Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom IT MAY CONCERN, I recived a copy of my credit report with the intention of trying to improve my credit and take care of my reasonabilities and noticed some accounts that i wanted a little more explanation on. Im not saying they are reporting right or wrong .I am just saying that i am not 100 precent if they are.I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything i am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C sec 1681i { a }? I heard that if you can't provide prof these accounts must be deleted. Well I want just that for these listed accounts deleted. I want these accounts deleted if they are not 100 precent right and correct. So could you please check on these and get back with me asap. I saw on a credit site and board where this lawyer said you have XXXX days to complete this investagation. Please investagate the folling accounts and remove them if anything is missing or not correct on them. 

Account name 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 Please investagate every peice of infromation is correct. if not, please remove it from my credit report.
Complaint sub-issue: Problem with fees

I have been charged a late fee twice on my credit car from Best Buy Credit Services. The 2 checks were dated and mailed in a timely manor, prior to the due dates. I was Informed by an employee named XXXX from XXXX # XXXX that it must be mailed 11 days before due date, as not to be charged a late fee. I was never told this policy in the store when I applied for the credit card. I am closing my account as of XX/XX/2018, and disputing the {$27.00} late fee charges in writing by certified mail. I plan to pay account off in full in XXXX payment.
Complaint sub-issue: Information belongs to someone else

hello my name is XXXX XXXX ive recently checked my credit report & found some untheorized credit card accounts and collections & looks like someone has been running my credit because its showing hard inquires from car dealerships. 
which is hindedring me frfom getting approved for my home for my family please look into this matter asap and remove & delete these accounts from my credit report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I placed an order for a special order item with XXXX XXXX XXXX. The advertisement and sales pitch of XXXX  has since been deleted. The merchant was an advertiser on XXXX. His account has been cancelled. 

The credit card company is refusing to. let me place a dispute on a fraudulent charge. 

The company is citibank. 

The seller has not even sent me a receipt for payment or acknowledgement. 


The cc company wants me to. wait 6 months. 

XXXX has suspended the sellers account
Complaint sub-issue: Debt is not yours

This is the 5th collection agency that was contracted by XXXX to attempt to collect.Please see attached letter from AFNI, all 4 of the previous collection agencies were never able to verify the debt. Please refer to my original complaint XXXX XXXX That was the 1st three, than the 4th, XXXX XXXX see complaint number XXXX.
Complaint sub-issue: Problem accessing account

Pnc bank will not allow me to link my acct to send and receive my personal deposits
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/2018, I disputed a ch XXXX bankruptcy that appeared on my credit file wanting the information in the report to be accurately validated and be verified by Lexis Nexis. 

Lexis Nexis had 30 days to do so upon request in the dispute or remove the public record because they could not verify the accuracy of the information. 

As of XX/XX/2018, I have not heard any response from Nexis Lexis. I  have contacted them on 3 occasions : 1st contact I was told that it was received and being processed. 2nd contact : I was told it was processed on the XX/XX/2018 and letter sent. I received a dispute alert from the credit bureaus indicating that I had initiated disputes with them. I found out that Lexis Nexis had initiated these disputes with the credit bureaus without my permission because I wasnt disputing anything with the credit bureaus. My dispute was for the inaccurate information the Lexis Nexis had in their file. 

Still I had not received a response from Lexis Nexis regarding my dispute with them. On my 3rd contact inquiring about my dispute, I was told that there was never a dispute letter received. By that time, I had received a letter from Nexis Lexis stating that the credit bureaus must have lost my disputed. I inquired about this letter while on the phone with the 3rd contact Representative. 

He, ( XXXX  ), which was a false name because I spoke to him before and he used another name, stated that he did not even see in my file any letters regarding a dispute and he had no idea of what letter they sent met, and that Lexis Nexis should not have initiated any dispute with the credit bureaus which also wasnt indicated in any notes in my file. He was just as confused as I was about the whole situation and apologized because he couldnt help me because of nothing being dictated in my file. 

I contacted the credit bureaus requesting information about this situation and was told that they information that they received came from Nexis Lexis and they are the furnisher of the public record 3rd party vendor of the public record and not the court. 

