Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Attempted to collect wrong amount

I filed a cfpb complaint for company IQ DATA INT regarding debt validation and proper paperwork being sent out company responded to complaint with this message. Company reported debt amount as seen below ( XXXX ) however is reporting a different amount XXXX {$7000.00} XXXX on my credit report and in violation of FCRA. 


Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Date : XX/XX/XXXX Consumer Financial Protection BureauXX/XX/XXXX XXXX Iowa XXXX, IA XXXX XXXX : Complaint of XXXX XXXX Case Number : XXXX Internal Reference : XXXX We have received your dispute letter of XX/XX/XXXX, in which you indicate that you did not receive validation of your account in our office. We collect amounts owed to rental properties, and our records reflect your account was placed with our agency on XX/XX/XXXX, to collect {$6200.00} owed to our client, XXXX XXXX Apartments. Initial notification, with instructions to dispute or make payment, was mailed on XX/XX/XXXX, to the addresses supplied by our client which was not mail-returned and deemed received. Our records reflect that our office processed a certified validation request from you on XX/XX/XXXX. In response our office mailed a copy of your final statement to you on XX/XX/XXXX to the address that you submitted with the dispute which was not mail-returned and deemed received. The purpose of validation is to ensure the correct person is being requested to pay the correct amount for the correct creditor. The documents our office sent you are in compliance with that directive. It itemizes the individual charges associated with the balance assigned. We believe this account to be valid and the current balance of {$6200.00} remains due. We encourage you to contact our office to discuss payment options or to address any questions about the account. Thank you for the opportunity to respond to this complaint. IQ Data International , Inc. ( IQ Data ) is committed to treating every consumer with the dignity and respect to which they are entitled and is committed to its compliance efforts and ethical debt collection practices. All collection employees are trained by a certified Trainer Specialist and, as a requisite of employment at IQ Data, the employee is required to become certified through theXX/XX/XXXX as a Professional Collection Specialist. Additionally, IQ Data has received the elite designation of a Professional Practices Management System accredited agency through XXXX XXXX, the primary credit and collection industry organization. Sincerely yours, XXXX XXXX XXXX XXXX XXXX I.Q. Data International, Inc. This communication is from a debt collector attempting to collect a debt and any information obtained will be used for that purpose.
Complaint sub-issue: Their investigation did not fix an error on your report

I have filed a Dispute with Equifax, Dispute number  XXXX . This dispute came back to me as resolved pertaining  XXXX  agencies I filed on. Both have been removed from my credit report as you can see on the attached results from Equifax. I was pleased. Then recently in a updated credit report, this item that was investigated and removed from my report ended up being placed back onto my report. This is getting really irritating. How can you investigate and have this  XXXX   XXXX  collection removed and then in a month have it added back again? I think this reporting bureau should lose their right to credit reporting. I have circled in red the disputed action taken from Equifax.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax credit bureau is practicing Deceptive practices. I have provided three written requests to ask for six ( 6 ) different inquiries be removed from my credit report I DiD Not Authorize. Equifax CONTINUES TO REPORT THESE INQUIRES. I was affected by EQUIFAX data breach in XXXX as well as two other breaches. My credit file and personal information was compromised. I informed Equifax as recently as XX/XX/XXXX to remove the following Inquiries. One company ran my file 3 times on the same day. I did not authorize this. Also Equifax is lowering my score with each credit dispute. 
XXXX XXXX - Date of Inquiries : XX/XX/XXXX XXXX XXXX- Date of Inquiries : XX/XX/XXXX XX/XX/XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX XXXX  - Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/XXXX, a savings account was opened with {$25000.00} deposit into a Bank with the promise that I would receive an interest rate of 1.5 % and a bonus for depositing that amount of {$200.00}. At the time of opening I did not have the code, but the person opening the account said that it was not necessary, for she could verify the code number. In subsequent calls, the bank was provided with the code. Shortly after that, my wife also opened an account, and also made a deposit of {$25000.00}, but with the understanding by the bank that this deposit would not interfere with my earlier deposit. In a few days my wife 's account was credited with the {$200.00}. My account to date has still not received the bonus, despite numerous calls, talks with supervisors, and always with the statement by them that they are researching the account. One supervisor said that the research would be done by XX/XX/XXXX. On a call on XX/XX/XXXX, the representative said that he sees the notes, the fact that the code was provided, and that the person who made that statement was unavailable. On multiple occasions, we also told the bank that if there is a problem with both names appearing on either account, they can just remove the joint name. I was told this was not the problems. The person on that date promised me a call back on Monday, No call was ever received. 
There are recording by the Bank of all the calls.
Complaint sub-issue: Other problem getting your report or credit score

I have tried numerous attempts trying to resolve this with an Equifax manager and two different representatives. What they ended up doing is removing my maiden name used for my credit file when I specifically asked them not to. I never gave consent for this and when I tried calling the manager he said that it can't be undone. Imagine that! A mistake they made It can't be undone.I had originally asked them to remove a name on my credit file that was never me XXXX XXXX they did that and removed everything beyond my current legal name.also XXXX  XXXX or my mortgage lender can not pull up my credit score from Equifax because they are getting an error code XXXX. When I brought this up to their attention they said there's no blocks and nothing preventing anyone from pulling my credit from Equifax.why is it then that neither XXXX  XXXX or my mortgage lender can not pull credit? This company is nothing but incompetent and a disappointment.I find it hard to believe that the government even allows this company to continue existing especially after all the breaches they've had.Never have I experienced such an incompetent group of people who have no solutions or no resolutions to even begin to look into what I'm requesting them to fix. I spoke to them last Friday XX/XX/XXXX and a couple of times before in the same week.I want my previous maiden name restored back on my records and I also want the ability to have creditors or mortgage lenders pool my credit score for confirmation as I'm trying to obtain the mortgage loan. Their lack of resolution and customer service is unacceptable. To top it off I can't even create an account because it says that I don't exist. Whatever it is they did to mess up my credit file they need to fix it.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have not authorized these inquries listed on this report. This is fraud
Complaint sub-issue: Received unwanted marketing or advertising

Equifax has Promotional Inquiries after I file a Notice of Election to opt out of any and all Promotional Inquires. I filed and requested back in XX/XX/2017 and I still see on that Equifax is still showing Promotional Inquiries.
Complaint sub-issue: Trouble with how payments are being handled

I have been making payments toward Public Service Loan Forgiveness since XXXX. In reviewing my qualifying payment tracking history, the XX/XX/XXXX payment is randomly listed as " ineligible '' for reason of " you do not have a bill due for this payment period ''. There is no authorized or known reason that a bill would have not been due that month, and a payment was made on XX/XX/XXXX in the usual amount of {$67.00} as is demonstrated in the transaction history.
Complaint sub-issue: Account status incorrect

In the past year I have submitted 3 disputes to XXXX XXXX. They only responded to my third dispute. They are showing that I made late payments in XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. The reason that these payments were late is due to the phone payment system not recording my card information correctly. A supervisor concluded this to me via phone calls in XXXX of XXXX and again in XXXX of XXXX. They advised if i submitted a dispute in writing and listed that as the reason then they would remove the late payments from my credit reports. Each time i submitted a dispute i waited the 45 days and no one ever got back to me. Over a year later i submitted a third dispute and XXXX XXXX denied it even when i showed evidence that i sent two prior disputes and they did not respond within 45 days which is required by law. They are breaking the law by not responding to my disputes within proper timing and also incorrectly reporting me past due when i called in each month to make the payment. when i checked online i was always showing in good standing.
Complaint sub-issue: Banking errors

Hello, In XXXX I opened a checking account with a promotion for {$250.00} with the following terms : Requirements to Receive the {$250.00} Bonus : Apply for a new consumer Any Deposit Checking account with a promotion code either online at XXXX : XXXX  or in a branch between XX/XX/2021 and XX/XX/2021 with any opening deposit amount ( {$0.00} or more ). Any Deposit Checking account must be opened by XX/XX/2021. 

All deposits must be posted by XX/XX/2021. 

Bank of the West Checking account must be in open status and have a positive balance greater than {$0.00} as of XX/XX/2021 to be eligible to receive the bonus. 

Bonus will be credited by XX/XX/2021 to the new, open Bank of the West Checking account. Account must be in open status to receive the bonus. 

I have fulfilled the terms of the bonus with DD of {$1000.00} in XXXX, XXXX, XXXX and XXXX and have not received the bonus. When I inquired, there was a long delay and then they were unable to confirm the bonus and said bonuses would post in XXXX : Here 's the message : We sincerely apologize for the delay in responding to your message. We have experienced an increased volume of messages from our customers, and are responding to them in the order in which they were received. 

We deeply regret this inconvenience. 

Review of customer qualification for our Consumer Checking Account Campaign will automatically occur for all the participating accounts during the month of XXXX. As a result, we are unable to confirm that the requirements have been met, or speculate the final outcome, as additional terms and conditions apply. 

