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

I have disputed the late payments on this XXXX  XXXX XXXX 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: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters with regards to my request of updating the item in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXXBalance {$220.00}
Complaint sub-issue: Debt was result of identity theft

Hi, there. 

My name is XXXX XXXX and Ive been having issues disputing a collection with XXXX, Vance and Huffman LLC and a company called XXXX XXXX. 

Apparently, an account was opened with my name, SSN and information on XX/XX/2018. I found out this year that this was a family member who was using my identity to open accounts and not pay what was owed. 

A collection was opened and I successfully disputed with XXXX   and XXXX earlier this year with no issues. XXXX, for some reason, denied the dispute and will not let me try again. 

Ive tried reaching out to XXXX but I have not been able to get in touch with anyone, or speak to a human over the phone. Ive also tried contacting the original creditor, XXXX, and they have ignored all my emails.
Complaint sub-issue: Information belongs to someone else

I have two of the same duplicate accounts reporting on my credit for student loans. One is reporting under XXXX while the other is reporting under XXXX XXXX XXXX XXXX. Mind you I have never attended college in life nor applied for federal student loans.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

To whom it may concern, I reported my card as lost/stolen around mid XXXX. I have declared a few charges as unauthorized, and have signed an affidavit of fraud, upon bank 's request ( please see attached ). A police report # XXXX has also been filed with the XXXX Police Department, regarding these transactions. 

On XX/XX/XXXX and XX/XX/XXXX, the bank denied my claim stating all these transactions are valid. 

First of all, I would like to state that I still consider this dispute unresolved, and disagree with the bank 's decision. I will not pay any of the disputed portion of my credit card bill, and in reporting of my balance onto credit bureaus, I, hereby, request that they mention " consumer disputes this account 's information ''. 

Secondly, according to Reg Z, the bank must provide me with an EXPLANATION that sets forth the REASONS for which they believe these transactions are valid. In the letters sent to me by the bank, I have not been provided with any explanation. All I have been told is that these transactions have been determined to be valid. They have also failed to mention on the letter that I am entitled to a copy of the documentary evidence used by the bank in this determination. 

According to Reg Z, I must be provided with the DOCUMENTARY EVIDENCE used by the bank in reaching their conclusion. Please consider this my notice in writing for these documents to be provided to me. Refusal by the bank and ignoring of my request is a direct violation of Reg Z and the truth in lending act. 

I consider this letter, the bank 's last chance in resolving this matter amicably. Failure to do so, will result in my attorney filing a complaint against City National Bank for violation of the truth in lending act in refusal to provide me with explanation as to why they believe these charges are valid, lack of mentioning the part that I am entitled to a copy of the documentary evidence used by the bank in reaching their conclusion in their final letter regarding the status of the claim, and lastly, refusal to provide me with the documentary evidence used by the bank in reaching their conclusion that I have made a request for, multiple times in writing, including in this letter. 

Thank you for your time and consideration, Sincerely, XXXX XXXX CNB XXXX # XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

XXXX XXXX XXXX XXXX XXXX XXXX File XXXX Citi fraud team texted and call me about unauthorized fraud transactions and closed and replaced my XXXX account ending in XXXX Citi bank lied my card was lost or stolen where as some one from citi bank leaked my XXXX information to unauthorized person. 

Status Date Description Amount Cleared XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4.00} Cleared XX/XX/2018 XXXX XXXX  XXXX XXXX XXXX XXXX   {$23.00} Cleared XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX  {$11.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX  {$79.00} Cleared XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX   {$79.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX {$79.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX {$79.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX   {$78.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX  {$77.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX {$75.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX   {$69.00} Cleared XX/XX/2018 XXXX 'S # XXXX XXXX XXXX {$21.00} Cleared XX/XX/2018 XXXX 'S # XXXX XXXX XXXX  {$20.00} Cleared XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1.00}
Complaint sub-issue: Information belongs to someone else

Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Equifax failed to send me evidence of the accounts in question.. XXXX XXXX XXXXXXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX , XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, ( Original Creditor : XXXX XXXX XXXX  ) XXXX, and XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble closing card

My brother XXXX XXXX, passed away in XX/XX/XXXX. He had a Direct Express debit card for his Social Security direct deposit. I wanted to know if there was a balance in the account and requested the remaining funds. Direct Express told me what paperwork to send in and I mailed everything on XX/XX/XXXX. Didn't hear anything so I called on XX/XX/XXXX. Talked to XXXX. She told me the paperwork was received and I will be contacted about any remaining funds in 3-4 weeks. No response, so I called again XX/XX/XXXX talked to XXXX. She told me, there is nothing pending on the account. She said, there is no correspondence from me. She never asked me for the tracking I.D . number. I asked for a Supervisor, was put on hold twice. Said the Supervisor did not answer either time. XXXX did not offer any assistance after that. Did not go over the procedure or anything. This business has numerous complaints with the XXXX XXXX XXXX  and nothing has ever been resolved. I still don't know if my brother 's debit card has any remaining funds. Customer service is non-existence. How do they remain in business?
Complaint sub-issue: Debt was paid

On XX/XX/XXXX I received a written communication from IC Systems in XXXX. XXXX MN offering to settle a debt for 25 % of the balance owed. The account is on behalf of my son and I am the individual financially responsible. The written correspondence came directly from the company and stated the percentage amount and amount to be payed to settle the debt completely. I contacted the company on the morning of XX/XX/XXXX and spoke with an individual stating I could pay the amount via their online payment center. I paid the amount stated in the correspondence received from IC Systems to settle the debt in it's entirety on XX/XX/XXXX. I then contacted IC Systems to confirm receipt of the online payment. They confirmed, however, they then said that the offer sent dated XX/XX/XXXX offering to settle the debt for 25 % / {$480.00} was incorrect and that additional money was owed. I stated that I had talked with someone that morning, and that was never stated. Also, I was in receipt of the unsolicited offer from them, with the specific percentage and the amount owed to settle the debt. I also stated that I paid that amount based on their unsolicited offer to settle the debt in full. The individual would only state that the letter was sent in error.

