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

TO WHOM IT MAY CONCERN.. XXXX XXXX  XXXX  ( XXXX # XXXX ) has violated the Fair credit act by Submitting incorrect information on my credit report.. 
The credit bureaus ( equifax, XXXX, and XXXX  have also violated my rights by not Properly investing the account for validity.. No contract with Balance and signature has been produced.. 
THEY SUBMITTED MULTIPLES BALANCES ON MY CREDIT REPORT AND HAVE THE ACCOUNT SHOWING AS WRITTER OFF AND OPEN AT THE XXXX XXXX 15 U.S.C. 1681Sec 604 a sec 2 I would like to know how this account was validated and who validated it?
Complaint sub-issue: Their investigation did not fix an error on your report

I did not receive a reasonable investigation regarding accounts which are listed within my credit report in error. The credit reporting bureau referenced continues to verify and validate the following accounts as accurate when they are not valid and do not belong to me. 

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: Deposits and withdrawals

My account has not balancing in lines with my bank Citibank. I can make a deposit of XXXX and the next morning the bank has my balance at XXXX. I called and tried to sort it out but I was not able to. Citibank is also changing the order of transaction to charge a nsf fund dee. Fir examples I cam have {$500.00} in my account and make a payment for {$130.00} to someone I am requesting an audit of my account. The money I have deposited does not add up to transaction processed.
Complaint sub-issue: Cashing a check

Hello US Bank Account # XXXX US Bank deducted {$730.00} instead of {$360.00} with check number # XXXX two times to XXXX XXXX. 
I have been contacting US bank many times but they are not helping me and not refunding my money. 
It will really help me and my family if you please help me to get my money back. i.e {$360.00} Thank you
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX card told my son that I owed a debt. You- referes to XXXX  card. You violated 15 U.S. Code1692 specify section b. When you told my son that I owed a debt. 
Our agreement is now void. Please remove from credit bureaus and eliminate the balance. 
Per 15 U.S. Code1692 the civil liability plus legal fees will exceed total amount owed. To save time and money, I recomend we settle, in the method listed above. Are you willing to work with me, or against me?
Complaint sub-issue: Attempted to collect wrong amount

I paid off my debt for : UNIFIN INC . 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX AMOUNT : XXXX Debt was paid off, and negotiated from the original amount of {$2100.00} to {$1300.00}. 

Debt was supposed to be paid off and also supposed to be deleted off my credit report. 

After looking at my XXXX report, THEY SUBTRACTED MY NEGOTIATED PAYMENT WHICH WAS {$1300.00} FROM MY DEBT BALANCE WHICH WAS {$2100.00} = {$730.00} LEFT OWED MY ACCOUNT WAS SUPPOSED TO BE PAID OFF AND DELETED OFF MY REPORT. 

I HAVE MY ENTIRE CONVERSATION WITH THEM RECORDED AND THEY ALSO HAVE ME RECORDED ON THEIR LINE AS WELL. 

COLORADO IS A ONE PERSON CONSENT STATE.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX XXXX****-Balance {$XXXX} XXXX XXXX***-Balance XXXX XXXX***-Balance {XXXX XXXXBalance {XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The unknown inquires listed below are unknown to me and have shown up on my credit report. 
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: Account information incorrect

To Whom It May Concern, I have had only one account with you all for 3 Years and 4 Months. With that account, my debit card expired XX/XX/XXXX and you never sent out a new card. I called and advised that my card was expired in XXXX and you all advised that you would send me a new card and my account is still open and active. 

However, you gave me a new card number for some reason and created a duplicate listing on my credit report. You sent me a new card with a new card number XXXX which should not have resulted in you changing my card number as the original card was never lost or stolen. The card had only expired and I never requested for the card number to change. However, there should not be two listings on my credit report.

You need to remove the Closed Accounts you are reporting to all three credit bureaus.

You have the following listings on my credit report : *Both Accounts have an Open Date of XX/XX/XXXX and I have only one account with you but two accounts on my credit report. 

