Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Frequent or repeated calls

In XXXX of XXXX we moved out of our apartment. Our leasing office sent us a bill showing we owed money and would not be receiving a refund on our move-in deposit due to damaged carpet that was brand new when we moved in XXXX of XXXX. I asked the leasing office to please provide proof that the carpet was brand new as it did not appear brand new when we moved in and the carpet damage shown was not created by us. ( In an area that had never had spills/cleanings/etc. ) The leasing office sent us an invoice from the flooring company dated XXXX - 2 years before we moved in. I said we will not be paying for the damages until you provide proof that there were no tenants before us during those 2 years as the damage was not done by us. They failed to provide proof - and did not contact us further. They ended up sending our bill to collections where we received multiple calls a week regarding this. I know I can dispute so I filed a dispute with the collector and said we will not be paying until proof is given to us like we asked for. On XX/XX/XXXX The collections agency sent us our final account statement with the apartments and our lease agreement. I responded that this is not what I requested. They didnt reply for 2 weeks even though I have emailed them 2 times for an update on XX/XX/XXXX and on XX/XX/XXXX. They called XX/XX/XXXX and the lady was extremely rude and would not let me speak- said they wouldnt be providing proof and I needed to pay. I informed I know my rights regarding collection disputes and the proof needs to be provided- she cut me off saying they know the laws. I informed I work for a bank and know the laws as well. She cut me off and said it doesnt matter where I work I need to pay what I owe. I told her I would be following up with the CFPB and disconnected. They call me and my husband multiple times a week while we are working despite even though Ive tried communicating over email and they dont reply over email.
Complaint sub-issue: Other problem getting your report or credit score

A mortgage lender attempted to pull credit file from Equifax but unable to do so. I called Equifax and there seems to be no issue ( no freeze, etc. ). The lender is still unable to pull credit file from Equifax.
Complaint sub-issue: Account status incorrect

Over the years XXXX XXXX  would remove and then replace back on my credit file. This causes my fico score to go down. I am never given my fico points back. They also dont show correct balance. I always dispute with Equifax and company but they just shift the blame leaving me to suffer the damage of a bad credit score. It has happened again today XX/XX/2020. I put another dispute in today.
Complaint sub-issue: Debt is not yours

This company reported on my personal credit file and this is NOT mine. I called them and they advised me they can not give me any information. THEN WHY are they reporting it on my personal credit file. This is crazy
Complaint sub-issue: Information belongs to someone else

EQUIFAX REMOVED A FRAUDULENT ACCOUNT I DISPUTED OFF MY CREDIT REPORT AND THEN THEY PLACED IT BACK ON MY CREDIT REPORT A MONTH AFTER.
Complaint sub-issue: Frequent or repeated calls

I get calls in the early morning and after XXXX pm from multiple different number from all over the country
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed multiple times incorrect/fraudulent information that has appeared on my XXXX  /Equifax credit report. I have ask to provide documentation of the alleged debt which has not been provided to me. I hired a credit repair service to help obtain information that at the point was still not provided. I have four accounts on my credit report that I have been opening up disputes and requesting that those items be removed from my credit report. To this day nothing has been updated nor have I received documents of the alleged debt.
Complaint sub-issue: Their investigation did not fix an error on your report

Both Equifax and XXXX  are reporting an account on my credit incorrectly. I have contacted the company from which I had the account ( XXXX XXXX XXXX Credit Card ) to have it corrected. The company sent me all of the documentation from my account. I disputed the reported information with both agencies twice in writing via certified mail by submitting the documentation from the creditor to have it fixed. All disputes were closed without the correct information added to my report. Both agencies actually did change the information making it worse and are now reporting it in a manner that is hurting my credit score even more. I am trying to purchase a home and this is hurting my score which could impede my ability to buy or cost me more money on my loan.
Complaint sub-issue: Debt was paid

On XX/XX/2019 I contacted Macys debt collection held by Citi Bank. A payment was issued through my online bank the same day to pay the account in full. XX/XX/XXXX Citi Bank stamped the check and deposited the payment into their account. Payment was not applied to my account. 


Since, I have contacted the company 5 times. Each occasion the company has refused to give me the account number, as well as not permit me to speak to a supervisor. 

On XX/XX/XXXX, I was told to fax the proof of payment to Macy 's payment investigation. The representative XXXX told me to call back in 48 hours to discuss the proof of payment and the investigation. This morning I called ( XX/XX/XXXX ) and was told it can take up to 45 days for them to review and investigate the payment. I again was told a supervisor was not available and to call back. 

