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

Throughout the years, i've had to file against the credit bureaus due to inaccurate reporting of the facts regarding a collections from XXXX that is handled by Jefferson Capital Systems. Last month, all the credit reporting agencies including XXXX  finally removed this item from my report. As of today XX/XX/2021 my credit report shows there are no collections, zero. I am writing to you because there is a collection by mail from XXXX  today and this is misreporting, unlawful, damaging top my perfect credit history and unlawful. 
Please see the attached documents. As it stands, Jefferson Capital and XXXX have been wrong all along and I have submitted much paperwork to prove it. It is unfair to report both things as true and false at the same time, therefore it is inconclusive and inaccurate reporting and it needs to be stricken and removed from my public record and report immediately. I find it appalling to see how these collection agencies do not ever do any thorough investigation as items keep getting placed back. This inaccuracy has been made public and it tis time to stop! As I see it, the credit reporting agency XXXX  is wrong in reporting inaccuracies and at the same accounts as closed and removed and opened and current at the same time ; Inaccurate, damaging and unlawful.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$55.00}, and XXXX XXXX Balance Owed : {$0.00}.
Complaint sub-issue: Having problems with customer service

Citi bank hold about {$28000.00} of my private loan debt. I have paid them online every month and have not defaulted ever. 

on friday XX/XX/XXXX I got a letter in the mail that was a XXXX tax forum claiming that about {$16000.00} of my debt was cancelled in XX/XX/XXXX. when I called I was told they sent one for my XXXX loan as well. So right now the government things I have has about {$28000.00} of debt cancelled and expects me to file it as part of my income, BUT it has n't been discharged and I have been paying it the entire time. 

When I tried to talk to them about it they would only tell me that the documents were an error. they gave me no information about how they were going to fix it, what will happen with my taxes or WHY this happened in the first place.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I CALLED EQUIFAX ON XXXX. THEY HAVE ALL THE INFORMATION THERE BECAUSE THE WOMEN THERE ASK ME IF THE INFORMATION WAS A SOCIAL SECURITY CARD AND A DRIVERS LICENCE I TOLD HER YES THEN SHE REFRAMED FORM ALL OF WHAT SHE HAD SAID AND TOLD ME THAT SHE CAN NOT GET INFORMATION ABOUT WHO I AM AND TOLD ME TO GET THAT IDENTIFICATION THAT SHE ALREADY HAS AND RESEND IT TO EQUIFAX. SHE IS JUST WASTING TIME FOR EQUIFAX DOES NOT WANT TO CHANGE INFORMATION IN DISPUTES OF WHICH MANY TIMES I HAVE SENT THEM. I TIRED OF THE RUNAROUND. I CAN NOT EVEN ACCESS ONLINE EQUIFAX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax, XXXX, and XXXX every month disputing negative items that always bring my credit score down and I am in the middle of purchasing a home. I am a XXXX XXXX   veteran with nothing to my name and I am sick of it. These credit agencies will not fix errors even after I send them legal documentation signed by a judge stating I am not responsible for these following accounts, but they violate the FCR laws by always reporting what the creditor tells them to report instead of acting whats in the best interest of the consumer. So if I have a legal document stating I am not responsible I ask them to remove the accounts from my credit they so call investigate the creditor tells them dont remove it ... they do not follow guidelines they act on behalf of the creditor and keep reporting me negatively and I am so frustrated with them they are extremely rude over the phone and they do not seem to listen. They are wrongfully reporting I have three XXXX XXXX  accounts with arrearages totaling over a freaking {$43000.00} when I only have 2 accounts Ive asked them to remove the duplicate account for 3 years now and it has not been removed. I have 2 eviction collection accounts, 2 bailsbonds accounts, 2 credit cards that they still have not removed and the companies are no longer able to collect because it is way past the statute of limitations to collect. And I am not even responsible for them someone else is, but these creditors still keep reporting to the bureau and the bureau still goes against FCRA laws and reports it anyway. I pay all of my bills on time and I not supposed to have nothing but 2 accounts on my credit. My complaint is Im supposed to have a debt to income ratio below 43 % and credit scores up in the 620s/640s range but these credit bureaus seem to have a real big problem with reporting me accurately as if their main mission is to always keep my credit scores under 500 someone really needs to step the XXXX up and do something about these agencies. It is real scary having these agencies have total control over your life and credit. This is my third and final complaint and nothing has been done to remedy the situation my next step is to file a very hefty federal lawsuit for violation of the U.S.C
Complaint sub-issue: Card opened as result of identity theft or fraud

