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

I am a XXXX woman who worked very hard to purchase my first home. I also worked very hard to qualify for my interest rate of XXXX XXXX I made all of my payments on time for over a year including extra until XXXX. I found myself with my job 's hours reduced and thus struggling to make my monthly payments. I never fell behind. I applied and was approved for XXXX XXXX XXXX program through the state of Ohio. They agreed to pay my mortgage from XX/XX/XXXX through XX/XX/XXXX. Around the first part of XX/XX/XXXX, I contacted my mortgage company to inquire about the payment and mentioned if that payment was not made, I wanted to make it because I did not want my credit to be impacted. The mortgage company assured me that while I am in the program the mortgage company is not able to report late payments to the credit bureaus. Since I have been placed in this program, I am unable to view my account online, I am no longer able to make any payments on my account to protect my credit and the mortgage company has been reporting my mortgage as late for the last 3 months. My credit score, that I worked very hard to maintain, has tanked XXXX points. If I had known that this was going to be the outcome, I would have just worked more jobs and not asked for help. At the end of the program my credit is going to be shot. I would like some help in getting my credit report corrected. I have asked the mortgage company to do the things they say they are going to do and correct my credit report. I have gone through the credit bureaus and disputed the late payments, and the mortgage company is obviously stating they are accurately reported because they are never removed or updated. Please help me correct this situation.
Complaint sub-issue: Account status incorrect

XXXX  XXXX XXXX, XXXX put a Wage Garnishment on my account. the date was XX/XX/XXXX-18. I  contacted them and did a Payment In Full over the phone. They are continuing to report to all of the credit burrows as delinquent not once but 5 times for one account. i want this to be corrected back to the date of XX/XX/2018 as paid in full and corrected to current date and going forward. I have contacted them and they state that my debt in question has been sold. How can they sell a debt has has been paid in full? I have the authorization number of the one time payment, also the statement from my bank that it was paid. i just want this to be rectified.
Complaint sub-issue: Debt was paid

The debt collection agency IC System states that I owe {$17.00} for medication received on XX/XX/2018. 

I provided proof that I paid it on XX/XX/2018 and I even have the bank statement to prove that the money came out of my account on XX/XX/2018 when I was notified of the amount to be paid. 

The company claims to have investigated the debt, but still refuse to acknowledge that I did pay the debt. Even though the hospitals information app clearly shows that they received a payment from me.
Complaint sub-issue: Overcharged for something you did purchase with the card

Saw advertisement in the XXXX pumping area of XXXX stating XXXX cents per gallon discount for XXXX month if you get wawa credit card. After several times and considering the Extremely high prices of gas XXXX cents per gallon would be a Blessing in XXXX for anyone. Finally on XXXX XXXX, 2022 @ XXXX my husband decided to apply for this card. So I used my phone and applied for him as he watched all data I entered and by XXXX we received a response of " You're Approved. Set up your account to access all of your card benefits '' So I replied YES want to Check Card Balance Online, YES want to view statements and letters online. Next had to enter user ID then password. Next CONFIRM your Paperless Statements and Letters Enrollment -- - Which I did CONFIRM @ XXXX. Then the wawa system said " You've set up your account and preferences. Her are your card details ''. Next showed my husband 's name his cr limit & his Variable APR % rate. Next asked did you want to enter additional user. My husband said he wanted to add me as a user with my own card so I entered my name and dob. Now it's XXXX XXXX the XXXX System now shows my name blocked out my dob and said same address -- but listed my last name DIFFERENTLY THEN ACTUALLY IS. My Last name is : XXXX XXXX XXXX -- XXXX XXXX, XXXX XXXX and all other letters lowercase and each word separated ONLY BY SPACES, NO HYPHENS!!, yet their system CAPITALIZED THE D in XXXX -- -- -WRONG WRONG WRONG WRONG. 1st statement ( stmnt ) arrived in the mail and does not display a proper auditable ( in accounting ) transaction number of gallons X price per gallon, and APPLIED DISCOUNT AND PURPOSE OF DISCOUNT APPLIED, XXXX. New CC Customer XXXX cents per gallon, DOES NOT Distinguish GASOLINE transactions from STORE Transactions. XXXX ( XXXX CENTS PER GALLON DISCOUNT ) Cents per gallon discount may or may have not been properly applied, due to no way to prove this is HORRENDOUS statement. Horrific Customer Service Representatives, who are XXXX, and possess no decent customer service skills. In Conclusion I must conclude WE/OUR ACCOUNT was not issued sufficient credit to equal XXXX cents per gallon, nor XXXX cents per gallon for all gasoline fillups past XXXX days. PLUS the amount of time, energy, effort, and supplies in my attempts to amicably resolve all these issues The wawa credit cards arrived at our residence on XXXX XX/XX/2022 -- i have proof it you need it. I has have proof of both calls to XXXX XXXX card and names of employees spoken with, if you need it 1st statement from wawa cr card received XXXX XXXX, 2022 -- see pages enclosed.
Complaint sub-issue: Debt was result of identity theft

Without any prior notification from Vance and Huffman, i was notified by my credit monitoring company that a collections was placed on my credit report. I have received noting in writing about this debt and have no knowledge of it. I am a service connected XXXX veteran on a Veterans pension and was in the process of buying an RV to live in until my credit score dropped 40 points after Vance and Huffman put this collections on my credit report and the lender backed out of the loan. I can not describe how angry and appalled I am at this I know nothing about this loan and demand that this be removed from all three credit reporting agencies
Complaint sub-issue: Problem with balance transfer

discover offer my, one year 0 interest with 2 % fee transfers, my bank XXXX XXXX offer my same offer, I decided transfer to my bank, my bank pay to discover {$5000.00} dollar for the total, but '' discover charge another {$5000.00} dollar, total {$10000.00}, after 2 month and many time to call all and they toll me they send a check to my home, that is 2 month ago, discover continuable lying to me and not send any check, they damage mi credit, my My score credit was XXXX, now for this problem is down to XXXX, discovery doing this action wend someone no continue used they credit card after the one year offer. I Ready speaking with a supervisor name : XXXX : phone : XXXX XXXX XXXX, same problem, lying to me
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX are double reporting an account on my credit. XXXX XXXX was the original creditor and they then sold the collection to XXXX XXXX, however XXXX XXXX is still reporting the account to my credit. This is in violation and I need these collections removed off of my credit.
Complaint sub-issue: Debt is not yours

Letter from MRS BPO LLC claiming owe {$530.00} from an account with XXXX XXXX. Talked to banker at XXXX XXXX  in XXXX XXXX, XXXX  who looked up alleged account number XXXX and XXXX account number and indicated there never was an account with XXXX XXXX XXXX  and that the letter is clearly fraud.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  ) XXXX, XXXX  ( Original Creditor : 12 XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX have 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 an account without my written instructions.
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

On XX/XX/2022 I got a fraudulent charge from horoscope girls for {$39.00} on XX/XX/XXXX. I reported it to cash app which was where the transaction happened. They sent me an email inform me that they did receive my dispute and would be working on it and then I called him about a 2 week later and asked him in regards to a provisional credit from them due to the fact that I had received an email on XX/XX/XXXX and the 20this when investigating what is complete, and that my provisional credit was permanent stating however, when I went to go look at my transaction history and my statement for the month of XXXX, I saw no transaction for {$39.00}. I sent them screenshots of my statement and I said the screenshot of my transaction history and I got several different responses. XXXX was they had already saw the transaction give it to me on XXXX XXXX XXXX was that they sought on XXXX XXXX then XXXX told me to file a police report and then another one told me that there was nothing else they could do and then the last ones on the chat Service informed me that I need to go and try to download the transaction list and the statements and look at that every transaction should be documented on my account to use The thing I was wanting to know is, where was the provisional credit said no TRANSACTION ITSELF shown on my transaction history or my bank statement for the month of XXXX. Neither XXXX of them show any kind of refund for {$39.00} refunded me the money for {$39.00}. They informed me that before it became permanent I spent the money every transaction unless it didnt go through HAS TO BE DOCUMENTED I understand it can take up to 45 days for them to investigate it but see that I got an email saying that they went through the investigation and verify that I got my provisional credit and that it was permanent. Where is the transaction no refund transaction listed they anywhereboth of them saying the same thing with XXXX different dates and I dont see anything on my statement nor on my transaction history I want my money and pain and suffering for stressing me out and taking up XXXX of my day trying to find out where this transaction is visually located and I have a XXXXXXXX XXXX so I do not have time to be sitting here chatting with them. They need to get a phone support system that works I called the number they have, and they were no better about providing me information. And before they even say anything, XXXX is the name, I use on cash app to protect my privacy. I feel like I should have press charges against him for fraud and theft but Id be pretty petty of me by submitting a police report for {$39.00} seeing that they told me I should.
Complaint sub-issue: Didn't receive enough information to verify debt

