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

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX - CARD SERVICE Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ;
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Problem with rewards from credit card

Citi Costco Visa credit card closed my credit card in XX/XX/XXXX without notification. In XX/XX/XXXX I received a letter explaining that they closed my credit card because my membership with Costco has not been renewed. Also, the accumulated cash back that they need to pay me by XXXX, a litter more than {$940.00} have been forfeited. I called Citi and Costco and they verified that my membership with Costco is active until XX/XX/XXXX. Following Citi instructions, I applied to reopen the credit card to save my {$940.00} in accumulated cash back. I have been calling Citi and Costco to get an update about my credit card but Citi cant provide any information of my case by phone. I have been waiting for a promised call from Costco but no body call me. I have more than 700 in credit score, I paid my credit card in full every months. In 36 months with Citi Costco VISA, I only pay late in XX/XX/XXXX, the remaining 35 months I paid the credit card on time. My membership with Costco is active and I do not need to renew it until XXXX. It is unfair that they closed my credit card 2 months before they need to pay me {$940.00} in cash back reward. See attached copy of the letter from Citi Costco Visa and my active membership with Costco.
Complaint sub-issue: Information belongs to someone else

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, Equifax and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Accounts Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$7700.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$800.00} XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX  XXXX XX/XX/XXXX {$740.00} XXXX XX/XX/XXXX {$2300.00} Hard Inquiries XXXX XX/XX/XXXX N/A
Complaint sub-issue: Debt was paid

I was with XXXX XXXX for 3 1/2 years! They sent me documentation that this debt was paid or settle! I think Citi Bank is trying to double dip! I'm a XXXX XXXX XXXX on a fixed income!, and tried in good faith durning my time of hardship!
Complaint sub-issue: Didn't receive enough information to verify debt

hello keep getting phone calls but the caller will not tell me the name of the debt collection company instead keep stating this is a personal financial matter are you ..my name.. i refuse to tell them due to they refuse to identify the company they represent and calling from a private number there fore i can not call them back. at least 10 phone calls sometimes call me 4 time in a week. also i recieved a email from XXXX XXXX XXXX with a statement saying pre legal notification no information regarding how much i owe just blank saying they want to resolve the issue also threatend to send to a attorney in my state if they don't hear from me.. i tried to reolve the issue with citybank before this went to collections but got the run around tried to make a payment but was told numerous time by citibank not to make a payment due to the account is under decision told to call back in 2 weeks when i called back they informed my it was charged off never allowed me to settle the account
Complaint sub-issue: Account status

I had the mortgage co make a big mistake on my mortgage so they sent a letter out to all agencies to remove any negative marks for XX/XX/XXXX and XX/XX/XXXX as is shows on both equifax and trans union! This went out in several months ago and i requested a new one today so i am attaching both my letter and a copy to show the lates they are reporting in error!
Complaint sub-issue: Information belongs to someone else

I would like to report about identity theft because I am victim of identity theft. So this happened with me first time and I do not know what to do actually. I just want to ask for your support and that you can investigate this situation and I hope you will remove them from my credit report.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Jefferson Capital Systems bought this debt from original creditor XXXX XXXX this has been on my credit for 8 1/2 years and its still damaging my credit after 7 years it's suspicious and sposed to come off please help me these people are crooks
Complaint sub-issue: Information belongs to someone else

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX, Equifax XXXX, Violates my given Rights in reports, an refused to remove, Reinvestigate a dispute Request about Entire Public Records Section, displaying XXXX Unverified Bankruptcies, Incorrect reporting. Dates, case numbers, amounts, and court info is wrong. Asked for Method Of Verification, They did not give me how/ who furnished the information. MY right under Section 609 states I have a right to know provided information, they told me I dont have that Right and its not a Law. ALL Public Records Items Were Not 100 % Verified with the actual Data Furnisher- the Courts, in which i provided documentation from the Courts is included. This is Defamation of Character and also violated/ continues to Violate my Rights under FCRA and FTC XXXX CFPB which they choose to Buy & purchase inaccurate information that Was Not Completely Verified. I ASKED AND BY law to Remove said information in Public Records Section concerning XXXX wrong inaccurate Bankruptcy cases. Documentation provided from which they told me they Verified with below equifax website and letter states XXXX XXXX, no bankruptcies are on my XXXX XXXX, XXXX said Court Clerks themselves, Court furnished me letters & said They Don't Verify with CRAs and its online. Well online is full of Fraud and XXXX information and victim of Identity theft already, keep using inaccurate unverified online platforms or a 3rd party to gather is in Direct Violation of my Rights and Breaking the Law.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I don't recognize majority of the accounts and i never opened any service with this companies and i think someone else in using my information without my knowledge and i don't recognize them. 
Plus i never been notified about this not even the credit report agency have never notify me this. 
And i dont recognize them and i request ask them to send me any proof of my signature otherwise they are responsible for affecting my credit for reporting wrong information on my credit report score as well the credit report agency are responsible that is affecting that why I can't access to get credit or any federal funds.
Complaint sub-issue: Account information incorrect

Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.
Complaint sub-issue: Account information incorrect

*THIS IS NOT A DUPLICATE* I am submitting more documents refelcting my monthly payment amounts that Equifax and XXXX is showing over {$40000.00} per month required payment which his an error. Please correct to agreed amount as per FCRA. 

