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

I have disputed the balance owed on a {$5000.00} student loan that I paid off in XX/XX/XXXX. I despite the amount owed on my credit report with all three credit bureaus and they all have not removed the debt from my score in which no changes where made. They initially two of the bureaus temporarily took it of my credit score that dropped my score by 4 points with giving me points credits for paying down my student loan balance. When I reported them to the XXXX they put it back on my credit report again not properly resolving, reporting, or giving me point credits for paying of my debt!!! I think the credit reporting agencies are purposely degraded my credit score by withholding payment information or miscalculating or reporting information!!!
Complaint sub-issue: Debt was paid

back XX/XX/2018 I paid off my XXXX, paid my FINAL bill, and closed my account all in the same day. I do not owe anything to XXXX XXXX XXXX. Looks as if thry did not close my account and still was charging me. I have caller numerous times and never got anything resolved. I have attached screenshots showing all payment and message stating my account has been closed.
Complaint sub-issue: Reporting company used your report improperly

I did not consent to or benefit from the following information : XXXX, Equifax, & XXXX listed on my consumer report, block or remove the following account REGIONSBANK XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results comeback as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also inaccurate.
Complaint sub-issue: Attempted to collect wrong amount

Hunter Warfield has falsely placed a derogatory on my credit report for an account I had already settled with them. After calling, they had agreed to file a request for deletion with the XXXX credit agencies, however they have not done so.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I went delinquent on a loan with lending club. I negotiated to pay the debt. Before I paid the debt : a representative from lending club told me that once I paid that debt, it would be considered paid in full and removed completely from all  credit report one p ayment was processed on their end. I have completed the payment, yet it is still report on my credit report as of yesterday [  XXXX / XXXX / XXXX  ] I request all trade lines be removed all credit reporting agencies Lending Club Loan # -  XXXX  Date of Birth -  XXXX / XXXX / XXXX  Social Security Number -  XXXX
Complaint sub-issue: Account information incorrect

During sometime around XX/XX/XXXX or XXXX XXXX 2016,  XXXX XXXX closed a checking account that I had with and did not explained why they closed the account I also had a credit card with XXXX XXXX. Once XXXX XXXX closed the account, I had somewhere around $ XXXX {$14000.00} in my checking account. I went to the bank because I needed to make a withdrawal and make a payment on my credit card account. I was informed that my account was closed. I then inquired as to why my account was closed and I ask " how do I withdraw my money from the bank ''. 

I insisted on make a payment, but was informed that they would not take a payment from me. I needed to make a withdrawal, but XXXX XXXX would not allow me to make a withdrawal or accept a payment from me. The teller at the bank told me that they would deduct what I owed on the credit card from my checking account and they mail me the difference. XXXX XXXX did not deduct the amount of the balance on the credit card from my checking account immediately. Instead, they deducted the money from my account much later than they indicated and did intentional financial harm. XXXX XXXX made the payment on the credit card late and it resulted in a 30 day late on my credit file. Eventually, XXXX XXXX did mail me the correct amount after making a payment on the credit card. The limit on the credit card was {$1000.00} and the balance at the time was no more than {$800.00}. 

Up until that time, I 've always made payment on time and I never had a late payment. My checking account always had a positive balance and I did not have returned checks due to insufficient funds. 

I have contacted XXXX XXXX and ask them to correct this error, but they have failed to assist me in correcting an error that they made. 

CFPB, Please help me to resolve this matter. This late payment has caused me much distress and hardship and is severely affecting me in consumer transactions. 

XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

My Name is XXXX XXXX, XXXX : XXXX was a fraudulent account and paid in full still shows in my credit report. 

XXXX XXXX XXXX : Nothing is due account was closed long back still shows negative in my credit report. 

Discover Credit  card was a fraudulent charges was paid and cleared up still shows up in credit report XXXX XXXX XXXX Never used never asked for credit card and they are charging me? 

XXXX card fully paid and current shows potentially negative and late payment? 