I am requested that this information be removed from my report for final resolution due to the activities of Nexis Lexis for their deceipt about receipt of my dispute with THEIR company and initiating disputes with the credit bureaus without my knowledge and/or written permission.
Complaint sub-issue: Information belongs to someone else

This is not a debt owed by me and has been reported incorrectly on my credit reports
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX is reporting the wrong balance on all 3 Credit Bureaus the remaining balance is {$13000.00} This car was reported as stolen in XX/XX/2019 GAAP insurance Company XXXX XXXX XXXX XXXX released {$10000.00} to XXXX XXXX XXXX for Comprehensive coverage, which is the settlement that is agreed on. It is my belief that XXXX is reporting A balance of {$13000.00} to deceive me into paying them the extra money for a stolen vehicle. XXXX has been reporting me as late to the Credit Bureaus even though I reported the vehicle stolen immediately. Then they listed the account as a chargeoff which took my credit score down even more.
Complaint sub-issue: Account status incorrect

AAIn 2018 I contacted all of the major credit reporting agencies about a collection account that was added to my credit report that violates the FCRA. XXXX XXXX XXXX did not contact me regarding this collection account prior to submitting to the credit report agencies and that is a violation of my consumer rights. I submitted documentation to have this account verified and removed and it was removed from credit report in 2018. This same account has reappeared and again, this account was not verified and this collection agency did not contact me prior to submitting it to the collection agencies. Also, this collection agency is not licensed to collect in the state of Nevada according the Secretary of State for Nevada.
Complaint sub-issue: Their investigation did not fix an error on your report

The item on my credit report, XXXX XXXX XXXX, which is a revolving credit account that has been closed, is inaccurate because the current balance of {$300.00} should now be updated to {$0.00} balance, due to a settlement agreement ( please see attached copy of settlement agreement and terms ) which I have complied with all stated requirements in agreement. The settlement agreement states that I am to pay {$250.00} on or before XX/XX/2020, to collection agency XXXX XXXX XXXX , XXXX . who represents XXXX XXXX XXXX for the debt owed. Additionally, I was to sign and return original settlement agreement to collection agency XXXX XXXX XXXX XXXX XXXX XXXX 
I made payment for {$250.00} on XX/XX/2020, ( please see attached proof of payment with date ) and have signed and returned original settlement agreement to address listed on paid postage envelope provided by collection agency XXXX XXXX XXXX , XXXX . that represents XXXX XXXX XXXX XXXX please see attached settlement agreement copy that I have provided for record ). 

I have been unsuccessful with disputing and having the balance updated to reflect {$0.00} with all three credit bureaus ; Equifax, XXXX and XXXX. I have also reached out to XXXX over several months and they still have not corrected what has been reported to credit bureaus. They show my payment I made but have not complied with the settlement agreement with collection agency representing them. I have included the settlement agreement and letters sent to credit bureaus, this after several attempts to dispute remaining balance on my credit reports and reaching out to XXXX   over several months.
Complaint sub-issue: Information is not mine

On XXXX XXXX 2014 someone attempted to obtain a credit card in my name with XXXX Credit. I discovered it on my credit report and contacted XXXX Credit. They did an investigation and determined it was fraud. They followed up with timely correspondence and notified XXXX credit bureaus and instructed them to remove the item from the Hard inquiry portion of my credit report. XXXX removed the item almost immediately..Equifax has not XXXX XXXX fraud department has now notified Equifax XXXX different times. I have written XXXX letters filed XXXX online disputes and spent many hours on the phone with Equifax. Initially Equifax claimed they could not verify my identity ... they requested my birth certificate my drivers license my marriage certificate XXXX utility bills and my XXXX be sent to them. I was reticent to send such documentation but went ahead and sent it. I received another letter in response from Equifax telling me to resend the documents which I did not do ... I called Equifax and they said they had the documentation ... Yesterday I received yet another letter from Equifax again asking for the documents that they already verified they had. With my corresponce to Equifax I also included copies of all the corresponce to me from XXXX verifying that the item was indeed fraud. Equifax told me they do have that correspondence from me but that it is worthless because it must come from XXXX direct ... I advised them XXXX fraud department has sent XXXX letters and they claim they do not have any such letters ... I contacted XXXX and the assured me they have indeed contacted Equifax. The XXXX fraud department then sent an additional letter as follow-up. I then contacted Equifax again and the once again claimed they have nothing from XXXX. They then advised me that the only way they will remove the item is if XXXX calls their business office direct. I asked for the number of the business office and they declined to give it to me saying XXXX knows the number it 's business to business. I again called XXXX and they said they had never heard of such a thing and directed me back to Equifax..Equifax then said well they will only remove it if they send the request electronically. I asked Equifax if I could have the electronic address and they declined saying once again XXXX knows where to send it. Back to XXXX and they said it was absurd. I am now at an impasse..I have spent three hours on the phone today alone Equifax just keeps passing me from department to department and declining to remove the item. I have a complete file with dates and documents and correspondence I can provide if need. My husband and I are about to retire and attempting to obtain a mortgage and this item has been holding up that process for almost four months. I need some assistance.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, 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 has violated my rights .

15 USC 1681 Section 602 A States that I have the right of privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without MY written instructions.
Complaint sub-issue: Account status incorrect

Per agreement with XXXX on XX/XX/19 this company was suppose to remove all late inquiries to my credit report. They still continue to report this account late. I got an alert from XXXX  last week and XXXX  today that they have reported 3 late payments and are still updating this account as LATE. I am attaching the agreement that outlines that these late payments are to be removed from all credit reports.
Complaint sub-issue: Card opened as result of identity theft or fraud

To whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that Citibank reported a late payment regarding an account  XXXX  ( last 4 digits ). I am requesting that my late payment notice be removed from my credit history for the circumstances explained below.
I opened a Costco Credit Card account when it was under American Express about 3 years ago. For that account, I had set up auto payments and never missed a payment. I received a letter saying that my Costco American Express account was canceled. A new Costco credit card was opened under CitiBank without my knowledge or approval. I never received a physical card or used this card. This unauthorized account then accrued bogus fees and then Citibank filled a late payment on my credit history putting a severe drop on my score ( over   XXXX   points ).
When I saw this credit card on my credit report, I called to try to cancel it several times, but was not able to. On  XX/XX/XXXX , I called two times to cancel this card. The reason I was not able to cancel it was because I didnt know the address on file. I gave the customer service representative the 4 addresses in which Ive lived for the past 10 years and none of those addresses were right. I asked the person on the phone to escalate the call to a manager and find another way to validate my account but she mentioned that that was not possible. This happened twice that day. I was unable to access my account to cancel. The woman also didnt not tell me it had late fees. I did n't know the address on file because I didnt open this account or received a record of this account to my current billing address which classified as a billing error under the Truth in Lending Act ( TILA ), Regulation Z.
On  XX/XX/XXXX , I called again to try and cancel my account, the woman on the phone actually escalated the call. I was able to access the unauthorized account, canceled it and paid the balance. As you can see my credit score has always remained in the  XXXX - XXXX  range and Ive never missed a payment until this situation. As a goodwill gesture, I made the payment of the unauthorized {$250.00} dollars on  XX/XX/XXXX . I request that you investigate this issue and remove the late payment notice on all the federal credit bureaus on my account. I filed a complaint with Citibank customer service team the number is :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .
Complaint sub-issue: Can't close your account

An account was opened by me and approved by Citibank on XX/XX/2021. When i tried to use the card it was refused. When i tried to activate the card i was told my identity could not be verified despite the password, e mail address, and phone number used to open the account. I was told I would receive a letter to open the account. I did receive a letter stating i should call to activate my account. I called. I was told that was not the right letter that i had to wait. I asked to close the account. They refused, a supervisor refused, I never received another letter and they refuse to close the account.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Threatened to sue you for very old debt

Mid XXXX, I received a call from the local sheriffs dept about debt collection paperwork needed to be served. I received the paperwork, it ended up being court looking documents, signed by an attorney. I submitted a letter back to them as well as to the court that served me the papers. I received a call from the court saying the company hadnt even filed the documents with the courts. The document was fake. They received my request for documents on proof on XXXX and I have yet to receive anything back. The law firm was Rodenburg Law out of XXXX, ND. 

Another company had me served with the same fake document XX/XX/16 for a different debt. The law firm is XXXXXX/XX/XXXX XXXX out of XXXX, MN. 

Both documents state if I do not respond within 30 days that judgment by default may be taken against you. I plan to send the same proof of debt notice to this company. But after reading into the FDCPA, it seems this is a definite illegal process.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I have been trying for XXXX days straight to contact a live person at Direct Express. I am a XXXX XXXX who receives her social security XXXX on a Direct Express prepaid card every month. It seems ever since I file complaints with your agency before against Direct Express it's as if they are retaliating against me. Cuz whenever I try to call I have to put in my card number and then I am unable to ever get a human being on the phone they just totally disconnect me. I have a question about why I can't transfer money from my account to my XXXX XXXX card so I can use it to do my laundry with. I do not like using my actual Direct Express debit card to do transactions in public places. So I used to be able to transfer money from Direct Express to my XXXX XXXX card and then use my XXXX XXXX card. Ever since the last time I filed a complaint with Consumer financial protection bureau Direct Express has made it impossible for me to transfer anything they've made it impossible for me to get a human being on the phone and they keep hanging up on me. I'm getting tired of the way that they treat me as a customer. They should not be allowed to retaliate against people who have filed complaints against them before. I have other friends who have been able to get right through to Direct Express but when I call and put in my account information it just cuts me off. To me that's unacceptable I have valid account questions and I can not get anybody on the phone.
Complaint sub-issue: Received bad information about your loan

I applied for XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. My application included XXXX payments while I working for the Federal Government. This exceeds the XXXX payments needed for loan forgiveness. But, Mohela has not processed my application. It has been 9 months. The application is supposed to be processed within 90 days. Every time I call they tell me they see that I have enough eligible payments, but they need to update their tracker. Their story keeps changing and on XX/XX/XXXX they said they have to resubmit the payment certifications because it got " caught up '' in the system, so the clock starts all over. I resubmitted with everything they asked for. I called many times to inquire and they said my application was good and all payments could be certified, but they just needed to update the payments into the account. Now they have changed their story and said my XXXX employment from XXXX could not be verified because my former employer did not sign the form. However the instructions said if I could not get my former employer to sign the forms, I could submit a XXXX, which I did. This is also what my previous servicer and Mohela have told me over the phone. Now Mohela has moved the goal posts and said I need a XXXX for every year I want credit. So I provided those documents and Mohela said they XXXX get to them in 90 days. I submitted my application 10 months ago and they are saying another 90 days. They never told me there was an issue or a need for additional XXXX 's until I started hounding them. Then their story changes every time I call or email them and they XXXX up a new hoop to jump through. They have not acted in good faith. I keep calling, jumping through hoops and submitting more documents and it's never enough
Complaint sub-issue: Account status incorrect

I have challenged the 100 % accurate reporting of account for XXXX XXXX  that is inaccurately reporting as a " charge off '' on my credit report ... ... how can an account be a charge off and still be open per the reporting? ( violation ) ... ... .i have challenged/disputed this account 5 times to the credit bureaus and none of the 3 bureaus have even marked this account as being in dispute ( violation ), 2 bureaus are reporting it as paid and one as derogatory ( violation ), 2 bureaus are reporting 0 month terms and one bureau is reporting a 1 month term ( violation ), they are pencil whipping these investigations
Complaint sub-issue: Account status incorrect

Vehicle leased from XXXX XXXX through XXXX XXXX. All payments paid on time via auto-drafted electronic transfer. Reported closed Pays As Agrees. 

In XX/XX/2018, my credit monitoring service notified me that the status of the 'paid-off on time ' auto lease was changed to Collections Charge-Off in the amount of {$240.00}. Ally Bank listed themselves as the " Court ''. 

Speaking with Ally, I learned that the dealership wanted additional money, but Ally instead of me. Ally took it upon themselves to change my account status. I had many phone discussions with a rep over several months trying to resolve this error. Finally, they removed the account from Collections and said if I pay the {$240.00}, they will update the status to it's original state. I sent them a check, but they lied and has not been corrected.