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

My credit report is showing me late 4 times ( XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I have not been late ever. I pay my full mortgage each month by sending in bi-monthly payments. XXXX XXXX has acknowledged this and keeps saying that they will correct it with the credit bureaus. However, it remains incorrect with the credit bureaus. I have filed several disputes with the credit bureaus. Each time the disputes are closed it says the information is updated but it remains the same. 
I have been trying to refinance each month since XXXX. Each time the process comes to a halt because XXXX XXXX still shows me late on 4 payments. Even though the reps can see that I have not been late they tell me that there is nothing that they can do and that I should try again next month. This is completely unacceptable. I could have possibly missed some of the best interest rates for refinancing due to bad customer service from XXXX XXXX. Although I have been trying to refinance with them this makes me want to refinance with a different company once this is resolved.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Information belongs to someone else

Equifax and XXXX consistently reinserts accounts involved in ID Theft from 2016. This happens. every two months. They will remove the information then reinsert the information without any notification or letter.
Complaint sub-issue: Information belongs to someone else

Recently applied for VA home loan and was told that I had some collection or derogatory marks which I did not recognize. I believe these accounts were opened fraudulently without my authorization. They are reporting as XXXX XXXX XXXX, 08 XXXX XXXX, 10 XXXX, 11 XXXX, XXXX XXXX. None of which I have ever done business with. Please help me rectify this matter and get it resolved in a timely manner.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Reporting Agencies to reinvestigate the disputed account reporting erroneous information on my Credit File. I am formally requesting with this CFPB Complaint to remove the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : XXXX XXXX XXXX XXXX Balance Owed : {$810.00} This kind of account is in fact posted as a charged-off account, be sure you let me know precisely why there is a balance showing on the document if it is a charge off? The account balance is actually wrong, make sure you turn it to XXXX or get rid of the item fully. Please make sure you also produce documentation to verify all the charges and credits of this alleged account that led to the quite high credit number you have exhibited on my record. My demand to supply this documentation is usually a proper information inquiry in accordance with my privileges presented through the fair credit billing act. If you're unable to grant this information per my civil rights demand, you should straightaway erase this particular invalid entry.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently sent a letter to the credit reporting agencies regarding inaccurate things on my credit report. I asked for the debt to be validated to show this is my debt. I did not deny this debt Im just not aware of it. The creditor updated the credit reported stating the debt is valid but failed to send me any information on how it was validated. I know I have the right to know that. Im not paying a debt thats mine until Im shown proof its mine. I think this needs to be investigated or they need to remove it from my report because it has caused me to be denied for the purchase of a home. I think that this is just wrong, and I will not let the creditors ruin my reputation with lenders because of the inaccurate and misleading information they are spreading by selling my information to lenders. I feel like Im being taken advantage of and being ignored of my disputes. The law plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these accounts to be deleted immediately or I will file for litigation due to the stress they have caused me. I have sent the letters to the actually creditor and they have failed to respond.
Complaint sub-issue: Information is missing that should be on the report

XXXX Account # XXXX Dear Who ever this concerns, On XX/XX/XXXX I Disputed XXXX Account # XXXX through the CFPB portal case # XXXX, because I thought this account should report as an installment loan instead of a revolving account. I was incorrect and XXXX VERIFIED this account 100 % and mailed me the original contract that explains it would be an revolving credit card account. 
However, EQUIFAX decided to REMOVE this entire account from my credit report although XXXX has VERIFIED this account and without my request. No other credit bureau has done such a thing. 

I have reached out to Equifax multiple times and XXXX multiple times and the account is still not reporting to my Equifax file. I have paid this account and would appreciate if it could reflect my payment history greatly on my Equifax file. 

Equifax claims it's an issue with XXXX, XXXX claims it's an issue with Equifax. I AM FED UP WITH THE IGNORANCE! I DEMAND THIS TO BE FIX WITHIN THE NEXT 30 DAYS! I NO LONGER WANT TO BE THE MIDDLE MAN BETWEEN THIS ERROR, I DEMAND XXXX AND EQUIFAX CONTACT EACH OTHER DIRECTLY! 

XXXX RESPONSE : CFPB Case number # XXXX. 
Dear Mr. XXXX : We are in receipt of your correspondence to the Consumer Financial Protection Bureau regarding your XXXX XXXX XXXX account. Your correspondence expressed concern that you would like for your XXXX XXXX XXXX account to be reported as an installment loan rather than a revolving line of credit. Our records indicate that on XX/XX/XXXX you opened a XXXX XXXX XXXX   account to finance a purchase in the amount of {$2400.00} with XXXX XXXX XXXX. The XXXX XXXX XXXX account is a revolving line of credit that can be used to make additional purchases with XXXX and accordingly is reported as such with the credit bureaus. Please note that prior to accepting the offer of credit you were presented with the terms of the account, including the credit limit and the cardholder agreement, which discloses that this account is a revolving line of credit. Please note that you may pay more than your required minimum payment at any time to reduce the outstanding balance that is reported to the credit bureaus. We hope this explanation addresses your concerns. Thank you for being a valued XXXX XXXX XXXX customer. Sincerely, XXXX XXXX On behalf of XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX is the creditor of the XXXX XXXX XXXX  account.
Complaint sub-issue: Debt was paid

On XXXX XXXX XXXX I received a collection request letter from ERC for a supposed past due bill of {$69.00} from XXXX. The past due bill was for a final payment from when I moved in the XXXX of XXXX. The final payment had n't been automatically taken out after I moved and set up a new account. When I was informed about it in XXXX XXXX I called the billing department at XXXX on XXXX XXXX and arranged for the payment to be debited from my XXXX  XXXX XXXX checking account. I was then given a confirmation number that I was told proved I paid the remaining bill. I did n't hear anything from XXXX about the account until I got the collections letter on the date previously mentioned. 

I contacted a XXXX agent over the phone to try and resolve the issue. I was told that I would have to go to my local XXXX office to resolve the issue. On XXXX/XXXX/XXXX I went into the office. I gave them the confirmation number. I was told that their computer said that I did n't pay the bill in XXXX of XXXX despite that I had a confirmation number from XXXX of XXXX that was to prove that I paid the amount. I asked them how I could prove that I had paid the remaining balance in XXXX of XXXX other than using the confirmation number I had been given. I was told that was n't enough proof and I would have to get a statement from my bank. 
I went to my bank and asked for proof of the transaction. My bank gave me a printout of the transactions that showed that on XXXX XXXX XXXX {$69.00} was debited from my account to XXXX. 
I brought the statement back to the XXXX office to show them. After scanning the statement I was told that the agent there could n't do anything and the issue was being sent to billing and that a ticket was being created about the issue and I would receive a call in 2 to 3 days. After 7 days I had yet to hear from anyone at XXXX. I called them. At first I was directed to call the collections company and take it up with them. The agent gave me contact info for a completely different collections agency. I contacted them and they had never heard of my account. I then called the collections agency, ERC, that I got the letter from. I was told that they had not heard from XXXX and the account was still open. 
I called XXXX back and was connected with a senior representative. She told me that the ticket had been closed on the same day it was made and that the agent noted that there was not enough proof that I had paid the bill. I asked her what more proof I could give to prove that I had paid the bill. She said that there was no way I can prove it and that there was nothing else XXXX would do and I would just have to pay the collection agency. 
I am very distressed by this. The confirmation number and a statement from my bank were not enough proof. How is anyone safe from constant continues billing. If there is anything you can do to help me with this issue I would greatly appreciate it.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 status incorrect

I settled my debt with XXXX consumer in XXXX of 2021. During the process I was told that my account would be removed from my credit report following payment, as it is reporting delinquent. I had submitted multiple disputes through all three credit companies with supporting documentation. The reporting has been removed from my XXXX report but not from XXXX and Equifax. Beyond the settlement, XXXX was subject to a lawsuit that agreed to delete defaulted loans, in which my loan meets the criteria. I am under substantial emotional stress as a result of this delinquent account.
Complaint sub-issue: Investigation took more than 30 days