Please review the campaign criteria, and evaluate your account activity to ensure you have met all the requirements. Statement credits will be issued by XX/XX/2021. 

Thank you for contacting Bank of the West. We appreciate your business and the opportunity to serve you. 

Sincerely, XXXX XXXX 
Online Services Bank of the West Deposit and loan products offered by Bank of the West. Loans subject to credit approval. Certain fees and restrictions may apply. Member FDIC. Equal Housing Lender. Copyright 2021 Bank of the West. All Rights Reserved. Doing business in South Dakota as XXXX XXXX XXXX XXXX XXXX 

Investment and Insurance products : NOT FDIC INSURED / NOT BANK GUARANTEED / MAY LOSE VALUE / NOT A DEPOSIT / NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY You can send money to friends, family, and almost anyone you know and trust? Its easy. Go to bankofthewest.com/onlinetips to learn more. You must be enrolled in Online Banking to use Mobile Banking. Wireless carriers may charge fees for text transmissions or data usage. 

-- - Original Message -- - Sent : XX/XX/2021 XXXX AM To : BOW Subject : Contact Customer Service Account : Hello, I'm writing to follow up about the {$250.00} bonus to my account. I have met the DD requirement and according to my notes the bonus should have been deposited in XXXX. Could you please tell me when the bonus will post? 
Thanks, XXXX Considering I met the terms of the promotion. I would appreciate that the bonus be paid now since it is already past the date stated in the terms. 

Thank you
Complaint sub-issue: Debt is not yours

Saw debt on my credit report, reached out to the company and requested : the following substantiation in my letters, : the name and address of the original creditor ; the date on which the alleged debt was incurred ; an itemization of the debt ( i.e., what portion of the total amount constitutes principal, interest, fees, other charges ) ; a summary of the payment history on the debt ; a copy of the applicable contract giving rise to the debt ; and a copy of the underlying account statement and other writt and they have failed and broken all sorts of laws
Complaint sub-issue: Information is not mine

XXXX should not have been a hard inquiry. 
I was told by the XXXX XXXX representative that it would n't be a Hard Inquiry.
Complaint sub-issue: Account status incorrect

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX not mine XXXX XXXX not mine
Complaint sub-issue: Didn't receive advertised or promotional terms

On or around the summer of 2021 I opened a Home Depot credit card and project loan card. I purchased kitchen cabinets. I was offered 18 mos zero percent financing at the time. I made the purchase of the cabinets in XXXX of 2021 and after a few months of getting my bills I noticed it said six months for the expiration date of the offer. I realized something was wrong. I called both the store and the issuing bank of the card and told them I was supposed to get 18 months and I only got six. The bank changed it to the 18 month offer. I have no idea how this mistake occurred. About five months ago, I applied with the bank to see if I can get it extended. I realized that there was no way I was going to be able to pay off this purchase in 18 months. It is over {$9000.00} originally. I was denied. They told me I didn't qualify because I had already extended it. I said, no I did not. When? They were referring to the error, the six months to the 18 months. I said but that was an error. That was not an extension. I was supposed to get 18 months originally. Someone made a mistake. Period. Either the store, someone did. I know what I was offered and they for sure have 18 month plans. All the time. How could they even try to deny it? So, now, because of that original error, that went against me and I can't extend the terms.
Complaint sub-issue: Account terms

Re : Request for Addition of Credit Information Dear All According to the Fair Credit Reporting Act, I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I am requesting that my good pay history with [ [ Creditor Name ] ] be added as soon as possible. The account has been open since [ [ XXXX/XXXX/XXXX ] ]. 
I have attached paperwork proving that the account should be reported under my social security number for your review. 
I understand that, " A consumer 's credit report should reflect completeness and accuracy within a reasonable time after notification by the consumer. '' I look forward to receiving an updated copy of my credit report reflecting this change. 
Thanking you in advance for your assistance. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX
Complaint sub-issue: Problem with personal statement of dispute

To Whom It May Concern : A system error has resulted in a negative credit report that I hope to get amended. 
I leased my car in XX/XX/XXXX and was making timely payments through XXXX ' own online auto-pay function. All payments were credited on time with no issue. An internal error resulted in two payments being pulled for XX/XX/XXXX.  Subsequently, I suspended the XX/XX/XXXX payment. A second internal error cancelled the auto-payment function with NO notification. As you can imagine after 2+ years  of automatic payments, I did not check. There was absolutely no email, phone or written contact by XXXX. 

XX/XX/XXXX I received the first contact from XXXX that my payments were now late. Immediately the balance was cancelled and set up to date. Unfortunately, despite not receiving a call, email or letter prior to this my credit report was negatively impacted. I reached out directly to XXXX to attempt to clarify the situation but they were no help. 

Once my records are reviewed you will notice I have worked very diligently to make timely and responsible payments and maintain a clean credit report. I am aware that there are individuals that intentionally miss payments and try to manipulate the system. I would not be wasting my time or your if this were the case. Please remove this negative report from by credit score as I should not be faulted for a system error.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a CFBP complaint # XXXX on XX/XX/XXXX. With a request to remove unauthorized inquiries with FTC report. Equifax did not remove all inquires requested in the report. Due to Equifax breach I would like the inquiries removed that they left ( XXXX ). XXXX XXXX ( XX/XX/XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX ( XX/XX/XXXX )
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX Last reported XX/XX/XXXX {$10000.00} Open balance XXXX XXXX  Original creditoXXXX XXXX OpenedXX/XX/2021 ( 2 mos ) Account statusOpen Type -- ResponsibilityJoint RemarksConsumer disputes this account information Original creditor nameXXXX XXXX  This is another account on my credit file that is fraudulent.
Complaint sub-issue: Other problem

Citigroup made the following changes to their policies and are violating the law. They stated : " Under this new policy, we will require new retail sector clients or partners to adhere to these best practices : .... ( 2 ) they restrict the sale of firearms for individuals under 21 years of age, and " ... Here is a link to full text of Citigroup policy : https : //blog.citigroup.com/XXXX This is in violation of 15 USC 1691a , Citigroup has announced it will be discriminating by age for certain transactions as excerpted from their policy statement. 

According to 15 USC 1691a, a creditor may not discriminate by age ( provided the applicant has the capacity to contract ) with respect to any aspect of a credit transaction. 

The law is clear.
Complaint sub-issue: Information belongs to someone else

There are accounts on my credit profile that do not belong to me. I have submitted my personal information as an attachment to depict who I am. Please remove it from my credit. Thank you.
Complaint sub-issue: Information belongs to someone else

I have tried fixing this issue with the Equifax, attached police reports and everything and they say these fraudulent accounts belong to me. They need to be deleted now, like the rest of the credit bureaus did.
Complaint sub-issue: Information belongs to someone else

filed ftc with these company and filed number attached XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXCDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX, XXXX XXXX XXXXDispute XXXX XXXX  XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXDispute XXXX XXXXDispute U.S. DEPARTMENT OF EDU
Complaint sub-issue: Company closed your account

After two failed attempts to make payments to my property management companies. Citibank blocked my checking account on XX/XX/XXXX and refuse to unlock or state any reasons. I tried calling the support as well as visit the local branch for assistance, and yet unable to get a clear explanation why my account is blocked. I was only advised I will be receiving a letter in the mail within a few days.
Complaint sub-issue: Their investigation did not fix an error on your report

I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The XXXX, Equifax, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$13000.00} ; XXXX  XXXX XXXX  XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX XXXX Balance : {$4400.00} ; XXXX XXXX  XXXX XXXX Balance : {$5700.00} ; XXXX XXXXF XXXX XXXX Balance : {$2700.00} ; XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$540.00} ; XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Fraudulent loan

im writing this complaint because i sent Ally Bank a Request for accounting. Request Regarding List Of Collateral or Statement of Account. As of XX/XX/2022 they are in receipt of Certified Mail number XXXX XXXX XXXX XXXX XXXX and have 14 days from the time of receiving Affidavit to respond and i wanted to let your agency know that this request has been sent, as well as a email to the CEO XXXX XXXX at XXXX, as of XX/XX/2022
Complaint sub-issue: Information belongs to someone else

Equifax has be reluctant to remove old, unnoticed, and unauthorized items from my credit report I have sent in multiple dispute letters and have not taken any action. They also have not responded to me in the time allotted which is 30 days. I have sent in dispute letters in XXXX and XXXX, I am sending more this month it is now XXXX.
Complaint sub-issue: Debt is not yours

BB & T Bank I refused to pay for what seem to be like fraudulent activities. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. They can not provide me with any original paper work, signatures or ID copies.
Complaint sub-issue: Their investigation did not fix an error on your report

I wonder where Equifax and XXXX get the bankruptcy status on my XXXX XXXX XXXX. I have never filed a bankruptcy. XXXX did not even report it this way. Not to mention, Equifax and XXXX wont fix the account after sending numerous letters and they wont give me an explanation as to why..CFPB please step up and remove this error
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX )