Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with personal statement of dispute

I sold a property with a mortgage attached to it. I made on-time payments for 3 years for the $ XXXX loan. I was told by the escrow agent that we would be closing before the next payment would be due. The escrow closed 8 days late. The loan was paid in full ( XXXX  ) XX/XX/XXXX though this was 8 days post the 30 day grace period though this was not due to being " delinquent '' rather due to miscommunication between the escrow, bank and loan agents. I was told that paying any payments would throw off the closing documents that were already executed. 

I spoke with US Bank, and the mortgage customer service agent was very sympathetic and thought it was reasonable to remove the delinquency notice from my credit. She requested it be removed on XX/XX/12, and US Bank senior investigators replied " no. '' I think this is entirely unfair. I was not " delinquent '' rather trying to follow directions during the closing escrow of a sale. Please help. I've attached escrow closing documents and the US Bank denial letter.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed this account several times for reporting inaccurate information, illegally re-aging this account every month, not providing proof that this account is mine, and causing harm to my over all credit. 

1. ) They have never proved paper work with my wet signature or any paper work proving that this account is mine.

2. ) Every month the date of last activity and report date is being re-aged and made made to be the most recent month 3.The open date does not match across all 3 credit bureaus 4. ) Equifax is reporting a closed collection account as open and the status as 120 days late
Complaint sub-issue: Non-sufficient funds and associated fees

On XX/XX/2018 I made a deposit of {$120000.00} from my attorney with an attorney trust account check. On XX/XX/2018 I was charged ( 3 ) {$36.00} NSF fees even though my account was not overdrawn. I believe that since PNC held funds availability on this deposit, it caused items to be uncollectible. The funds were ultimately released and the deposit cleared with no issue. No sure why I was charged three fees when I did not overdraw my account NSF or uncollectible.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Public record information inaccurate

A bankruptcy is being reported without proper verification. Company refuses to provide verification for reporting.
Complaint sub-issue: Reporting company used your report improperly

in accordance with fair credit reporting act accountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated myrights 15 USC 1681 SECTION 602 A states i have the right to privacy.

15 USC 1681 SECTION 604 a states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B A CREDITOR MAY NOT TREAT A PAYMENTON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY REASON
Complaint sub-issue: Information is missing that should be on the report

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account.

Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.
Complaint sub-issue: Their investigation did not fix an error on your report

Greetings : Under the FCRA, with any records on a person 's credit report, the listing entity must be the filer/supplier of that information. Not a third party database/legal entity. This covers trade lines, public information. Additionally, I got a letter from the Clerk of the US Bankruptcy Court in XXXX, VA stating they DO NOT supply case information to the outside credit bureaus. I have enclosed my certified mailing, along with the documentation I sent the credit bureau. 

I've also enclosed the XXXX 's response ( i.e. we have validated that some company named XXXX XXXX supplied this information. ) With all due respect, XXXX Nexus IS NOT the US Bankruptcy Court. 

Therefore, pursuant to the FCRA, I demand that this information be removed from my Credit Bureau report. 


Thanks, XXXX XXXX
Complaint sub-issue: Problem getting a working replacement card

In XX/XX/2019, I applied for and was approved for a secured Citibank Card, for which I paid a {$500.00} deposit. I never recieved the card - and since then, I have contacted the company six different times, trying to have duplicate cards sent, new accounts set up and accounts sent, and provided two different addresses. Each time I contact the company, I have spent over an HOUR on hold, only to be told " we'll fix it '' but I have yet to recieve a single communication ( or actual card ) from the company, despite 6 telephone calls, two addresses, and hours of frustration and communication. When I told the last customer service representative that I wanted my deposit returned, she told me " that's impossible '' and hung up on me. It has been four months since I opened the account and paid the deposit, but I have yet to recieve the card. I simply want the services which were promised to me. Citi 's staff is woefully undereducated as to their own processes, provide blantantly false information, and consistently fail to provide the results that they purport they are offering.
Complaint sub-issue: Card opened as result of identity theft or fraud

Tried on several occasions to resolve these accounts that were fraudulently opened and do not belong to me. I have sent validation letters and have received no proofs, original contracts, or signatures stating I am legally responsible and liable for the debts associated with these accounts that were opened fraudulently and illegally. 

Again, I have made several attempts to contest the validity of this information and this has yet to be resolved. 

