Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

In XX/XX/XXXX I had a debt for XXXX that was old to a collection agency ( XXXX XXXX XXXX ). I seen it on my credit reports for {$320.00}. They reduced it down {$64.00} and I settled with them and paid {$250.00} XXXX/XXXX/XXXX. They updated my credit reports and showed I paid it leaving a {$0.00} balance. Now XXXX/XXXX/XXXX XXXX illegally reopened that same account selling it to a new collection agency ICSystem saying I owed {$64.00}. I spoke to cox and both collection agencies. XXXX XXXX shows I paid it and sent proof to XXXX who then sent proof to ICSystems XXXX/XXXX/XXXX and I requested it be deleted from all XXXX credit reports and while it was being investigated for it to be put on hold. I also filed a dispute with XXXX earlier that week. ICSystem finally deleted it off of XXXX but illegally reported it again the following day to XXXX and XXXX and has yet to delete it off even though they are aware it was not a debt I owed. I had paid it XXXX/XXXX/XXXX. They also are reporting this debt 3-4 times a month ( once a week ) damaging my score as much as possible. They have refused to delete it off of all XXXX credit reports knowing that it is not a valid debt and after cox has told them to remove it.
Complaint sub-issue: Investigation took more than 30 days

I disputed this public record reporting in error and asked for an investigation, verification, and deletion over 6 months ago. The Credit Bureaus have NOT provided verification per the FCRA and falsely stated that the courts verified this public record, however, enclosed in a letter from the courts stating that they DO NOT verify anything with the credit bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

I have called Equifax over the course of the last 3 to 4 months about inquiries listed on my credit report dated XX/XX/XXXX. I have submitted several online disputes in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to them with no action being taken. The last letter I sent to them was on XX/XX/XXXX and I received a generic response letter dated XX/XX/XXXX which basically states that anyone can request my credit without my consent or signature. I did not authorize these inquires and have requested for to remove them and Equifax has refused to do so as of today 's date XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

Equifax reported " active duty alert '' on my credit file in error as I am not in the military. 
When I contacted equifax, I was told that the error will be fixed in 24-48 hours. 
24 hours later I noticed that all my positive accounts disappeared and were replaced by derogatory accounts that did not belong to me. 
I contacted equifax again and they could not figure it out and I got a run around for over a week. 
On XX/XX/XXXX upon calling them continously for days, I was told that somehow my information was split and that due to a glitch all my accounts were suppressed. The csr was kind enough to reach office of consumer affairs and got my positive account history back. 
During this corrections, there were two negative accounts that were added that I did not recognize along with a gazillion inquiries. 
I was not provided any written notification of the glitch and the glitch has caused me financial harm thus far. 
The " active duty alert '' is back on my report along with numerous inquiries and 2 negative accounts that I do not recognize.
Complaint sub-issue: Their investigation did not fix an error on your report

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification-Description of reinvestigation procedure.
Complaint sub-issue: Their investigation did not fix an error on your report

Dear CFPB, XXXX / XXXX XXXXk has been reporting a charge off on my credit report for years. I have tried countless times to call XXXX and have been unsuccessful.
The negative mark has prevented me from purchasing a home and left me in the perpetual cycle of renting and being unable to build any type of financial security.
I asked XXXX to verify this debt and disputed multiple times with various bureaus. They report that it is verified without sending me any information. This XXXX account could be any number of people with the same name. It is not my address. It has a XXXX balance and claims a payment was made in 2013 but they will not provide any proof or documentation to substantiate their claim.
Would you please assist me in getting this charge off removed from my credit report immediately? XXXX has n't responded to any of my requests and I really need your help. I greatly admire all of the work you are doing to help the little people like me!
Thank you in advance,
Complaint sub-issue: Information belongs to someone else

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN A FEW ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. 
I AM HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.
Complaint sub-issue: Debt is not yours

I disputed this once and received a response from XXXX XXXX stating this was to be removed from my credit entirely. After MULTIPLE attempts to fix this with XXXX  and Equifax, I have gotten no where with them to remove the tradeline entirely. See attached documentation - XXXX XXXX responded to my complaint to remove it and I have the letter from XXXX XXXX stating this is to be removed completely. XXXX and Equifax have not removed this tradeline and absolutely will not accept or help me with the provided documentation. This was not my debt. This never should have been on my credit.
Complaint sub-issue: Other problem