XXXX - CLOSED XXXX - OPEN
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, Equifax and XXXX are reporting derogatory info on my credit file. A firm named XXXX co dc is reporting a charge off. Have no idea who or what this firm is or sells. Requested CBR 's  remove, they say will not do. Sent me nothing to substantiate account.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled personal information and allowed their systems to be compromised, resulting in my personal information to be stolen by malignant actors
Complaint sub-issue: Account status incorrect

The credit bureaus have failed to address an account on my credit reported by XXXX XXXX which is not being reported accurately. My disputes of this concern have not been responded to. The account being reported by XXXX XXXX has reported 120 days late each month for over 9 months while reporting the last payment date of XX/XX/2020. The account was initially charged off in XX/XX/2020 but was reopened a few months later. If you review the past due amount it will clearly show that the amount is far past due. How could this be accurate? Unfortunately, the vehicle that I was financing blow a head gasket and is in need of a new engine, financially this has put me in a bad place. However, I expect the account to reported accurately. The creditor and the credit bureaus are in direct violation of the FCRA as it pertains to reporting information correctly and responding to disputes.
Complaint sub-issue: Investigation took more than 30 days

I previously disputed Lexis Nexis case # XXXX in XX/XX/2022 in regards to an unverified bankruptcy on my credit report. This delinquent account is also reporting on my XXXX credit report. I called LexiNexis today ( XX/XX/2022 ) and was told that the dispute was still in progress and it has been over 30 days from when I disputed it. I also have a letter from the courts stating that they do not report to credit Bureau. The federal law requires them to respond within a 30 day window and they did not.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX  Account 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 a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

Mixed file with XXXX XXXX, which has caused our credit reports to merge.
Complaint sub-issue: Didn't receive notice of right to dispute

ANFI at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX has been sending me collections notices in the amount of {$600.00}. The collection has been reported as pasted due balance. I don't know this company. Have never done business with this company. This company does not have a contract with my signature.
Complaint sub-issue: Don't agree with the fees charged

XX/XX/XXXX To Whom It May Concern : I am writing this letter in regards to payments made on my federal student loans which should qualify under the public service loan forgiveness program. 

From XX/XX/XXXX through XX/XX/XXXX I was in repayment which was the income based repayment plan. On XX/XX/XXXX it states that I was in forbearance, but then was placed back in repayment which again would ( or should ) have been the income based repayment plan on XX/XX/XXXX. This continued through XX/XX/XXXX. All loans should have been on income based  repayment from XXXX. Due to low  income at the time this generated a monthly balance of {$0.00} during this time. There were no changes in loans or employment during this time period and so these loans should have remained under the same umbrella of the income based repayment plan. 

On XX/XX/XXXX the loans were placed in forbearance when all student  loans were placed in forbearance due to the pandemic. From XX/XX/XXXX through XX/XX/XXXX documentation has been submitted for a qualifying employer and these dates continue to state that they were ineligible under the public service loan forgiveness program. 

The months from XX/XX/XXXX through XX/XX/XXXX I did not receive a W-2 from a 501c3 organization, but did all of my work for a 501c3 organization. I understand this may disqualify those months, however, due to the pandemic and significant need for health care workers during that time it would seem that if work was being done at a qualifying institution and performing qualifying duties that these months should qualify as well. 

I have contacted the FedLoans program several times over the past six months regarding these issues and have not seen any of this information updated to reflect the above changes. I have included some information below, but please let me know if more detailed information is needed. 

While the Public Service Loan Forgiveness program was not in effect until XXXX, I have been committed to working for non-profit organizations and have been passionate and committed to serving the underserved populations since the year XXXX. It is my hope that the above can be corrected in a timely fashion and that the time I have served be recognized appropriately. Thank you for your assistance in this matter.
Complaint sub-issue: Reporting company used your report improperly

My info was leaked during the Equifax hack.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX Account # XXXX {$520.00} XXXX XXXX XXXX XXXX  Account # XXXX {$120.00} XXXX XXXX XXXX Account # XXXX {$470.00} XXXX XXXX XXXX Account # XXXX {$1300.00} The above accounts were opened fraudulently in my name. Please remove them immediately from my credit profile due to identity theft under section 605-B of the FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

