Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

In XXXX I made a agreement with Lending club for reduced payments for the month of XXXX and XXXX in the amount of XXXX the XXXX payment was due on XX/XX/XXXX with a 15 day grace period provided by Lending club. The XXXX payment was made on XX/XX/XXXX via ACH debit through my checking account. On XX/XX/XXXX I received an alert from a credit reporting agency that Lending reported a payment of 30 days past due for the month of XXXX. I immediately called their customer service line to clear up the issue, I was told it was a glitch in their system due to the reduced payment and that my credit report would be updated. The correction was made on or around XX/XX/XXXX, but on or around XX/XX/XXXX the 30 day late payment for XXXX was re-reported on my credit report again. I called Lending club again to resolve the matter and was told the same thing that it would be corrected and not happen again. The correction was made on or around XX/XX/XXXX per the alert I received from the credit monitoring agency. On XXXX I received an alert that the 30 day late payment was once again reported on my credit report for the 3rd time. This has caused irreparable damage to my credit report and also mental anguish to me and it has disrupted my life.
Complaint sub-issue: Account status incorrect

XXXX XXXX is showing up on Equifax and XXXX twice reporting 149 to 180 days past due when the account shouldve been in deferment. I had filed for deferment for six months and while I was on deferment they were reporting payments as being missed. I had them backdate my deferment and the Representative did not backdate payment. 

So I have two XXXX XXXX that need to be updated or removed from Equifax and XXXX. They need to updated the account as current or just remove it since it's from XXXX They also sent me to collections with US Department of ED/XXXX while I was in deferment or I thought I was supposed to be per their agent over the phone. The collection account is showing twice on my XXXX report called US Department of EDXXXX and XXXXhat needs to be update or remove all together Thats what caused this issue I'm having. I also filed another six-month extension on my deferment And since the last one was backdated I did not need to backdate Second deferment of my payments. Next thing I know Im being sent to collections to the XXXX XXXX XXXX XXXX XXXX. I have worked with a company and gotten most of these taken off my report but there is one in 2 XXXX XXXX and one XXXX XXXX that was paid on time. All three accounts are closed however two of the accounts are showing 149 to 180 days past due that need to be removed. Since it was in for XXXX that information is incorrect and should be removed and updated with never late/current/closed account The date that this was closed was XX/XX/2016 for both accounts. For my XXXX and Equifax Report the exact same thing is happening however on XXXX and Equifax there is only one past due account. The bank fix the other one when I disputed the account. 

There's only 2 one accounts. 1 one of them says current and the other 1 one says 149 to 180 days past due. This is the one that was closed in XX/XX/2016. Since the account was in deferment and the payments were backdated there should be no missed payments. And the status of the account should say never late/current/closed account. I did a total total of 12 deferred payments and 10 of those were backdated. For XXXX neither account shows up on this report because I had them dispute it off and the bank removed them. I dont know why the bank hasnt removed all of them from all of my reports but every time I dispute the ones on XXXX and Equifax they tell me everything is correct now. However on XXXX there are two accounts that have the student loan company put two collection accounts on my XXXX report which needs to be update to current or just deleted all together its called US Department of EDXXXX
Complaint sub-issue: Information belongs to someone else

XXXX pulled my credit report. Found a XXXX XXXX account on it that did n't belong to me. Disputed it with Equifax. Came back verified within days. I called XXXX XXXX XX/XX/XXXX. They verified it was not my account, sent me a letter that I forwarded to all 3 bureaus. XXXX and XXXX removed the account. Spoke with a rep at Equifax who told me that I was not allowed to send into letters as proof it has to be from XXXX XXXX. I told her the letter was from XXXX XXXX. They mailed me the letter as proof the debt was not mine. She politely told me too bad. Terrible service. This is my credit and mine and my family 's future and to havevan account that is reporting negative in my account that is n't mine is unacceptable.
Complaint sub-issue: Information is missing that should be on the report

Please see attached Credit Reports for all three credit bureaus. The following changes have occurred since those credit reports where pulled XX/XX/XXXX : - My hard inquiries have decreased from ( approximately ) 7 to 2 ( depending on the Bureau. Please see attached documentation ). This change is a significant difference but it isn't reflected in my score and no increases have occurred to account for it.

