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

I have tried and tried to get XXXX and my creditors by disputing through both to correctly report the accounts that were in bankruptcy. I noticed that Equifax and XXXX have made more of an effort but XXXX has not. My spouse is having the same issues with XXXX. Our Ch XXXX discharged. Post discharge, creditors are not allowed to report us a having a balance due or late. I have attached some print screens of my credit report with XXXX report as of XX/XX/XXXX. They are telling me that I have 6 negative and delinquent accounts with bad payment history affecting my credit score. How can this be when 100 % of my debts were included in my Ch XXXX bankruptcy ( except the older, good credit ones that were paid off prior to our filing on XX/XX/XXXX ).? I have attached a discharge letter, claims history, and other evidence. If you will note, XXXX XXXX XXXX XXXX is showing a failure to pay in XX/XX/XXXX ( see the red FP ). They are not allowed to show me late in XX/XX/XXXX. You cant show lates or balances past my petition on XX/XX/XXXX. I have the legal right to open my bankruptcy case up again and file injunctions against all XXXX credit bureaus and every single one of my creditors, as they are all in violation of the bankruptcy discharge order. Might I remind them there is case law to support my position and claims : There is case law to support this : XXXX vs. XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX ). Here, the court relied heavily on two of my cases, XXXXl v XXXX XXXX XXXX XXXX ( In re XXXX ), XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX) and XXXX v. XXXX XXXX XXXX XXXX ( In re XXXX ), XXXX XXXX XXXX ( XXXX  XXXX XX/XX/XXXX), This willful refusal to correct my record post-discharge is robbing me of a fresh start. Also, both XXXX and XXXX are now refusing to allow me to dispute accounts online. They are requiring me to send in all of my personal information and dispute by mail. This practice should be outlawed as it goes against what is supposed to be their purpose and that is to protect the economic system and the creditors. They are asking us to put everything in an envelope that someone could steal our identity with. I am not going to do this and I am surprised that the banking industry, who loses billions every year to identity theft, has n't lobbied against this practice by the credit bureaus. I will NEVER be putting my social security card, drivers license, birth certificate and other requested identification into one envelope in the mail. That is not only the stupidest thing anyone has ever asked me to do but also a risk that I should not be asked to take and the credit bureaus should be obliged to handle my disputes regardless of this.
Complaint sub-issue: Debt is not mine

Hunter Warfield continues to make repeated calls asking for someone who does not live at my residence. They have been told that that person does not live here but they continue to call and leave messages. I have tried calling them to speak to someone but no one answers.
Complaint sub-issue: Information belongs to someone else

Fraudulent activity on my XXXX consumer report.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX PULLED MY CREDIT REPORT WITHOUT MY AUTHORIZATION OR CONSENT WHILE I WAS APPLYING FOR A VA MORTGAGE. 

HE ALSO LIED ABOUT THE INTEREST RATE. 

THIS DISPUTE IS ONLY FOR HIS IMPROPER USE AND COLLECTION OF MY CREDIT FILE. 

HE REQUESTED MY CREDIT FILE MANY TIMES WITHOUT MY CONSENT OR WITHOUT ME KNOWING.
Complaint sub-issue: Account information incorrect

XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1000.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX Balance Owed : {$430.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX Balance Owed : {$580.00} - You have been reporting inaccurate information and this is a violation please remove. 

XXXX XXXX XXXXXXXX Balance Owed : {$6500.00} - Delinquencies reported after the account was closed. This is a violation please delete. 

DP OF EDUC XXXX Balance Owed : $ XXXX Delete this Unknown account unless you can provide me with proof of a contract with my signature. 