MY NAME IS XXXX XXXX AND I'M SUBMITTING THIS COMPLIANT ON BEHALF OF MYSELF AND MY WIFE BECAUSE OUR MORTGAGE IS NOT REPORTING TO OUR CREDIT REPORTS. WE CONTACTED XXXX XXXX AND THEY SAID THEY REPORT EVERY MONTH SO IT MUST BE THE CREDIT BUREAUS AT FAULT.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$8100.00} ; XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Account status incorrect

This complaint is about AFNI and their unethical business practices. The debt they are attempting to collect is from a XXXX account that unfairly charged me cancellation fees after they verbally confirmed that due to moving to an address outside of their service area, I will not have to pay the {$250.00} fee. 

AFNI reached out via mail in 2018 about the debt, but has been listing the debt as " new '' on collections which is inaccurate. This unscrupulous practice has wreaked havoc on my credit score as a result, and this misrepresentation on my account is simply not true. Based on other reviews on XXXX it appears this is one of their regularly used tactics which is shameful to say the least.

They should be listing the ACTUAL date of the initial debt and not lie when reporting it to credit bureaus.
Complaint sub-issue: Information is not mine

My credit report is showing I am in collections both for XXXX XXXX and XXXX to an address in XXXX MA. The problem is I have never been a subscriber to XXXX and I have never lived outside of XXXX, MA
Complaint sub-issue: Personal information incorrect

I previously sent three update letters to all three credit bureaus, which are XXXX XXXX  and Equifax. I've sent them many many different letters on different occasions asking them to remove old, outdated information in terms of addresses, phone numbers, and employment, and some of the information that is on my credit report are addresses that I never lived at, so now I'm filing a complaint against all three of the credit bureaus because they have failed to remove old, outdated information and these credit bureaus are also in violation of the privacy laws because they only supposed to keep my payment history but not my addresses and other personal information.
Complaint sub-issue: Their investigation did not fix an error on your report

There is a collection account on my credit report for XXXX that was resolved in 2019 and I have asked XXXX to remove it and it was not removed. I sent a complaint to XXXX, XXXX and Equifax to have it removed and all they keeping saying is the debt is being reported correctly, it is not. This debt was resolved and Cancelled by XXXX and needs to be Removed from my credit report. Attached is the cancellation of debt from XXXX showing this debt was cancelled.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX - Account is paid in full but still shows XXXX. Has not been reported since XX/XX/2022 2022
Complaint sub-issue: Investigation took more than 30 days

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Complaint sub-issue: Account status incorrect

In XXXX I purchased my home in XXXX idaho through loan servicer XXXX XXXX who sold the loan to the current " servicer '' Loancare , LLC. They never properly notified me of the initiation of transfer nor did I receive a new agreement or packet with necessary information from the new servicer. I have requested several times but no success. I have tried to call to speak with someone to clarify terms and such but I am never able to get anyone on the line. Recently I decided to purchase a second home and to refinance with a completely different company for this loan all together. I have never felt secure since the transfer as I am unable to communicate with them entirely. Upon reading some reviews and how horrid they have done likewise consumers I decided to act immediately. I requested a payoff statement, when I received it, it stated I was late on a payment which is not accurate. I pay the same time same way each and every month so I knew there was no way to have done so. I tried to contact them, again no success. XXXX XXXX I logged on as usual to make my payment, the welcome page generated and I clicked the online payment link but rather than being redirected to the appropriate page a message came and said unavailable to you at this time please contact them at the listed phone number between specific hours. So I have been attempting to contact them since again no success. I have never received any mail, notice, email, or phone call of any issue. Since I was unable to pay online I submitted a check through bill pay from my bank instead. 
Yesterday XXXX/XXXX/XXXX I received a letter that states I am in preforeclosure for being behind in pay. I got on my credit monitor and saw the months in which they note I was delinquent or did not pay ... all months have been paid. I have receipts to show such to be true. I never had an issue or knew of a potential for issue until I was not able to log into my account as usual. I disputed the information with the credit bureaus but no change has been made. I have documentation that I have sufficient income to be loaned to, that I have always paid payments and on time, and that I in fact have sufficient enough income to purchase another home as desired however with the havoc on my credit this is causing my credit score is quickly diminishing ... from high 700 's to low 600 's today. 
I need this fixed and resolved and to be able to refinance with another lender asap. I am at a loss and do n't know what else or at all to do.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX was removed from my credit report as I never had a loan with them. Theyre now reporting that loan again under a creditor called Jefferson Capital System.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2022 I submitted a complaint through the CFPB, In accordance with the fair credit reporting act accounts XXXX XXXX & XXXX XXXX XXXX has violated my federally protected rights to privacy and confidentiality under 15 U.S.C 1681 Equifax stated XXXX XXXX XXXX XXXX XXXX XXXX XXXX was property investigated but how is that possible if the Account type is inaccurate, the account status is inaccurate, open date is inaccurate, the high credit limit is inaccurate, the date last active is inaccurate, and date last reported is inaccurate the payment history is also inaccurate. This ground for removal. 