It is odd to me that a company would deposit any funds received without applying to an account.
Complaint sub-issue: Information belongs to someone else

I have disputed the collection accounts with Equifax for several attempts, to no avail XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX They did not give me evidence or verification as to why they will not remove the accounts. The error has affected my credit score tremendously.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon review of my credit report, I found a number of items that are inaccurate or questionable. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Inquiries : XXXX XXXX  ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( should only be listed 1 time ) ; Dept of Ed Dept of Ed Incorrect Address ( never lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX Incorrect Name : XXXX  XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I think the payments started XXXX 2018. The amount was around {$1200.00}. I am currently set up on a payment plan repay the debt. I have inquired about a settlement to so that i can be relieved of the debt, but one is not being offered.
Complaint sub-issue: Account status incorrect

this two 1.Account Number XXXX Account Type Installment Loan this account 2.Account Number XXXXAccount Type Credit Card Terms Revolving with XXXX XXXX XXXX was paid and Closed as of XXXX/XXXX/XXXX both account 's
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX, I took a loan from XXXX XXXX , XXXX . Sadly, I was not able to keep up with payments on that loan. I was current on the loan for XX/XX/XXXX - XX/XX/XXXX. I never made a payment again. I never communicated with the company or made any alternate payment arrangements. 

In XX/XX/XXXX - XX/XX/XXXX, XXXX reported my account as current. I believe XXXX did this to extend the time period in which the account will appear on my credit report. Now, the account will continue on my record until XX/XX/XXXX. Also, I believe they incorrectly reported this to extend the statute of limitations on the collection of this debt. 

I disputed this information with them and with XXXX and equifax. XXXX confirmed their information to the bureaus. My credit reports have not been updated.
Complaint sub-issue: Trouble with how payments are handled

I mailed a post dated check, they held it for a couple of days but still cashed it four days early ; my banking organization honored the check early also.
Complaint sub-issue: Problem during payment process

I authorized a payment of {$600.00} on XX/XX/XXXX which was processed. Today I logged on to my account to see that this company illegally took another payment of {$600.00} without authorization. They stated it was autopay ... .however, they set my autopay and it was at {$51.00} ... ..not {$600.00} and was set to be withrawn on XX/XX/XXXX as I had already made XXXX 's payment on XX/XX/XXXX. They double dipped and now I am stuck with an overdrawn account racking up fees, returned check fees, etc. They had no authority to take another {$600.00} payment. I spoke to the company today and was told a refund would be given in 5 to 7 business days and I would receive an email confirmation. I have yet to get confirmation. Not to mention I have a personal loan with this company too with an autopay payment scheduled for XX/XX/XXXX and now due to their mistake, my account will not have the funds to cover. I want my XXXX refunded IMMEDIATELY, and all fees incurred due to their mistake refunded as well as any fees or negative impact reversed on the loan with them that I will not have the funds to pay until my refund is received. They had no right to double dip on a payment.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, Equifax, XXXX  and XXXX  XXXX XXXX. I spoke to XXXX XXXX XXXX XX/XX/2020 and I was told by an agent at XXXX XXXX XXXX that my loan forbearance was mis-calcuated on their behalf which caused the account to become delinquent. I was in forbearance at the time the late payment was reported. the agent admitted to it being an error on their behalf but stated she coulndt correct it, and that I would have to dispute it with XXXX, Equifax and XXXX  to have the late payments removed. I have disputed with XXXX, XXXX  and Equifax and they never investigated my dispute request. I am highly upset because it is affecting my credit worthiness and I have been denied a home. I am asking that they remove the late payments from both /accounts / They are also showing many other inaccuracies in their reporting. the open date shows 2 different dates and the date of last activity shows 3 different dates which are XX/XX/2020, XX/XX/2020 and XX/XX/2020. How can they have verified this account when its still reporting many inaccuracies. please remove this accounts from my credit report. I also saw a new article during this pandemic were this servicer reporting consumers late payments while in deferment, which cinsumers were told they wouldn't be reported late. The article stated that we could dispute with the bureaus to get late payments fixed.
Complaint sub-issue: Didn't receive terms that were advertised

I opened an account with CITIBANK online by following the links of an advertised {$400.00} promotional bonus for opening the account and retaining a balance of {$15000.00} for 60 days-90 days. The opening deposit was made on XX/XX/18 in the amount of {$15000.00}. 

I have not received the promotional offer as of XX/XX/18. I have made multiple calls and online chats to no avail. I first contacted customer support around XX/XX/18 and was told to call their new account service line XXXX and basically ask them. When I spoke to the representative I was advised the promotional offer would be reflected on XX/XX/18. 

As of XX/XX/18 I did not receive the promotional bonus. I contacted customer support again via chat on XX/XX/18 and was then told that the promotional code was not reflected at the time of opening the account and that it needs to be " ENROLLED ''. I brought it to their attention that I followed the links on their website ( I am not sure how this got lost in translation or why it would be difficult to verify and apply ). At this time the representative filed a case ( # XXXX ). 

I called the new accounts service line XXXX on XX/XX/18 to get a status and I was told the case review process would take up to 90 days so I requested to be transferred to a supervisor who advised the case review process does not take more than 10 days and that I should see the promotional bonus reflected on XX/XX/18, he also advised that he had placed an " expedited '' request. 

On XX/XX/18 I contacted customer service via Chat and was then told the case remained open and there was nothing that can be done and to call the new accounts service line during the business week. 

I called on XX/XX/18 and was AGAIN told the promo code was not enrolled ( again I followed the links on their own website for this ) and was abruptly transferred to a " personal banker '' who tells me that the case has not been review and it is not guaranteed that I will receive the bonus offer. 

Needless to say this has been a very unpleasant experience ( It feels like shenanigans to not pay in hopes of making eligible new account customers close accounts and leave or extent and drag the timing of such payment as far as possible ). 

Citibank has not honored the promotional offer and is acting in bad faith.
Complaint sub-issue: Debt was paid

I have a letter from XXXX XX/XX/XXXX where they write : - The debt was paid in full. 
- We will not sell your accounts to a debt buyer or to any other company. 
However, they sold the account to Palisades Collection LLC due to the so-called pressure beforeand abusive, I paid {$7500.00} from XXXX until I found the letter from XXXX and still they sent me a letter that I owe them {$4100.00} account number XXXX I called themand I told they want a letter from XXXX so that they return themoney that I paid them for fear of damaging my credit. XXXX says that since they bought XXXX  XXXX they have no information, I have been demanding the return of the money paid unfairly for years.
Complaint sub-issue: Information belongs to someone else

XX/XX/2021 Certified Letter Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Certified Affidavit Proof of Identity Theft and Documents My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail Equifax, XXXX, and XXXX on XXXX separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts, FCRA 605B, 615 ( f ), and 623 ( a ) ( 6
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

-XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXI- XX/XX/XXXX -XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX & XX/XX/XXXX XXXXXXXX XXXX XXXX- XX/XX/XXXX -XXXX XXXX XXXX- XX/XX/XXXX -XXXX- XX/XX/XXXX -XXXX- XXXX XXXX -XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXXXXXX XXXX
Complaint sub-issue: Termination fees or other problem when ending the lease early

I had a lease with auto trakk llc and my car got totaled out. Auto trakk llc told my insurance that i owed a balance of XXXX dollars and some change, but on my credit report it was reporting something different, even the lease supposed to be for 48 months but it was reported 56 Months this has been reporting like this since i had the car.
Complaint sub-issue: Information belongs to someone else

Someone applied for a credit card from XXXX today and it showed up on my equifax as a hard inquiry.It was not me
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX 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 an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I spoke with a representative by the name of XXXX whom was a supervisor in the fraud department. I informed XXXX I had been a recent victim of identity theft and that I was checking the status of a particular account that was in dispute. The account in question was listed as XXXX XXXX. I advised XXXX that this information was inaccurate, and that I was told XXXX XXXX is no longer in business. I asked XXXX how could this information have been verified as of XX/XX/XXXX if XXXX XXXX no longer owned the debt. XXXX went on to explain that the account was verified due to a statement containing my name and address. This is totally unacceptable an not 100 % accuracy for validation.
Complaint sub-issue: Information belongs to someone else

I have contacted XXXX, Equifax, XXXX numerous times in regards to my personal credit report concerning inaccurate reporting. Unauthorized inquires, I have a fraud alert on my credit report though XXXX still allow my credit to be checked, also wrong addresses, phone numbers, and place of employment.
Complaint sub-issue: Reporting company used your report improperly

I Have a Right to Privacy and to know what's being reported to the CONSUMER REPORTING Agency. 15 U.S.C. 1681a. It states a CONSUMER reporting agency can not furnish an account without my written instructions. I have not given any written consent to put anything on my CONSUMER report the law also states that the information got to be 100 percent accurate. XXXX XXXX # XXXX, are violating my rights I have asked them to stop showing my transaction history and my payment history a credit report is a CONSUMER REPORT and base on the law 15 U.S. Code 1681a ( 2 ) ( i ) a CONSUMER REPORT DO NOT INCLUED transaction history which is credit utilization and experiences which is payment history between the consumer and the creditor. By reporting this information you have made this account and my CONSUMER REPORT INACCURATE because you know this already your in violation of 15 U.S. Code 1611 ( 1 ) you are giving ON PURPOSE FALSE and INACCURATE information. The reporting of such inaccurate information has caused severe damages to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately. YOU ARE HEREBY PUT ON NOTICE that you are furnishing inaccurate information. After this letter if you do not remove my transaction history and payment history like I have ask and written today you will be receiving a subpoena to court for all the violations and damages you have caused by not following the law 15 U.S.C 1681 ( s ) ( 2 ) ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate unknown things and late payments on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Complaint sub-issue: Information is not mine

i am a victim of identity theft and while I was incarcerated, someone stole my personal information and identity and applied and opened up unauthorized and fraudulent accounts in my name. The following accounts listed on my Equifax credit report is unauthorized and fraudulent : 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 # XXXX, # XXXX, # XXXX, # XXXX, # XXXX & # XXXX, XXXX # XXXX & # XXXX
Complaint sub-issue: Personal information incorrect

To whom this may concern, I have tried multiple times to fix the inaccurate personal information that's on my credit report and this bureau refuses to remove the inaccurate. I have attached proof of address and name with my drivers license and home of record. This has not changed. I will attach dispute paper with accounts that are reporting inaccurately.
Complaint sub-issue: Debt is not yours

we do not have an account with XX/XX/XXXX and XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

Hello Yes Im having trouble with the XXXX major credit bureaus. you guys are not conducting reasonable investigations on Fraud Accounts. 
XXXX XXXX XXXX XXXX XXXXXXXX Does not belong to me.