- All of the accounts payments listed on my reports pulled XX/XX/XXXX were listed as okay ( " OK '' ) and most of the amounts paid were reported. The new credit reports ( XX/XX/XXXX) all omitted this valuable information ( listed as " NA '' or nothing at all with not payment amounts ) and it lowers the evaluation score pulled by lenders.

- My XXXX XXXX Loans length is not displayed and shows that my loans activity has started in XX/XX/XXXXbut the loans age should not be changed because the lender is the same and only the servicer has changed.

- My U.S. Education Loans were once only reported as one loan even though there were actually two. This has since been changed but didn't increase my credit history average.

- I have attached XXXX  credit card statements for your review. You will notice that there are occasions when my credit card utilization is high. If you reference my XX/XX/XXXX and XXXXt bank statements you will notice that there was a credit card utilization of {$900.00} ( approximately 9 % utilization ). No factors in my credit, debit or purchases have changed since XX/XX/XXXX but this past XXXX I utilized approximately 9 % and my score went down 10 points instead of three. The recommended utilization for a credit card is 20 % and I barely use half of that so my credit card score shouldn't have even gone down three points this past XXXX  and certainly not 10. There is no reason for this change and I believe that they are using unfair practices to evaluate my score by miss reporting information.

- My on-time payments, my consistently low credit card utilization and my decrease in hard inquiries on my account should have significantly increased my credit score but information has been changed and inaccurately reported resulting in my credit score only going up 7 points ( XXXX  : XXXX  > XXXX ), 0 points ( XXXX XXXX > XXXX  ), and -1 point ( Equifax XXXX>XXXX  ). I have attached the full credit reports from XX/XX/XXXXfor all three bureaus. You can review the soft XXXX  from XX/XX/XXXX to review the credit scores that I had at that time.

damage ever since.

- The first time I called to address the why my score went down I was told that my score didn't change, the second time I called I was told that the score is low because of two late payments back in XX/XX/XXXX. But I have been recovering from that damage for four years now and its impact on my score shouldn't have changed because all the factors in my reports have stayed the same. I talked to about 7 different representatives and finally, after asking how I could report this, she referred me to Consumerfinance.gov.
Complaint sub-issue: Account information incorrect

I see that XXXX XXXX ( via XXXX XXXX  ) reported a 30 day late payment to Equifax. I was not 30 days late, per their own statement, of which I have attached for you to review. Equifax ( reported under 1 XXXX ) : XX/XX/2019 payment 30 days late. I was actually late with my XX/XX/XXXX payment, they added a {$39.00} late fee and raised my interest rate so they also added an additional {$15.00} for that. I made the XXXX payment on XXXX XXXX, according to my bank, I was not 30 days late there either. They subsequently waived the late fee. Of course, XXXX won't let me access XXXX XXXX statement, or any of the preceding month 's statements, so that is not included in my attachments. What's important is, my XXXX statement. The XX/XX/2019 payment was due on the XXXX. I happened to be late with that one as well. They added a {$39.00} late fee, plus additional interest, so my past due balance on my XXXX statement that came out on XXXX XXXX, was {$99.00}. XXXX XXXX statement also clearly shows a minimum payment of {$160.00}, that is due on XXXX XXXX. On XX/XX/XXXX, I made the payment of {$160.00}, per their statement. My math tells me there is exactly 28 days between the due date ( XX/XX/XXXX ) and the date I made the payment ( XXXX XXXX ), so I was not 30 days late. XXXX and XXXX statements attached.
Complaint sub-issue: Information belongs to someone else

Two large issues. 
First, my brother and I have the same initials and our social security number are off by one digit. Equifax combined us into one person. 