They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Complaint sub-issue: Account information incorrect

Because the credit bureaus DO NOT update real time they continue to post incorrect and higher balances impacting our credit scores and denying available credit. [ DTI ] Disputes have been made consistently but it is impossible for them to correct because lenders do not report but only negatives Real Time! This creates a financial hostage situation you the CFPB evidently do nothing about nor does Congress. Right now today 5 creditors balances incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. My information was impacted by the equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX In accordance with the Fair Credit Reporting act XXXXXXXX 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: Account information incorrect

In accordance With the fair credit reporting Act XXXX Account # XXXX XXXX, has violated my rights. 

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

15 U.S.C1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently conducted a ANNUAL review of my Credit Reports. I noticed a HARD INQUIRY, by CLARITY SERVICES INC, on my XXXX  Credit Report ( See Attached ). I called CLARITY SERVICES INC and they said they are PART OF XXXX, and they did a HARD INQUIRY on my XXXX  Credit Report because of a Payday Loan I applied for in XX/XX/2018. I have never heard of CLARITY SERVICES XXXX, and when did Payday Loan companies start doing HARD INQUIRES on applicants ' Credit Reports?! 
I asked CLARITY SERVICES INC to mail me a copy of the Payday Loan Application that I signed CONSENTING to a Consumer Credit Report Inquirythey sent a packet of worthless paperwork, but they did not send the documentation that I asked for.
Complaint sub-issue: Debt is not yours

Complaint previously filed 2 times with CFPB and Company continues to put collection status on my credit report for fraudulent debt claim. Latest XX/XX/2019 per the XXXX XXXX credit report dated XX/XX/2019.
Complaint sub-issue: Public record information inaccurate

There is a bankruptcy on my credit report that should not be reporting. My credit report has a bankruptcy listed by the XXXX bankruptcy court. I reached out to the XXXX bankruptcy court to verify that they reported a bankruptcy and received a letter stating that they do not give any information to anyone including credit bureaus. The XXXX bankruptcy court is the only ones that can verify such account other than me. There the credit bureaus are in violation of the FCRA and is reporting misleading and inaccurate information. If this alleged bankruptcy is to be continued to be reported I need physical validation Sent to me in the mail.
Complaint sub-issue: Can't use card to make purchases

I am currently in complete shock with the lack of professional support at Upgrade. 

According to Upgrade they received a letter from XXXX stating that I disputed the account. 

This is not correct! I never disputed the two lines of credit. I sent documents that you verified and opened the account. 

I was able to use the account for 3 weeks and then they blocked it from anymore purchases temporarily until I could verify that I did open up. 

I have called Upgrade over XXXX times left XXXX on their voicemail & Filed several CFPB complaints reports. I have spoken to countless representatives at Upgrade and they advised me that I would have to contact this specific department who would remove the block. They have never called me back or reply to email.