On XX/XX/XXXX, I received an email from Citibank stating they reduced my credit line from {$8400.00} to to {$7800.00}. In XX/XX/XXXX Citibank made a decision to reduce my credit line from {$9400.00} to {$8400.00}. This credit card company reduced by credit line twice during the Covid Pandemic. I'm not in default with this company and have a good pay history with them going back 3 years. Every time they reduce my credit limit it hurts my credit score. I feel this business practice is very aggressive and in response to market conditions and not my ability to pay or my credit rating. I never requested a deferment during the pandemic, I continued to pay and pay ahead. This is unfair business practice.
Complaint sub-issue: Debt was paid

I have already paid the balance owed on this account and has not yet been removed from my credit, I have the satisfaction letter but yet no removal on my credit report. ally financial is the creditor ally financial XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Complaint sub-issue: Investigation took more than 30 days

It has been well over 30 days and I have heard no response in regards to my dispute.
Complaint sub-issue: Information belongs to someone else

XXXX I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : 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 XXXXXX/XX/2021
Complaint sub-issue: Account information incorrect

In violation of the Fair Credit Reporting Act, Upgrade Inc., has failed to accurately report my credit balance since XX/XX/2022. This is not the first occurrence of late or inaccurate credit reporting on my 3 bureau credit reports by Upgrade Inc. These consistent errors on the part of Upgrade Inc. have negatively impacted my credit score which is detrimental to my financial health.
Complaint sub-issue: Funds not received from closed account

I opened my Citibank account online XX/XX/XXXX. I work as a freelance consultant so my income historically was not stable however I started receiving regular direct deposits via XXXX  into my Citibank account on XX/XX/XXXX. On XX/XX/XXXX I received a notice of " suspicious activity '' from an apple.com charge which I approved on phone. My last debit card purchase was an ATM on XX/XX/XXXX. On XX/XX/XXXX I received a notice that my account was overdrawn. I immediately tried to move money from my savings account into my Citi account to cover the overdraft but my debit card no longer worker. I waited until Monday XX/XX/XXXX to contact the bank and was told my account was being closed and then I was HUNG UP ON THREE times. I called again on XX/XX/XXXX and was the same thing, account is closed and there is nothing they can do. I inquired about my direct deposit which was scheduled for XX/XX/XXXX and was told Citibank would reject the deposit and it would go back to employer. I was then blocked from viewing my Citi account and the direct deposit was never rejected or returned to my employer. I called the automated system and confirmed that the money was deposited into the Citi account. I called on XX/XX/XXXX to ask how can I get access to the bank account with all of my money in it. My savings is gone covering expenses from missing one week pay without access to my primary bank account. I was told Citibank will not reject any deposits, and can hold onto the funds for up to 60 days. I have not received ANY correspondence or explanation of what is going on and why my funds are being held or realistic timeline of when my money will be returned to me. In the meantime, all bills setup through my primary checking will be late and assessed NSF fees so this issue is compounding daily for me.
Complaint sub-issue: Account information incorrect

n accordance with the Fair Credit Reporting act XXXX Account XXXX  # XXXX XXXX # XXXX XXXX XXXX Bank XXXX XXXX # 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
Complaint sub-issue: Information belongs to someone else

In XX/XX/2015 there were 2 XXXX XXXX credit cards opened fraudulently in my name. I alerted XXXX XXXX and they removed one of the credit cards for fraud, however they left the other credit card account with a balance of XXXX dollars on my credit report. I have disputed nonstop, weekly and monthly, I have filed XXXX complaints, filed FTC reports and XXXX XXXXXXXX refuses to do the right thing and delete this account stating it is linking me to this account by the address XXXXXXXX XXXX XXXX XXXX  XXXX PA XXXX- I find this interesting as I called each of the XXXX credit bureaus and they all told me I am NOT associated with the address XXXX XXXX XXXX XXXXXXXX and that it has been deleted from all of my files for fraud. I will be attaching the letter XXXX XXXX wrote stating the account is being linked to me by that address so that you can see they are reporting wrongful and inaccurate information to my credit file. This will be the last time I try to resolve this with XXXX XXXX before I file a lawsuit as this account is causing me issues with financing and living my life because of this being on my credit.
Complaint sub-issue: Old information reappears or never goes away

I have tried to dispute the credit report several times! Even as of last month! There are two things that are on my credit report that is showing up and stopping us from getting credit! They were included in our Bankruptcy years ago! Please help they should be off!
Complaint sub-issue: Threatened or suggested your credit would be damaged

An account with XXXX XXXX that was opened up in XX/XX/XXXX in the amount of {$1900.00} was deleted from my credit report in XX/XX/XXXX due to fraud. Now XX/XX/XXXX this same account from XXXX was put back on my credit report as a collection with a collection agency Jefferson Capital Systems with all three bureaus stating this account was opened XX/XX/XXXX which is definitely inaccurate information reporting and the account should have never been put back on my credit file in the first place. I have disputed with all three bureaus and the only one that have removed this collection from my report is XXXX, XXXX and XXXX is still reporting. This is damagaing my credit and I am in the process of purchasing a house but with this collection on my credit I am unable to obtain financing for a home.
Complaint sub-issue: Can't temporarily delay making payments

Around 2013, I decided to go back to school. I applied for a private loan, and the loans total about {$60000.00}. After graduation, I had to take work as a substitute teacher as I could not find full-time employment. 

