Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: You never received your bill or did not know a payment was due

On XX/XX/2017 Discover had to have some mix up with their billing dept because they reported a late payment on my account of {$5.00} ... I informed them that statements were n't coming in the mail nor was a courtesy call placed that the {$5.00} would be reported late if payment was n't made.
Complaint sub-issue: Attempted to collect wrong amount

FMA Alliance attempting to collect more money than creditor issued to this debt collector. FMA refused to provide information on the alleged debt.

Creditor also contacted FMA and FMA refused to discuss to creditor.

Additionally FMA managers were verbally abusive to parent of minor that debt was supposedly issued against.
Complaint sub-issue: Information belongs to someone else

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX - balance is showing as {$1400.00}, dates open XX/XX/XXXX closed XX/XX/XXXX. 

XXXX XXXX ( aka XXXX XXXX ) - balance is showing as {$480.00}, Closed XX/XX/XXXX, opened XX/XX/XXXX XXXX
Complaint sub-issue: Didn't receive advertised or promotional terms

I have an XXXX  XXXX AAdvantage Platinum Selected card that I opened 4 years ago. One of the " benefits '' is a {$120.00} XXXX XXXX XXXX Discount after spend {$20000.00} or more in purchases during a year. Although I have spend that amount I have never received the discounts. I have contacted Citi Bank on XX/XX/19 5 times and any of the customer services agents that I talked with have not been able to help me. Although they have confirmed that I have spend the $ XXXX they put me on hold to transfer the calls but the calls never go through. 

I think this is a deceptive tactic from Citi to do not honor this benefit.
Complaint sub-issue: Indicated you were committing crime by not paying debt

The past few months I have been trying to apply for new credit cards as well as a car loan, I have also had some accounts closed for no reason at all... When I went on my credit report to see what was going on I saw that this company AFNI , Inc has reported on my credit that my account with them has been open since XX/XX/XXXX basically it appears on my credit that I RECENTLY opened this account, and defaulted on it in 4 months which is totally false... not only is it completely false but also a huge red flag to all lenders hence the reason nobody is extending credit to me and a few of my accounts were closed due to this... I have worked tirelessly on rebuilding my credit just for it to be snatched away from me... 

The Original Creditor of this account is XXXX XXXX XXXX. This account was opened in XXXX NOT XXXX and I had the account open for about a year before I fell on hard times and defaulted on it. This error has resulted in significant financial loss for me Tip : I have actually made a dispute on the CFPB Website towards XXXX XXXX ( which is the original creditor ) a few years ago. You can clearly see the date on that dispute is far before XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Account status incorrect

I thought I had paid off the balance of a credit card, before closing an unused PO Box , but apparently a small balance was left. ( I have yet to receive a statement ) I was not aware of this balance until a potential employer asked me about an account " charge-off '' and ultimately turned me down for employment because of it. 

I attempted to contact the creditor by phone, but could not get calls returned. Finally, in XX/XX/2020, I was able to make a trip out to the HQ office, but was told I could not see anyone about it, that I had to go to a 'branch '. I did. They called HQ and got instructions for payment. I made the payment in the office through an automated teller. There was much confusion about how to pay a 'closed account ' but the representative assured me he would follow up with HQ and said that the credit reporting service should update my account to paid rather than " charge-off ''. Since the end of XXXX, I have filed disputes with credit bureaus who are still reporting the chargeoff. Each time, the dispute comes back with no change to the 'chargeoff '' status. 

Can you please help getting this lender to correctly report that I PAID the account when I became aware of it. 

Thank you.
Complaint sub-issue: Account status 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 accounts reporting on my Credit Report : XXXX XXXXBalance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/2016
Complaint sub-issue: Other problem getting your report or credit score

Equifax cant find or locate my credit file. I know that Im putting my information in correctly but still not has been done about it.
Complaint sub-issue: Information belongs to someone else

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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correctedXX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX
Complaint sub-issue: Personal information

While reviewing my XXXX and XXXX credit report, I noticed an unauthorized and fraudulent inquiries initiated by CREDCO on XXXX/XXXX/2016. I did not authorize any employee of CREDCO to review my records for any purpose at any time. This is as a direct result of ID THEFT. I personally contacted CREDCO to delete this adverse information and requested for any verifiable signed documents by me, to date CREDCO has failed to provide me any signed documents within 5 business days nor did they delete this information from my report.. As a direct result, I have continued to suffer discrimination and irreparable economic loss of denial of meaningful employment. housing discrimination and denial of credits due laegely to gross negligence of the CREDCO employees acts and omission.
Complaint sub-issue: Personal information incorrect

Lexis Nexis and other entities they are connected with is in correct my information has been compromised over the years with company like the credit bureaus the 2017 XXXX breach. I am/was out on the dark web and now when I am ask qualifying question they say this information is wrong when I know for a fact when I am getting verified the info they have does not match and then I am declined of I have to jump through some other hoops i need some one to call me to correct my file you guys are so untouchable this needs to get fixed immediately
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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 XX/XX/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: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many ACCOUNTS which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any ACCOUNTS which are found to be opened due to identity theft. The dispute ACCOUNTS do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account XXXX XXXX, XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Complaint sub-issue: Debt was paid

Back in XXXX, I purchased a couch set from Macy 's financed through their in-house financing for 0 % APR ( if paid for within a year ). Following the plan, I paid it off in a year but then they moved their financing to an out-of-house financier. When that move occurred, I theorize that my information was not properly transferred because in XXXX I started to get collection agencies calling me and my credit report showed that I owed more than {$1300.00}. I did not have the paperwork at the time so I paid a creditor, who was supposedly working directly for Macy 's, over {$1300.00} under a payment plan. The collection agency agreed to have this removed. For a time it appeared that it did get removed, but it would occasionally show up a creditor would call me about it, it would show up on my credit report, I would challenge it and it would appear to be removed again. This has happened almost yearly, if not more. Now I am trying for a mortgage loan and it is once again appearing. My creditor provided me with this and am now trying to once and for-all get this removed.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Didn't receive notice of right to dispute

I was contacted by the company regarding a debt. I told the company that the debt is not mine. I was told basically that it is mine and I need to pay now. I was not told that I can dispute within a specific timeframe or any information except to pay or else.
Complaint sub-issue: Received bad information about my loan

ECMC IS WRONGFULLY REPORTING MY STUDENT LOANS ON MY CREDIT REPORT AND IS REFUSING TO CORRECT THE NEGATIVE STATUS. THESE ARE PAID IN FULL IN GOOD STANDING LOANS BUT REPORTING AS NEGATIVE AND MULTIPLE TIMES HURTING MY CREDIT IN A MAJOR WAY. MY NUMEROUS ATTEMPTS TO CONTACT ECMC WENT INGNORED AND THEY ARE CONTINUING TO WRONGFULLY AND NEGATIVELY REPORT THESE ACCOUNTS! 



1 ) ECMC Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/2016 Date Opened : N/A Balance : {$0.00} Past Due : {$0.00} 2 ) ECMC Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/2016 Date Opened : N/A Balance : {$0.00} Past Due : {$0.00} 3 ) ECMC Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/2016 Date Opened : N/A Balance : {$0.00} Past Due : {$0.00} 4 ) ECMC Acct # : XXXX Credit Limit : XXXX XXXX XXXX/XXXX/2016 Date Opened : N/A Balance : {$0.00} Past Due : {$0.00}
Complaint sub-issue: Information is not mine

Address information - Current is XXXX XXXX XXXX, XXXX XXXX XXXX. 
My informaiton has been mixed with my brother 's information. The following information needs be removed and placed under SSN XXXX instead : Personal Information - XXXX XXXX XXXX,, XXXX XXXX XXXXAccount information-XXXXAccount # XXXX XXXXAccount # XXXXAccount # XXXX XXXX XXXX XXXX XXXXAccount # XXXXAccount # XXXXAccount # XXXXAccount # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -Additinally the following info is also inaccurate : Former Address2 - XXXX XXXX, XXXX, XXXX belong to XXXX XXXX XXXX ( USPS ' mistake for not able to tell the difference between " XXXX '' and " XXXX '' ) Former Address3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX belong to XXXX XXXX XXXX ( my brother )
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXXBalance {$0.00}
Complaint sub-issue: Funds not handled or disbursed as instructed

In XX/XX/2021 and since then, I deposited {$110000.00} to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX  3 days ago, we got an email that they are going out of business and do not allow any withdrawals. This essentially means I am loosing all the money I invested. This is truly a fraudulent schema.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act 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 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

I had this account removed earlier this year due to fraud. I checked my credit report today and saw the XXXX XXXX on my Credit report. I never did this transaction and would like for this to be removed immediately.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have a fraudulent inquiry on my report from XXXX XXXX. Each bureau was sent a deletion letter on XX/XX/XXXX from XXXX, who had already identified it as fraudulent. 