In XXXX of 2019, I went to the hospital for a XXXXXXXX XXXX XXXX. I was treated and discharged. Months later, I noticed that my credit score significantly dropped and saw a collections on there, specifically from the hospital. XXXX is acting as the debt collection agency. However, I was NEVER contacted by the debt collection company themselves. They have never established a connection with me personally. I was never sent the hospital bill to my current address and especially not sent any notices of debt collection from XXXX themselves. I am speculating they have sent the information to any of my previous address ( es ), since I have lived at two previous locations before my current one.
Complaint sub-issue: Not given enough info to verify debt

AFNI # XXXXI have a a unverified account from. I had previously disputed this account. I have never done business with AFNI. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt AFNI purport I owe. I request that AFNI Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AFNI Cease and Desist all further communications and collection actives and provide the verification of the purported debtNothing in this section relieves a collection agency from complying with the " Fair Debt Collection Practices Act, '' 91 Stat. 874 ( XX/XX/XXXX ), 15 U.S.C. XX/XX/XXXX, as amended, or deprives any debtor of the right to assert defenses as provided in section XXXX of the Revised Code and XXXX XXXX XXXX, as amended..The account Number # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I sent two separate handwritten, certified letters to Equifax. The first was sent XX/XX/2022. I disputed a charge listed on my report that is not validated. I sent a second certified letter XX/XX/XXXX, and they still have not removed the unvalidated charge. 

The charge has not been fully verified whatsoever. Equifax did not send the requested original contract I am purported to have entered into with the company listed on my report in error. 

Please help me make this correction, and either make sure that Equifax follows the rule they are required to by federal lay ( providing me the original contract with the debtor listed ), or deleting it from my report- also required by law if they do not comply with validation of the debt. 

Thank you! 
XXXX XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX I received a notification from XXXX  that US Bank had reported a 30 day late on my credit which negatively impacted my credit history. 

This issue started in XX/XX/XXXX when there was a fraudulent charge ( {$500.00} ) on my account that took US Bank more than 6 months to resolve. This charge put my account over the credit limit and increased my monthly payment to an incorrect amount. 

After contacting US Bank more than 6 times to resolve this issue I spoke with a supervisor on XX/XX/XXXX who told me that the case was closed and I would be receiving a final credit. 

US Bank then reported that my account was over the limit on the same day ( XX/XX/XXXX ) even though the investigation had been completed. 

After contacting US Bank yet again I was told that the credit had been applied and reflected in my account however my payment was not adjusted and that I should wait for the correct amount. 

However after attempting to log into my account a few days later to make a payment I received a message saying that my account was locked. I contacted US Bank for help with resetting my password and was told to change my phone number in order to receive the text verification code. 

After changing my phone number the following day I attempted to reset my password. However there was no longer an option to receive a verification code and instead I was asked to enter a PIN number which I never received. 

Once more I contacted US Bank about this issue. Customer service took over my screen and I physically showed them the message I would receive upon attempting to log into my account. 