I called the company and asked for forebearance, which they granted for one month only. The fee for forebearance was # {$100.00} per loan. {$200.00} to keep it in forebearance for one month. 

I called to lower payments, but it was not working. They said they do n't do forebearance for a year, but it says on their website that it is for 12 months. That is all I ask. One year.
Complaint sub-issue: Account status incorrect

My XXXX and Equifax credit scores plummeted due to multiple balance increases. I called XXXX to see why this has happened and the woman said it shouldnt have and to file a dispute. Attached are the screenshots of the changes on both credit reports.
Complaint sub-issue: Trouble with how payments are being handled

I called and requested a refund from my service provider, Mohela, on XX/XX/XXXX for my student loan payments made during the pandemic. The amount {$8200.00} was made on XX/XX/XXXX that I requested be refunded to me. The customer service representative said that the money would be refunded, but did not provide any sort of confirmation ( reference number or email ) that the processing would occur. No indication is on my Mohela portal that suggests it is being processed. 

I submitted a follow up message on XX/XX/XXXX and another on XX/XX/XXXX asking if I could get an update or some kind of documentation of the processing of the refund. No response has come. I then tried calling a few days ago to speak with someone and the voice recordings say that Mohela is not accepting any phone calls in the area I needed assistance in.
Complaint sub-issue: Account status incorrect

this Account Number XXXX Account Type Installment LoanTermsXXXX Date Opened XX/XX/XXXX this account was piad and was never lateXX/XX/XXXX please removed this late
Complaint sub-issue: Reinserted previously deleted info

now I understand why the FCRA was made because these companies are full of abuse and only want to make money off of inaccurate information! I disputed twice with all XXXX bureaus and I had a few deletions but then they were reinserted on my file and I was never notified and they have to do it within 5 business days of reinsertion. Are they willing to sign an affidavit swearing under oath they sent me something? I get all of my mail and I received all the mail from them except for that. they did n't send me anything and by law they must remove it. not only that, but they did n't send me the procedure they used to verify these items and seeing my name on a screen does not qualify as verification. I asked for the documentation and they did n't provide it. they have a job to make certain that the information on my report is correct and not only that, they have to make sure that the info they receive from the creditors is correct and they did n't. I do n't know what this bankruyptcy is either and the only response is that it stays on my file 7-10 years. did I ask how long it stays on? No I did n't. I have already complained to the AG for my state and I will make a press release. they are treating me unfairly and are breaking the law! 

Equifax reinsertion : XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Upon reviewing my credit report I noticed several suspicious inquiries. This is a violation of the FCRA section 1681 ( c ) which constitutes as fraudulent activity and also breach of my privacy rights. Please provide A COPY of when I sent a written permissible purpose for every inquiry. This is needed in order to validate the inquiries. I did not authorize any employee by these companies to make any inquiry and view my credit report. Finally I demand an XXXX XXXX and production of my signature authorizing the inquiry. If you are unable to provide me this info in 3-7 business days, I demand you DELETE THESE DEROGATORY and Fraudulent inquiries from my consumer report in which I gave you no wet ink written consent to furnish!
Complaint sub-issue: Debt is not yours

I disputed these items placed on my credit report by XXXX XXXX XXXX and Unisa Inc with all 3 credit bureaus for {$400.00}. It states it was opened XX/XX/XXXX with XXXX XXXX XXXX and Unisa inc stated opened XX/XX/XXXX as an education loan I never applied for they seem linked. XXXX XXXX XXXX removed it from my credit report after I placed a dispute with all 3 credit bureaus. I look today at my credit report a month later and XXXX XXXX XXXX has placed it back on my credit report again. I have no idea what these debts or installment loans are for I was never sent proof of the debt nor any sort of ledger card  showing I attended the college or there services. I would like proof showing why I owe these debts and how they have my information. I have no knowledge of this debt or debts.They are causing damage to my credit report and I would like to get to the bottom of this with this agency or agencies. I will also be writing a letter to my states attorney general in regards to these companies I have no business dealings with.
Complaint sub-issue: Their investigation did not fix an error on your report