To this date, the inquiry remains on my report and it is affecting my ability to refinance my house. 

I have tried disputing the information with XXXX but they don't have a mechanism to do this online or over the phone, and won't provide any information. 

My XXXX online account has been compromised - despite having a secure password, the email address was somehow changed on my account without my knowledge, and any username/password requests go to a different email and there is no mechanism to disable the account or create a new one. And there is no way to talk to a customer service human on the phone. 

Equifax does not allow you to upload any supporting documentation for an inquiry, so they immediately close a dispute without any resolution despite receiving a deletion letter.
Complaint sub-issue: Account status incorrect

I would like ALL dispute comments removed from my credit report.
Complaint sub-issue: Company closed your account

First Progress Credit Card Account was paid and closed. Still reports on credit report. 
Date closed XX/XX/2022 Amount paid of {$400.00} on XX/XX/2022 Refunded of {$290.00}, XX/XX/2022 XXXX
Complaint sub-issue: Trouble with how payments are being handled

I had submitted a payoff request for one student loan that was granted that request and I received a letter stating that my loan was paid in full XXXX of XX/XX/2021. After this letter I had an additional loan taken out and that loan had merge or included the now paid loan balance in the total amount borrowed. So rather than having an entirely new loan with a principal balance of {$3800.00}, Fedloan merged the previous paid off loan and a new loan to create a loan with a original balance of {$7400.00}. I have sought to go through their email service and they declined to acknowledge that the loans were merged and claimed that each disbursement was separate and nothing has been merged.
Complaint sub-issue: Don't agree with the fees charged

I had attended XXXX college ; through XXXX. XXXX closedIn the summer of XXXX by giving me false information that I need to take out a loan for the school so I did that with sallie mae. my student loan was for XXXX and now all the way up to XXXX during the fall of XXXX and was I was supposed to graduate from XXXX University I had suffer a almost life ending injury in which I was not able to return to school. Because of my injury, sallie mae in which I try to explain my situation took it as we graduating from XXXX even though I was trying to explain I couldnt go back to finish my degree because ( Im at XXXX XXXX ) my degree wouldnt let me finish because of my injury. So one I believe I had to take a loan out for no reason because XXXX had lied to me and to sallie mae charge me almost XXXX grand and its only been four years going on five with the loan being taken out and Ive actually only graduated two years ago because I had to wait a whole year to go back to school so Im trying to see what my options are here and if I can get help
Complaint sub-issue: Reporting company used your report improperly

XXXX accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are not willing to take a settlement offer from me either due to medical issues with me and i am not working at the current moment due to COVID. I received my stimulus check  and wanted to settle the account for the entire {$1200.00} and my current balance is {$2500.00}. The rep told me that they would rather send my account for write off instead of a settlement. That is going to hurt me financially and I've tried to work with them for 6 months now and they are not willing to work with me. I don't know what else to do so i am finally coming to you guys for some guidance please.
Complaint sub-issue: Account information incorrect

Hi Im really taken back from by how they are reporting this XXXX card on my credit report they said the did an investigation but if they are following reporting laws they would see they cant report an account late after its closed. And that what they did I have the proof what do they offer me for further damaging my credit.
Complaint sub-issue: Investigation took more than 30 days

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE IS AN ACCOUNT THAT SHOWS LATE PAYMENT HISTORY WHICH IS IN ERROR. 
I HAVE SENT DISPUTE LETTERS ON XXXX20, XXXX20, XXXX20, AND XXXX20, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED FOUR 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.

ALSO, THERE IS AN ACCOUNT REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD  BE AMENDED TO SHOW, NEVER LATE.
Complaint sub-issue: Attempted to collect wrong amount

disputed XX/XX/22, XX/XX/22 Debt open date is incorrect. Debt has been bought by several different companies.