My next step is legal action if these fraudulent accounts are not removed from my credit profile within 15 days.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Fraudulent inquiries on my credit report attached is documentation
Complaint sub-issue: Other problem getting your report or credit score

My Equifax credit profile is blocked from creditors and lenders. I have contacted Equifax several times to resolve this issue however my profile is still block. Furthermore there is supposedly no freeze on my report however lenders still can't access my credit profile. The lender that is having problems pulling the report is XXXX XXXX XXXX by way of XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting collections that are a direct violation of the F.C.R.A. XXXX XXXX XXXX is reporting a collection on my credit report partial account numbers - XXXX XXXX. ( Please see pages 33 and 34 of the attached credit report. ) These private student loans were taken out in 2007. I was unable to continue to make these payments. XXXX XXXX XXXX sued me and lost because the statute of limitations had ended. Attached are copies of the Judgment granted in my favor. Consequently, XXXX XXXX XXXX sold this debt off to a third party who is now reporting this as a collection. These accounts should never have appeared on my credit report. This incorrect reporting is harming my credit scores.
Complaint sub-issue: Their investigation did not fix an error on your report

After reviewing my Equifax credit reports, I noticed several discrepancies related to accounts opened and balances owed. I contacted Equifax on XX/XX/XXXX to open up a dispute on the balance reflecting on two accounts. The first, on my XXXX   XXXX XXXX XXXX XXXX, Equifax is reporting {$29000.00}. The second was for a XXXX XXXX XXXX XXXX loan that reflects open with a balance of {$340.00}. Equifax emailed me on XX/XX/XXXX stating that the investigation was complete, verified and accurate. This information is absolutely false, and a direct violation of my FCRA rights. I am unsure how Equifax can make false statements and claim they verified information in 2 days, with 1 of those days being a holiday. 

The balance on my auto loan as of XX/XX/XXXX is {$19000.00}. This is a {$10000.00} difference that is affecting my ability to get approved by lenders. The second account, the installment loan, has been paid to a {$0.00} balance and closed as of XX/XX/XXXX so for an entire year, Equifax has reported incorrect information and when it was brought to their attention, they failed to do a thorough investigation, which has caused incorrect information to continue to reflect on my report.
Complaint sub-issue: Account information incorrect

LEXIS NEXIS continues to report inaccurate information on my credit report. I have attached documents showing that they stated that they have verified an inaccurate reporting of bankruptcy. I have requested their method of verification according to Fair Credit Reporting Act 611 ( a ) ( 6 ) and ( 7 ) from the original furnisher and Lexis Nexis responded in writing that they contacted US Bankruptcy court in XXXX MS . This is invalid and inaccurate information and I have attached the letter from the US bankruptcy court as evidence that they do not supply any information to any of the credit bureaus. Lexis Nexis has refused to supply me with the name, address, telephone number of anyone from the US bankruptcy court in XXXX MS that they contacted.
Complaint sub-issue: Account status incorrect

Been trying to have XXXX fix with little or no response. XXXX is reporting in the months of XXXX and XX/XX/XXXX as late payments of 90 and 120 days on XXXX individual loans which are showing XXXX missed payments for these XXXX months. No 30 day warning given. 

The account had never began getting payments let alone should only be at the most XXXX missed payments not XXXX. I am enrolled in the payment based on income. 

Tried requesting an update multiple Times throughout XXXX and XXXX. This mistake is causing an extreme hardship on my family. XXXX states problem has been resolved when it has not been resolved. 

XX/XX/XXXX my accounts causing a score of XXXX and denial of any apartment I apply for.
Complaint sub-issue: Debt is not yours

Collector advises account was opened XXXX i have no knowledge of the agency nor did i open an account with them- XXXX  has no record of debit owed- XX/XX/17 XXXX made an escalation of this account due to poor celluar service- XXXX operator # XXXX that advised that no further action would need to be taken on our part.
Complaint sub-issue: Account information incorrect

In accordance with t

he Uniform Commercial Code Article 9-210 I am requesting accounting of the alleged debt. This information has has violated my rights under the FCRA. This has caused mental stress, loss of opportunities, Credit loss to say the least. I am unable to purchase a home for my family. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof, update my payment history, remove negative remarks and change to PAANL status ( Paid as Agreed, Never Late ). I will be seeking { {$5000.00} } in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Complaint sub-issue: Debt is not yours

I received a collection letter from a company called Unifin , Inc. They are a third party collection agency and say that I owe a debt to XXXX XXXX XXXX from late XXXX. 

If you look at my credit bureau you will see that I have paid all of the collections that were reporting as of XXXX of XXXX. If this was a valid debt I would have paid it. It is not. When I called unifin a few minutes ago they had dates but not where the alleged debt was incurred. 

This isn't mine.
Complaint sub-issue: Account status incorrect

There is incorrect information on a credit report with one of the credit reporting agencies. 
After applying for a credit card with XXXX XXXX XXXX, I was denied a credit card because of the following reason : You have a closed account with an outstanding balance from XXXX XXXX XXXX.
Complaint sub-issue: Problem making or receiving payments

My work sent me a payment on XX/XX/2018 however the payment has not been deposited into my account yet. The funds are showing as withdrawn on their end and I have provided all of this information to my bank. My work used the same information to send the payment as they have for the last two years, however suddenly Ally " can't find it '' and refuse to do anything to look into the situation despite being provided the proof showing that they took the withdrawal from my work 's bank.
Complaint sub-issue: Report improperly shared by CRC

There are several inquires listed through a company named XXXX. I did not give anyone authorization to pull my credit XXXX/XXXX/2016, XXXX/XXXX/2016 and XXXX/XXXX/2016. I am disputing this and disputing with the actual company. This has to be against the law. Why would anyone pull their credit three times in one month?
Complaint sub-issue: Their investigation did not fix an error on your report

I had medical bills that were originally disputed to the provider and as a result they turned them over to collection. I was notified by the " collection agencies '' of the accounts and promptly disputed within the FCRA guidelines. I was notified that these accounts, shortly thereafter were reporting on my credit reports at the three ( 3 ) credit bureaus.I explained in my disputes that they were reported due to unauthorized services during a hospital stay and services that were bordering on malpractice i explained that I had discussed this already with the providers directly. .Additionally noted that the " collection agencies '' did not comply within FCRA guidelines and respond to my disputes but merely put the accounts on my credit reports within days of their letters.

XXXX and Experian both removed the accounts from my reports. 
XXXX refuses to do so and after several disputes filed and phone calls they say that I should of contacted them and not the " collection agencies :. This makes absolutely no sense as how can I dispute something that is not on my report, makes NO SENSE. 
They continue to refuse to listen to reason.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly a charge-off in the amount of {$4400.00} on the XXXX/XXXX account number XXXX. ( Please see page attached from my credit report. ) I was in a car accident in XX/XX/2014 and the vehicle was a total. My insurance covered the full amount for the automobile and therefore no outstanding balance is due. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX bankruptcy 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the accounts in my Credit Report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Trouble closing card

www.selflender.com.. They will not refund my money and they keep charging my bank after i closed the account and refuse to pay me my money paid onto the credit rebuilder program. I need the money asap.
Complaint sub-issue: Information is not mine

Called XXXX to remove inaccurate item, they told me the address does not match and the phone number does n't match, but are not helping in any way to remove it. Can not get through equifax questions to initiate dispute.
Complaint sub-issue: Frequent or repeated calls

I received 9 phone calls between XXXX and XXXX on Saturday XX/XX/2018. Not one voicemail was left. This happens everyday continuously.
Complaint sub-issue: Account information incorrect

After i closed my Store Card on XX/XX/2019 with MACYS, They " Mistakenly " Charged my Account with {$350.00}. 
which is showed in my credit report 5 Late Payments since i noticed! 
Which is drastically Dropped my Credit Score. and prevented me from applying for Credit card.
Complaint sub-issue: Their investigation did not fix an error on your report

Enhanced Recovery inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. To that end, when I retrieved a copy of my credit report in XXXX, XXXX and XXXX 2019, I noticed this inaccuracy and immediately sent a letter to the credit bureaus followed by Enhanced Recovery. 

I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary. To date, I have yet to receive any correspondence from them. My certified receipts reflect that they received my dispute in XXXX and XXXX of this year. They did not provide any documents that bore my signature nor did they provide the original deliquency date nor a complete accounting of the alleged debt. 

The first violation is that ERC inserted this unverifiable, inaccurate entry on my report without providing me the any time to dispute the validity of their alleged debt and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of my dispute. These are direct and blatant FDCPA violations. ERC must immediately delete this erroneous entry from all of my credit reports. 

If they indeed are alleging that I owe them for a XXXX bill, why then did they not provide the original terms of agreement as well as any other updated conditions and terms of agreement? Why did they not provide a copy of the ledger to reflect any payments to them? Why did they not provide copies of correspondence they have sent? Why did they not provide any documentation to substantiate the alleged {$260.00}? This number is arbitrary and lacks veracity. Enhanced Recovery is refusing to respond to my requests, yet they continue to report this inaccurate, unverifiable entry. Delete this entry immediately and provide me a copy of the correspondence sent to the bureaus to direct them to remove this erroneous entry.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are reporting incorrectly a charge-off in the amount of {$5400.00} on the XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was sold at auction and sold for more than the amount due so consequently this account needs to report a {$0.00} balance. Even after the vehicle was sold, an increased balance due is being reported. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this line item however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
permission. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX & XXXX XXXX XXXX : {$250.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4700.00} ; XXXX XXXXXXXX Balance : {$6700.00} ; XXXX & XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX