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

I am appalled by the lack of responsibility of the Credit Reporting Agencies. When will the Credit Reporting Agencies going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please repair the following accounts : XXXX XXXX Balance Owed : {$170.00} This account has been disputed because of the erroneous information this account reports on my Credit file. How many times do I have to tell you that this account is reporting incorrect payment history? I was never late when paying with this account. I have been recording my own payment records and what they present is different from what I have. I need you to correct this accounts payment history by removing the late payments on the payment records. 
XXXX XXXXXXXX XXXX Balance Owed : {$450.00} This charge off account is reporting inaccurate balance in my Credit Report. Charge off accounts should always report balance as XXXX, then why does this account continue reporting with {$450.00} as balance if this account was already a charge off? I have been trying to correct this erroneous information and yet you have done nothing. I need you to immediately remove this account as soon as possible. 
XXXX XXXX Balance Owed : {$0.00} I do not remember having an account with this company. I have been asking you to provide me copies of proof of ownership and yet you have sent me nothing. Once again, please send me copies of proof of verification or any documents bearing my signature confirming my ownership of this account. Inability to provide such documents should result in immediate removal of the account. 
XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019 I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this public record for violating the Fair Credit Reporting Act. 
XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019 I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this public record for violating the Fair Credit Reporting Act.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I borrowed XXXX which cost me three times as much. Didnt really realized made 5 payments at XXXX still owe them. Cant pay because trying to get my social security I am XXXX years old and live with my mother. Not working and they are harassing my XXXX year mother 4 or 5 times a Day.
Complaint sub-issue: Account status incorrect

This account was open on XX/XX/2014. It is 8 years and 6 months old and should be automatically removed off my credit report. It has reached its limit and is going against the air credit act.
Complaint sub-issue: Information belongs to someone else

i was victim of identity theft, somebody used my personal information.
Complaint sub-issue: Fee problem

I have had issues with PNC bank regarding overdraft fees since I first opened the bank account in XXXX. I have below dates and total dollar amount taken from me since XXXX. It has been a lot more than this prior to XXXX but information is not easy to obtain. it would cost me {$5.00} per statement just to obtain every overdraft fee. I have been in contact with PNC on an every week basis and I am always fighting with them some times on social media on XXXX. I was unable to obtain any reward from the previous class action against them as I was a year too late. I am willing to pursue a new one if this issue does not resolve itself after this complaint. Overdraft fees hit on my account might into the thousands.

( 2 ) fees from this time period may have been refunded since this time period but all else stands. Please see below every overdraft fee since XXXX : XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} - {$5.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$30.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$66.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$100.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$130.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$170.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$210.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$240.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$280.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$310.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$350.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$390.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$420.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed credit management comcast, several times and it didnt delete off my consumer report. By law, Under 15USC 1681s-2 prohibition. A person can not furnish information knowingly information is INACCURATE. The IRS, says charge off is earned income. Whether I have a 1099c or cancellation debt, I can claim on taxes as income. I have notified this inaccuracy account several times and still I see this reporting. By law, a person can not furnish information after notices of confirmed errors. Its must be held to its maximum accuracy, under 15USC 1681e ( b )
Complaint sub-issue: Debt was paid

Received a notice in the mail on XX/XX/2019 from Jefferson Capital Systems, LLC for a debt of XXXX. I called XXXX and spoke with a representative who explained this debt was from 5 years ago for a payday loan. I explained to the representative that I would be willing to settle the account with them for XXXX The representative needed to request approval from her supervisor and placed me on hold. When she came back on the line she advised me that they would be willing to settle and close the account for XXXX. I agreed and she took my payment over the phone providing me with confirmation number XXXX. She advised they would be sending me a letter confirming the debt had been paid and I would receive it in the mail. I checked my credit report and noticed the debt had been removed from my history.Unexpectedly onXX/XX/2019 I received a letter from XXXX XXXX XXXX XXXX  requesting XXXX for the balance owed to Jefferson Capital Systems, LLC. Infuriated that Jefferson would say they were settling with me only to sell the remainder of the balance to another debt collector I contacted XXXX XXXX XXXX XXXX  and spoke with XXXX. I explained to her the situation and asked her if they could review my call with Jefferson to see that I was told the debt would be settled. She placed me on hold and stated her manager was going to work with Jefferson and I would receive a call back. The XXXX is now showing up on my credit report and decreased my credit score! I didnt hear anything back from this company, so todayXX/XX/2019 I called XXXX XXXX XXXX XXXX  again at XXXX requesting an update and the representatives are telling me they cannot locate an account for me. This debt of XXXX has significantly decreased my credit score and I want it removed! Please help me! I feel helpless.
Complaint sub-issue: Old information reappears or never goes away

XXXX never picked up equipment after we moved. This charge has been removed last year by XXXX and now it appears again with a new debt collector. It states in report that this has been charged off. Have them remove it immediately. Debt collector was notified but still reported this.
Complaint sub-issue: Account information incorrect

The vehicle is a XXXX XXXX with vin XXXX and the account number XXXX. 

