Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I was in debt with US Bank and it was turned over to XXXX XXXX XXXX to collect the debt, and on XX/XX/XXXX they filed a complaint with the court of XXXX county, in XXXX IL for the amount I owed them {$11000.00}. 
On XX/XX/XXXX I filed for bankruptcy with XXXX XXXX with XXXX   XXXX XXXX XXXX. 
I was granted a discharge on XX/XX/XXXX United States Bankruptcy Court of XXXX Illinois case No. XXXX chapter XXXX. But now 5 1/2 years later I am trying to buy a house and XXXX XXXX tells me that I have an unsatisfied judgement against me that came up on me through court records. Apparently the discharge from my list of collections were all listed and most said NA for balance discharged, but unknown to me the balance for discharge to XXXX XXXX was listed as only {$1000.00}. My attorney has informed me that since this debt was all incurred before I filed for bankruptcy, the balance owed is all discharged, and the balance listed should not matter. XXXX XXXX   says they will not give a loan for a house until this judgement is satisfied.
Complaint sub-issue: Account status incorrect

hello id like to resolve an ongoing matter that needs to be resolved finally. 
I have had an account in the past with XXXX and had a stellar payment history never missed a payment and always made them well ahead on time never any issues. Apparently I was informed there was a time in which I had updated my financial institutions on there website where payments were automatically taken and there was a system glitch which kept attempting to withdraw funds from a bank account I had recently closed and this caused for a late payment to reflect on my credit bureau as this is showing false and misleading information as I have never purposely made a payment late. I was advised they would look into this matter and update the credit bureau but I've never heard back and this still is reflecting negative and need to be cleared up and removed as I have never been late.
Complaint sub-issue: Account status incorrect

I lost my job due to my XXXX and I could not pay my auto loan since XXXX. According to my credit report the loan are still active. XX/XX/XXXX the account was opened and is purchase in MN from XXXX XXXX. According to MN the statue of limitation for auto loan debt is XXXX years and XXXX keeps reporting it as a current loan and it keep saying derogatory. 
I am still disable and trying to catch up and pay my old bill, I have not been driving a car since XXXX when the credit company keeps reporting negative feed back from my history. From XXXX my credit is score is XXXX and currently have XXXX and trying to rebuild my credit to get myself a car for my transportation to get better for my XXXX. 
I do not know what to do anymore.
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX -Date of inquiry XX/XX/2021
Complaint sub-issue: Other problem

The XXXX XXXX Credit card company was overpaid by mistake for {$5700.00} which was cashed on XX/XX/20. It was an over-payment of XXXX as I mixed up payments between XXXX XXXX XXXX and XXXX XXXX service credit card. I have since been trying to get my money back in the amount of {$5100.00}. 

I have called 4 times times, and each time I am told the check will be mailed in two weeks. It has yet to arrive. Today I tried to call and was put on hold for over 30 minutes twice. The last time I spoke to XXXX employee # XXXX on XX/XX/20. He informed me it would be mailed out in two weeks. It didnt. 

Today on XX/XX/20 I still have not received a check and was told by XXXX XXXX # XXXX ( from Tennessee ) that there was an investigation and they still had not mailed out the check but would mail it out today. And would take two weeks, then he changed his conversation and said two business weeks, then he changed it again and said 17 days. 

I do not believe them at this point. If I owed them this much money they would have called me non-stop and charged me interest. Unfortunately I cant charge them interest and they have never called me or even told me that the money was being delayed due to some made up investigation. They keep changing their story to cover their incompetence. I would simply like my money back.
Complaint sub-issue: Account status

Ability recovery services Did not provide adequate verification for debt in question no documents were provided showing a contract or signature
Complaint sub-issue: Debt is not yours

This supposed debt owed to XXXX in the amount of {$480.00} was reported to credit bureaus about a year ago in XX/XX/XXXX by a collection agency named XXXX. I disputed the verification of this account. The debt account was then removed from my credit report. But, on XX/XX/XXXX, a collection agency by the name of AFNI has reported the exact same claim for this XXXX debt with a balance of {$480.00} to the credit bureau. Not only are they reporting a debt which was previously disputed and removed from my credit report by another company, but they have also placed a renewed date in which the former disputed debt was reported. I would like AFNI, Inc to provide accurate documentation which shows the validity of this said debt owed by me and/or remove this claim from my credit report immediately.
Complaint sub-issue: Attempted to collect wrong amount

