Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I'm sending you this CFPB complaint right now to ask you to quickly delete the disputed bogus accounts and information from my credit file. Numerous illegal inquiries as well as some inaccurate account and information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC using File Numbers # XXXX and # XXXX. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Here is a list of accounts you ought to have deleted long ago : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. You have been saying that these accounts are mine, but you haven't sent me the proof you need to back up your assertions. The contested accounts should have been immediately deleted if these papers hadn't been provided.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing a 30 day late payment that occurred on my Discover account in XX/XX/2018. Discover has refused to do an investigation into the matter so I escalated the issue to their corporate office of Customer Advocacy and to the CEO 's office but nothing has been done. 

After reviewing my account with Discover multiple reasons why the late payment occurred : The minimum payment had increased around XXXX/XX/XX/2018, but the auto pay did not make this adjustment. 
I submitted the payment on time, via a phone payment on or around XX/XX/2018 but it bounced on XX/XX/2018, then Discover represented the phone payment XX/XX/2018 and was returned XX/XX/2018 because the Discover Financial Services representative took down my incorrect bank account number to process the payment that bounced. 

XXXX XXXX acknowledged to me that the payment kept bouncing because Discover had the incorrect bank information to process the payment that kept bouncing. Discover Financial Services representative made a mistake that caused my account to have a 30 day late payment. 


Discover Financial Services is violating my rights under the Fair Credit Reporting Act Section 623 ( a ) ( 3 ). Discover Financial Services never added the required sentence on my credit report stating, " Customer has disputed the validity of this account '' within the required 30 days of the disputed item. 

Discover Financial Services is also violating my rights under the Fair Credit Reporting Act Section 623 ( a ) ( 2 ) ( B ). Discover is not allowed to report inaccurate or incomplete information. 

The month in question of the 30 day late payment I had over {$7000.00} in my bank account and could of easily made the minimum payment or paid off the whole account in that statement period. 

I qualify for this removal of the late payment because I have never missed a payment before the incident or after the incident and there was negligence on Discover. Discover is reporting inaccurate, incomplete, and not verifiable information to the Credit Bureaus ( XXXX, XXXX, XXXX, etc ).
Complaint sub-issue: Information belongs to someone else

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening. Hoping that you could help me out. 

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

These accounts are fraudulent and need to be removed from my credit report immediately. I am a victim of identity theft and did not make these charges whatsoever. I also included the FTC affidavits. The alleged accounts are listed in the affidavit. Please remove this accounts as soon as possible as they are causing me substantial harm as a consumer. This is not a third party, I XXXX XXXX am making this complaint.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX This account was settled and paid on XX/XX/2021 however they are still reporting the balance of {$74000.00} on my credit report. It has been more than 60 days now. The balance needs to report as XXXX or have the account deleted immediately.
Complaint sub-issue: Information belongs to someone else

This company is incorrectly reporting a collection account in the amount of {$510.00} on my credit report. I have no knowledge of this account, have never had a late payment in my life. I contacted Puget Sound Collections to try to rectify this situation as it has dropped my XXXX+ credit score by 75 points! I was treated very rudely, and told they do n't have the phone number for the original creditor and all she can do is mark their file ( not my credit report ) as a verbal dispute. I finally researched this so called " original creditor '' and found a phone number myself. I contacted XXXX XXXX, whom Puget Sound Collections claims is the original creditor, and I spoke directly with the owner of the business. She stated that her company does not even use a collection agency. I did have her search her records for me, which she assured me she has no record of. To be honest, I would like to think I would notice if one of our two cars was towed, but they are both still here ... in my driveway ... where they belong ... because they WERE N'T towed! I informed XXXX XXXX, a manager a Puget Sound,  but she also did not wish to provide any assistance. I have since filed a complaint with the credit bureau directly, but this company needs to have their collections practices reviewed and revised accordingly. It is absolutely unacceptable that I, a consumer with perfect credit history, should be treated with such disrespect and disdain by a company that has zero legal standing. I am appalled and disgusted and I intend to do everything in my power to force this company to abide by the FDCPA and follow legal collection practices, which do NOT include berating a consumer who has no business with them.
Complaint sub-issue: Account information incorrect

Fed Loan Servicing and all three credit bureaus : XXXX, XXXX and XXXX are reporting multiple late payments on my credit reports during the months XXXX and XXXX of 2017. All of my fed loans have been In Forebearance since XXXX of 2017 and no payments have been required ; therefore, it is impossible for me to have been late during those months. Despite my contacting Fed Loan Servicing and all three credit bureaus on multiple occasions since XXXX of this year this erroneous reporting remains on my credit reports and is negatively affecting my payment history and credit worthiness.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XX/XX/2019 I was setting up my online password for my new Citibank credit card and having problems. I called Citibank to get help and it auto tells you your card balance. I got off the phone and had to call back about 15 minutes later. The automated balance info was over {$3000.00} higher over that span of time. 