On XXXX sent in letters regarding inaccurate reporting false items on my credit report and I have not receive any respond yet. I feel like I'm being ignored of my disputes. This deceptive practices by the bureaus.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

ON XXXX/XXXX/XXXX GATEWAY ONE LENDING APPROVED A AUTO LOAN FOR {$28000.00}. THE AUTO WAS INVOLVED IN AN ACCIDENT WHERE IT WAS PAID OFF BY XXXX XXXX AND US WARRANTY ( GAP INSURANCE ). 
GATEWAY ONE LENDING HAS REPORTED THE ACCOUNT AS A CHARGE OFF ACCOUNT. IN THE CREDIT REPORT IN THE REMARKS SECTION IT REPORTED " UNPAID BALANCE CHARGED OFF '' FOR {$5900.00}. I CONTACTED THEM AND THEY SAID THAT BECAUSE THE US WARRANTY PAID LATE THAT THEY REPORTED THE CAR LOAN AS A CHARGED OFF. I STATED TO THEM THAT I MADE MY PAYMENTS UNTIL THE CAR WAS PAID OFF. I HAVE TRIED EVERYTHING TO GET THIS RESOLVED BUT NEITHER GATEWAY ONE LENDING, US WARRANTY, OR XXXX HAVE A CORRECT ANSWER OR SOLUTION TO THIS PROBLEM. 
THE LAST PERSON THAT I TRIED TO CORRECT THIS PROBLEM WITH WAS A : XXXX XXXX, XXXX. THIS REPORTING IS AFFECTING MY CREDIT SCORE AND I HAVE ALREADY LOST XXXX JOBS DUE TO THIS INFORMATION. THIS IS NOT FAIR.
Complaint sub-issue: Account status

During a period between 2009-2014 I was required to visit the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. At the time I was without any form of insurance, and applied for and was approved for what was then termed " XXXX XXXX '' which was sponsored and paid directly by XXXX for uninsured, low-income patients. However, the application was apparently mishandled and the information never properly submitted, so I now have multiple negative credit items reflected on my credit reports ( for several visits, but all covered by the submitted XXXX application at the time ) Due to the manner in which billing is done at the medical center, these negative items are being reflected as different credit items from several departments, and none of them acknowledge or notate the approved XXXX XXXX assistance by XXXX. The items listed and in need of removal include the following : XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX REC XXXX XXXX XXXX XXXX $ XXXXMy credit score is at least XXXX points lower than it should otherwise be as a result of the failure/refusal of XXXX and the credit bureau 's to remove the items covered by my XXXX insurance.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

These accounts are currently in litigation and should not be reporting on my credit.
Complaint sub-issue: Debt was result of identity theft

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

All the inquiries that are fraudulent are : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
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 14 usc 1681. 

XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX has violated my rights. 

15 u.s.c 1681 section 602a states I have the rights 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 Rhenish 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: Investigation took more than 30 days

All outstanding debt for XXXX was paid in full at the time of closing my account with them. I never received any collection attempts or bills for this debt from XXXX after closing the account. Upon inquiring about the collection directly with XXXX they were not able to produce a bill or explanation for how the debt was accrued. I have yet to receive a formal response from the collection agency.
Complaint sub-issue: Debt was result of identity theft

On XX/XX/22 I received a request for payment from TRS Recovery Services XXXX Inc for {$120.00} for a purchase made at XXXX XXXX XXXX XXXX paid for by check # XXXX ( Dummy check # ) Drawn from an account at XXXX XXXX XXXX XXXX XXXX XXXX, MO contacted XXXX XXXX XXXX XXXX XXXX no account found with my name. TeleCheck Services verified the check at point of purchase ( unbelievable ). I contacted XXXX XXXX XXXX XXXX XXXX , to investigate the matter at, XXXX ( XXXX ) XXXX, never heard back from them. I contacted TRS Recovery Services XXXX Inc. and received a dispute form which I completed and mailed it back to them. On XX/XX/22 I received a TRS Forgery/Identity Theft Declaration, completed it and mailed it back to them along with all the information I had found to substantiate my claim of fraud/identity theft. The information regarding this matter was given to me by TeleCheck Services, XXXX ( XXXX ) XXXX and XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX and through my own investigation.
Complaint sub-issue: Report improperly shared by CRC

