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

According to the FCRA derogatory or negative items over 7 years old are to be removed from the credit reports. The listing with XXXX Acct # XXXX with an original credit limit of {$12000.00} & XXXX Acct # XXXX with original credit limit of {$29000.00} should have been removed from my credit report on XXXX of XXXX. I submitted dispute letters to the credit bureaus and directly with XXXX on multiple occasions and XXXX continues to verify the inaccurate items. 
For the XXXX listing with a credit limit of {$12000.00} according to my Equifax report dated XXXX/XXXX/XXXX this listing shows that the first date of continuous delinquency was XXXX of XXXX. This item should have been removed from my credit report 7 years from that date ; by XXXX XXXX. It 's now been over 8 months and this continues to report on my file despite that it 's been over 7 years. Furthermore, by XXXX reaging this item clearly violated my consumer rights per the FCRA. In my dispute letter I included a print screen showing how they reported the item in XXXX and how they have re-aged it and are inaccurately reporting still. 
For the XXXX listing with a credit limit of {$29000.00} ; according to my XXXX report this item should no longer be on my file. The first date of continuous delinquency that they are reporting of XXXX XXXX is not accurate. The date of continuous delinquency should have been XXXX of XXXX not XXXX of XXXX. This loan was not deferred therefore according to my contract with XXXX payments would have been due 6 months from the date that I was no longer enrolled in school as such my first date of continuous delinquency should have started on XXXX of XXXX. This item is over 7 years old and should have been removed from my file in XXXX of XXXX. The calculations of these dates, account history and reportability is not accurate. In my dispute I included a print screen showing the inaccurate items that they are reporting. XXXX has deliberately damaged my credit and are negligently continuing to do so at the detriment to my family. I 've been turned down for credit and my good name has been tarnished.
Complaint sub-issue: Seized or attempted to seize your property

CLEAR RECON CORP with XXXX  and XXXX are engaged in CRIMINAL ACTIVITY : CONSPIRACY, HARASSMENT, EXTORTION, and FRAUD ; against the consumer. 

In XX/XX/2019, the consumer rescinded an unsecured loan with XXXX XXXX due to a breach of trust. Accordingly, all trust relationships were legally terminated under the Void ab initio and fraud vitiates everything Doctrine. See Exhibit-1. 

There is No loan - legally rescinded ; There is No lien - legally released ; There is No deed of trust - legally terminated ; and There is No controversy with the deed - legally re-conveyed. 

FRAUD : 1. This account was opened without the consumers knowledge and without the consumers consent. 

2. The consumer DID NOT request to open this account and the consumer DO NOT have a written agreement to open an account with CLEAR RECON CORP ( no communication ; no signature ). 

EXTORTION 1. The consumers first contact with CLEAR RECON CORP was a fraudulent notice of default. 

2. CLEAR RECON CORP claims to be a Trustee, but the consumer is not aware of any appointment of this fraudulent creditor/trustee. 

The consumer is seeking relief from the ongoing conspiracy, harassment, extortion, and fraud.
Complaint sub-issue: Card was charged for something you did not purchase with the card

My PNC Bank credit card was compromised and my card balance is pretty much maxed out! PNC advertises a zero fraud liability, I am disputing all transactions on my account with the exception of the XXXX Office transaction for {$27.00} on XX/XX/20. 

All transactions made after the XXXX Office transaction for {$27.00} on XX/XX/20 are fraudulent. 

I have tried to contact my bank several times, but I can't get through to anyone because the automated voice system requires me to know my full 16 digit credit card number in order to file a claim! 

My phone and wallet with my photo ID and social security card were also stolen around the time my credit account was compromised, I am only becoming aware of the transactions today because my phone was stolen and I have paperless notifications about my account. 

This is so unfair! If someone has been calling in to verify these transactions, it is not me! They are fooling PNC to believe that they person with me card is me, and leaving me to pay the balance!
Complaint sub-issue: Their investigation did not fix an error on your report

I've sent multiple disputes to all the credit reporting agencies for personal information being reported incorrectly, collection accounts not being verified after I asked for documentation via mail, payment history not being updated after I had correspondence with the company to correct inaccurate information that they were reporting to the credit bureaus, and disputes for inquiries I did not authorize. 
XX/XX/2021, XX/XX/2021, XX/XX/2021, I sent a fourth set of dispute letters but can't locate the receipts.
Complaint sub-issue: Received bad information about your loan

I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX and filed student loans via FAFSA. While meeting with my financial adviser we went through all the steps necessary to receive federal student aid for my education at that school. This was back in XX/XX/XXXX, it was n't until XX/XX/XXXX that I was contacted by Tution Options to process a payment of {$230.00} to help pay off my student loan. At that time she also mentioned that I should go on a payment plan of about {$50.00} a month. According to XXXX XXXX, the account manager at the time. This monthly payment was to help keep my loan paid and in good standing and for a while I believed it. I even got a letter in the mail saying that my loan has been paid. What luck! Finally, free from the burden of being in debt! Excellent! Time to get my life moving forward again. It was n't until i got an email from XXXX saying that I required to make a payment. What is this? How can I possibly have a balance on my account, I just received a notification saying that it was already paid off. In fact I got a letter and an email that says so. So in my dismay and confusion I called XXXX, they were super helpful and very kind in helping me with all my questions about my account. She even shared how much of it I still owe. Which is all of it. I mean all of it. All the monthly payments I 've been making through Tution Options had been for nothing. When asked if there were any payments made on that account she kindly replied that I have n't for quite some time and that my account is not in good standing. So naturally I asked if she 's ever heard of Tuition Options, she replied that she did not and immediately recommend that I speak with someone at the CFPB. I hung up the phone and immediately made the call. I was greeted by XXXX who was really helpful in identifying my issue and wanted to start a claim immediately. I told him I could do it on the phone but I did not have the supporting documents with me at the time.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act i believe the XXXX XXXX XXXX account XXXX has violated my

rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Complaint sub-issue: Problem getting your free annual credit report

The credit bureaus have yet to respond to my credit bureau disputes, I have not gotten a response back from none of them at all and I am trying to improve my credit
Complaint sub-issue: Deposits and withdrawals

On XX/XX/21, I deposited a check into my Ally Bank Checking Account using the Ally Bank App so that I could get proof of funds to my loan officer and get money into escrow as we just bought a new home. Friday XX/XX/21 I never saw the funds in my account. Usually it shows up right away or next day. I gave Ally Bank a call and they said they could not help me with any funds and that the money I put in the account could not be used until a whole week later! This has to be criminal!!! This is MY money that I need to right away or I can not close on a house and the bank tells me I can not use it! That is just down right wrong. Something needs to be done about this. Now most likely won't get the only home I have ever wanted or ever will want ; my grandmothers old house. Thanks to Ally Bank for potentially ruining my life. What a messed up way to run a business!
Complaint sub-issue: Debt was result of identity theft

I settled the debt and keep call me and it on collect that I didnt not paid it, it was paid in full. they agreement to settled with me
Complaint sub-issue: Debt was paid

This letter is to notify you that I no longer am disputing this account. I had paid this account thinking that it would be deleted from my credit report so I am not sure what was the point of me paying it. 

Please remove all consumer dispute statements from my credit profile as reported to the credit reporting agencies by your company upon receipt of this message.
Complaint sub-issue: Account status incorrect

I have closed all of these accounts. They should all be listed on my credit report PAID & CLOSED.Please have this updated. 

XXXX XXXX XXXX XXXX XXXXd ( 2 different cards ) XXXX XXXX XXXX XXXX XXXX ( 2 different cards ) XXXX XXXX/ XXXXXXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was paid

I reported to the company about the potential problem and issue of the debt to be resolved and removed from credit inquiry the reporting has caused a negative value on credit by discrediting me and lowering my initial credit score in attempt to keep me bondage to their debt procedures I asked for it to be removed and resolved as a result to no discredit me and allow such negative derogatory remarks to keep me bondage
Complaint sub-issue: Company closed your account

I had a Costco Visa card issued by Citibank. The card had XXXX balance, and was my " emergency '' card. Citibank suddenly canceled the card without warning on XX/XX/2020, saying that they closed it because I had not used the card. I contacted them and they refused to reopen it. I have written them and told them I am filing a complaint. I find this behavior particularly despicable during the coronavirus crisis.
Complaint sub-issue: Their investigation did not fix an error on your report

First, Let me just say that I have disputed two alleged medical collections with Equifax ( the only collections on my Equifax credit file ) for about 2 years now only for them to say the debt is verified. Now according to the FCRA, in order for Equifax to report this debt, they must provide me with the complete and accurate information from the reporting agency. As you will see from the pictures, they have incomplete data for the collection agency. There is no collection company name, address or phone number for this so called medical debt. Again, according to the FCRA, Equifax must provide this information in my Credit File in order for them to report this debt, so that I may be able to question the collection agency who is reporting this information to Equifax. Also, there are incomplete account numbers but the numbers that they do provide ( which are VERY SUSPICIOUS and I think you'll agree ) are extremely similar with the only difference is one is for {$250.00} and the other for {$350.00}. Also, if you'll take notice that the allege debt for {$350.00} was reported on XX/XX/XXXX and then three months later the allege debt for {$250.00} was reported on XX/XX/XXXX. Seems strange that these two medical collections would be so similar in amounts and allege account numbers to be reported by the same collection company EXACTLY 3 months apart. So to this end, I did some research ( which I shouldn't have had to ) to find out that these two medical collections are being reported by a XXXX XXXX XXXX, XXXX. I have reached out to them several times to get these bogus debts taken care of and removed from my Credit Report to no avail. Back in XX/XX/XXXX, I asked them to send me original documentation that bares my signature for these two debts that says I entered into an agreement with XXXX XXXX XXXX and I now owe XXXX XXXX XXXX " X '' amount. I have yet to receive such documentation. Now, I'm a pretty reasonable person ( more like desperate now that I'm trying to become a homeowner ), I reached out to them again by phone in XXXX of this year and spoke with a representative to try to resolve this debt once and for all. Although, I DO NOT believe this debt belongs to me AT ALL, I just need the collections gone ( to be able to purchase a home ) so I offered to pay them 25 % of the debts as long as they would remove them from my Equifax Credit Report, since the amounts are small. However, the representative told me that they would not be able to delete the accounts ( but they were willing to take my money- go figure ) I would like both of these egregious accounts deleted from my Equifax Credit Report because 1 ) they do not meet the FCRA requirements and they are hindering me from purchasing a home.
Complaint sub-issue: Their investigation did not fix an error on your report

I am making this complaint myself, this is not a third party company making this complaint but me XXXX XXXX. I wrote the credit companies to have them remove accounts from my credit report that were not mine i included a copy of the police report showing that it was identity theft.
Complaint sub-issue: Problem lowering your monthly payments

I am an XXXX. XXXX are eligible for loan forgiveness. I was never given the option and I always had to ask about that option just to be denied. I have had a hardship request denied, also. I always forced into forebearance or consolidation which led to more debt. I ca n't buy a house because of this. My student loans have made my credit score so low.
Complaint sub-issue: Problem with balance transfer

I attempted a balance transfer offered by CitiCards. On XX/XX/2022, CitiCard processed a request for balance transfer from my XXXX XXXX XXXX XXXX card account in the sum of {$830.00}. Upon receipt of my statement from CitiCard indicating this transferred had been processed, I checked my balance with XXXX XXXX and discovered no transfer had occurred. I contact customer service for CitiCard who informed me the transfer was processed and it took possibly up to a month for the payment to post to my other card. I waited another week and still no posted payment to Citicard. In the meantime, the {$830.00} is charged to my CitiCard account. I contacted customer service for XXXX XXXX who stated there was no record of a transfer. I then called CitiCard customer service again and told them my situation and asked if there was a way to track where the money had gone. The woman curtly advised me that the transfer had been processed and there was nothing more she could tell me. I can not believe there isn't some sort of safeguard in place for tracking disbursement of funds. I just want the money sent to the correct account. To date, the {$830.00} remains on my CitiCard and no monies have been sent to XXXX XXXX.
Complaint sub-issue: Account status incorrect

After reviewing my credit reports in XX/XX/XXXX, I requested assistance in resolving continued negative credit bureau reporting that my loan is both 120+ days late, in collection or other negative reporting, all while being discharged under the XXXX XXXX XXXX XXXXXXXX ( XXXX  ) in XX/XX/XXXX, with a current XXXX balance due indicated. 

My XXXX  XXXX XXXX account, listed by the credit bureaus, continued to report false information, while the credit bureaus claim is the direct results of updates from XXXX XXXX XXXX. It is being reported that my account is 120+ days late in XXXX ( Equifax ), after the XXXX XXXX XXXX XXXX ( XXXX  ) discharge process in XX/XX/XXXX. 

My U.S. Dept of Edu account, listed by the credit bureaus, continue to report false information, while the credit bureaus claim is direct results of updates from U.S. Dept of Edu. It is being reported by XXXX, XXXX  & Equifax that my account is 120+ days late in XX/XX/XXXX. The Equifax status under XX/XX/XXXX is " CO '' and under XX/XX/XXXX is " 120 ''. All of this, after the XXXX XXXX  XXXX XXXX ( XXXX ) discharge process in XX/XX/XXXX. 

After attempting to find a solution by contacting numerous entities, I was unable to achieve a clear or timely response as to the responsible department ( s ) for reporting a veterans credit status, post-approval of the XXXX XXXX  XXXX XXXX ( XXXX  ) discharge process. 

Offices contacted include : Dep of Edu XXXX XXXX XXXX XXXX ( prompt 1 w/SSN ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( prompt 1 w/SSN ) Debt Mgmt XXXX XXXX XXXX XXXX ( prompt 0 w/o SSN ) I look forward to this matter being completely resolved by the immediate correction/update to my XXXX, XXXX  & Equifax ; where this reporting is in error. 

Respectfully, XXXX XXXX veteran Thursday, XX/XX/XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Eqifax reporting fraudulent accounts as open and closed on my credit report
Complaint sub-issue: Account status

Equifax has failed ( as usual ) to adhere to proper procedures and credit laws. A XXXX account is on my credit report and needs to be deleted immediately XXXX correctly removed this account that is reporting incorrect information.
Complaint sub-issue: Their investigation did not fix an error on your report

Americollect is continually reporting an entry on my report that they are unable to validate. On numerous occasions ( see attached ), I have requested debt validation from them and they are yet to provide. In their most recent communication, they provided a mere typewritten statement that was not letterhead. In my most recent communication with Americollect, I requested they provide a copy of the financial responsibility page, provide a copy of my signature with the provider of service to release my medical information to them, and to cease any credit bureau reporting until the debt has been validated by me ; to date, to no avail. The mere fabrication of an invoice from them as well as the copy that reflects XXXX is insufficient in justifying that this alleged debt belongs to me. Being that Americollect has nothing to substantiate their erroneous, inaccurate reporting, this entry must be deleted from my credit reports immediately.
Complaint sub-issue: Debt was discharged in bankruptcy

Seterus Inc is attempting to collect a debt that was discharged in Federal Bankruptcy Court three years ago. They have also placed false, negative information on my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights.

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 a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act, this creditor XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b states a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/XXXX, I was notified by XXXX and XXXX that an account was added to my credit report as " in collection ''. Upon reviewing it, I discovered that XXXX XXXX XXXX had reported an account balance of {$10000.00} that originated with XXXX in XX/XX/XXXX. While it is accurate that I opened a credit account with XXXX in XX/XX/XXXX, in XX/XX/XXXX, I surrendered the vehicle to them under verbal agreement that the account  would be closed due to its poor running condition since the purchase date in XX/XX/XXXX. Unfortunately, I was naive and did not get that statement in writing. In XX/XX/XXXX, 1 month after surrendering the vehicle to XXXX, the credit account was removed from my credit report. Fast forward to XX/XX/XXXX, and it magically appeared as being owned by XXXX XXXX XXXX without me having received any written communication whatsoever from the collection agency. I have disputed this account twice via XXXX  and XXXX 's online systems to no avail.
Complaint sub-issue: Public record information inaccurate

The complaint is with Equifax. Tried to get it closed it has reached statute of limitations 7 years. XXXX  and XXXX  has moved it from my credit report. So I'm wondering why Equifax has not moved it.
Complaint sub-issue: Information belongs to someone else

belongs to someone with a similar name please remove
Complaint sub-issue: Reporting company used your report improperly

I XXXX XXXX am a victim of identity theft and fraud. EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Complaint sub-issue: Investigation took more than 30 days

Back in XX/XX/2018 I disputed this account with XXXX with XXXX  in the amount of of {$8200.00} and XXXX. XXXX   told me that they have validated the debt and the debt is valid. However, when I asked for the Method of Verification and who the representative spoke to I received a generic answer of " validated ''. To date I have not received any of that and XXXX has violated FCRA 611. I requested that XXXX not use XXXX  for this and instead verify that they have the contract of my signature on site for FCRA 609a1a. I challenged that because I never received substantial information such as an original signed consumer contract from XXXX even XXXX during this time period. I did some research and the Fair Credit Reporting Act mandates that all credit bureaus report ONLY valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. I requested this information from XXXX  as per FCRA and FDCPA regulations I requested the following, which were never done and sent to me. 1. Copies of the written notice you provided to all lienholders by first class mail of your intent to file for a repo title and 2. A copy of California form 5005 ( Application for California Repossession Title ) 3. A validated copy of the Notice of Lien receipt, or a copy of the actual title reflecting the lienholder The State of California requires the items listed above to obtain a repossession title enabling sale of the vehicle.XXXX was unsuccessful in providing me with this information after my request on XX/XX/2018. XXXX was unable to provide the required proof within 15 days of receipt of the letter I sent on XX/XX/2018, the alleged claim of deficiency will be considered null and void since XXXX failed to comply with the proper consumer protection laws.