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

I.C. Systems has reported and posted to my credit that I owe {$550.00} for a XXXX  bill. I contacted XXXX  and they stated the amount owed is {$320.00}. I have called both XXXX  and I.C. Systems multiple times since XX/XX/2020 -today XX/XX/2020 trying to get the correct balance updated so the debt can be paid. I.C. Systems have yet to make any attempt to update this amount.
Complaint sub-issue: Reporting company used your report improperly

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate. The date last active is inaccurate and the last reported is not accurate.This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy, 15 U.S.C 1681 Section 604 A Section 2 ; it also states as a consumer reporting agency can not furnish a account without my written instructions Also the credit bureaus took more than 90 days to complete my investigation.
Complaint sub-issue: Information is missing that should be on the report

My Mortgage was sold. I have little personal credit outstanding. The new mortgage company, XXXX XXXX  is not reporting they have my Mortgage. It still reports as New York XXXX Bank and Paid. 

My Credit score has dropped XXXX points ( No outstanding Credit. ) I even have a letter from XXXX XXXX stating they have corrected this XX/XX/XXXX. They purchased it XX/XX/XXXX. According to All the Credit Bureaus it has not happened. They are still reporting my Mortgage paid off and with NY XXXX XXXX. 

I have contacted XXXX XXXX over 11 times since XX/XX/XXXX. I even have a direct line to Customer Service Escalations and he is no longer answering. I have contacted the VP of customer Service - NO RESPONSE Equifax even had my residence as one I had not lived at for 4 years.
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect names : XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX APT XXXX XXXX XXXX, XXXX  XXXX Employer : NOT PROVIDED Date Updated : XX/XX/2018
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XXXX account hacked, stolen tracking numbers, headache. 

Someone hacked my XXXX account on XX/XX/2022 and made three large fraudulent " spoof '' purchases ; {$880.00}, {$880.00}, and {$990.00}. The seller account which has since been ghosted is XXXX. What I mean by spoof is that the items were never shipped, but show as delivered because the seller/hacker provided stolen/duplicated tracking numbers that correlate to XXXX purchases that were delivered to my city. When I reach out to XXXX, they say they can't help me because I have filed a dispute with my card, which I have. I went to XXXX claims and was able to get detailed tracking info for one of the tracking numbers showing XXXX as the shipper, and someone else as the recipient. XXXX cancelled my claims on the other two tracking numbers, and when I called I was told that because XXXX was the shipper, I needed to reach out to XXXX for more information. I tried to chat with a rep for XXXX, but they would not provide me any further information. The reason I was told is due to security issues. When I try to contact Citi, I am told they don't see this dispute in their system, but then if I push them further I am told it is under fraud investigation. I have not been issued a security credit on these charges, nor have I been told when I can expect a resolution. Very frustrated with automated and unhelpful service when dealing with this scam on my card.
Complaint sub-issue: Trouble with how payments are handled

I am a XXXX and have worked full time since 2012 aside from maternity leave. I was fortunate to qualify for XXXX Loan Repayment through XXXX and XXXX which helps me make payments for 3 years, providing me more money each month than I am required to pay to FedLoan Servicing. 

Recently I submitted my Public Service Loan Forgiveness ( PSLF ) certification but was shocked to see that I have only made XXXX qualifying payments in the 4 years that I have been working at my XXXX. FedLoan Servicing 's justification is that the extra money that I paid on top of what was due, automatically was put towards the next month, disqualifying ALL of those payments from PSLF. 

For each month I made payments from between {$2800.00} and XXXX each month, while only required to pay {$720.00}. My bills however show {$0.00} due every month. 

I find it outrageous and disheartening that by default, overpaying your bill each month would result in " Paid Ahead '' disqualifying payments from the PSLF program, unless I had taken additional steps to personally request that the money not be put towards the following month. I feel like the last 3 years of my payments have been wasted, and my XXXX program actually extended my PSLF months. 

This results in 3 years of additional payments, which is real money. It results in me being locked into a qualifying employment situation for XXXX additional years, all because for a period of time I was able to pay extra. I find it unjustifiable that by default, extra payments have negatively impacted my life.
Complaint sub-issue: Trouble closing card

Wisely was the card of choice with XXXX XXXX XXXX and this organization was the only way that I was able to get my paycheck when I first moved over to XXXX XXXX XXXX XXXX The XXXX XXXX XXXX. 

It is my belief that due to the proximity of this shelter to organizations such as XXXX that this became a common piece of mail with a unique senders address that they became very familar with recognizing. 

Issues that I ran into at this address as well as XXXX XXXX XXXX XXXX include : holding the mail, the use of social engineering to allign purchases of goods and/or services with people, places, or things with ties to the organization for some level of evaluation that was used in the placement of social services, housing, or benefit review without the consent of oversight to monitor for abuse, neglect, or misuse of these types of tools. 