XXXX XXXX : is in good standing and never late still shows in my credit report. 

XXXX XXXX : Product was returned and confirmed with vendor servicing XXXX, however they are still charging me and sent for collection.
Complaint sub-issue: Their investigation did not fix an error on your report

After reviewing my consumer credit report I noticed several fraudulent accounts.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve. 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 is the list of the erroneous inquiry reporting on my Credit Report : XXXX Date of inquiry XX/XX/2020
Complaint sub-issue: Account information incorrect

I have three collection accounts reporting on my Equifax credit report that doesn't have the Collector or Original creditor named for me to contact. I wrote Equifax previously about this matter and they have kept these accounts on my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inquiries I didn't authorize, I put a fraud alert in my account months ago, the only valid ones are XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX, XXXX
Complaint sub-issue: Information belongs to someone else

Equifax has kept reporting inaccurate information on my credit report. I have informed equifax that the collection account reported to equifax by XXXX XXXX XXXX XXXX and XXXX XXXX company dont belong to me. Equifax has kept saying that they investigated the accounts and that these accounts belong to me which is not true. The information equifax is reporting on my report is inaccurate. The FCRA requires credit reporting agencies to report accurate information and to update reports within 30 days. Equifax has failed to follow this law.
Complaint sub-issue: Was not notified of investigation status or results

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the federal Trade Commission 's identity theft affidavit. Please delete these items as soon as possible thank you
Complaint sub-issue: Was not notified of investigation status or results

Equifax is reporting a collection/charge off on my credit report. I've sent them several letters asking who is the original creditor. I have not received anything telling me who is reporting this negative information. I'm not even sure this belongs to me because they will not send me information regarding this negative information.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX is telling Equifax the account was closed on XX/XX/XXXX but telling XXXX it was closed on XX/XX/XXXX. XXXX is reporting to Equifax that I made payment in XXXX, XXXX, and XXXX of 2020 and then says I was 60 days late in XXXX. 

How did XXXX close my account on 2 separate days? 
How can I make payment 3 straight months and then the following month be 60 days late?
Complaint sub-issue: Information belongs to someone else

Is it that har for the Credit Bureaus to do their investigation and verify the information the report on my Credit File? The Credit Bureaus had become negligent of their duty and kept ignoring the letters I have been sending to them. The most recent letter I send to the Credit Bureuas was lsat XX/XX/2022, was already my sixth attempt to reach out to the Credit Bureaus, emphasizing the importance of the FCRA section 605b ( c ) ( 1 ) ( c ) Athority to Decline and Rescind. Once again, I have been a victim of Identity Theft and the Items I am disputing does not relate to any transction that I have made or Authorized, therefore, the Credit Bureaus have no right to decline my requests for the removal of the disputed items from my Credit report. If the Credit reporting insist that the items belong to me, I will require all documentation that bears my signature to prove that the alleged items are mine. The Credit Bureaus became lazy and did not comply with the FCRA regulation, thus their action have done negative impact on my Credit report. I have been submitting complaints regarding this matter and I am disputing the fraudulent items once again : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX Owed : {$35000.00} XXXX  XXXX XXXX Balance XXXX : {$2600.00}
Complaint sub-issue: Reporting company used your report improperly

Update to previous complaint : Request for VALIDATION of debt NOT a VERIFICATION of debt.
Complaint sub-issue: Didn't receive notice of right to dispute

In early XXXX my XXXX XXXX XXXX was repossessed by VW credit and then sold at an auction. Under Georgia repossession laws VW credit was to have sent me a loan deficiency letter stating what the balance of my loan was. Being that I never received anything I assumed that the debt was satisfied. Now I am in the process of buying a house I see that VW credit is still attempting to collect the loan. Under GA law I should have been notified by VW credit in writing by certified mail any balances owed within 30 days being that they havent done that they can not legally collect on the debt. At the time of having that loan I was going through a very rough financial time and was unable to pay all of my bills my auto loan included. Now I am getting back on my feet and repairing my credit to get a house for my XXXX XXXX and our upcoming family and this debt is preventing that from happening. I am asking that VW credit do the right thing under the law and remove this debt. Please do not punish my growing family for my financial mistakes. 


XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX
Complaint sub-issue: Reporting company used your report improperly

In 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Attempted to collect wrong amount

I received a call back XX/XX/XXXX from EOS to collect for an old phone bill which owed {$1400.00}. I made a settlement of {$710.00}. The arrangement was as follows first payment of {$200.00} by XX/XX/XXXX, second payment by XX/XX/XXXX of {$250.00}, and third payment of {$250.00} on XX/XX/XXXX. The first payment supposedly didn't go through on XX/XX/XXXX and the collector called again the next day on XX/XX/XXXX to let me know payment didn't go through. I told the collector to please run the payment for the full original amount since I was not home and didn't have the settlement letter on me at the time. However, rather than setting up the payment for {$200.00}, he set it up for {$100.00}. I have finally completed all of my payments for the settlement and I am barely getting notice from the collector that I still owe {$100.00} due to an error on their end and that my account is not closed as agreed due to this error on their end. I spoke with the managment of the company and they are now refusing to settle the account the for the amount paid.
Complaint sub-issue: Didn't receive enough information to verify debt

When I was XXXX ( roughly XXXX years ago ) I opened a {$500.00} limit credit card with XXXX XXXX. I did not close out the account. The debt was sold to a debt acquisition company and sold again to a similar company ( Jefferson Capital Systems LLC ). This company waited until XXXX to enter the judgment against me and used " gutter service '' tactics so I had no idea I was being sued and I had no idea that court date was taking place and I was unable to represent myself. When the judgment was entered in XXXX of XXXX the debt had increased from the original {$500.00} amount credited to {$4500.00}. Jefferson Capital Systems LLC then waited until XXXX of XXXX to begin garnishing my wages. In the four years that passed ( XXXX ) the debt sky rocketed to an unrecognizable amount of {$10000.00}. Yes, a {$500.00} limit credit card turned into a {$10000.00} debt that continues to grow because it still collects interest. I am a single father that works 40+ hours a week and I am XXXX XXXX to try and move vertically in my company to create a better life for my child. I 've already paid over {$7000.00} via garnishment and I still have over {$6000.00} more to pay. This is obnoxious and unreasonable and unfair practices. I have been trying to defend myself but all my motions have been denied. My latest motion cited the federal trade commission to see copies of the original credit agreement and the documents I need to confirm the principal amount and confirm the debt amount was denied. Is there anything I can do to seek justice or will I continue to have the life sucked out of me for a debt that has been paid off 10 fold already?
Complaint sub-issue: Their investigation did not fix an error on your report

I have examined my finances and developed a careful budget that includes my payment with the creditors I asked for a loan. I want to maintain a good relationship and a good credit score that's why I keep track of my bills. But seeing this is unfair ... I am requesting that send me all the details that led to your investigation on the accounts and take any appropriate regulatory action. It is important that we put an end to these types of deceptive information.. Delete the late payments reporting on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Complaint sub-issue: Application denied

I am a federally protected consumer XXXX has committed a breach of fiduciary duty as they are trustees, They have failed to perform a promise in benefitting me the consumer in the way I see fit. My application authorized XXXX to access my consumer credit per them running my credit. This is an adverse action as I received NO BENEFIT which is a violation of the Truth In Lending Act. A consumer credit transaction happen when my credit was ran. I received ZERO BENEFIT therefore this is a violation of 15 USC 1602 ( p ) which is states ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. My credit being ran and me not receiving my credit extended back to me is proof of fraudulent activity i will try to settle outside of federal court but will sue for damages and remedy as i am a federally protected consumer
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

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: Funds not received from closed account