See attatched XX/XX/XXXX Equifax Letter Re : XXXX XXXX & XXXX States if I have more infomation. Equifax PLEASE RESPOND TO CFPB XXXX submitted XX/XX/XXXX. See numerous open complaints unanswered. See attatched MORE New Information Provided XXXX leter XX/XX/XXXX CONFIRMATION OF SETTLEMENT card ending XXXX A VISA/ MTR card DEBT XX/XX/XXXX. 
This Debt became a Visa card XXXX TWO YEARS LATER is now account # XXXX See attatched Equifax Credit Report. see attatched MASTER ACCOUNT XXXX XXXX XXXX CANCELATION OF DEBT XX/XX/XXXX. This is now account?? XXXX XXXX attatched Report. Date opened XX/XX/XXXX?? " VERIFIED '' AS TRANSFERED/ Sold ** " What Method of Verification was used. This account settled XX/XX/XXXX. HOW COULD THIS BE " VERIFIED '' XXXX PLAYS A NUMBERS GAME. Visa begins with a ( 4 ) and MSTR begins with ( 5 ) Who " VERIFIED '' this AS ACCURATE? XXXX??? ACCOUNT NUMBERS.??? NOT ACCURATE. I DID NOT OPEN THE VISA CARD XXXX IS COLLECTING ON. XXXX made an UNAUTHORIZED PAYMENT XX/XX/XXXX DEBT COLLECTION ON SOCIAL SECURITY FUNDS PROHIBITED BY FEDERAL LAW. SS ACT SECT 207. XXXX IS IN VIOLATION OF FEDERAL LAWS.
Complaint sub-issue: Debt is not mine

My mother was a patient at XXXX a few years ago. 
I do not know why they are harassing me with her debt. I am not, nor have I ever been her POA or otherwise financially responsible for her bills. 
I have contacted XXXX a couple times after receiving threatening letters from them and have ademately informed them that I Am not responsible for payment of my mother 's bills. I Have let them know the same when they have called harassing me. They have fraudently gained my personal information and is threatening to defame my name with these fraudulent charges of my owing them a debt. I do not owe them a debt of any kind. I have never been a patient there nor am I financially responsible for anyone who was a payient there. They rudely keep saying they will remove my name and get this straight but it continues to exculate and I am being harassed more often and the threats are getting more severe.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

They will not listen or even give me the chance to tell them that this debt was included in a bankruptcy that has been closed for over 5 years now
Complaint sub-issue: Reporting company used your report improperly

My information may have been included in the Equifax security breach. Additionally, I have heard news ( although this may be rumor ) that their website for checking to see if you are affected ( https : //www.equifaxsecurity2017.com/XXXX ) is providing randomly generated answers. Either way, Equifax 's security is not up to standards and should be improved. Additionally, their service for monitoring they encourage you to sign up for includes forfeiting your write to sue, and this is ridiculous. If they were really looking out for customers this language would not be included.
Complaint sub-issue: Information belongs to someone else

I have previously filed a complaint with cfpb on XX/XX/XXXX and my complaint ID is XXXX. This complaint is against XXXX XXXX  and their reporting of 4 Fraudulent accounts being reported to the credit bureaus. I have provided all documentation I can provide to the best of my ability and after my complaint there was no resolution to the accounts being reported. 

I am a victim of Identity theft and I first contacted XXXX XXXX  regarding four accounts that were opened and utilized by the individual who stole my identity on XX/XX/XXXX ( this individual was a family member who resided with me for a period of time ). They replied to me and stated that even after I provided a notarized Identity theft affidavit that they see no basis of my claim and that the debt of all 4 accounts belongs to me. I have also contacted the credit bureaus regarding these accounts and both XXXX  and XXXX  have honored my claim but Equifax has not. I contacted XXXX XXXX  again XX/XX/XXXX and I have only received a decision regarding one of the accounts however they have not acknowledged the remaining 3 and all 4 accounts are still being reported by Equifax to date. I am also still receiving collection calls and letters regarding one of the accounts that was sold to XXXX XXXX XXXX and all three credit bureaus are currently reporting this account as a collections account. 

Please also keep in mind the 3 remaining accounts on Equifax are reporting charged off every single month for the last year which is a violation of the FCRA.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I attended XXXX College in XXXX CO, from XX/XX/XXXX-XX/XX/XXXX,  I was unable to get my certificate and my friends and I found out that they were scamming people and the school closed. I am in debt over a school that wasn't real, where my certificate don't work and I can't use it anywhere.
Complaint sub-issue: Information belongs to someone else

I reviewed my credit report and it is reflecting a Bankruptcy which is in error as I have never filed for bankruptcy. The docket number reported is XXXX