XXXX XXXX XXXX XXXX Balance Owed : {$460.00} - This account was taken care of with original creditor prior to going to collection, this is an Error Please remove this account.
Complaint sub-issue: Debt was result of identity theft

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1971 ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX TX XXXX XXXX  XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AFNI, XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/1971 ADDRESS XXXX XXXX XXXX APT XXXX, XXXX XXXX, TX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( MACY'S/DSNB ) is reporting on my personal credit file with XXXX, XXXX XXXX XXXX XXXX Credit Reporting Agencies ). Reporting agency ( CRA ) is reporting inaccurate information on the listed account below ; Due to their errors in reporting Im reporting this violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The information listed below is inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any correction or withdraw this account from my personal file ; ( MACY'S/DSNB XXXX ).
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Complaint sub-issue: Problem getting a working replacement card

Theft call my credit card like wells XXXX, Best BuyXXXX XXXX XXXX requests new and used it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BestBuy 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 theft call XXXX XXXX  unlock and used it again XXXX # XXXX XXXX XXXX XXXX XX/XX/XXXX Pending XXXX XXXX XXXX 
- {$1.00} XX/XX/XXXX Pending XXXX XXXX XXXX. 
- {$1.00} XX/XX/XXXX Pending XXXX XXXX XXXX {$480.00} XX/XX/XXXX Pending XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem making or receiving payments

My Citi accounts have been Frozen for days now. 

I have been a loyal Citibank client for my business and personal accounts for about 30 years. 
A few weeks back I received a call from XXXX ( id # XXXX ) from CitiBank profile dept. I was kind in answering but did not feel comfortable, as I mentioned to him, in providing personal info to someone claiming to be from Citi calling me. 
I questioned the need for an updated profile as within the last six months or so I went under a microscope in order to qualify for a line of credit with CitiBank. There is nothing left that Citi does not know about my wife and I. I felt that the call was possibly a scam and left it at that. 
On XX/XX/XXXX or XX/XX/XXXX CitiBank froze all my accounts.I subsequently after hours on the phone, updated the info for the Wealth Managment dept.and provided the info -profile as requested in order to hasten the release of my funds. XXXX mentioned it would take several days, probably after the XX/XX/XXXX holiday, to wind its way thru the various departments to clear the hold on my accounts. The update was to verify my address and best phone number, income info, net worth, that CitiBank already has on file. They wanted private information not relative to my checking accounts. 
I discovered this freeze when I opened my email and found two automatic bill payments were rejected due my accounts being Frozen. I have no access to my funds or information on my accounts. It seems that the Wealth Management Dept. was the source of my troubles and caused me to lose access to all my Citi accounts, which have absolutely nothing to do with Wealth Management. I spent in excess of 6 hours trying to clear up this unnecessary mess, to no avail in defrosting my accounts. I received tremendous support for my local branch managers without results. XXXX XXXX, a case resolver, opened up a case but no immediate results nor from a chain of others, all pleasant but powerless. My automatic payments and checks are bouncing. 
I would appreciate an immediate stop to the freeze on my accounts and contact from a Senior Executive from Citi to  salvage my so called Dedicated Relationship, which for years was Citigold. Great way to treat longtime clients. 
My understanding as I was told by a Citi employee, is that 21,000 others have been affected in the same manner by CitiBank. 
just rolled out this great plan a week ago.
Complaint sub-issue: Didn't receive enough information to verify debt

IQ International suddenly appeared on my XXXX XXXX report, which I check weekly, in the amount of {$1900.00}. 
They never sent me a letter or phoned to say this was owed. 

Apparently, this stemmed from an apartment that my significant other, XXXX XXXX, and I moved into with XXXX  XXXX XXXX in XX/XX/XXXX. When the covid flu became widespread, and XXXX  XXXX closed all the common amenities, they allowed us to move out in XXXX, XXXX. We would not owe any further rent upon rental to another family, they said, and in fact did rent to another family as of XX/XX/XXXX. XXXX XXXX employee, XXXX XXXX, who rented to us ( and received our keys upon departing ), sent us a letter dated XX/XX/XXXX verifying that the new renters were there as of XX/XX/XXXX. When the IQ collections contacted XXXX in XXXX, XXXX, she told XXXX XXXX who reiterated that we did not owe anything to them or any collections agency. In addition, they volunteered that they had dropped IQ International as a collection company due to so many complaints. IQ International continued to harass XXXX by phone and mail until late XXXX, when they apparently stopped when she complained to CFPB. 
Today, XX/XX/XXXX, I saw that IQ International showed up on my credit report ( I look at it weekly via XXXX XXXX as I'm working on getting my credit scores higher ). I have not been late on any bill for a number of years so this stood out. Please help me straighten this out as XXXX XXXX appears to be concocting a fake claim. Thank you, XXXX XXXX ( XXXX ) XXXX ( XXXX )
Complaint sub-issue: Reporting company used your report improperly

In According with The Fair Credit Reporting Act XXXX XXXX account XXXX ; XXXX XXXX account XXXX ; XXXX XXXX accounXXXX XXXX have violated my rights 15 U.S.C 1681 Section 602 A. states I have a 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 written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

Once I was released from the hospital, I contacted XXXX  XXXX customer service department and explained to a XXXX XXXX representative that I had been hospitalized as a result of Covid-19, which caused my payments to late. The original amount I owed on the XXXX XXXX XX/XX/2022 statement was only {$34.00}. When I released from the hospital in XX/XX/2022 the amount owed on the XXXX XXXX credit card bill had ballooned to {$140.00} after late fees and other charges were added. 

The XXXX XXXX representative stated she could not waive all the fees but she granted a partial waiver and waived some of the fees and I paid the credit card bill in full with the representative on the phone in the amount of {$63.00} via my checking account/ACH transfer. 

I informed the representative I was concerned about XXXX XXXX reporting the late payments to my credit reports. I have decent credit and have not paid a bill late in over twenty years. The XXXX XXXX representative told me she would notate my account that had been affected by Covid -19 and in the hospital which caused the late payments. My XXXX XXXX bill had always been paid on time until I got sick with XXXX XXXXXXXX. 

Per the guidance provided by the XXXX  XXXX website and representative my account would not be reported late to the credit reporting agencies/companies because I was affected by Covid 19 and due to the federal CARES Act and Covid-19 pandemic Capital would not report a late payment. 

Unfortunately, even after all the public assurances given on the XXXX XXXXXXXX website and by the XXXX XXXXXXXX representative I spoke with, XXXX XXXXXXXX did and continues to report late payment ( s ) to the credit reporting agencies, XXXX, XXXX and Equifax. Which has and continues to negatively impacted my credit scores. 

I have attempted to reach back out to XXXX XXXX customer service and I was told there was nothing they could do to remove the late pay ( s ) from my credit reports even if it was a result of me contracting XXXX and being hospitalize. I also attempted to contact XXXX XXXX XXXX office via email but did not receive a response from XXXX XXXX via email.
Complaint sub-issue: Personal information incorrect

XXXX employer denied me work harbor XXXX XXXX XXXX wrongfully drug test me with out my consent.1 rental property in XXXX never stayed at residence. Also another rental property in XXXX XXXX never rented from them as well. Someone also has a home in my house we're there collecting mortgages out on currently I am in XXXX just got my XXXX XXXX XXXX XXXX XXXX kids just need you guys to see if you can help me.
Complaint sub-issue: Debt is not yours

On Today 's date XX/XX/2022, I received a letter from the company XXXX XXXX XXXX about an alleged/disputed loan with the company MOSAIC ( Loan # XXXX ). I wrote back to this company about the legal dispute regarding this loan. For, this loan was fraudulently established under my name by the companies XXXX XXXX XXXX, MOSAIC and XXXX XXXX You can refer to the current investigation conducted by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), as well as the police report from the XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ), and the complaint with CFPB against MOSAIC ( XXXX ). This company is attempting to collect a debt that simply does not exist, because i have never taken a loan with MOSAIC.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated or 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
Complaint sub-issue: Account status incorrect

I an enrolles with a company for family budget services to get my credit card payments reduced. The payment gets made but misses by a few days. Then XXXX XXXXXXXX XXXX puts me over the 30 days past due by hundreds in the month of XXXX and XXXX and is effecting my credit score. I've tried with family budget services, XXXX XXXX XXXX, and multiple credit reporting to dispute these past due amounts. These past due amounts are well over what was even due and is become extremely aggravating and XXXX  is not doing much to help.
Complaint sub-issue: Problem with customer service

As required by the stated guidelines for the Public Service Loan Forgiveness program since XXXX, I submit Employment Certification Forms annually to maintain eligibility for PSLF. At most, this process of certifying employment and eligibility has take 2 weeks to get a response from the student loan servicer MyFedLoans/PHEAA. 