I alerted them that something had happened within 15 minutes of it happening, which my cell phone records to citibank prove I made 2 phone calls within 15 mins of each other. The total amount was a  balance transfer to a discover card for {$3000.00} and a balance transfer fee of {$90.00}. 

Infuriatingly, they did NOTHING and allowed the transfer to go through and post several days later on XX/XX/XXXX. 

Since then I have called over and over and over and over again, each time being bounced around to 5-10 diffferent operators and then told " security is working on it. '' And to just wait.

At no time was it ever resolved or simply refunded while their security team figured out where THEY screwed up, and each call would be several hours of being on hold and transferred. At one point I thought the odyssey was over when a woman in fraud said she could see what happened and she would resolve it THAT DAY. She did NOT resolve it that day, though I did retain her phone number. 

Instead I was eventually blamed saying I had been mailed paperwork by the company to be filled out and I had never sent it back. ( I never got anything ). I was then emailed paperwork which I sent back. When it was still not resolved I went ahead and sent it back AGAIN without being asked to, but the balance is still shown on my card with no change. 

I have 0 faith this will ever be removed without 3rd party intervention and all the interest I've paid refunded etc. Fighting this from XXXX until XXXX when I never did anything wrong whatsoever! Countless hours on the phone for something I have 0 control over and continuously blown off and ignored.
Complaint sub-issue: Problem during payment process

On XXXX 2017 My XXXX sent a certified check via overnight mail to Citibank-in the amount of {$7500.00} to address : Citicards, Citibank / XXXX XXXXXXXX XXXX  XXXX, XXXX, KY,XXXX. The check number is : XXXX again in the amount of {$7500.00}. I have called over 5+times to ask where this payment is-thus far, " no payment has been found '' -this is a lie, as my certified tracking shows mail was delivered. Where is my payment? XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/21, I was charged {$520.00} with my credit card through Keybank for staying at the XXXX XXXX in XXXX XXXX, Ohio. I was not happy with the room therefore I didn't even stay there. I also was not happy because the staff were not wearing their masks.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/22 XXXX XXXX XXXX XXXXharged my card XXXX for services I never had I filed a dispute on XX/XX/22 it was closed I sent in documents from the company to CARD.com on XX/XX/22 and my case was still not reopened or even look at again
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Complaint sub-issue: Problem with fees

Citibank N.A. has charge me a disputed late fee that started at {$26.00} and has grown to {$320.00} as of today, XX/XX/XXXX. I feel that I paid my bill on time on XX/XX/XXXX. It took 5 days to process this payment on XX/XX/XXXX and I feel that it was paid on time by me thru bill pay from my bank. I cancelled my account on XX/XX/XXXX because of this problem. I have contacted this bank by telephone and written information requesting that they were doing me wrong by wanting to charge me a late fee for this transaction. My XXXX SCORE has dropped from XXXX to XXXX due to this dispute.
Complaint sub-issue: Investigation took more than 30 days

To whom it may concern : On XX/XX/2022 I disputed and requested debt validation on account number XXXX XXXX XXXX XXXX which claims I owe {$2500.00}. To date I've yet to receive viable evidence bearing my signature, only a response from XXXX XXXX XXXX stating that would instruct to the bureaus to delete any updates they have placed on my credit profile. Which has not been done, I've suffered tremendously due to this inaccuracy on my credit. My right to extend credit has been damaged to a great extent. As a result, I've been discriminated against and refused the following. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX  According to 15 USC 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I'm also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. There is no law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable.
Complaint sub-issue: Didn't receive terms that were advertised

I contacted US bank customer service on approximately on XXXX of XXXX to inquire about the {$400.00} bonus status. The rep said that the bonus was going to post on Monday ( XXXX ), and that they will also file an investigation about why. 

I got a callback on XXXX from US bank telling me that although I met the {$4000.00} direct deposit amount, they saw that the online banking e-statement requirement wasn't met. However, US bank was having issues when I was signing up for online account at the time, and they assured me that the correct promotion codes would be applied for this promotion and that they will do handle things on their end that the e-statement and the initial deposit requirements would be met. 

I called back again today ( XXXX  ), and was on a phone call for 3 hours with the rep, and the customer service rep today basically made some calls and said that she would transfer me to whoever 's in charge of making this determination, and sent me to a relationship banker ( who in turn told me that they do not handle this type of issues ). Then this relationship banker transferred me again which went to the very start of the customer service number. 

I am highly dissatisfied and disappointed with 1 ) the way U.S. Bank is not following through with their promises/terms ( the representative promising me that the bonus would post on XXXX, and even earlier when I was signing up when they were having website problems on their bankend that all would be handled on their end for this promotion ), and 2 ) the way Customer Service is handling my inquiries and complaints by " passing the buck '' for hours on end. 

I am including the screenshots of the email correspondence of what I have. U.S. bank should have the recordings of all phone calls from me to look into the matter.
Complaint sub-issue: Account status incorrect

FedLoan Servicing is reporting to XXXX, XXXX, and XXXX  that the 8 student loan accounts XXXX were late from XX/XX/XXXX to XX/XX/XXXX. This information is inaccurate and false. I requested a forbearance due to being unemployed XXXX XXXX this was approved from XX/XX/XXXX until XX/XX/XXXX and then I requested a new unemployment deferment XX/XX/XXXX. I have attached the forbearance request I submitted as well as emails indicating my account was approved to be deferred during those periods. 

This information has caused my credit to drop exceptionally with over 6 months of late payments showing when these payments were never late. I reached out numerous times to have these accounts placed on forbearance and a manageable repayment plan directly with FedLoan Servicing. I have asked FedLoan Servicing to update these accounts with the credit bureaus and they have not done so. I have also reached out to each credit bureau XXXX, XXXX, and XXXX  to alert them of this inaccurate information and they have not updated the late payments either, they continue to state they have verified the account is correct. However, none of the bureaus have provided physical proof that this information was verified as accurate. This is not lawful or compliant and is against FCRA 605 b in regards to debt furnishers. I am requesting this negative information be removed off ALL 3 credit bureaus immediately or I will be forced to seek legal assistance.
Complaint sub-issue: Received bad information about my loan

Okay I registered for ( XXXX school ) XXXX the school of XXXX in XX/XX/2011 and mid way through my mother fell gravely ill I had to quit the school. I was never certifieed or licensed and did not finish my schooling there. I feel that I was n't fully educated on how a school loan would effect my finances later on as it was my first time receiving XXXX ... .I also have seen how other school educate their students on the various components of the school loans and grants and I know for a fact I was not given that same education on loan awareness and now I still have this outstanding loan which is affecting my credit score and lifestyle. Please help me to resolve this issue immediately. Thank you
Complaint sub-issue: Didn't receive terms that were advertised

I received a flyer in the mail saying I would receive a XXXX bonus for opening a new checking account I just had to have 2 direct deposits of a XXXX or more in 60 days well I did everything on my part now they come up with excuse after excuse I feel mislead and there advertising is misleading.
Complaint sub-issue: Investigation took more than 30 days

XX/XX/2021 - I filed dispute in regards to the incorrect items on my credit report. it has ben well over 30 days and i haven't received any investigation results.
Complaint sub-issue: Transaction was not authorized

My discover checking account was compromised. 

A check of mine was stolen and altered. 

I very promptly notified Discover and was sent an affidavit to fill out. I also filed a police report to put on the affidavit. In fact, I called Discover to help me with filling it out. 