The Credit Bureaus were reporting XXXX bankruptcy 's and the courts do not verify a bankruptcy and therefore in the courts they do not verify that information, that information was pulled from a third-party reporting agency, therefore it must be deleted. ( Chap XXXX and Chap XXXX on my reports ) The courts of XXXX told me that they do not verify that information.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I checked my credit report and I noticed several inquires on my report and I tried to dispute them and the credit bureaus are refusing to remove them.
Complaint sub-issue: Personal information incorrect

Please update my personal information to accurately reflect per the attached.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My card was used by someone who was not me for multiple fraudulent charges by a company called XXXX or XXXX XXXX. I contacted DISCOVER card to point out the multiple fraudulent charges made over & over in different small amounts by a company I have never heard of. My card had been stolen from my car & I was unaware but DISCOVER card wouldnt resolve my claim even after I provided them a written out summary of charges I made VS. the summary of charges that I did not make that all show the name XXXX & a transaction type of merchandise. On XXXX there are multiple claims you can easily find showing that this company XXXX has fraudulently charged multiple other people in the thousands. I require assistance in resolving this issue since DISCOVER card is unwilling to further review this claim fairly & is punishing me for charges that I did not myself make or authorize in any way.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I 've tried numerous times to get this inquires off my credit file that I did n't authorize. I have no account with these companies. The companies told me to contact Equifax & Equifax telling me to call them. This is very frustrating. The inquires are as follows : 1. XXXX/XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX XXXX ( XX/XX/XXXX ) 3. XXXX ( XXXXXX/XX/XXXX ) 4. XXXX ( XX/XX/XXXX ) 5. XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX ) 6. XXXX XXXX XXXX XXXX ( XXXX XXXX ) 7. XXXX XXXX ( XXXX XXXX, XXXX ) 8. XXXX XXXX ( XXXX XXXX, XXXX ) 9. XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX ) 10. XXXX XXXX XXXX ( XX/XX/XXXX ) 11. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 12. XXXX XXXX ( XX/XX/XXXX ) 13. XXXX XXXX ( XX/XX/XXXX ) 14. XXXX XXXX ( XX/XX/XXXX ) 15. XXXX XXXX ( XX/XX/XXXX )
Complaint sub-issue: Account information incorrect

XXXX XXXX is reporting an account ( XXXX {$910.00} ) on my credit files, i have contacted them requesting validation they say that there other company capital management is collecting for them. I contact XXXX XXXX is sending me settlement letters by mail, asking for validation for this account that I have never had business with this company and tell me that they have no account info for me, but that I need to pay the account off with there offer. I have no knowledge of this account with either company. I have attached the settlment offer from XXXX XXXX
Complaint sub-issue: Can't get flexible payment options

I have tried multiple times to explain to AES that I am unable to pay the monthly payments for my XXXX XXXX loans and my XXXX loan. They are not being flexible with me in order to pay these down and are not giving me options except, " looks like your only option is to default ''. This is so unacceptable!
Complaint sub-issue: Account status

My student loans have been discharged by the Department of Education due to XXXX. I now no longer owe anything on these accounts. These accounts should read as closed with XXXX balance. Here are the account numbers : XXXX, account # XXXX ; and XXXX accounts with Department of Education XXXX, all with account # XXXX. Equifax refuses to make the adjustment.
Complaint sub-issue: Account status incorrect

agrred to a settlement paided it but still shows up as open depet
Complaint sub-issue: Old information reappears or never goes away

There have been a number of requests sent to Equifax for the medical collection item to be removed from my credit profile. I have a letter where the XXXX XXXX XXXX has sent the deletion request to the credit reporting agencies. I also placed a dispute on XX/XX/2019 to have the item removed. The item is still showing as a collection item on my credit profile.
Complaint sub-issue: Right to dispute notice not received

My daughter is suspected of this credit fraud. My question to this act is, a credit check should have caught this. Valid identification is required, yet this account was opened? Opened : XXXX XXXX 2016, amt. {$520.00}