Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

In XXXX, XXXX and XXXX, I applied for the forbearance on my consolidated loans with XXXX XXXX. I had a total of XXXX missed payments ( XXXX missed on XXXX loans ). Once my I was approved for forbearance, my late payments with XXXX XXXX were retroactively brought to " current/on-time '' payment status. I requested that they remove the incorrect payment status with the credit bureau, as I am currently in good standing. 

I called XXXX XXXX on the following dates to get this matter resolved : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I sent emails to the CEOs of XXXX, Equifax and XXXX  on XX/XX/XXXX to get these incorrect reports removed. 
On XX/XX/XXXX, XXXX updated my credit report with the correct information and removed the late payments. 
On XX/XX/XXXX, a man from XXXX called me. We then called XXXX XXXX on a three-way conference call to verify the information I was disputing was correct, but the representative refused to acknowledge. She did ; however, verify that my account was in " current/on-time '' status. 
As of today, XX/XX/XXXX, I have not heard back from Equifax on this matter.
Complaint sub-issue: Problem with direct deposit

I had a transaction go into my account for my sons IRS tax return and XX/XX/XXXX. Nothing happened to the account and we were able to access my sons funds. 1 week later both my son and my stimulus checks were deposited into that same account. This flagged my account and there was a restriction put on the account. I contacted the company and was told to simply send in a copy of my sons state issued I.D and the block would be removed in 2 days. After waiting the 2 days I contacted them back for information on the restriction and was told that they have never received my info even though we have confirmation that it was successfully submitted. A day later I called again and a rep advised that the ID was received and reviewed and my funds would be released no later than today. I asked about the direct deposit of my employer and if that would then effect the account negatively and was told no it would not. I called this morning and was told that my issue was being escalated for the removal of the block on the card and that if funds were still blocked after an hour to call back. Still no removal of the block after waiting 5 hours. I called back and talked to another supervisor who explained that now a new flag was on the account because my direct deposit from my pay has now been placed on the account. It has been 8 days and I have not been able to access any of my money. I am in a situation that me and my family could be homeless if we do not get access to our money because I have to move out in a few days. We have no food and our water is now shut off because we cant access verifiable funds in my account. I have spent countless hours speaking to the reps for this company and none of them have been capable to help me. I have been hung up on several times, promises have been made and not followed up on, and escalations that were never handled. In the last 8 days now going on 9 I have talked to more than 15 reps that all are telling me to do different things and will not help me. No one is noting the account appropriately and taking initiative to resolve the problem and I was told that there is no one to call in their fraud department. They have no workflow in place to talk to someone handling fraud issues. They cant email, phone or message a higher department for issues like mine. When handling ones money there should always be someone to talk to at all times, and I was not given that option as they don't have a department that is in place to resolve my matter. I have never been so disrupted and depleted from a company that would handle customers this way or their money.
Complaint sub-issue: You never received your bill or did not know a payment was due

I was upset once I reviewed my XXXX XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 30 days past due XXXX2016 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Complaint sub-issue: Personal information incorrect

Incorrect reporting of my name and address on my credit profile. I have sent dispute letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking for Equifax to remove all the incorrect information per 30 to 45 days guide per FCRA. I am force to submit an complaint and it's causing me to not getting approved for loans and employment to this information being reported incorrectly. 

Incorrect Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX I asked them to remove all inquiries because I didn't apply to any of these companies. 
- XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, MN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX
Complaint sub-issue: Information belongs to someone else

I appreciate your quick response and your decision to eliminate some of the fraudulent accounts listed on my credit file ; nevertheless, I continue to see other erroneous accounts shown on my credit file. I am sending you this CFPB complaint today to ask you to remove the XXXX  entries you have shown on my credit file once more. I sincerely appreciate the time and work you took to remove some of the things I asked you to remove. However, I discovered when I looked at my updated credit report that some of the things I had previously asked to be removed were still being recorded. On XX/XX/2022, I sent you a dispute letter asking you to reexamine my credit file and have the disputed entries erased as soon as possible. Please erase the following entries from my credit file once more : 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 {$0.00}. These erroneous accounts are undoubtedly not mine, and the inquiries regarding me are unfamiliar. Please promptly erase the remaining XXXX  items from my credit file in accordance with Fair Credit Reporting Act section 605b. A violation of a consumer 's rights protected by the Fair Credit Reporting Act is continuous reporting of the disputed accounts.
Complaint sub-issue: Their investigation did not fix an error on your report

Beginning in XX/XX/XXXX I began disputing incorrect information contained in my personal consumer credit report and after several investigations the errors still exist on my credit report. There are numerous errors on my credit report regarding old accounts that have had multiple dates changed and re-aged in order for the accounts to maintain on my consumer credit report. 

Although many accounts have been re-aged to stay on my credit reports an account that was reported by XXXX XXXX/XXXX that was opened on XXXX XXXX and officially closed on XX/XX/XXXX has not been re-aged or has any of the dates changed but the account remains on my credit report being reported by Equifax even though the account was closed over 11 years ago. 

Several accounts have had multiple payment dates and closed dates changed in order for the accounts to stay on my credit report. The accounts that have been re-aged to continue to exist on my consumer credit reports include the account being reported by XXXX was opened on XX/XX/XXXX ; this account was closed on XX/XX/XXXX but the account has been re-aged and is being reported as being closed on XX/XX/XXXX. The account being reported by XXXX was opened on XX/XX/XXXX ; this account was closed in XX/XX/XXXX, but the account has been re-aged and is being reported as being closed on XX/XX/XXXX. The account being reported by XXXX XXXX was opened on XX/XX/XXXX ; this account was closed in XX/XX/XXXX, but the account has been re-aged and is being reported as being closed on XXXX XXXX. The account being reported by XXXX/ XXXX was opened on XX/XX/XXXX ; this account was closed in XX/XX/XXXX, but the account has been re-aged and is being reported as being closed on XX/XX/XXXX. 

I believe these accounts have been adversely affecting my credit for over 11 years and my attempts to resolve the issues by filing multiple disputes have not corrected the numerous errors that continue to exist in my consumer credit reports.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The item I am disputing do not relate to any transactions that I made or authorized. Please remove or correct this information at the earliest possible time. 
I dispute the XXXX Account # XXXX, Opened XX/XX/XXXX because that item was opened by someone who stole my identity and it is inaccurate. As required by section 611 of the Fair Credit Reporting Act, a copy of which is enclosed, I am requesting that item be removed immediately to correct the information. 
I previously disputed this item with all three major credit bureaus and that account was DELETED from my XXXX  credit report in XX/XX/XXXX ( enclosed ). XXXX  advised me that they informed XXXX of that fraudulent account, however the XXXX Account # XXXX still shows on my XXXX file. 
Finally, I resorted to file a complaint with the Consumer Federal Credit Bureau because I believe that both the retail store bank and the credit reporting agency have violated my consumer credit reporting rights. 
Please investigate and correct the disputed item as soon as possible.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Complaint sub-issue: Charged too much interest

On XX/XX/XXXX the XXXX percent intererst expired on my one of my balances. My balance was {$1100.00}. On XX/XX/XXXX, I paid {$1100.00}. Citi credited the payment to a different balance, under the same account, that has a 0.99 %. The XXXX percent interest that expired on XX/XX/XXXX was raised to 16.74 %. I agree, I would owe this interest rate from XX/XX/XXXX to XX/XX/XXXX, 8 days. Instead, Citi continues to allocate close to 100 % of all my payments to the balance on the 0.99 % balance. 

When I called Citi, the representative assured me the payments are allocated to the highest interest rate balance. For three months running, this is not true. 

From XX/XX/XXXX - XX/XX/XXXX, I have paid {$1500.00} to this credit card account. The balance on the high interest portion has been reduced from {$110000.00} to {$1000.00}. Citi has only applied {$63.00} to the high interest balance. On the high interest balance, I have been charged {$36.00} interest.
Complaint sub-issue: Was not notified of investigation status or results

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. 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. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX  XXXX
Complaint sub-issue: Debt is not mine

c/card charge off date XXXX/XXXX/2004 this is beyond Oregon State Statute of Limitations to collect the debt was mine, but now beyond collection effort limitations
Complaint sub-issue: Problem with fees charged

Please know this is a formal complaint. I am writing you because of my sheer disgust in how I am being cheated by XXXX  XXXX. It is my hope that someone here in the US can get this matter under control now. When I purchased the car In XX/XX/XXXX I was supposed to begin payments in XX/XX/XXXX, statements attached. However, I started to pay in XX/XX/XXXX. My payments are due on the XXXX of each month and late payment charges are which are only about XXXX are not to begin until the XXXX day after the due date. I have paid more than the amount I was supposed to pay each month but, yet I keep getting charged a XXXX late fee. I dont owe a late fee and the late charges are not XXXX per month. I need someone to straighten this out before I make another payment. I called to complain over and over finally, a XXXX in your escalation department somehow got the late chare taken off for XXXX only to be placed on my account for the XX/XX/XXXX due date. This is ridiculous. Also, I dont know what country your representatives are in, but I can tell you they are liars and they are rude. Again, with the escalation department I spoke to a woman who said her name was XXXX on XX/XX/XXXX, she just kept repeating that I owe a XXXX late charge and I kept telling her I did not. When I asked to speak to someone in the US she told me that the US office did not have the power she had, but that she would put me through to the US office. She placed me on hold and never came back. I am not paying a XXXX late charge I dont owe. Before I report this to the XXXX, please have this straightened out and the funds I have paid to your company appropriately placed to my account.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX is reporting a collection in my name that isn't mine to both XXXX  and XXXX. I have a common name and it seems someone with the same name has a defaulted account that is showing up on my credit report in error. I demand this gets removed right away. I have never defaulted on any accounts. I am trying to refinance my house and my credit scores are 100 points less than they should be due to this reporting issue. I have attached my identity documents to prove that this was never my account as well as my credit report profile data. All my previous addresses are valid for me. Over the past 12 years, I have never received mail at any other addresses.
Complaint sub-issue: Reporting company used your report improperly

A third party consumer reporting company has been collecting my personal information without my knowledge, and authorization, and distributing this to businesses, marketing companies, and the three credit bureaus. Also they have distributed inaccurate information about me to all three credit bureaus, and refuse to remove the information. I have contacted them directly, as well as the three credit bureaus to get this inaccurate and third party information removed from my credit reports that I do not recognize - two alleged bankruptcies.
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/XXXX, I received a notice stating that my Income-Based Repayment ( IBR ) plan was approved for {$300.00}. This is over a {$50.00} increase from last year. The year before ( 2016 ),  my payments increased by about {$100.00}. I am making a complaint because last year a XXXX representative told me that my IBR was calculated using my gross income instead of my adjusted gross income. When I called today, the representative ( XXXX ) gave me a formula that was used to calculate my IBR payment. I asked him to e-mail the formula to me ( I wanted to do the calculation myself and could n't remember all parts of the formula ) but instead he e-mailed me information about PSLF. I think XXXX is miscalculating IBR payments, and I do n't think they 're being consistent in providing information on how IBR payments are being made.
Complaint sub-issue: Old information reappears or never goes away

I am filing this complaint to request the removal of a negative account that XXXX XXXX is reporting on my XXXX, Equifax, and XXXX credit report. The account number reported on my credit report is XXXX. I called XXXX XXXX on XX/XX/XXXX, to discuss this account. I was told by the customer service representative that I could settle the account for {$200.00}. I asked him if the account would then be reflected as paid, and all negative entries would be removed from my credit report. He said not unless I paid the balance in full. I told him it was critically important that all negative information be removed from my credit report, and I agreed to pay the full balance of {$400.00}. I have attached a copy of the receipt from my bank to this letter. It has now been over one year since my payment, and XXXX XXXX is still reporting negative information on my credit report. This account was first reported to the credit bureau on XX/XX/XXXX. I have sent letters to XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and received no response or resolution. I am requesting that XXXX XXXX delete this account from my XXXX, Equifax, and XXXX credit reports immediately.
Complaint sub-issue: Other problem getting your report or credit score

Please note I after applying for a line of credit I was denied because of fraud alert thats not supposed to be on my equifax file in fact still is. After speaking with agent for XXXX min confirmed there was a fraud alert indeed still on my profile. I since file a federal complaint with my states attorneys office this is unacceptable. I also payed for equifax monitoring subscription. And was blocke out of that as well. I received a code stating that to contact them. With a the code XXXX. If my credit report is not restored immediately I have been advised to take legal action for defamation and violations under the fair credit act
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I am XXXX and can not call. I was overcharged ( double charged ) {$11.00} by XXXX on X/X/17 at XXXX when I purchased minutes online for my cell phone. XXXX charged me twice for a single purchase. I contacted XXXX via their chat option on their website. I was told that they can not reverse the charge online and that I would have to call to get the charge reversed. The nice lady at the XXXX XXXX  tried to make the call for me but XXXX just kept adding 30 minutes wait time to speak to anyone and she did not have time to keep holding. Because I am XXXX and do not have XXXX XXXX nor a land line I could not call Direct Express to get them to reverse the charge so I wrote a letter as their web home page says you can do. I enclosed a copy of my printout of the chat conversation with the XXXX people as well as a printout of my Direct Express account that shows the double charge. I included all of the information the website says they will need to resolve the matter. I sent the letter and proof of the double charge to Direct Express on XX/XX/XXXX and again at the end of XXXX. The charge has not been reversed and I have not heard anything from Direct Express about the matter. Please help me get my money back. It is not much but when you live on XXXX and have to choose between food and medicine each month, {$11.00} makes a big difference. I am attaching proof to this complaint.
Complaint sub-issue: Debt is not mine

In late 2011 I had to move my family out of an apartment at XXXX XXXX XXXX XXXX XXXX due my wife and newborn baby becoming very ill as a direct result of the apartment we were living in having black mold. The apartment manager agreed to allow us to move out due to the circumstances. Since that time the management company of the apartments, XXXX XXXX XXXX XXXX XXXX XXXX has placed a collection balance with a collection agency that in-turn has placed a derogatory collection entry on my credit report with all three credit reporting agencies. The apartments and management company furnished me with a letter on XXXX/XXXX/11 ( letter attached ) advising that the collection item would be deleted from my credit report because they agreed the amount was not owed based on circumstances. Although I have communicated numerous times with the collection agency they continue to attempt to collect the debt and refuse to delete the derogatory collection item that was placed on my credit report with all three credit reporting agencies. To date I have not received any letter from the collection agency providing me with an opportunity to dispute the validity of the debt.
Complaint sub-issue: Information belongs to someone else

On or about XX/XX/2018, Equifax has a fraud alert displaying on my fico report. Today is XX/XX/2018 and my credit scores have not changed a single point. I keep track of my credit scores on a daily basis using XXXX. Is there an issue or an alert fraud freeze on my file? If there is, I did not requested this not called it in.