My wife from whom I separated and flied for divorce in XX/XX/2021, opened two credit cards with CitiCards in my name without my knowledge or permission. She has since admitted to me that she did. 
The first card appeared on my credit report on XX/XX/2021. 
I reported the issue on identitytheft.gov.

Unable to find a phone number of CitiCards to report the issue, I sent CitiCards a letter on XX/XX/XXXX to the address listed on the credit report, demanding that they close the account and that they accept that I am not responsible for the charges. They have not responded to that letter since. 
I also reported the issue to the police of XXXX, MA on XX/XX/XXXX, but have not heard back from them. 
I have since been able to obtain statements for both cards. The first has a credit limit of {$3600.00} and as of XX/XX/XXXX, a balance of {$3500.00}. The second card has a credit limit of {$2000.00} and as of XX/XX/XXXX, a balance of {$1700.00}.
Complaint sub-issue: Account information incorrect

i have been a victim of fraud and id theft, equifax, XXXX, XXXX  all 3 agencies have allowed inquries from companies that i never allowed to use my personal information to obtain or open accounts, cars store, creadit, my name is incorrect i requested all agencies to remove all inquries everyone correct the spelling of my name and updated my correct creadit scores.
Complaint sub-issue: Reporting company used your report improperly

In a accordance with the fair credit reporting act XXXX  account XXXX XXXX has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX  XXXX XXXX Department of education # XXXX XXXX XXXX XXXX  # XXXX Us department of Ed/XXXXl # XXXX XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX
Complaint sub-issue: Account information incorrect

Back in XXXX my credit score with Equifax was XXXX, in XXXX it decreased by XXXX to XXXX, in XXXX it increased by XXXX pts to XXXX, in XXXX it decreased by XXXX pts to XXXX give or take. When I called Equifax, the Equifax representative could not explain what happened. There is no reason for my credit score to decrease like this. According to a source that I use, it showed me that the reason for my Equifax credit score decrease was because of my XXXX/XXXX  Account Number XXXX, it showed that the date reported in XXXX was XXXX and in XXXX it was XXXX. The other Account is XXXX, Account XXXX XXXX, the date reported in XXXX was XXXX, the date reported in XXXX was XXXX. 

I noticed that these accounts were put in a bankruptcy back in XX/XX/XXXXalone with some other accounts and I believe that these accounts may be getting re-aged by the different dates I noticed Equifax are putting in them, I disputed these accounts, because they are not showing accurate information concerning dates and balances even though it was filed in a bankruptcy, but this should not cause my credit score to go down. I did the same thing with XXXX  and my credit score has only gone up. 
I have disputed the inaccuracies with these accounts that were put in bankruptcy more than once and it is still showing inaccurate and incomplete information. The same amount my credit score has decreased with Equifax, it should have increased by the same amount, my credit score should be in the XXXX at this point, I have not been late on paying any of my bills, my revolving accounts are paid on time and they have been paid down some more, my installment accounts have consistently been paid on time and more. 

Documentation of proof can be provided upon request if needed.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I submitted a dispute to XXXX and Equifax because I received a credit alert that my score had dropped over 200 points. In the dispute, I provided corporate documentation to show that they were reporting a XXXX corporate account ending in XXXX, on my personal credit file in which the usage caused me to lose two credit cards which were in good standing a XXXX XXXX  XXXX with a {$15000.00} credit limit, a XXXX XXXX XXXX with a {$12000.00}, denial for a mortgage loan, and the limit on other credit cards to be reduced because of the high usages. I informed them that the business 's high usage was killing my credit score, I went from XXXX to XXXX. 
In my dispute, I provided Corporate Documents ( Articles of Incorporation, an Ein letter, a Credit Card statement showing the Corporation name, and the letter from the creditor showing it was a business account ). I have called several times and they refuse to remove it from my credit file and changed it to an individual credit account which is inaccurate. This has cost my family financial hardship. I went from an excellent credit rating to a fair rating because of the business usage being reported on my personal file. XXXX removed it from my credit profile, but Equifax and XXXX refused to do so. I have submitted 4 disputes and they still refuse.
Complaint sub-issue: Their investigation did not fix an error on your report

on XX/XX/2021 XXXX XXXX XXXX put a derogatory account on my credit report for the amount of {$430.00} a DEBIT CARD that I owed money on which was NOT CREDIT RELATED and under the FDCPA that is not supposed to be on my credit report being that it is for a DEBIT CARD and nothing credit related I disputed the account and the credit bureau sent a response saying that the information was accurate which in fact it has nothing to do with credit and was a debit card. I have disputed this information several times and still got the same answer that the account was accurate nothing else stating how they did they investigation to know the account was accurate or even if it was CREDIT RELATED
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax, XXXX and XXXX  are reporting an incorrect coding of the XXXX - account number XXXX. This account is being coded as an M2 when actually this needs to be coded as an M1. ( Please see page 3 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

I filed XXXX XXXX bankruptcy XX/XX/XXXX in XXXX XXXX My XXXX XXXX XXXX was included. Original loan was $ XXXX I paid the loan every month. Post COVID I suffered financially and filed XXXX XXXXXXXX, the balance left when I filed was only for {$6000.00}. The auto loan company XXXX XXXX XXXX agreed to the court order. The trustee paid the loan in full on XX/XX/XXXX. The court Discharged my bankruptcy XX/XX/XXXX. 
On XXXX XXXX, XXXX XXXX EMVP sold my loan to a collection agency said the balance I still owed was {$110.00}. My lawyer told me not to pay anything, the court paid what was agreed upon. The lawyer sent multiple letters, phone calls, emails. Both companies refuse to rectify the situation. No one will release the lien and provide the Title to me. I am not able to trade the vehicle without the title, can not sell it, can not move out of state and register the vehicle. I feel they violated my protection provided to me by the Federal Bankruptcy laws. I don't know what rights I have, how to fight a corporation that keeps ignoring our request.
Complaint sub-issue: Information belongs to someone else

CHECKED MY CREDIT REPORT AND NOTICED THESE FRAUDULENT ACCTS.    XXXX  XXXX XXXX    Account Number: XXXX****   date opened XX/XX/XXXX  amount $XXXX XXXX  XXXX  XXXX  ACCTS    Account Number: XXXX**             date opened XX/XX/XXXX  amount  $$XXXX    XXXX    Account Number: XXXX****      amount $XXXX date  :XX/XX/XXXX   XXXX XXXX    Account Number: XXXX****     date opened  XX/XX/XXXX    amount $XXXX XXXX    Date of inquiry: XX/XX/XXXXXXXX XXXX XXXX    Date of inquiry: XX/XX/XXXXXXXX    Date of inquiry: XX/XX/XXXXXXXX XXXX    Date of inquiry: XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting me as 60 days past due on the XXXX partial account number XXXX that has a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Complaint sub-issue: Their investigation did not fix an error on your report

Please reverse the late payments reported on the following accounts: XXXX XXXX XXXX0xxxxxxxxx and XXXX XXXX XXXX XXXX XXXXXXXXXXX The accounts were never past due, i never made a late payment to this company ever please change this , i have a good relationship with these companies.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

XXXX XXXX XXXX deposited money on to a Citi Card ( on my behalf ), since according to them, they have gotten away from paying people by checks, and they do not offer direct deposit. <P/>They deposited a {$600.00} Bonus on my card XX/XX/XXXX. I went to one of their XXXX XXXX ATM 's onXX/XX/XXXX to dispense the funds. The location I went to was : XXXX XXXX - XXXX, TX XXXX ( XXXX XXXX XXXX Branch ). The funds was not dispensed, and I contacted XXXX XXXX XXXX ATM dispute department, they told me I had to contact the Card Services on the back of the card in which I did, and the dispute process began. <P/>It is currently XX/XX/XXXX, and I was told on XX/XX/XXXX by XXXX XXXX XXXX ( XXXX XXXX - SVP, Group Manager ) that the {$600.00} was refunded back to Citi Card onXX/XX/XXXX. Citi Card has not to this day dispersed my {$600.00} back on the card.
Complaint sub-issue: Investigation took more than 30 days

I am attaching a letter that I sent to Equifax, XXXX, and XXXX XXXX on XXXX XXXX. More than 30 days have done by, and I have not yet received responses.
Complaint sub-issue: Public record information inaccurate

A BANKRUPTCY WAS FILED IN MY NAME AND I DID NOT DO IT
Complaint sub-issue: Their investigation did not fix an error on your report

I recently contacted the credit bureau regarding an account that shows on my credit report as charged off. This account has been updating each month with the last update on XX/XX/2021. This is an update in the payment history and according to FCRA laws, charged off accounts should NOT include an active payment history. This falsely manipulates the statute of limitations on the debt. My credit score dropped 30+ points due to the credit bureau updating the remarks of the charged off account and it still updating to show an active payment history. I have filed a complaint with the Federal Trade Commission. FTC Report # XXXX
Complaint sub-issue: Was not notified of investigation status or results

I have PAID Charge-Offs with XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX as well as charge-offs that no one has been able to verify and PROVE that are mine with XX/XX/XXXX, XXXX XXXX and XXXX XXXX that I have been disputing with the bureaus. I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XX/XX/XXXX XX/XX/XXXX and Equifax, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by the bureaus to resolve anything. There's also data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XX/XX/XXXX and Equifax must be held accountable and to the standards clearly outlined in the FCRA.
Complaint sub-issue: Problem during payment process

On XX/XX/2020 Citi Costco Visa received {$2300.00} directly from my bank, but failed to credit it to my account, crediting it instead to the wrong account. This was established in a 3-way call with Citi, myself, and XXXX XXXX. It took many calls and many hours on the phone to get Citi to finally credit my account for their mistake, which did not occur until XX/XX/2020. They refuse to correct their record to show they received my payment on XX/XX/2020. I have always paid off the entire balance of my card monthly until their error. Meanwhile I applied for a vehicle loan and Citi 's internal error negatively impacted my credit score. I'm concerned that elderly or frail people would not be able to navigate the phone tree to confront this kind of apparent fraud.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX, XXXX is when I had received the loan. Legally its suppose to be off my credit in 7 years and its been over 7 years and they wont let me dispute it.
Complaint sub-issue: Account status incorrect

I have disputed the late payments on this XXXX  XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Complaint sub-issue: Debt is not mine

i have requested my credit report and there was a reported debt on there from EOS CCA which stated i owe them {$4500.00} for an XXXX Bill i then contacted XXXX to inquire about the bill seeing as i had no knowledge of even having the service with them. I was first transferred to customer service which they have informed me they have nothing in their system of me ever having service with them which then i proceeded to be transferred to their collections department for further confirmation and again they also told me they have nothing even stating i was ever a customer through them. my question is what can i do about this to have them to remove the debt from my credit report this to me sounds illegal to try to collect a debt and report a debt that i do n't even owe.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED DO NOT BELONG TO ME THEY ARE FRAUDULENT ACCOUNTS LISTED ON MY CREDIT REPORT AND ALSO INQUIRES I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.