I am now eligible for loan forgiveness through the Temporary Extended Public Service Loan Forgiveness program and have been for more than a year, after maintaining eligibility for 12 years of regular monthly payments, but the servicer is saying they need more time to certify my employment. I have recertified every year, the servicer already has records of employer eligibility, so there is no reason for a delay to a process that has taken 2-3 weeks in the past. A representative even called me with a question the week I submitted the revised ECF and TEPSLF application form XX/XX/XXXX to verify information so I know it was reviewed by a human. 

When I called MyFedLoan on XX/XX/XXXX to inquire the status of my application I spoke to four different representatives and PSLF specialists ( # XXXX, # XXXX, # XXXX, # XXXX ) and they all confirmed there is a backlog of applications and was told process for certifying employment was changed to the Department of Education. I called the Student Loan Support Center at the Dept of Ed to confirm the same day, to inquire what I needed to do to escalate my application, and was told this was incorrect, MyFedLoan is the Department of Education processor, and transferred back to MyFedLoan, and was told to use the online tool to submit the paperwork I have already submitted, including tracking down signatures from 12 years of employment which were already scanned uploaded and approved on the MyFedLoan website. 

There is absolutely no justifiable reason for the delay, the processor already has the records they need to certify employment, eligibility for loan forgiveness, and to pass the TEPSLF application back to the Department of Education for approval and loan forgiveness. The servicer knew there was going to be a backlog of eligible applicants as this program has been around for more than a decade and delaying forgiveness is a disservice to the public servants who have been working towards forgiveness for the duration of the program.
Complaint sub-issue: Was not notified of investigation status or results

I have a PAID collection with XXXX XXXX XXXX for XXXX as well as UNVERIFIED late payments with XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX  that I have been disputing with the bureaus. I sent my first dispute to the bureaus on XXXX XXXX, 2020. I have sent again, disputes on XXXX XXXX, 2020, after the bureaus did not correspond with me ( I am aware that they have 45 days, and I am STILL waiting for responses from them ).
Complaint sub-issue: Debt was result of identity theft

I have contacted this company through the credit bureaus multiple times to have this invalid account removed from my credit report. They are refusing to remove it NOR have they provided me with validation bearing my signature, DESPITE being contacted FOUR times between XX/XX/XXXX and XX/XX/XXXX. It needs to be removed immediately because its affecting my credit report in a negative manner.
Complaint sub-issue: Public record information inaccurate

I have contacted Equifax and XXXX  on several occasions ( XX/XX/2019, XX/XX/2019, XX/XX/2019 XX/XX/2019 and XX/XX/2019 ) in regards to fraudulent accounts/public records on my credit report. They have done everything BUT follow the FCRA. They have refused to accept my FTC report/police report pursuant to Section 605B.  XXXX  is asking for another affidavit stating it does not look like an original when it was printed from the website. Equifax has sent letters stating they can not locate my file. Then a letter confirming receipt of my letter mailed XX/XX/XXXX. They are not compliant with the FCRA. I have previously filed a complaint with CFPB and not only did they take longer than allotted to respond they did not fix the issue. Equifax continues to ask for proof of identity which I have supplied SEVERAL times.
Complaint sub-issue: Their investigation did not fix an error on your report

I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the XXXXederal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I have sent two letters requesting validation of debt to this company. They only responded by sending a letter asking for payment and they continue to send me invoices threatening to send my account to collection. I would like the debt validated and then if it is proven to be my debt I would like to make payment arrangements to clear this debt, but I do not want to pay on a debt that I do not know if it is mine or if the amount of the debt is correct.