Ive already submitted multiple complaints about citi bank they are telling me in response no account with my name. Ive called for the last 4 weeks to get my funds sent to me. XXXX in my account and Ive got evicted from my apartment. Lost my car and job. Everytime I call them they Hangup on me and tell me I will get a check when they are done
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX I sent out a certified letter which was an inquiry letter about items being on my report that are not authorize. they sent me a letter stating that the items were factual and they remained on my report however Im a victim of Equifax breach as well as I sent in a FTC report regarding fraud gave them the report number as well they sent back me A generated letter saying that the items were factual. if Im a victim of Equifax breach an my information is linked as well as Im sending you a report of Unauthorized inquiries on my account and unathurized use of items on my credit how is it factual. Theyve done this to me several times in attempt to removing these inquiries off my account and the items I listed in the attachment. Perfect example XX/XX/XXXX I disputed items once again the same items Ive been disputing in on XX/XX/XXXX that Dispute was completed the same day and I called about XXXX so how are you looking into the matter if it takes you less than three hours to complete an investigation then send me a report two days later XX/XX/XXXX that the investigation is complete.This shows me that Equifax is failing to be concerned with my credit report as I am and continue to issue generated responses to this serious matter that I believe is very serious on my report. I have fraud alert and security freezes with all 3 credit reporting agencies after this breach with Equifax and the glitch with XXXX  Another issue is XXXX  shows they sent them documentation of removal of late payments due to hurricane Irma from XX/XX/XXXX through XX/XX/XXXX the items were removed from all three agencies. A few day after Equifax XXXX   and XXXX re-inserted the items again ( without a 5day notice ) now this has been a problem because Im unable to Receive much-needed credit and high interested rates and denied credit do to these bad inaccuracies they are costing me more money by the day and are hindering me the letter the company sent them is also insert it in the attachments.
Complaint sub-issue: Reporting company used your report improperly

Some or all of my personal data may have been leaked with the Equifax hack. I found out about the hack through the new and went to the website Equifax set up that checks to see if my data was stolen. I received the following message : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' My information may now be public, leaving me vulnerable to identity theft.
Complaint sub-issue: Other problem

Citi refuses to help me via chat, and their phone " help '' is incompetent. I've wasted many hours trying to get this figured out and nobody will help me. Their so-called customer " service '' is pathetic. 

There is a discrepancy between chat Citi says was charged / refunded, and what XXXX claims was charged / refunded. I need to know who's telling the truth and proof of it, and where's my money. 

My credit card XXXX ( card since cancelled ) shows these XXXX charges : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Note that there are TEN charges of XXXX, plus XXXX in interest. Total XXXX. ( I don't know why XXXX made XXXX charges of XXXX and XXXX, or XXXX and XXXX. But they add up to XXXX. And the charge of XXXX is actually XXXX charges of XXXX, plus XXXX interest. ) My credit card statement also shows these credits : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( later charged back on my XXXX statement on XX/XX/XXXX, so I'm not including it in the math ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Note that there are XXXX refunds of XXXX ( I'm putting the XXXX and XXXX together ), plus interest of XXXX, that was refunded. Total XXXX. 

So I paid XXXX a total of XXXX, less XXXX, or XXXX. Which is XXXX * XXXX. 

However, XXXX claims that they refunded XXXX charges of XXXX, below : This is the MasterCard reference for the refund of {$1.00} Recon ID # XXXX This is the MasterCard reference for the refund of {$38.00} Recon ID # XXXX This is the MasterCard reference for the refund of {$39.00} Recon ID # XXXX This is the XXXX reference for the refund of {$39.00} Recon ID # XXXX This is the MasterCard reference for the refund of {$39.00} Recon ID # XXXX This is the MasterCard reference for the refund XXXX {$39.00} Recon ID # XXXX Please tell me whether these XXXX refunds, above, were actually made - were there FOUR refunds of XXXX or FIVE? And if there were XXXX, why do my credit card statements only show four refunds? And where is my missing XXXX?