I am NOT required to pay over {$40000.00} per month I am including PROOF of payments plus documents of my identity
Complaint sub-issue: Information belongs to someone else

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit report.
Complaint sub-issue: Problem with customer service

In XXXX of XXXX, Sallie Mae marked a student loan that I co-signed for as 60 days late. I did not receive any written notice that this payment was late. When I tried to dispute the claim they said they contacted the individual ( my ex-sister in law ) who was making the payments. Once I found out this was issue, I paid the loan in full immediately. This is now adversely affecting my credit score to no fault of mine.
Complaint sub-issue: Was not notified of investigation status or results

This is regarding a hard inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Their investigation and re-investigation did not prove to me of my consent to run a hard inquiry on my background or credit. I tried and tried but Equifax provided me with no concrete proof that it was authorize by me. I contacted XXXX XXXX  but not getting any response. I will take accountability for it when I know it was authorized by me but this is not one was not by me. I need this to remove off my credit report.
Complaint sub-issue: Banking errors

Hi CFPB, I signed up for an account with US Bank where I would receive {$300.00} after having two or more deposits totaling {$2000.00} or more in the first sixty days of account opening. I have fulfilled this requirement but have yet to receive my {$300.00}, and US Bank is not holding up to its end of the promise and honoring the promotion. Could you please look into this for me? I do not feel like this is how a bank should treat a customer.
Complaint sub-issue: Their investigation did not fix an error on your report

n XX/XX/XXXX, I scheduled the payoff amount on XXXX XXXX XXXX XXXX website. The amount cleared my bank account and the title was received by mail about 1 week later. At the end of XX/XX/XXXX, i received a letter stating the title was released in error and to return it to them. However, after calling them, I was informed there was a mistake on the balance owed to pay the loan in full. I disagree with this and didn't send it back. I have recevied multiple statements showing a balance of XXXX plus to pay the balance. HOwever, after demanding debt verification, I was informed they could only send a pay history. The balance on this shows XXXX. They are continuing to report late payments and now showing charged off/collection with a balance of XXXX on all major credit bureaus. I do not believe I owe anything to pay the loan in full and believe the is an error on XXXX XXXX XXXX XXXX side. HOwever, they will not research this. The new excuse is that a payment was returned. I do not show this on any bank statement. Ive asked for verification of the bank account the " returned payment ''. They state they can not access that information. This has decreased my credit score dramatically and I have attempted to correct this with XXXX XXXX, XXXX, Equifax, and XXXX on multiple occasions. Disputes with credit reporting agency are not correcting the mistake.
Complaint sub-issue: Public record information inaccurate

I have recently looked over my credit file and noticed theres negative information reported by XXXX XXXX XXXX XXXX XXXX file # XXXX, XXXX, XXXX. This is kept under my Social Security Number in error. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with the courts and provide me with copies of any documentation associated with my signature In the absence of any such documentation associated with this account, bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 
Please note that you have 30 days to complete this investigation as per the FCRA Section 611ca ) ( 1 ) ( A ) and I am keeping careful record of your actions, including your METHOD OF VERFICATION. I do not consent to XXXX or any means of automated verification. 
Failure to respond within 30 days of receipt of this certified mail may result in a small claims action against you in a venue close to my location, and you will be cited to represent yourself there {$1000.00} per violation will be asked for 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of FCRA This is my second letter asking how you  verify. I have enclosed a letter from my Bankruptcy court saying they dont verify by phone or mail they only method of verifying is if you come in person to the court building. Please let me know the person name and phone who goes inside the court house to verify this information so I can personally contact them myself. 

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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Acct # 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 instruction.
Complaint sub-issue: Debt was paid

XXXX XXXX had a collection for atnt in the amount of XXXX that I paid in full, XXXX deleted the collection per our agreement. XXXX  then transferred the collection to a new company ERC as if it had not been paid. I never received a letter or phone call from ERC before they put a fully paid collection on my credit report. I called XXXX several times no answer, I called XXXX  serval times no solution. I do not have a record of a payment I made over a year ago. In addition my bank recently switched ownership and Acquiring the bank statements is going to take a while if I can find them at all. I have asked atnt to recall the collection they refer me back to the collection agency. ERC says the notes from the previous collection agency states I did not pay the debt because I filled for bankruptcy, I have never filed for bankruptcy. If I shad that would absolved me of having to pay the debt. Nobody is making sense or providing a solution. Please help me remove this paid collection. Im trying to buy a house and I lost XXXX points for a collection I already paid.
Complaint sub-issue: Account status incorrect

