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

In XX/XX/XXXX, I paid off in full an alleged debt. The originating lender was Lending Club. Depending on which credit bureau you look at, Lending Club reported the alleged debt as a charge off in XXXX, XXXX, and XXXX, depending on the bureau. 

Lending Club sold the alleged delinquent debt account to XXXX XXXX XXXX. 

In XX/XX/XXXX, I paid XXXX XXXX XXXX for the full amount that I allegedly owed : {$16000.00}. Both Lending Club and XXXX XXXX XXXX assured me that they would update my credit report with the 3 bureaus to indicate my account was no longer delinquent. 

Lending Club did not update the entry despite my providing written proof of payment and chain of custody. Furthermore, XXXX XXXX XXXX refuses to update Lending Club with this information or forward them the letter proving that I paid off the account in full. 

I hereby demand that the account entry either be deleted from my credit reports entirely, or at a minimum, that you accurately report that the account is no longer listed as currently delinquent. Additionally, I demand an accurate reporting of chain of custody of the account and accurate charge off dates. You cant charge off the same alleged debt 3 times.
Complaint sub-issue: Their investigation did not fix an error on your report

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS

XXXX XXXX XXXX  


MY ADDRESS IS 

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 XXXX XXXX


15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Complaint sub-issue: Didn't receive advertised or promotional terms

I have a debit Visa card from Cash App. In the app, I can add a promotional " boost '' to the card for getting 10 % back on purchases made at specific stores. I selected such as boost for XXXX and made a purchase of a gift card at that online store, but did not receive my boost. When I inquired about this, I was advised that buying a gift card was excluded from boosts. However, nowhere on Cash App 's app or site do they explain this. I've repeatedly asked their customer support to show me an app screen or web page that explains this exclusion, and they have not been willing to do so. I believe such a page does not exist.
Complaint sub-issue: Debt was paid

I had an emergency hospital visit in XXXX  of 2019 and XXXX  XXXX   XXXX (emergency room doctor) had sent me a bill that was not correct and after getting the information corrected, ( I am a private pay patient and only owed $XXXX instead of the $XXXX that showed up on the bill) they sent me a receipt, closed my account and informed the Debit Collection Agency ( AmeriFinancial Solutions, LLC) that the debit was paid in full and to remove from their system.  I called AmeriFinancial Solutions on several occasions ( XXXX  XXXX, XXXX, XXXX, 2019) to ensure this was closed on their side and taken care of.  On XX/XX/2019 I talked to XXXX, who stated it was closed and they had informed all 3 credit reporting agencies to remove this account.  I have disputed this with all 3 credit reporting agencies and as of XX/XX/2019 the agencies are still reporting it active, but the Debit Collection company says it is closed.  I do not know who is dropping the ball here, but I need this off my credit report. Please have AFS get with all Credit Reporting agencies and get this removed.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hard inquires ran without consent
Complaint sub-issue: Information belongs to someone else

I had Identity theft from the " XXXX XXXX XXXX '' in XX/XX/2015. I ask for Equifax to remove my wrong information on my credit report. but they still keep it open on my credit report. I don't know what to do. this account really not belongs to me and someone uses my information and applies or maybe confusing with someone else. please clear this. this is not mine. and wrong information on my credit report. please help me.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

XXXX and XXXX This debt was paid to the original creditor and you have no business continuing to report it as a collections account. In fact, I never had a contractual obligation with this collections company and they are fraudulently claiming I owed them. 
XXXXI do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX account 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: Was not notified of investigation status or results

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX  XXXX, XXXX XXXX, XXXX XXXX. 
Company XXXX XXXX XXXX XXXX  XXXX  XXXX  PLUS XXXX  XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have mailed 2 disputes to Equifax regarding a collection agency that is reporting medical debts on my credit report. The collection agency is XXXX XXXX  Equifax reported that the debt was verified. I sent a debt validation to XXXX XXXX as well asking them to verify the 4 collections that they reported to Equifax. XXXX XXXX has 4 collections on my credit report from 4 different medical facilities. XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX 2017,  XXXX XXXX sent me a billing statement with insurance information and codes. The statement on the top has " write off '' on it. The cover sheet sent has my name and correct address, the statements sent does not have my name or address correct. I asked that they verify ALL of the collections they have on my report and they only sent a billing statement from XXXX XXXX which has all the wrong information also they failed to provide me with a Contract bearing my signature or anything verifying that they own the debt and that I agreed to pay a third party collection agency. I then sent another dispute to Equifax who is reporting that these collections were verified.This company is using unethical tactics to collect on debts they can not verify and Equifax is reporting that they verified the debt when they have not. These unverified accounts are damaging my credit and my ability to obtain credit and I would like them deleted immediately. 
The unverified collections that continue to report on my credit file have the following account numbers : XXXX, XXXX, and XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I over paid my XXXX 's payment due in XXXX. Therefore, I should not have had a payment for XX/XX/2022. They reported me as delinquent and as missing a payment. I have paid the account off on XXXX XX/XX/2022 of XXXX. 

They are reporting me inaccurately and refused to change the account. I have filed multiple complaints with Equifax, XXXX and XXXX. I also contacted XXXX regarding the missed payment. 

I told them I overpaid for XXXX and I should not have had a payment for XX/XX/2022. They reported me as missing a payment. 

The account has been paid in Full for XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Bounced checks or returned payments

I recently deposited checks from my niece and nephew that didnt go thru because of something on the other banks end they started a thing where the person had to verify the checks first. We didnt know that and thought it was an issue with the balance so they wrote me smaller checks which subsequently bounced as well due to the new process that we werent aware of at the time. The fraud department got the case and decided to do an investigation feeling the checks were fraudulent because they say the signatures were the same. Meanwhile my niece and nephew both went to the bank with statements stating they wrote the checks. The fraud department now is stating the signatures on the letters dont match, but they say they signed them, end of story I have had this account for over 20 years all my money and bills are tied to this account deposits are coming in I cant access, my subscriptions are being canceled because the account is on hold. Now they want a notorized letter stating Im am the executor of my sister estate which is no problem, but why? That had nothing to do with the checks. If they chose they can verify funds if they decide to write another. But why do I have to bring this document when my deceased sisters name is no where on the checks? Who are they to tell a person they didnt sign when they said they did????? They have what they needed from them, they both went with ID and attested to signing the checks. WHAT MORE NEEDS TO SAID. This now starting to feel like discrimination because XXXX XXXX and I guess fraud is what we do but thats not the case here. Me, my niece, nephew are prepared to get legal representation to defend us from the prejudice, and refund of fees and losses that have resulted in my account being blocked this long. Multiple bills didnt get paid I racked up over {$1000.00} in late fees along with cancellation of accounts such as XXXX XXXX credit card late fees, etc. I would like to continue to do business with XXXX but it seems that XXXX XXXX XXXX  people are not welcome. I did nothing wrong. This whole process has felt discriminatory and XXXX.
Complaint sub-issue: Information belongs to someone else

Inquiries : XXXX on XX/XX/XXXX - XXXX XXXX, A XXXX on XX/XX/XXXX - What happened : customer service would not help and take care of the negative inquiries reporting to your credit report.
Complaint sub-issue: Was not notified of investigation status or results

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : ( Original Creditor : XXXX XXXX XXXX   ), ( Original Creditor : XXXX XXXX XXXX ), ( XXXX Creditor : XXXX XXXX  ), ( Original Creditor : XXXX XXXXI ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account number XXXX. XXXX  is reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These account report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Debt is not yours

dear sir a company called " voss and klein '' collection agency has jeopadized my credit report unjustly. a company called " XXXX '' holds me responsible for my brother 's debt. this matter was sent to a debt collection agency name " Voss and klein ''. XXXX did some advertisement for XXXX XXXX XXXX XXXX XXXX '' owned 100 % by my brother ie. XXXX XXXX. I was employed by my brother as a manager at the time of signing of a contract with XXXX. I just signed the contract as a manager would by insistance by my brother and XXXX but the contract clearly shows that the client is XXXX XXXX ie my brother on the contract signed. neither XXXX nor the collection agency ie voss and klein would listen to reason and they keep calling me and fouling up my credit score. Attached is a copy of the contract that clearly says XXXX XXXX is the client. I have complained to consumer affairs, ftc, XXXX, and complained to small claims court. my complaint in the court was dismissed. all other places that I have complained have been fruit less.I understand you are the actual agency to complain against a collection agency at fault. all the information is in the contract. My name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX my email address is " XXXX '' my phone is XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have no knowledge of the following inquiry XXXX XXXX XXXX XXXX. Please investigate to ensure there is no fraudulent activity.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, Equifax closed my dispute investigation and refused to remove inaccurate information from my credit report regarding a negative account with XXXX XXXX XXXX XXXX. Equifax confirmation no. XXXX. My Equifax credit report erroneously suggests that since XXXX and before the creditor sold my account, I owed {$11000.00}. Not only is this balance amount incorrect, this reported delinquent balance exceeds the credit limit for this credit card. Also, Equifax incorrectly reports my last payment occurred in XXXX, XXXX. Instead, I made my last payment long before this. In fact, this account now should be more than XXXX XXXX XXXX and therefore, non-reportable as a matter of law. I told Equifax the creditor has not responded to my repeated requests for an itemized statement and payment ledger that reflects all dates payments and transactions occurred, starting with a XXXX running balance, as written debt verification as required by the Fair Credit Reporting Act and Ohio Consumer Sales Practices Act, Ohio Revised Code Section 1345.02 et. seq. I specifically requested that Equifax request the creditor submit a payment ledger and itemized statement to prove the date when the delinquency began, date of last payment and the account balance at the time the creditor sold and charged off my account. But, Equifax 's XX/XX/XXXX final dispute report confirms the creditor did not submit any documents or the written debt verification I requested. Equifax performed no investigation before it closed my dispute. As an attorney, I believe Equifax violated my rights under the Fair Credit Reporting Act as follows : 1. Consumer right to privacy - 15 U.S.C. 1681, Section 602A ; 2. Improper furnishing of account information without or against consumer 's written instructions, 15 U.S.C. 1681, Section 604 A2
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I sent a certified letter to the company multiple times and tried to call the company to remove the inquiry from my credit report and was informed to contact the company that did the inquiry to have them remove the inquiry from credit report. I contacted the company and was informed by the company to contact the credit bureau.
Complaint sub-issue: Investigation took more than 30 days

i am disputing equifax for a posted removal. i have the documents to prove they should be removed!
Complaint sub-issue: Their investigation did not fix an error on your report

Negative reporting from XXXX XXXX We have account info data that the mobile phone was paid in full in XXXX and the insurance premium care of XXXX was canceled and we have documentation from XXXX to confirm. Unable to reach out to company or talk with anyone in the credit Dept but yet we can log into my account and it shows it's paid in full and cancelled. Please help we have perfect credit and this is incorrect and a big inconvenience Thank You
Complaint sub-issue: Their investigation did not fix an error on your report

See attached settlement letter .... Yet this Collections Account is shown on my credit bureaus for debt owed to XXXX Bank Nevada although was settled with law firm. 

All information for collections reporting has incomplete details on credit reporting bureaus and should be removed. 

Account is settled.
Complaint sub-issue: Information belongs to someone else

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Received bad information about your loan

To whom it may concern : I am having issues with FedLoan Servicing accurately counting their monthly payments as qualifying towards Public Service Loan Forgiveness. 

I consolidated correctly back in XX/XX/XXXX and began paying my first payment in XX/XX/XXXX with  XXXX XXXX and XXXX  XXXX and have been on qualifying repayment plans since then. 

I have also completed Employment Verification Forms since then, which have been accepted. I have always made automatic on-time monthly payments while working for approved employers. I worked full time for a non-profit University from XX/XX/XXXX to XX/XX/XXXX and currently work as a full time XXXX  XXXX from XX/XX/XXXX to current without a break in service. 

XXXX XXXX is telling me that some monthly payments have not counted because of various deferments and forbearances on my account which I know nothing about! I have never applied for any type of deferments or forbearances. 

Customer services representatives give me different information each time I call. Six months ago, I requested a recount of my qualifying payments and one administrative forbearance was removed in the process. Since then I have requested ( in writing ) documentation of the other alleged deferments and forbearances as well as a list of which monthly payments have not qualified. I have not heard from them at all. 

On XX/XX/XXXX I received my monthly statement indicating that my Qualifying payment under PSLF program were 81. 

On XX/XX/XXXX I received my monthly statement indicating that my Qualifying payments under PSLF were now 75. 

On XX/XX/XXXX I made contact with myfedloan.org Customer Service Rep ( XXXX employee # XXXX ) and explained that I have documentation from Fedloan Servicing stating as of XX/XX/XXXX I have made 81 payments under the PSLF Program. XXXX informed that she would submit my request for investigation and would receive a response in 90 days by XX/XX/XXXX. 

On XX/XX/XXXX Customer Service Rep ( XXXX employee # XXXX ) stated its a system issue. 

On XX/XX/XXXX Customer Service Rep ( XXXX employee # XXXX ) After submitting my yearly employment recertification my PSLF Qualifying payments were incorrectly adjust to 57 on one loan and 59 on another loan. 

Please help, Ive devoted my career as a public service employee and have abide by the rules of the PSLF program. I feel that XXXX XXXX is not accurately counting my qualifying payments towards the Public Service Loan Forgiveness program.
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. 

Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX, Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Information belongs to someone else

XXXX was opened by fraudsters using my personal data on XX/XX/2021 in the amount of {$16000.00}. 

I have tried several times to resolve this matter with the credit bureaus and the creditor itself. They XXXX XXXX XXXX XXXX XXXX and tell me to either speak to another company or to take other steps that have bene already provided. 

I have sent government documents from the Federal Trade Commission. No effort was conducting in removing the fraudulent items.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX I sent XXXX, Equifax and XXXX a letter disputing the validity of the Bankruptcy they are reporting on my credit report. They responded with a letter stating that they " verified '' this item through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX could not verify this item, so they removed it from their database. I then went back to XXXX, XXXX and Equifax on XX/XX/XXXX and showed them the removed Bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this Bankruptcy then it needs to be removed according to the FCRA. They have once again refused to remove Bankruptcy which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. XXXX have deleted bankruptcy since XX/XX/XXXX is still reporting accounts on my credit report in a Bankruptcy which is a violation, XXXX XXXX # XXXX and XXXX XXXX # XXXX
Complaint sub-issue: Was not notified of investigation status or results

hi im just making a follow-up on the dispute letter that I sent on XX/XX/2021. its been over 3 months now, I thought I would get a response from your company after 30 to 45 days but it seems like you didn't take it seriously or something. Please reinvestigate the information listed on that letter and remove the negative items, I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted.
Complaint sub-issue: Information is not mine

I contacted XXXX who refused giving me assistance about an unauthorized  inquiry on my report and even after getting on the line with a representative of the company who gave his name and ID and all of his personal info. she still didn't take care of it and gave me a hard time
Complaint sub-issue: Information belongs to someone else

Someone got access to my personal information and its ruining my credit by applying multiple accounts I don't have knowledge of what or who this could be. Under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.