Second, in like XXXX or XXXX my identity was stolen, and my mailing address was forwarded fraudulently, and equifax still lists that as one of my addresses.
Complaint sub-issue: Can't get other flexible options for repaying your loan

In XXXX of XXXX I cosigned a student loan for my brother to go to the XXXX XXXX XXXXXXXX. In XXXX of XXXX my brother passed away, still owing {$100000.00} on the loan. On XX/XX/XXXX I contacted Firstmark Services to inform them of my brother 's passing. On XX/XX/XXXX I paid Firstmark Services {$1700.00}. On XX/XX/XXXX Firstmark forgave the loan. On XX/XX/XXXX Firstmark returned my check for {$1700.00} stating the loan was paid. On XX/XX/XXXX Firstmark removed the loan from my online account. On XX/XX/XXXX I called Firstmark to get the check made out in my name instead of the estate of XXXX XXXX. On XX/XX/XXXX I called Firstmark and spoke with XXXX, there was no update on the check re-issue. On XX/XX/XXXX I called Firstmark and spoke with XXXX, check re-issue under review. On XX/XX/XXXX I called Firstmark and spoke with XXXX, check re-issue was approved and would be sent XX/XX/XXXX. XX/XX/XXXX Received a call from XXXX XXXX XXXX who stated that he was the Assistant Attorney General. He stated that Firstmark did not have the authority to forgive the loan and I needed to make arraignments with him to repay the loan. XX/XX/XXXX Firstmark put the loan back on my online account. XX/XX/XXXX Firstmark cancelled the check and applied it to the loan. On XX/XX/XXXX I contacted Firstmark asking to be released from the loan. They replied no on XX/XX/XXXX. At the time I cosigned the loan I was able to pay it back. I'm now XXXX XXXX XXXX, with medical issues that don't allow me to do the work I was able to do 20 years ago. My brother was making {$120000.00} a year, I currently make {$30000.00} a year. After speaking to XXXX, he said they would settle on the loan if I paid 75 %. For me to pay that I would have to use most of my retirement savings, leaving me nothing to live on for the rest of my life. My other option is to pay the loan for the rest of my life.
Complaint sub-issue: Frequent or repeated calls

my business closed the merchant account with the XXXX XXXX  XXXX at the end of XX/XX/2019, and they said they'd send the email for return merchant card machine to my email. But I didn't received it at all after 3 weeks, so I called them back XX/XX/2019 and they sent the information, it was sent to the junk/scam email box. I sent the machine out XX/XX/2019 and was delivered on XX/XX/2019 at the XXXX office as they required. yesterday XX/XX/2019 I was called so many times by debt collection company CFM ( Capstone Financial management, XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX, ( XXXX ) XXXX ) for asking to pay the charges over {$2000.00} for not return the merchant credit card machine to XXXX XXXX XXXX ( XXXX ) firm. The CFM and XXXX didn't send me any notification letters about the debt and not receive the machine for 4 months from the date I closed my account with XXXX and sent the machine back to the XXXX. The Capstone Financial firm did illegal/fraud action when calling my store to ask money as I know the debt collection firm will always send the notification letters details about the debt collection, reasons, company information, .etc.. .They waited for long time so they could try to scam to get money from me cause they know it's hard to track the shipping and with the USPS ( just 120 days for tracking records ). I received the email from Total merchant on XX/XX/2019 for information of return machine, and this email was sent to the scam/junk email ( I didn't know what wrong with the XXXX firm, like scam firm ), i had to move that email to my normal email box. I had all records for shipping sent out on XX/XX/2019 and the package was delivered at XXXX office on XX/XX/2019. Please help me to investigate and audit these 3 businesses ( XXXX XXXX XXXX XXXX, Capstone Financial management XXXX, XXXX XXXX XXXX XXXX ) and please Help me solve this issue, give back the right for me and my business 's reputation as my business didn't owe any money or equipment to these companies. And keep these companies away from trying to scam money from more people, more businesses.
Complaint sub-issue: Problem getting my free annual report

I understand I 'm entitled to a free XXXX credit report when I am a victim of fraud, which I have been. However, there is no one to talk to at the XXXX credit bureaus and no way that I have seen online to order a XXXX free report.
Complaint sub-issue: Attempted to collect wrong amount

