Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

I have disputed with this company on various occasions starting back since XXXX of XXXX. The company has received my disputes in XXXX, XXXX, XXXX, and in XXXX. Each response comes back with it being verified by a third party such as XXXX XXXX or the courts. When i send in supporting documents from both third parties stating there is no record of said bankruptcy they still tell me it's verified. It is now yeXXXX and i've yet to get a satisfactory/ accurate reporting, which has been hurting my credit status for years upon years. The last time i disputed in XXXX i did not get a response and the FCRA gives the company 30 days to respond. i have not gotten a response.
Complaint sub-issue: Their investigation did not fix an error on your report

After reviewing my XXXX  Credit Report my account status displays as closed with an error in number sequencing with late payments the account is satisfied the company stated once paid the tradeline will be removed the update status is XX/XX/2020, according to the FDRA the tradeline is compromising my payment history is reporting illegally compromising my credit score affecting my creditworthiness which interferes with obtaining and establishing ongoing credit.
Complaint sub-issue: Reporting company used your report improperly

i have send dispute letter to Equifax on the account that are reporting incorrect information after 30 days no response so the account i would like to be removed and delete.
Complaint sub-issue: Received bad information about my loan

I have been on the income-based repayment plan for a few years. I called FedLoan Servicing at XX/XX/XXXX about re-applying to the plan and was informed that I did n't have to turn in the application until XX/XX/XXXX. I mailed my application on XX/XX/XXXX and received a letter on XX/XX/XXXX that I had been dropped from the plan, that my interest had capitalized ( over {$12000.00} ), and that my monthly payment had increased by over three times. I called to speak to someone and was told they were sorry but there was nothing they could do about it.
Complaint sub-issue: Problem making or receiving payments

SINCE YESTERDAY XX/XX/XXXX I AM TRYING TO TRANSFER MONEY TO MY ORIGIN COUNTRY ( XXXX ). I ENTER ALL DATA TO SEND USD XXXX TO MY COMPANY IN XXXX BUT CITIBANK ASK ME TO MAKE A PHONE CALL FOR SECURITY REASON ( DESPITE ) I HAVE ENTER ALL SECURITY PASSWORDS AND QUESTIONS. 
IS NOT THE FIRST TIME I HAVE PROBLEMS WITH THIS BANK. 
ITS SO MEDIOCRE. I M GETTING OUT OF THAT BANK BUT I NEED TO MAKE THE TRANSFER. ITS SO FRSUTRATING TO HAVING YOUR MONEY WHEN YOU NEED TO.
Complaint sub-issue: Investigation took more than 30 days

My situation begin when I tried to refinance my car and was told that the company could not view my Equifax credit score. 

After trying to view my credit report on my.equifax.com, an error message came on my computer screen. I called Equifax to see what I needed to do to access my report. They told me to fax or mail a cover letter, a copy of my driver 's license and my social security card. I faxed the information on XXXX XXXX, 2022. I called in approximately a week later to see if the had received the information because I needed to make changes to my report in order to access it online. The representative then asked me for some additional personal information which he accepted and made the updates need in order for me to logon to my account at my.equifax.com. When I finally gained access, I received the following error : Please give us a call and give this code to the Agent : BLNK Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX ( XXXX ). 
Our call center hours are : XXXX XXXX XXXX XXXX XXXX ( ET ), Monday through Friday, and XXXX XXXX to XXXX XXXX ( ET ) Saturday and Sunday. 

I then called the number and was told that I had to submit the same information that I had already faxed because they did not receive it. I could not understand how they could make the changes to my address and phone number that I had requested in order to gain access to the online account without the supporting documents. I mailed the information to them on XXXX XXXX, 2022. I call to check each day to see if they received the fax or mail, but it has yet to be processed. I also have faxed it again today, XXXX XXXX, 2022. 

I received a hard copy of the report along with my credit score in the mail. I am in the process of trying to purchase a house, and I was told that this issue would not have any bearing on a company who is trying to view my score. I have found that this is not correct. No one can view my Equifax credit report.
Complaint sub-issue: Account information incorrect

account was paid and still shows a charge off status please invesigate and remove from my credit report
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX XXXX XXXX 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: Their investigation did not fix an error on your report

This is XXXX XXXX, and I appreciate you taking the time to repair and update some account from my credit report ; however, there is still account that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is fixed. 
XXXX XXXX XXXX : {$1300.00}
Complaint sub-issue: Received bad information about your loan

I consolidated my student loans in XX/XX/XXXX with the US Department of Education. On XX/XX/XXXX, I received an account statement indicating that my first payment was due on XX/XX/XXXX. On XX/XX/XXXX, I received a billing statement from XXXX XXXX my servicing company, indicating my first payment of {$190.00} was due on XX/XX/XXXX. On XX/XX/XXXX, I made my first payment to XXXX XXXX of {$190.00} and established an EFT draft to save on interest. As a result of this EFT draft, I paid the following amounts to XXXX XXXX for my student loans : XX/XX/XXXX : {$310.00} XX/XX/XXXX : {$310.00} XX/XX/XXXX : {$200.00} XX/XX/XXXX : {$110.00} After submission of my Employment Certification Form, I received an updated number of qualifying payments which led to a call to my current servicing company, Fed Loan Servicing. On XX/XX/XXXX, I was notified that my account was in forbearance from XX/XX/XXXX until XX/XX/XXXX. Upon their suggestion, I uploaded the statements received which don't indicate forbearance. I have called several times for an update on the status of the payments. In XX/XX/XXXX, I submitted my application for forgiveness but was denied because records indicate I have only made 117 qualifying payments. I was told that submitting my application would fast track my review as it had already been approximately six months with no clarity. In XX/XX/XXXX, I have called to check the status of said payments and they are still under review. I have contacted Federal Student Aid, and Dept. of Ed with no success.
Complaint sub-issue: Fee problem

I opened a Citi checking account about 8 years ago. It was free as long as I did 2 online transactions a month. So I did direct deposit and an auto draft free for my health insurance. 

Along the way Citi started fees. now, they want {$25.00} a month AND gave me no options - like to convert to a fee free checking account. I am XXXX with XXXX XXXX and XXXX failure. I can not afford a $ 25 monthly new fee. 

I asked them to refund the fee and try to find me an alternative checking account to avoid the fee via chat on XX/XX/2020. They declined my request to refund the fee and gave me no options for another account.
Complaint sub-issue: No notice of investigation status/result

Disputed with this credit bureau concerning XXXX XXXX and sent in backup that this debt was in dispute before this was placed on my credit report and was being collected by XXXX different collection agencies. I asked for the backup to how they verified this amount and they did not send me any information just left the insertion on my credit report
Complaint sub-issue: Information is missing that should be on the report

Equifax lowered my FICO score in behind of a us department of education but us department of education hasnt gave any information in 4 months so how is it possible its lowering my score but not adding my up to date payments Equifax is mishandling my credit Information and my credit score and has no right to lower my score for no reason
Complaint sub-issue: Their investigation did not fix an error on your report

I have previously submitted a complaint regarding this matter unfortunately I wasn't able to follow up on it on time. 

Both Equifax and XXXX have been reporting inaccurate information on my report.. 
The are listing an Account with XXXX XXXX and a second one with XXXX as being good standing and pay as agreed when it's not the case. 
The account with XXXX is not mine and was fraudulently opened. I have contacted XXXX probably 10-15 both personally and via regulating agency without any success. 
The Account with XXXX XXXX is legitimately mine ; however they never reply or acknowledge any request to help assist how the fraudulent charges were committed in order to assist me with filing a police report. 
I have contacted both reporting agency multiple without any success, Both agency are claiming that I am paying on those account which is also false. The last time I make any charges on payment on the XXXX XXXX Account was probably in XXXX or XXXX. and the Account with XXXX is not mine. 

I spent hours initiating dispute with Equifax online only to find out at the end that this service is currently unavailable and I always end up sending everything by certified mail. I am requesting that both agency investigate this matter seriously and remove the incorrect info from my record. 

Also there are numerous discrepancy with my Mortgage payment history since XX/XX/XXXX, always payed my Mortgage ahead of schedule I have also provided both agency with a payment history regarding this matter.
Complaint sub-issue: Public record information inaccurate

I 've submitted more than a few request for deletions by phone and by mail for all three of the credit bureau, XXXX, Equifax & XXXX. Effective XX/XX/XXXX law went into effect regarding the removal of public records and tax liens from credit reports, that if an item is on your credit report if must reflect Name, Address, Social Security Number/and /or birthdate this was issued from XXXX XXXX XXXX XXXX XXXX XXXX which became law. None of these  credit bureau have that information which has been made law and the records should be deleted from my credit file. 
In the same request I 've asked the three above listed credit bureau to provide me with a copy of the application or any verification that has listed negative information on my credit reports, specifically inquires made on ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX ' & XX/XX/XXXX. ( Equifax ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX.
To date I have not received this information and again they are  stating they will not provide any verifications. There is also negative information reporting from a XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXX account ending in XXXX, I have ask for verification paperwork to be sent to me and requested that it be deleted, the credit bureaus have refused and is not in compliance with the RECORD KEEPING REQUIRMENTS, Section 609. The 15 U.S. COde 1681g-Disclosure to consumers requires CRA 's to disclose the sources of  information regarding the negative events that are being reported by your agency upon request by the consumer. The credit bureau are regulated by the government due to the nature of their business. 
I am asking that all the above injurious items be deleted from my credit report from all three of the credit bureaus XXXX, XXXX & Equifax. 

" Great minds discuss ideas ; Average minds discuss events ; Small minds discuss people '' ~selah~
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I made a purchase at Macy 's in XXXX, ID for {$230.00} in XX/XX/2021. I paid with my Macy 's card and immediately paid the balance on the card with my debit card. I returned the items a short time later on and the cashier credited my Macy'a account. I don't use my Ma Macy 's card very often, so I asked the cashier how I could receive my money back. The cashier told me that I would receive a check in the mail in a few months from Macy 's for the amount of the credit if I had not used it. I waited several months and never received a check. I called Macy 's in XXXX of XXXX  to ask about the refund check. The woman on the phone looked at the account and said she saw the error and and offered to file a dispute. About 6 weeks later I received a check in the mail and assumed it was resolved. A couple of months later, I received a bill from Macy 's that showed me owing the amount of the refund check they issued. I was confused to say the least. I called Macy 's and the woman on the phone said she would file a dispute and that i should disregard the bill. The next month, I received another bill and disregarded it because that is what the woman said. The next month, I got another bill. I called again and i was told that Macy 's had credited my account even before they sent me the check. At this point, I told them I did not see that credit. They told me what days to look for the credit and I did, and did see the credit. At this point, I moved and did not receive mail for a few months. The next time I got a bill from Macy 's. it was for the initial amount PLUS fees and interest. That seemed ridiculous since this all started with THEIR mistake of issuing two refunds and then telling me to disregard bills and then trying to charge me for the time lapsed while they tried to figure it out. I have been trying to get this resolved ever since and e very month the bills just add more interest and fees. Macy 's makes the dispute process incredibly difficult on purpose and I have spent HOURS trying to negotiate with zero success. The debt has now been sent to a collections agency who says that I would need to fax them a dispute. I do not own a fax machine. I work full time PLS manage a XXXX acre farm alone.. I've wasted multiple lunch hours on this. I took today off of work to resolve this and feel incredibly frustrated. Every time i'm off work and try to call, they are closed. Whenever I call, I am speaking to an XXXX person who I have a very hard time understanding. Please help.
Complaint sub-issue: Reporting company used your report improperly

This is to inform you that I XXXX XXXX am submitting this complaint and report of ID theft on my own behalf there is no third party involved in this complaint. The following was not submitted in error. Pursuant 15 U.S. Code 1681c ( 2 ) ( a ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of. Included you will find FTC identity theft report, Identity theft Affidavit, Police Report, copy of ID, Utility Bill and Social Security Card. I ask that you comply with Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries, and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), and mail me a new credit report to my address of record below and place EXTENDED FRAUD ALERTS on my credit report if you have not done so already.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX my Credit Karma spend account was locked. The amount is showing as - {$20.00} dollars. The money had been pulled back from my externally linked bank account but before I could resolve the issue, my account was temporarily locked. Despite 6 attempts to get customer service to look into the issue nothing has been resolved. I have my tax return being deposited and I was told that if the account is not unlocked before then it wil get rejected and sent back. I would like a solution ASAP! I have looked into this to see if others have had this same issue with Credit Karma and it seems many others are in the same position with some being unable to access their money spend accounts for MONTHS for " fraud prevention ''. I DO NOT HAVE MONTHS TO SIT AROUND AND WAIT. I want my account unlocked NOW!!!! The people in the customer service do not care nor will they respond to my emails. I have verified my identity, I have done everything!!! Please help me unlock my account. I desperately need into this account. I have already sent the documents into an encrypted link, and the following case numbers XXXX & XXXX as well!!!! Ive submitted proof multiple times and Ive also already given them an explanation on the XXXX filed on XX/XX/22!! I have already submitted other identifying documents on XX/XX/22 to case number XXXX & XXXX. I also submitted a copy of my utility bill and my Social Security card as well. The reason for the XXXX return on my account was because my bank account did not have sufficient funds available, so it rejected the funds, however I do now have sufficient funds so I can deposit the money as soon as my account is unlocked! i also sent the right account statement, the account number is in the top right corner!!! they stated that the external bank account linked was incorrect but I have proof on my statement of the money coming out of that bank account number they are just trying to avoid me and avoid unlocking my account.
Complaint sub-issue: Account status incorrect

This report stated that the PNC account is 30-59 days past due and that is incorrect
Complaint sub-issue: Public record information inaccurate

On XX/XX/2019 I received a notice from XXXX stating LexisNexis confirmed a chapter XXXX bankruptcy listed on my XXXX  credit report in my public records. I call LexisNexis on XX/XX/2019 to inquire about the erroneous bankruptcy information. I was not given any answers as to why this bankruptcy was being published on my report. 
I reminded the LexisNexis customer rep that I had previously disputed this bankruptcy in the past on XX/XX/19. I also received a written statement from LexisNexis stating the they have remove/deleted the XXXX XXXX bankruptcy from my report. They also provided me with an updated copy of my LexisNexis report showing the deletes.
Complaint sub-issue: Was not notified of investigation status or results

Disputed accounts on my report and all three reporting agencies came back as verified. Sent a letter for Method of Verification to all three reporting all three received the letter XXXX/XXXX/XXXX. As of today XXXX/XXXX/XXXX I have not heard nothing back from none of the credit agencies about my request. I have contacted XXXX rentals asking for a signed copy of the contract to no avail. They are reporting these accounts and the credit reporting agencies are reporting these accounts that are not mine. No one can show me a signed contract. The credit reporting agencies had 15 days to show me how they verified these accounts and is well passed that time limit. Equifax is reporting a account from a collection agency that I originally disputed with all three agencies, XXXX and XXXX removed these accounts but Equifax is still reporting this. Contacted the collection agency and they stated the no longer hold rights to account. But, Equifax is still reporting.
Complaint sub-issue: Don't agree with the fees charged

I XXXX XXXX entered into a consumer credit transaction with the U.S. Department of Education on or about XXXX of 2015, and not with Great Lakes who is an uninterested third party. This consumer credit transaction included a finance charge, pursuant to 15 USC 1605. A finance charge is the sum ( total ) of all charges in a credit transaction. Pursuant to 15 USC 6802 U.S. Department of Education never disclosed to me that I had the option to opt out of being reported in which is a violation of 15 USC 1681. I do not owe this debt, I am a consumer who is not obligated to pay this pursuant to 15 USC 1692a ( 4 ) and 15 USC 1692a ( 5 ). The U.S. Department of Education & Great Lakes are debt collectors pursuant to 15 USC 1692a ( 6 ), they have used instrumentality of interstate commerce and mails in the business principal purpose of which is the collection of debts.
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX XXXX XX/XX/2021 XXXX5 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit that was not made to the obligor or, if made, was not in the amount reflected on such a statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Complaint sub-issue: Attempted to collect wrong amount

they say that i owe a cell phone bill from att and the last time i had att account was 2006 i called att and they cant find account that belongs to me and this company insists on collecting this debt and also reporting on credit file as a new debt .. thank you
Complaint sub-issue: Problem with customer service

According to all the information online, I qualify for my XXXX loan to be discharged or forgiven. However my loan servicer great lakes has denied me twice for loan forgiveness. Stating that I dont qualify even though I attended during the years that the Biden administration has expanded. Most recently I submitted a loan forgiveness two months ago and I have not heard back from them once on an approval or denial. And its nowhere on my forms that its been processed. I dont know what to do and they keep adding thousands in interest despite loans being frozen for Covid-19.
Complaint sub-issue: Reporting company used your report improperly

My federally protected Consumer rights were violated because Equifax furnished false information without my written consent. I never gave Equifax any written instructions to furnish anything on my Consumer 's report. No consent is Identity Theft and infringement on my Consumer 's right to privacy. Based off Equifax violating my consumer rights I am unable to apply for any Consumer credit for my personal as well as my business. These violations are hindering me from purchasing a mortgage and vehicle for my family. Furthermore, I have been humiliated as well as dealing with XXXX  and stress because of these results.