A collections agency EOS CCA offered an resolution of debt authorized by client with a lump sum settlement of 55 %. I paid this to protect my credit. Some time later another company XXXX XXXX XXXX wants the remainder of the balance. I sent XXXX a copy of the settlement statement from EOS and proof of payment with no resolve.
Complaint sub-issue: Account information incorrect

XXXX XXXX did not report my accounts as included in bankruptcy filing on XXXX XXXX so I had to file a dispute with Equifax that those accounts were included in Bankruptcy and NO BALANCE is due. ( Please review the attached document that XXXX XXXX received from the Bankruptcy court. ) After my dispute with Equifax, XXXX XXXX then sent FALSE non accurate information to Equifax that stated the accounts were charged off and balance due of {$13000.00} for credit card and {$6900.00} due for the other account. XXXX XXXX also changed the account numbers to XXXX for credit card and XXXX for another account and reported that my year of birth was XXXX. These accounts do not belong to me and my year of birth is XXXX. 
I filed a complaint with the CFPB ( see attached complaint ) for the inaccurate information in my Equifax credit file and explained that my year of birth is XXXX and that I have NEVER had XXXX XXXX accounts ending in XXXX nor XXXX. Equifax contacted XXXX XXXX and then sent me a letter stating that XXXX XXXX verified the information as accurate. ( See attached response from Equifax dispute ) Obliviously, this is a FCRA violation for XXXX XXXX to report to Equifax accounts ending in XXXX and XXXX that do not belong to me and to report my year of birth of XXXX when in fact my year of birth is XXXX. It is also a violation of the automatic stay in Bankruptcy to report a balance due on accounts that were included in Bankruptcy. 
These errors and lack of proper investigation of a dispute have caused several problems. XXXX XXXX did an inquiry on my Equifax credit file on XX/XX/XXXX and then restricted my account due to my birth year not being accurate as they think that someone else other than myself applied for credit due to my application having my year of birth of XXXX and my Equifax file has my year of birth of XXXX. This whole mess is due to XXXX XXXX reporting inaccurate information to Equifax. If XXXX XXXX does not correct the erroneous information that they supplied to Equifax then I will have my attorney file suit against XXXX XXXX and Equifax for violations of the FCRA and automatic stay in Bankruptcy.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. 
XXXXXXXX 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
Complaint sub-issue: Frequent or repeated calls

cks financial are harrassing me they have called 13 times today
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I believe, Wayfair LLC dumped defective appliances ( i.e., XXXX XXXX XXXX ) on me ( i.e., a minority consumer ) and Wayfair Credit Card a/k/a `` Citi '' and/or " Citibank '' whom partnered with Wayfair LLC in this effort, as well as XXXX via my billing dispute then ruining my credit by reporting negatively on my credit report! The total amount of my purchase was {$1500.00} of which I paid {$1400.00} for the defective products!
Complaint sub-issue: Other problem getting your report or credit score

At this time, I respectfully request a copy of my XX/XX/XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, New York XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Complaint sub-issue: Account information incorrect

I received a copy of my credit report and I am disputing some items that need to be deleted. The reason for the dispute is in the month of XX/XX/XXXX I made a payment on the XXXX XXXX XXXXXXXX, a payment on the XXXX XXXX XXXX XXXXXXXX in XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX in the month of XX/XX/XXXX, and which this account is on my report twice, XXXX XXXX XXXX XXXX XXXX a payment was made in the month of XX/XX/XXXX. The Fair Credit Reporting Act Section 609 [ 15 USC 168lg ] bureau should send me all applications being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information.
Complaint sub-issue: Debt was result of identity theft

XX/XX/2018 I submitted a identity thief package for {$1200.00} & {$440.00} to remove from my credit report because their fraudulent charges.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XX/XX/XXXX I received a letter from US Bank stating " Thank you for contacting Cardholder Services about recent changes of address. This letter confirms that your address change request has been processed ... ... '' " If you did not make this request on your account, please contact Cardholder Services by calling the number on the back of your card to speak with a live customer service representative. '' On XX/XX/XXXX, I called US Bank and they would not tell me what had been changed. I then called XXXX ( XXXX XXXX XXXX ) and they told me my street address was changed from " XXXX '' to the post abbreviation " Ter ''. US bank told me that they would call me back to provide the information once it was investigated but they did not call me back. On XX/XX/XXXX I logged into the US Bank website to transfer my unemployment from the prepaid card to my bank account at XXXX XXXX XXXX but found that my account at US Bank had been locked and they would not tell my why. They told me I would have to call XXXX. I called XXXX on XX/XX/XXXX but they had no knowledge that the account had been locked. I am attaching a copy of the letter I received from US Bank. XXXX already confirmed my identity when I filed for unemployment on XX/XX/XXXX. There is no valid reason for US Bank to lock the account. XXXX asked that we call them back tomorrow to talk with a specialist in regard to this matter. Their so busy that it is hard to get through to them and talk with a specialist. They were not notified by US Bank that the account had been locked and neither was I.
Complaint sub-issue: Information belongs to someone else

I have submitted disputes regarding some items on my credit that arent mine! Please help I am looking to get this resolved as quickly as possible.
Complaint sub-issue: Transaction was not authorized

On XX/XX/2021, I received an email from a Merchant ( Remitly ) that there is a transaction in my account with them. My ( XXXX XXXX XXXX ) debit card was stored in there that is why i opened my online banking right away and noticed 3 transaction pending. I called my bank right away to notify them of the event and they were able to cancel 3 transaction which i did not authorize. I have attached here proof that i called them on that same time transaction happened. I also called the merchant ( Remitly ) and they were aware. Remitly costumer service or XXXX from their costumer protection team confirmed that the transaction was an unauthorized transaction by me.He told me that bank will return my money and that bank will charge Remitly fort he refund, so it is going to be between them. On XX/XX/2021 i received an email from XXXX  XXXX XXXX that they are unable to pay my claim coz of the reasons they have. I will also attached the note received from them. I called their costumer service on that same day, they re open the case and escalated the case. I asked them if they can update me as soon as possible and costumer service from XXXX  XXXX XXXX call again in 3 days. On XX/XX/2021, I called costumer service of Remitly ( XXXX ) and 3 way conversation with agent in XXXX  XXXX XXXX ( XXXX ). We had a very long conversation including remitly providing their email address so that the bank can contact them for anything they need for the case and XXXX verbally mentioned to XXXX that the Transaction was not authorized by me and that bank should initiate a conversation coz bank can not provide any email or update that they contacted the bank before denying my claim.XXXX  also mentioned that if possible Bank can CC me on anyemail but I have'nt received any email. On XX/XX/2021 I received an email from XXXX XXXX XXXX that they were still unable to pay. Called costumer service of XXXX on XX/XX/2021 and ask them if they were able to send any message to remitly but they can not give me information. and that they will re open the case again. I believed my case was not properly address. I have a proof that I contacted them same time i noticed the hacking and reported to them. I also visited the XXXX XXXX XXXX branch for help but instead they told me that " Thats why you do not use such remittances '' and that they can not help me bacause their research team can only be contacted trough phone call. Bank response to my claim says also that they did not receive the information they requested from me or it was incomplete but they never contacted me or initiate any communication with me. Please help me with my case. Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been non-compliant with removing the unverified account Bankruptcy XXXX which has been deleted by XXXX   and XXXX. XXXX  and XXXX have both completed their research and determined that Bankruptcy was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  XXXX account 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 an account without my written instructions
Complaint sub-issue: Account information incorrect

In accordance with the fair credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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: Difficulty submitting a dispute or getting information about a dispute over the phone

I have an account with Equifax, to monitor my credit score. From XX/XX/2020 to XX/XX/2020, my credit score went down 40 points, but no one at Equifax knows why. For some reason, no one in Equifax Customer Service, even a supervisor ( XXXX ), did not see that change. I am trying to find out why there is a drastic difference in the information I am seeing on my account with Equifax ( XXXX XXXX shows the same score, but I also access directly at Equifax ). There is no internal investigation or ticketing system that I can access via Equifax, to find out why there is a discrepancy. If someone runs my credit right now, there will see a wrong score. Please help!
Complaint sub-issue: Their investigation did not fix an error on your report

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  CARD XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

XXXX  XXXX should not be reporting to Equifax ; XXXX  and XXXX  that I am ( 30-60 ) days late on the XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I made arrangements for deferment under the CARES ACT with XXXX  and they assured me that no lates would report to the bureaus on this account. XXXX did no honor our agreement. I was not aware that these lates were reporting until I obtained a copy of my credit report. This false reporting of lates is seriously harming my credit score. This is a violation of the CARES ACT in addition to being a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I request that these lates be removed. I have contacted the bureaus as well as XXXX to correct this however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

On Saturday XX/XX/2019 : According to an email from Credit Karma, my XXXX credit report, stated that someone added me as an authorized user of their account with XXXX XXXX and I did not consent that or know who added me to their account with XXXX XXXX. 

Also a credit card application for a XXXX XXXX card was filled out without my consent and I received an email that denied the application. 

I need help to see where and how this occurred and what steps need to be taken to fix these situations. 

Thank you.
Complaint sub-issue: Information belongs to someone else

I contacted XXXX over the phone after I discovered fraudulent credit inquiries on my credit report. The XXXX representative that answered the phone informed me I needed to contact the creditor directly. However I had already reached out to the creditor and the creditor informed me I needed to contact the credit bureaus. Therefore I immediately informed the representative that I had already reached out to the creditors and I informed her I was frustrated at this point because I felt like I was getting the run around and nobody was helping me solve this situation. The representative stated she needed to transfer me to the fraud department. Once the XXXX representative transferred my call to the fraud department I went over the fraudulent credit inquires listed as followed : XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX with the representative and was told my dispute had been opened. It has been more than 30 days and I still see those credit Inquires on my XXXX credit report. It has been very difficult getting this resolved and I just want to make sure these fraudulent inquires are removed from my credit report.
Complaint sub-issue: Public record

I submitted documents to Equifax showing that I filed for a Chapter XXXX bankruptcy that has been XXXX. Equifax reports that my bankruptcy is a Chapter XXXX and refuse to update their records. The bankruptcy was filed on XXXX 2008 so it should be removed from my bureau. XXXX and XXXX have deleted it already.
Complaint sub-issue: Their investigation did not fix an error on your report

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Act 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 an account without my written instructions.
Complaint sub-issue: Investigation took more than 30 days

XX/XX/22 DSNB MACYS XXXX XXXX XXXX XXXX. We have disputed the account.
Complaint sub-issue: Used obscene, profane, or other abusive language

Asked for me and when I called back they said they were looking for XXXX my name is XXXX. They then demanded I give the last 4 of my social security number.
Complaint sub-issue: Reporting company used your report improperly

The following listed company 's have filed a XXXX filing against my company and it is not mine. I need help trying to find out who these companies are and why they have this on my report. I do not have a delinquent communications bill, I do not have a Solar delinquency nor do I have a Loan fund thats delinquent.
Complaint sub-issue: Problem making or receiving payments

I have a checking account in which I post all my payments. I usually have problems but I can solve them through the branch because Customer Service is literally awful. 
This time in particular I was trying to set a payment in one of my credit cards that the online banking did not take. I did several attempt in order to pay earlier my balance and then don't get charge with interests. I couldn't do it in both of my checking accounts. 
Finally the website let me do it on XX/XX/XXXX that it was the due date. That day the Credit Card wasn't payed because I had the money in my account. On XX/XX/XXXX, I check the bank as I usually do every day, and I see that the bank issue a check to pay the credit card. When I received the statement of my credit card, I was charged with late fee and the interests.