I paid a XXXX lease in full and returned the vehicle in pristine condition, and well under the mileage limit allowed from XXXX XXXX to XXXX XXXX. 

I was told that there may or may not be an additional payment depending on XXXX 's final evaluation of the vehicle. I was in the process of moving from XXXX  to XXXX  in XXXX and lost track and contact with the company through time. 

The account was showing a status of " Paid, closed '' previously but ended up going in to a collection status for {$380.00}. I thought there was a mistake so I disputed it and around that time my credit score decreased by 100 points. 

There was a lot of confusion so I payed the additional payment but the account status is now showing up as 24 Charge off 's. This is frustrating because its derogatory and looks bad after I paid in full as agreed for {$17000.00} plus the exiting {$380.00}, and is obviously affecting my score negatively. 

I tried contacting XXXX several times to try and come to terms on this, but I keep getting shifted around, or I need to set up a new account but don't have information to start an account etc.. They're very difficult to work with, and to get in touch with the right people seems nearly impossible.
Complaint sub-issue: Account status incorrect

I recently received a copy of my Equifax credit report today and found proof that they are still illegally reporting inaccurate information about me. The 2 following alleged collection accounts with XXXX XXXX is listed with a Past Due balance of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} This is a violation of the FCRA and it's in violation of requisite METRO2 Compliant reporting standards. 

This has been my 4th attempt to get them to update the collection account on my credit report and each time it changes to open to close to open to close... now showing a past due amount on both accounts which can't be allowed if it's a closed charge off. 

Please IMMEDIATELY remove these 2 accounts from my credit report and have them send me an updated report showing they're in compliance with all the XXXX reporting standards and these accounts removed upon completion. 

Sincerely, XXXX XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

XX/XX/2022 TO : Consumer financial protection board ( cfpb ) RE : Credit card theft by XXXX account registered under email address I am lodging a formal compliant of credit card theft against the payment system XXXX, aided and abetted by Discover card. 

I have accounts with both companies. I have the XXXX account ( under email address ) purely for an occasional convenience and rarely use it. But XXXX on about XXXX stole a credit card authorization on a Discover card I own. Prior to XXXX, I had received a couple of email notices from XXXX that a Discover card on my XXXX account was about to expire and that I should update the card which is all that the notices said. I ignored the notices as I wanted to let the card expire after which XXXX would no longer be authorized to use it. I never received a notice from XXXX detailing any consequences or actions the company would take if I allowed the card to expire. I NEVER AUTHORIZED A RENEWAL OF THIS CARD FOR THE XXXX ACCOUNT. Nonetheless, I received an email from XXXX on XXXX notifying me that it went behind my back with no authorization from me and updated this card to renew it. The XXXX notice is attached. 

Credit cards have expiration dates because payment agreements by customers are NOT perpetual with any vendors or payment systems. Customers carry the legal obligations of debts and by that they have full and total authority over any and all authorizations of credit with vendors or payment systems. 

NO XXXX  actions can not be legal. When someone dies or is incapacitated or just no longer wants a previous payment arrangement, they have a right to have a financial charging agreement die with the expiration dates. Their cards can not be endlessly renewed and/or charged by a vendor of any type. 

I do plan to completely terminate my account with XXXX. But if I do that before this theft complaint is investigated, XXXX could claim that I never had an account. This is a HORRIBLE, NIGHTMARE company that makes customer complaints disappear and preys on consumers. 

Respectfully submitted
Complaint sub-issue: Information belongs to someone else

I am writing this due to non-compliance with the (Equifax, XXXX  ,XXXX). They have failed to remove information that was affiliated with personal details that were challenged in the past . I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Complaint sub-issue: Account status incorrect

I defaulted on a credit card with First Progress, date of first delinquency XX/XX/XXXX. It became a charge off and I paid it in full XX/XX/XXXX. I started sending goodwill letters in XX/XX/XXXX as I was trying very hard to clean my credit report. First Progress changed the information in my credit reports ( XXXX  and XXXX ) to a brand new charge off in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX so it is showing on my reports as a brand new missed payment, derogatory charge off every month. 

This is causing severe damage to my credit score and has caused me to be turned down for loans and credit increases through my bank, XXXX XXXX XXXX XXXX. I have disputed with the credit bureaus, XXXX XXXX XXXX  and the company directly to remove the false reporting. They refuse to do so and keep reporting it as a brand new charge off every month. 

I realize I made a mistake in XXXX. I paid for my mistake in full XX/XX/XXXX. They are not allowed to keep reporting as a brand new charge off every month. 

I spoke at length with the XXXX following my attempts to fix this. The company admitted what they were doing and claimed twice the fixed the issue. XXXX recommended I take a complaint through CFPB because of the companys illegal reporting. ( Ref # XXXX )
Complaint sub-issue: Received bad information about your loan

I am a XXXX XXXX XXXX with 5 complete years of full time service in a XXXX XXXX  XXXX. I meet ALL of the criteria for a {$17000.00} reduction in my student loans and was denied. My application was completed accurately and I uploaded it correctly. I meet all other criteria as well. 

No additional information was provided to explain or justify the denial from Fed Loan Servicing. I have read countless stories from teachers nationwide who have experienced these very same frustrations. 

I have earned this XXXX  loan forgiveness, and I am entitled to it, based on the requirements that Fed Loan Servicing set forth. 

I would like this resolved as soon as possible.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased online 4 car wheels which had defects from a merchant. I requested the merchant send me a prepaid shipping label to return those wheels but they refused, I then submitted a dispute through my credit card bank to help with the dilemma. My credit card bank did not obtain a pre paid shipping label from the merchant so I could ship the wheels back without any expense, since the wheels were defective and of no use to me. Thank You
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. THIS IS THE 4th TIME I have had to complain about my personal information that is not correct : My name is XXXX XXXX XXXX please, please delete any other version of my name. My SS XXXX and is XXXX XXXX. Please delete the following fraudulent addresses from my credit file:XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX. The following phone numbers are not PRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting ISSUE Incorrect information on your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes TYPE OF ISSUE Information belongs to someone else mine : ( 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. I have an unverified account from the following companies : XX/XX/XXXXXXXX XX/XX/XXXX # XXXX, XX/XX/XXXX# XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX# XXXX, XX/XX/XXXX XX/XX/XXXX# XXXX. I am filing an FTC ID THEFT report as well as a XXXX Police report. My income was affected due to the COVID 19 PANDEMIC I was never assisted with payment relief under the CARES ACTS! The CARES Act calls these agreements accommodations. I am disputing XX/XX/XXXX# XXXX late payments from XXXX, XXXX, XXXX, XXXX I was told that they would be removed due the the GOV mandated of student loans.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Someone I do not know hacked my computer and made fraudulent charges on my account amounting to {$8700.00} and was made on XX/XX/2019.
Complaint sub-issue: Their investigation did not fix an error on your report

Via Certified Mail, Return Receipt Requested XXXX XXXX XXXX, Account Charged off. This account has been placed with XXXX XXXX XXXX XXXX For Collection. My disputed account reporting on my XXXXXXXX Equifax and XXXX Credit Report following investigation, and each credit bureau refuse to re-investigate, OR verify the accuracy information I disputed.
Complaint sub-issue: Information belongs to someone else

It appeared that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items : XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$6000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$550.00} ; XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX Date of inquiry : XX/XX/2021 If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Complaint sub-issue: Received bad information about your loan

I am enrolled in the public service loan forgiveness and have been since XXXX. My loans have changed hands a number of times and are now being handled by XXXX. I should be due to have them pay off my loans by the end of XXXX. I received a payment count of 64 in XXXX, which then suddenly dropped to 59 and 61 payments. This makes no sense as the payment is applied to all loans, not just one. This does not reflect the length of time that I have been making payments on my loans. I called and asked for a reason and they could not give a reason. I asked for a recount on XX/XX/XXXX and was told it would take 60 days. Today is XX/XX/XXXX. I called them today and was told that it is still being counted and they have no idea when it will be complete.
Complaint sub-issue: Non-sufficient funds and associated fees

I asked to change the account type to Basic Banking Package at around XX/XX/2018, and staff told me that my account will be changed in 24 hours. However, my account type is not changed, and there was {$25.00} each month, {$50.00} in total was charged to my account. Once I found out, I asked to change again at XX/XX/2018. Again, the staff told me the account will be changed in 24 hours, and refund me the $ XXXX month fee. Yet it turns out, the account remains the same, and the month fee continued. For the third time I asked, the staff told me that my initial request was denied ( I don't know which " initial request '' was referred ) but I did not receive any notice of denial. The month fee charged will be gone.
Complaint sub-issue: Was not notified of investigation status or results

My credit report is reading that my accounts are closed and is causing harm to my reputation. I have yet to get a response about this debt after I have written letters to have it verified or removed. My account balance is showing {$10000.00} in total from all accounts. If it can not be verified, I would like the invalid information to be deleted. I have no original documents with my signature stating that I owe any collection agency any money for whatever reason. My status is reading in collections! At one point I was receiving numerous of phone calls being harassed that led me into changing my phone number. I want to be done with this for good. Please help!
Complaint sub-issue: Other problem getting your report or credit score

My credit score does not ever change with Equifax. Equifax is not removing inquires off my report. I have file a FTC report to have account remove they have refused. Equifax have not updated my credit report with my good standing creditor 's. Equifax will not remove accounts that are over 7 & 10 years on my report .I am reporting discrimination and the customer service rep are rude and hang up the phone to keep you from disputes. 
I am very discussed with them .EVERYTIME I CALL they have my number on block to keep me from getting thru. I get a recording from my number but, when i call from another phone number I get thru to them .when a rep answer they put me on hold for a long period of time This is so unprofessional. we need to replace this company.
Complaint sub-issue: Received bad information about your loan

I co-signed a loan and it was changed without my knowledge. Company should have made the decision to have another loan signed before approval of student loan. I disputed the debt collection and ZuntaFi conducted an investigation, still not resolved. I am worried that it will reflect in my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims  credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, CA XXXX