Discover is now informing me that the affidavit was improperly filled out because too many things were initialed. I very honestly filled this out and even asked for assistance.
Complaint sub-issue: Information belongs to someone else

My credit report had an account listed from that are not mine. I disputed the accounts with the credit bureau as " not mine '' but it recently came back as verified ... I have never had an account with these companies. Please delete immediately before further harm is done ... XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX  ( reported duplicate on Equifax credit report ) .. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is
Complaint sub-issue: Information belongs to someone else

XXXX  is reporting a fraudulent XXXX XXXX XXXX account on my credit file that was opened on XX/XX/XXXX.XXXX  and Equifax is reporting a fraud account from XXXX XXXX that was opened on XX/XX/XXXXXXXX is incorrectly reporting that my name is XXXX, XXXX, XXXXXXXX is incorrectly reporting addresses of XXXX XXXX XXXX and XXXX XXXX XXXXXXXX and Equifax is reporting a XXXX account on my credit file that don't belong to meAll 3 Credit Agencies are incorrectly reporting that I was late from XXXX to XX/XX/XXXX on my XXXX XXXX XXXX, please remove these inaccurate lates.All 3 Credit Agencies are incorrectly reporting that I was late from XXXX to XX/XX/XXXX on my XXXX XXXX Account, please remove these inaccurate lates.Equifax is reporting incorrect address:Incorrect Address: XXXX XXXX XXXXXXXX is reporting incorrect addresses:Incorrect Addresses: XXXX XXXX XXXX and XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

I hope you can help me. There is an account that continues to report in my credit file that actually belongs to my father. I don't know if its the bureaus not doing their job or this collection company that continues to report the incorrect information but it still appears on my file after disputing it several times. The company 's name is XXXX XXXX XXXX XXXX account number the bureaus are reporting XXXX and the company name where it originated was XXXX XXXX XXXX XXXX. I contacted them personally and they verified it did not belong to me and doesn't understand why the collection company would report this. Which also makes me question if the bureau actually researched the item.
Complaint sub-issue: Personal information incorrect

I have made several attempts to get my personal information updated. I did a couple of disputes online only for it to be corrected for 30 days and all of the same inaccuracies were back.
Complaint sub-issue: Other problem getting your report or credit score

Following up with my earlier complaint with SageStream I did exactly as they said and provided my identity and that being a month ago I still don't have a copy of my report. I called and stated that ; " I better have a copy in the mail by the end of the week or another complaint will be filed and possibly I will contact an attorney. '' Have not received a call back nor my credit report as I have asked for.
Complaint sub-issue: Account status

I am a XXXX year ( XXXX ) mother of XXXX and my husband has XXXX ... I 'm the only person working in my household. These negative credit reporting practice system is affecting my ability to find affordable housing for my family and this may lead to us being homeless. Please, help me resolve this issue. I have disputed negative items on my credit report with Equifax, XXXX and XXXX at least 5 times in 2016. I believe the Equifax, XXXX and XXXX Credit Reporting agency is in violation of my civil rights and prejudice against minorities, because no matter how many times I provide evidence I paid my debts they are unwilling to remove the old data from my credit report. They continue to report athat least XXXX accounts as collection or late payments. I resolved and paid all these creditors. Also, I believe this credit company has illegally used and shared my financial bank statements ( I used to prove accounts paid. ) and sent information to XXXX to aid them in continuing to report inaccurate information. This data was used against me with out my consent. I just want the negative accounts removed so I and move on with my life and afford housing for my family.
Complaint sub-issue: Debt is not yours

Back in XXXX of 2016, XXXX XXXX posted negative information on my credit history. I disputed with Equifax on XX/XX/2016, and the negative information was removed from my account on XX/XX/2016. Equifax gave me confirmation # XXXX after deleting the negative information from my credit. After one year, the same negative information reappeared under a different collection agency ( XXXX XXXX XXXX ). I filed a complaint with CFPB about Equifax. Equifax responded that the negative information reported by the XXXX XXXX XXXX was removed from my credit report. Check complaint # XXXX on the CFPB site. The same negative information reappeared for the third time under a different collection agency ( XXXX XXXX XXXX ). I have never received notice of Equifax 's reinsertion on both the second and the third time as the law requires it.
Complaint sub-issue: Information belongs to someone else

There are 4 accounts that are on my credit report and they are not mine I have been disputing these since last XX/XX/XXXX and nothing have happened. I have opened an FTC for these accounts. I have not gotten anything back from the bureaus or the furnishers. 

XXXX XXXX XXXX XXXX - Acct # XXXXOpened XX/XX/XXXX U S DEPT OF EDXXXX - Acct # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Opened XX/XX/XXXX DPT EDXXXX - Acct # XXXX Opened XX/XX/XXXX XXXX