Often did not have the consent of the consumers whose credit this impacted and often did not care as most of them they would disable and then use incidents like this to ruin credit or banking opportunties to " burn '' the consumer from any future of having access to these types of tools. They do not allow consumers to foward their own mail from the post office but instead require the consumers to goto the shelter in order to pick up their mail. They do not notify the senders that the receiptants have moved. In some cases they call the vendors, banks, or other organizations posing as the consumer themselves in order to reverse engineer their accounts, gain intelligence on the consumer, and do things to wreck their consumer credit score. It is well known that they employ former vetrans and those in lower level security jobs like XXXX XXXX XXXX to act as agents tio gain intelligence on these consumers.
Complaint sub-issue: Attempted to collect wrong amount

Since XX/XX/2008 my home has been a subject of illegal foreclosures attempts. On the first one the Bank/Servicer/Investor or whatever they were, stated that my mortgage note was destroyed or lost. Since then 2 other  Bank/Servicer/Investor tried to do the same but all cases have been dismissed in court. Now a Trust that its not even listed at the Securities and Exchange Commission just filed another attempt : XXXX XXXX XXXX XXXX, XXXX as Trustee of XXXX XXXX  XXXX XXXX XXXX. I have requested the Servicer XXXX XXXX  numerous times sending a Qualified Written Request to find the real owners of my Mortgage since I would like to negotiate with them. They ignored my requests. Please you are my last resource.
Complaint sub-issue: Information belongs to someone else

XXXX {$700.00} million data breach settlement : innovis XXXX Credit Bureau May Be Violating Consumer 's Rights
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize any of these unknown fraudulent inquiries that's on my credit file and I'm demanding that these unauthorized inquiries be removed. 

1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX ( XX/XX/XXXX ) 3. XXXX XXXX XXXX ( XX/XX/XXXX ) 4. XXXX/XXXX ( XX/XX/XXXX ) 5. XXXX ( XX/XX/XXXX ) 6. XXXX XXXX ( XX/XX/XXXX ) 7. XXXX XXXX ( XX/XX/XXXX )
Complaint sub-issue: Reporting company used your report improperly

Upon reviewing my dispute results received from Equifax who claimed they verified and updated the account disputed, I see that they continue to update the account outstandingly inaccurate and incomplete after having multiple opportunities to comply with the FCRA. 

Equifax states the information provided to determine the accuracy and completeness came from the original creditor, however Equifax is reporting different information than the original creditor. Equifax last payment date does not match the last payment date XXXX XXXX  reported to equifax. Equifax failed to provide complete information such as high credit, scheduled payment amount, etc even though XXXX XXXX  provided Equifax with that information as seen on the dispute results. Equifax reports XXXX XXXX  as charged off but failed to provide the account closed date. 

Also, Equifax failed to prevent inaccurate reporting by XXXX XXXX  : If my last payment date was XX/XX/2021 ( which is incorrect ) setting my balance to {$2200.00} then why is the balance now {$2200.00}? Nothing has changed. That triggers the high credit to change from {$3500.00} to {$3500.00} which again is incorrect. 

Equifax has violated several laws listed below : 15 usc section 1681 e ( b ) : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 usc section 1681 i ( a ) ; If ANY information disputed is found inaccurate and incomplete the consumer reporting agency must update or delete items disputed 15 usc section 1681s-2 ( b ) requires the credit reporting agency to examine sufficient evidence to determine whether the disputed information is accurate.

15 usc section i ( b ) ( 7 ) Description of reinvestigation procedure : A consumer reporting agency shall provide to a consumer a description by not later than 15 days In addition, I have the right to privacy according to 15 usc section 602A.
Complaint sub-issue: Information belongs to someone else

I just looked at my credit report and was shocked to see the errors listed in this correspondence. I am writing to have you remove these erroneous items from my credit profile immediately. 

The following accounts needs to be removed immediately : Account Name : XXXX Account Number : XXXX Amount : {$53.00} Reason : XXXX verify and validate all data for this account, every notation, dates and balances, whether reported or not. 

Account Name : XXXX Account Number : XXXX Amount : {$3900.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$540.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not.

Account Name : AFNI Account Number : XXXX Amount : {$3800.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not.

Account Name : AFNI Account Number : XXXX Amount : {$230.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 

Account Name : XXXX Account Number : XXXX Amount : {$390.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 


The following Inquiries need to be removed immediately from my credit profile : Creditor Name : XXXX Date of Inquiry : XX/XX/20 Reason : This inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, remove it immediately. 

Creditor Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/20 Reason : This inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, remove it immediately. 

Creditor Name : us small bus admin oda Date of Inquiry : XX/XX/20 Reason : This inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, remove it immediately.

By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit profile. It is my understanding that you will recheck these items with the creditor who posted them. Please send an updated copy of my report to the above address.
Complaint sub-issue: Received bad information about my loan

AES is the worst financial institution I have ever dealt with ( and I 've XXXX ). They continually mislead consumers with their billing statements. They deliberately exclude the accrued interest on principal balances and do NOT show the proper account balance on regular billing cycles! 

This harms consumers. We can not make the best, most informed repayment decisions if the information we are receiving is partial and misleading. 

I am disgusted with this company. These interest rates are so outrageous they should be illegal. Incorrect or incomplete customer correspondence & billing should be a crime and this company should be prosecuted and heavily fined.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I submitted a disputed in regards to Fraudulent items that have appeared on my Equifax Credit report. XXXX  has been aware of me being a victim of identity theft since XXXX of the same year as I submitted my True Identity Credentials and my Law Enforcement validation of my claim. after doing all of this in respect to the reporting agency 's protocol and the requirements of FCRA 605b. The following are accounts and inquiries in complaint : XXXX XXXX XXXX. Collections XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) Fraudulently Opened on XX/XX/XXXX XXXX. XXXX XXXX BANK Account # XXXX ( Reported Identity Theft ) Fraudulently Opened on XX/XX/XXXX XXXX XXXX  XXXX XXXX Account # XXXX ( Reported Identity Theft ) Fraudulently Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) Fraudulently Opened on XXXX XXXX. XXXX XXXX  Account # N/A ( Reported Identity Theft ) Fraudulently Opened on XX/XX/XXXX XXXX. XXXX XXXX  Account # N/A ( Reported Identity Theft ) Fraudulently Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX Account # N/A ( Reported Identity Theft ) Fraudulently Opened on XX/XX/XXXX FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  XXXX XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Complaint sub-issue: Debt is not mine

My ex wife and I had a HLOC and a note on our lake property which I now live in since we are divorced. The court order mandates that I maintain payments on the debt which I have done every month. We have never missed a payment until Key Bank stopped taking payments out of my account. The actual Key Bank debt was discharged from me in XXXX but my ex wife is still liable for the debt. She did not let me know about the note due at the end of XXXX since she had all the documents. That is when they stopped taking payments out of my account and did not notify me ... I had to find that out on my own. After a series of calls I findly contacted their outside counsel who instructed me to continue to make payments and I have. I received a letter on around XXXX XXXX, XXXX stating they were going to start foreclosure. I have told them all along to roll the note over into my name ... no cooperation. The whole issue is over a legal piece of paper not about failure of payment!! The bank has put themselves in a position of not wanting to solve the issue. I have talked to outside legal counsel and they are scratching their heads as well. I need someone to intercede on my behalf to talk with the bank because every person I talk with gives me a different answer ... mean time they are pushing for foreclosure internally while the banks outside legal counsel tells me to do something else.
Complaint sub-issue: Account information incorrect

I tried contacting XXXX on XX/XX/XXXX via correspondence USPS tracking number XXXX. The late payment dates for XX/XX/XXXX to XX/XX/XXXX ; XX/XX/XXXX to XX/XX/XXXX is incorrect, I was currently attending school full-time at XXXX University. Qualified for In school deferment. Loans was not placed in deferment status.
Complaint sub-issue: Can't close your account

On XXXX XXXX, 2019 I attempted to close my home depot credit account. As it had been " under review '' by the company for over a month with no attempt to contact me. When I attempted to close it, they attempted to secure a credit card number from me from a different Citi bank account, my government travel card When I declined to give them that number, they refused to close my account and said they would be in touch as the account is still under review. 

The account has a XXXX balance and has had a XXXX balance for over a year. There is no reason to have the account under review, as I have requested that it be closed. 

This experience had been a massive waste of time for me and reflects poorly on Citi bank and the home depot credit center as a whole.
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity Theft ... .I have submitted all of the proper documentation including a copy of a Police Report and Identity Theft affidavit to all 3 bureaus ... .This has absolutely ruined my life ... .I have never lived in XXXX, Georgia !! ! I haven't applied nor attended any School ... yet XXXX  continues to report 4 charge off student loans on my credit file ... Acct # XXXX in the amounts of XXXX and XXXX and acct # XXXX in at the amount of {$4300.00} ... ... Equifax continues to report 2 charge offs with the same Student loan accounts ... .and Equifax continues to report these XXXX XXXX XXXX the amount of {$2000.00}!!! These accounts are not mine ... .they are FRAUD and they have failed to respond to any of the documents that I have submitted!! I am more than ready to pursue legal action against all involved!! Just look at the big disparity between the 3 reports ... .XXXX  is the only bureau that has done the right thing here!
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019, XXXX repossessed my car and said that I had to pay to get my car back. This is not where the fraud ends! Pursuant, 15 U.S. Code 1605, finance charges are explained. Built into the finance charge is an insurance that protects the lender in the event the obligor defaults. XXXX sold my car in auction. I defaulted on XX/XX/2019. Which means XXXX received insurance money! They took it even further and put it on my consumer report stating it as a charge-off. Well, according to the IRS, when a creditor cancels a debt or file a form 1099c on any amount over {$600.00}, they must send the obligor/consumer a form 1099c. {$13000.00} was written off. I never received my form 1099c for this cancelled debt! A cancelled debt means exactly what it says, a cancelled debt! So, how did they coerce me into paying the balance? They have deceived me, and they have frauded me! In addition to the insurance money they collected, the IRS classifies a charge-off or cancelled debt as gross or income! You are reporting a charge-off on my consumer report. Income does not get reported on my consumer report! This is inaccurately reporting this account! Furthermore, XXXX has committed tax fraud! They have this account reporting on my consumer report as a cancelled debt, meaning that portion of the debt has been cancelled.
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 15 USC 1681. 

XXXX  # XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX The above 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 602 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 furnish 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: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.