I've been in dispute with XXXX XXXX with a debt that they think I've owed. The dispute started in 2019 when XXXX XXXX unilaterally changed the terms of service by changing the billing from prorating to monthly cycle. In my previous complaint to CFPB about XXXX XXXX, I presented my case and XXXX XXXX was not able to prove that it had communicated with me via any email, phone, in statements for paperless billing consumers or any other forms that are applicable to paperless billing consumers about this change and I wasn't aware of this change until I ended my services with XXXX XXXX. I disputed the debt and XXXX XXXX and I have been hung on this issue. Currently, XXXX XXXX has sold the wrongful billing statement to different debt collection agencies over the years and now I'm being harassed by different debt collection agency every year with a disputed debt Validation Letter and hence I now have to deal with said agencies. The new agency is IC, systems to whom the debt has now been sold to and despite explaining to them the issue, this process is not working and I'm afraid this debt with show up my credit report despite it being fraudulent. I, request, IC systems via CFPB to immediately cease any attempts to report this to credit agencies without further as this debt is fraudulent.
Complaint sub-issue: Information belongs to someone else

I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX XXXX, VA XXXX ; XXXXXXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX ; XXXX XXXX Date of inquiry XX/XX/XXXX ; XXXX  Date of inquiry XX/XX/XXXX ; EQUIFAX MORTGAGE SERVI Date of inquiry XX/XX/XXXX ; XXXX XXXX XXXX of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX ; XXXX  Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX ; XXXX XXXX Date of inquiry XX/XX/XXXX ; EQUIFAX MORT Date of inquiry XX/XX/XXXX ; XXXX XXXX  Date of inquiry Date of inquiry XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I filed a report with the FTC. The following accounts that are on my Credit Report do not belong to me. Please reference the attached files.
Complaint sub-issue: Information belongs to someone else

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported in completely accurate and correct. The following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX The listed items is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation.
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Problem with additional products or services purchased with the loan

I was sold as were many customers a lemon from XXXX carmax car lot. these lemons are sold upside down so that no bank will refi them. 2:1 ratio. refuses to remove data from credit files and I visited XXXX XXXX XXXX facility 2 yrs ago 3x for same issue and was told could not resolve it. has battery vampire drain and fuel pressure issues know to manufacturer which is why line changed with future models.carmax refuses to acknowledge complaint under tila and lemon law. GAP insurance was forced to me at the dealership because the loan was upside down. I was not given the choice. I had custom nuts I did not authorize on the vehicle and when it broke down outside XXXX one XXXX I told the XXXX to buy the car back and keep it. He refused to answer me and let me go in the red to repo the car. I dont want a lemon, that wasnt the deal.
Complaint sub-issue: Account information incorrect

XX/XX/2020 XXXX  XXXX. XXXX  XXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

XXXX  XXXX COLLEGE/TEK-COLLECT XXXX Provide Physical Verification UNVERIFIED ACCOUNT INCORRECT BALANCE * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You
Complaint sub-issue: Billing dispute for services

I have been in contact with fig loans on numerous occasions. Back in XXXX I got a notification that my account was past due and that they would like to work with me to get the debt settled. I contacted them only to be told there is nothing they can do to help me. I logged in around XX/XX/2021 to their website and it showed no payment due until XX/XX/2021. On the morning of XX/XX/XXXX I got a notification that fig loans reported a late payment to my credit report dropping it XXXX points. I contacted them to be told no payment is due till XX/XX/2021. Then on XX/XX/2021 the same thing happened again. Another late payment was reported to my credit report. I reached out to fig again to be told that Im not due until XX/XX/2021. Then I demanded that fig XXXX remove the late payment off my credit report and they refuse then after I told them I will be contacting CFPB, XXXX and my attorney if this wasnt fixed. Then they emailed me back saying my payments are late and that once its paid off they will remove it from my credit report. All the information is the complete opposite of what I was told previously and today. Fig loans still refuses to remove the late payments off my credit report.