to this issue? Please get my money back
Complaint sub-issue: Reporting company used your report improperly

I did not consent to Authorize nor benefit from the following account ( s ). Block and Remove!
Complaint sub-issue: Problem during payment process

My US Bank XXXX rewards credit is scheduled to auto pay on the XXXX of every month. On the XXXX of this month, I made an early payment and not waited for the auto payment date knowing that this early payment will satisfy the automated one as I have done with my other credit cards. I checked my statement on the XXXX to double checked if my payment was accepted as this month 's payment. I printed my statement and on it stated that " THERE'S {$00.00} DUE ON THE XXXX. '' I SENT THEIR CUSTOMER SERVICE A TEXT ABOUT THIS EARLY PAYMENT SO THEY WON'T DEDUCT ANOTHER ONE ON THE XXXX. The same Company victimized my wife 's credit card account by double deducting payments under the similar early payment circumstances. That's the reason I sent them a text advise about my early payment to avoid the double payment incident happening to me. They didn't listen to it and deducted another payment today, the XXXX. We are retired and on a fixed monthly income and also physically handicapped to worked a few hours to cover for the {$47.00} the deducted illegally so we won't go HUNGRY FOR A FEW DAYS. The company should be stopped and fined for this ugly, false and misleading information and practice. I hoped I get a fast resolution. BY THE WAY, THIS ISN'T THE FIRST TIME WE'RE VICTIMIZED BY THIS UGLY BUSINESS PRACTICE.
Complaint sub-issue: Their investigation did not fix an error on your report

My identity has been compromised or stolen. I filed a police report and notified XXXX, Equifax and XXXX XXXX. I feel that they are not taking the matter very seriously at all.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The inquiry listed below is fraudulent and is being reported on my equifax credit report which is against the law. 


Fraudulent Inquiry Equifax XXXX XX/XX/2022
Complaint sub-issue: Trouble with how payments are being handled

I contacted Nelnet severs times to get my issue resolved. I no longer have an account with Nelnet due to my account being transferred to XXXX. I participated in a second chance six month program where they recouped over {$7000.00} of my income tax, and I paid 6 ontime payments. This program was to allow me a new loan with a different company which is XXXX and completely transfer the loan. I have no dealings with Nelnet nor have I had any action on that account since before 2013 and it should not be showing late payments at all.
Complaint sub-issue: Problem accessing account

On XX/XX/2020, via MOBILE Deposit, I scanned and deposited MY IRS TX REFUND CHECK into MY Discover account ending in XXXX. Two days later, my account was locked and I have been unable to access my account. Can not log in online, can not call in, as I get redirected to some RUDE people, who will NOT tell me anything. They continue to tell me that my account was closed on XX/XX/2020, and that I would receive information or any money in the account after 60 days ... .UMMMMM WHAT?! 

I never received a letter, a call, email, fax or any communication from Discover Bank, in reference to my deposit being held, my account being frozen or ANYTHING. When I call in, I am told that - you have to wait, and there is nothing I can do about it - - I have the recording ... .RUDE! 

Well - as of XX/XX/2020 - 60 days would have been XX/XX/2020 or so. So I called again, SAME THING ... .RUDE, no answers, telling me to basically kiss off my account and MY money ....!!!!

SOOOOOO Done ....

If they claim ( LIARS ) that they sent me something in postal mail, I want copies - again I want proof they sent me something ... 

Their actions are punitive, and I want my funds WIRED into another account I designate ... .IMMEDIATELY - I quite prepared to take this to court ... .My refund check was in excess of {$15000.00} - I also want all the interest they earned off MY MONEY - want all detailed accounting, showing what THEY earned from my money, and XXXX. Interest rate they will claim I earned. 

I consider what they are doing as misappropriation of funds, embezzlement and other major infractions. I want IMMEDIATE RELEASE of my money - wired - not by paper check - to an account I designate, within 3 days of receipt of this complaint. PERIOD..
Complaint sub-issue: Public record information inaccurate

Hello, There is a Bankruptcy on my credit report that isn't mine. I believe it's fraud. I've disputed this item multiple times and they haven't removed. Per the 609 section & regulation they need to send me a copy of my signature and the originial contract. I haven't received the person they talked to or anything. I need this removed asap. The case number is XXXX. This was filed with the XXXX XXXX of Bankruptcy. I wrote a letter to the court asking them to send me something in writing saying the did not report to the C/B, I have that as well.
Complaint sub-issue: Information belongs to someone else

I have the following inquiries on my credit report that doesnt belong to me. 

1. ) XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used 2. ) XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Department And Variety Stores - non specific 3. ) XXXX XX/XX/XXXX XX/XX/XXXX Sales Financing Company XXXX XXXX XXXX XXXX, FL XXXX BYMAILONLY
Complaint sub-issue: Account information incorrect

I opened a student loan in XXXX 2010 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay and they are saying that I am 180 days late for 5 months in a row and 150 days late 120 and 90 days late this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$50000.00}????
Complaint sub-issue: Information belongs to someone else

ftc violations reported to the federal trade commission XXXX  XXXX master card  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card XXXX XXXX XXXX  XXXX XXXX  XXXX  all inquires on the above XXXX XXXX
Complaint sub-issue: Account information incorrect

I contacted them on XXXX XXXX, 2022 and XXXX, 2022 to provide to me the proper and original documents that I am legally responsible for the amount that they are trying to collect from me. I advised them to get back to me within 30 days and if they dont to remove the accounts off my credit report immediately. I did not give anyone written consent to pull my credit and they have failed to provide the proper documents to me within the 30 day guideline. I have disputed this same concern with XXXX, Equifax and XXXX and all 3 credit reporting agencies have failed to provide me with the proper documents. 

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: Their investigation did not fix an error on your report

These Consumer Reporting Agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorization to share any of my personal information, including BANKRUPTCY to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my marriage, and paying higher interest rates for insurance, etc. According to the California District Bankruptcy Court XXXX XXXX XXXX - they do not report bankruptcies to any consumer reporting agencies and the information is only available in XXXXXXXX  So these unscrupulous consumer reporting agencies go digging for consumer 's private information just to sell for a profit off of our mis-fortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When I call to have something resolved they act like they can not verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE. 

XXXX report submitted by phone ref # XXXX XXXX : U.S. Bankruptcy Court, date filed XX/XX/2013, reference # XXXX Equifax : US BKPT CT CA XXXX XXXX, date filed XX/XX/2013, reference # XXXX XXXX : XXXX, date filed XX/XX/2013, reference # XXXX See attachment
Complaint sub-issue: Other problem getting your report or credit score

I really dont even know what to say at this point. I have filed so many complaints and called Equifax so many times and wrote so many letters and its been 8 months and still this issue has not been resolved. So now I am submitting this as a last ditch effort to resolve my issue before taking legal measures to resolve this ongoing problem