Student loans through Nelnet, being issued in chunks, each distribution is an individual loan. In my case I have 7. Payments are made as one sum which is a grand total of what's owed for each loan. If a payment of this sum is missed or late. It is reported to the credit bureaus as 7 individual hits. So because of one missed payment your credit is hit 7 times. Which means your credit scorXXXX could be dropped 80 points from one late payment. This does not seem like a proper or fair practice of reporting.
Complaint sub-issue: Attempted to collect wrong amount

A Collection company by the name of XXXX XXXX continue to re-age an un validated bill on my credit report. When I talked with them, I was told that they had the right to do so. This bill is with XXXX and the date of delinquency is XXXX XXXX, XXXX. They are making it like I just opened the account, thus damaging my credit score every month. Please help me.
Complaint sub-issue: Account information incorrect

Hi, 3-4 years ago I had a credit card with XXXX XXXX and I recently checked my credit score and I saw something negative report on it from them. I called XXXX XXXX on XX/XX/19. For an hour I spoke to 9 different reps. going back and forth trying to resolve this issue. After providing my social and all info required for an account they had said that there was no file and account there with my name/ info on it. Therefore, this information is incorrect and needs to be removed from my credit report. It is is hurting my credit and prohibiting me from getting funding for my business. I tried to work with them to get this resolved, but no one could help. I need this information taken off of my report as soon as possible. I've done everything in my power and don't know what to do at this point. I'm very disappointed in the disorganization of state farm and this has been quite a frustrating experience.
Complaint sub-issue: Account status incorrect

On XXXX XXXX I contacted Discover customer service through their website chat application. I had received a 30 Day late report and I wanted to avoid further delinquency on the account. I told the agent who I chatted with that I was unable to pay the full balance on the account due to continued hardships due to Covid 19. I then told the agent I was unable to pay more than {$120.00} of the balance due. The agent stated they would accept the amount and then offered me a payment reduction plan that would lower my interest rate and my monthly payment and if I would be interested. I inquired if this would result in my account being closed and was told it would only be a suspension. I agreed to the disclosed terms of the agreement and authorized a {$120.00} payment. I then asked the agent if that payment would apply to the XXXX payment or if I would need to make an additional payment. He responded correct and that my plan would update to reflect the agreed up on {$100.00} payment for XXXX. On XX/XX/XXXX I received an email notification that there was a change to my credit file. When I reviewed my credit file Discover reported a 60 day past due on my account. I again contacted Discover through the Chat feature on their website and was informed that the arrangement I made did not stop the delinquency and it would continue to report. When asked why this wasnt explained in the XX/XX/XXXX Chat the agent apologized and stated there was nothing that could be done. I further asked why wasnt I afforded deferment or some other relief as that was the reason I contacted Discover to prevent further delinquency I have yet to get a reasonable explanation. I was informed by the agent that when asked if I could make a payment and I stated not more than {$120.00} that was an offer of deferment.
Complaint sub-issue: Problem with fees

On  XXXX   XXXX ,  2017 , I timely paid {$300.00} against the balance of this card. The payment was made electronically from my  XXXX   XXXX  bank account. On that date, I learned that fraudulent debits had been placed against my  XXXX   XXXX  account.  See Complaint Number   XXXX  for further details.     On  XXXX   XXXX ,  2017 , while I was in a meeting, I received a message from  Key  Bank about my account. When I was able to access my computer, I saw that the payment had been reversed by  XXXX   XXXX . The reversal was a mistake on the part of  XXXX   XXXX  due to the fraudulent debits, as discussed in the C omplaint Numbe  XXXX  above. I went to  XXXX   XXXX  and met with my banker and the Manager, who elevated the problem to the  District Manager . There are no   Key Banks   in the State of Florida so I could not go to a   Key Bank   and their office was closed when I called on Friday afternoon. I called   Key Bank   again on Saturday and was told that I should make a payment and then call back to have the fees and interest reversed and the account corrected.     Since I could only make a payment online, and no longer had a checking account to use due to the  XXXX   XXXX  problem, I had to make arrangements to use another account. I made those arrangements and made the payment again to  Key  Bank on  XXXX   XXXX ,  2017 . I then called Key Bank to have the fees and interest reversed. I was told by "  XXXX  '' that they could reverse the late fee as a one time courtesy, but would not reverse the interest because it was not their fault. I was also told that they could not correct the account to reflect that I paid timely.     Any reporting of this matter to the credit bureaus is a violation of the Fair Credit Reporting Act. Further, Key Bank failed to timely notify me of the reversal. In addition to the late fees and interest, I have now spent additional billable time trying to resolve this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are falsely reporting late on the DEPT OF ED/XXXX and DEPT ED/XXXX  accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also please reference pages 4 and 5 of the attached credit report. My child was a student in XXXX, 2015 and these student loans should have been deferred. Please remove these line items from my credit report. This incorrect reporting is harming my credit score.
Complaint sub-issue: Account information incorrect

Accounts that are closed are still on my credit.