I was not provided a solution and the following day I contacted US Bank about making a payment over the phone. Customer service then demanded that I pay over {$600.00} because the payment had still not been updated to the correct amount. 

US Bank refused to allow me to make the correct payment and then indicated that they would report a late payment to the major credit bureaus even though they were aware that this amount was not accurate. 

I still do not have access to my online account and I still can not make any payments. This is unacceptable behavior especially when US Bank has been having major issues with their website and app. 

Additionally this violates the Fair Credit Reporting Act. Therefore I have submitted this complaint for investigation.
Complaint sub-issue: Reporting company used your report improperly

This is a response with the complaint that was filed on XX/XX/22. The Bureau stated Account Name and Account number was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal.

They also violated my rights under 15 U.S.C 1691 Section 604 A Section 2 : They law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 U.S.C. 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 U.S.C. 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified, they consumer reporting shall promptly delete the information from the file of the consumer.

This also violates the statue of limitations - Fair Credit Reporting Act - 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] I have included the supporting evidence with the discrepancies circled. The credit report with the date of XX/XX/22 was submitted initially. The report dated on XX/XX/22 shows there are still discrepancies and even thought the stated they verified and updated. They did not.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. 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. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

Equifax is reporting a collection account that was supposed to be removed several years ago. I have requested a letter from the furnisher validating the debt. No response. I send the furnisher collection company copy of my insurance card no response. I sent Equifax credit reporting agency the letters and requested for them to remove the information they have refused. I also send the credit bureau that as of XX/XX/2022 any medical deragatory to include collections should be removed they refused. I respectfully request this entry is removed from my credit file immediately
Complaint sub-issue: Problem with product or service terms changing

My credit score was XXXX I was told I was pre-approved for a XXXX  XXXX XXXX XXXX And if I applied my credit score wouldn't be affected. I was denied by XXXX XXXX and immediately my credit score was effect. My credit score drop down once I was denied. It even reflect on my credit score which I been trying to dispute with credit karma and still no resolution. Please help
Complaint sub-issue: Information belongs to someone else

Hello, I am requesting the following information get deleted off my credit report.The items I need deleted are listed on the word document attached. 

I am a victim of identity theft and did not open said accounts listed on the word document provided. I ask that all items ( fraudulent accounts and inquiries ) be deleted off my credit report. 

I already reported the theft of my identity to the Federal Trade Commission. 

I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Please note that I am submitting this request on behalf of myself. No third party is involved Thanks in advance for your time.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the XXXX Account # 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: Other problem

Almost impossible to access Discover Credit Card website since late XX/XX/2021 in order to monitor activity. I keep getting the message that it is down for technical reasons though occasionally I do get through. I try different browsers at different times. My son, a IT expert has helped me with this and he too could not find a way. I have sent messages to Discover to no avail.
Complaint sub-issue: Debt is not yours

On XX/XX/21I sent a leter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report I has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. 
My information was also impacted by the XX/XX/XXXX data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

Four years now Equifax has failed to report accurate payment information from the Department of Child support services. I realize they are not involved in the case and could take into account XXXX credits but these accounts closed it paid off in addition they have been closed by the mother more than a year and a half ago. I have paid the entire balance and continue to pay three times the allotted amount of child support to the mother, I have been the current custodial parent since XX/XX/2013 And Equifaxa negligence has For the past five years caused us as a family the worst amount of emotional distress you could ever imagine and its now odviously intentional. Theyre reporting does not match up with other bureaus is far off and makes me look like one of the largest their lips thats preventing me from getting the job to provide for my current XXXX XXXX, the XXXX XXXX XXXX and the XXXX XXXX I have.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Attention! Don't open a credit card from XXXX. You are not protected from fraudulent transactions like Visa or MasterCard. Put Discover card in your safe and do not take it out of the house! 
This terrible company told me that I was using my lost card for {$280.00}. I only see the online status of the dispute, they did not send me any documents. I was informed by them that the company probably has your first and last name, which coincides with the account. Are you seriously? My name and surname on the credit card? Beware of it and open credit cards with well-known international payment systems.