They then sent a letter dated XX/XX/XXXX - 3 days after I paid the amount in the original offer and having talked with a second IC Systems representative - stating the original letter was sent in error. The second correspondence was extremely brief and did not provide nearly the same detail as the first letter and was clearly written in response to my phone call.

I feel this is fraudulent. I am in receipt of t he original letter sent by IC Systems offering the settlement and I have my receipt showing that amount paid in full. They are now attempting to say that the original offer was invalid, although they accepted payment. I did not solicit the original offer and I feel they engaged in fraudulent and misleading practices and should be expected to honor the original offer they sent, that was paid - again, per their written offer.

The debt was settled based on their offer and should be honored. To come back after the fact should be considered fraudulent and harassment.
Complaint sub-issue: Their investigation did not fix an error on your report

I have made multiple attempts to contact the bureau in order to correct the eroneous items on my credit report. I have either not received a response within 30 days and most recently it has been over 60 days without a response or the items have not been investigated due to the fact the dates did not update. I have sent letters XX/XX/20, XX/XX/20, XX/XX/20, and now XX/XX/20. I have multiple bankruptcies reporting on my credit report that have not been filed and the bureau refuses to correct or send proof of these accounts belonging on my report. It is not fair that I am being negatively affected by these mistaken erroneous accounts. I will attach the most recent letter I will be sending out to the bureau.
Complaint sub-issue: Problem getting report or credit score

I am trying to refinance my home. 
Equifax will not provide restore. 
Because XXXX has lost/stolenWhich is their policy. I took daughter of card. 
Equifax wants it removed or explained! Bank says there isNo need because it does effect my score. 
HELP. Yesterday Equifax said I had a dispute against XXXX. XXXXThere was none. The other reporting agencies did not show. 
If I lose financing Who will help me for Equifax nonsenseRequests?
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter to all three credit report explaining my situation and the purpose to have a good credit. Recently my Equifax was XXXX and they subtracted XXXX points because I open a new credit card and I think it is a lot of points and it is a mistake. My credit score instead of going up goes down. I dont have late payments and my credit uses it is not to high.
Complaint sub-issue: Their investigation did not fix an error on your report

Due to the corona virus I was not able to make my monthly payment on my credit card. Discover Card put a negative mark on my credit report. I made a hardship agreement with them and they told me no negative marks would go on my credit. Well it did. Want it removed due to the sisuaction going on in the world at this time. And I set up a withdrawal every XXXX of the month.
Complaint sub-issue: Problem with fraud alerts

i have a fraud alert on my file that i did not request. it has caused me to get denied on a credit card. i need any and all alerts removed i DID NOT REQUEST these alerts i am not a victim of fraud.
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/XXXX I made a Full File Disclosure Request Pursuant to 15 U.S. Code 1681g ( a ) ( 1 ) to Equifax in writing. 

I received no response. On XX/XX/XXXX I sent the request again. I included my Security PIN both times. XXXX XXXX, XXXX, XXXX, XXXX, and XXXX  responded. 

I still have not received a response from Equifax.
Complaint sub-issue: Information belongs to someone else

I have reason for my dispute due to bad information furnished to my account that here are some of the account I never had any business or contracts for business with the following companies. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX   # XXXX XXXX XXXX # XXXX XXXX/XXXX  XXXX # XXXX XXXX XXXX XXXX  # XXXX under I expect this collection account to be removed from my credit report. the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) requires by federal law to be verified. So far I never received anything.
Complaint sub-issue: Personal information incorrect

The Credit bureaus seem to throw my letters out or do not do anything on my file. 
My name and alias names need to be corrected. My OLD addresses are wrong as well. I am attaching a letter of explanation.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. I strongly disagree with the information that you hold about me on the file and therefore should immediately be removed or replaced with the accurate details. I am more than happy to provide any supporting documents that you require. I have evidence to support my argument and am prepared to send you this if needed. 
I would like the matter investigated and for all credit bureau agencies to be informed about incorrect information on my account. I would also like my creditors to be informed of any incorrect information on my account. 
I look forward to hearing from you as quickly as possible.
Complaint sub-issue: Reporting company used your report improperly

Equifax, according to their own research, allowed the unauthorized access to my personal credit data to occur from mid-XXXX through XXXX XXXX. 

The information disclosed included all or some of the following : my name, Social Security number, birth date, addresses, drivers license number, credit card numbers, and dispute documents including personally identifiable information. 

Criminals now have access to all information required to establish credit under my identity. As the information disclosed is in digital form, it is trivial to share and re-share my personal information. 

Equifax 's failure to meet their fiduciary duty to protect my information exposes me to a lifetime of elevated identity theft risk.
Complaint sub-issue: Information belongs to someone else

I have filed an Identity Theft Report with the FTC over this issue, since ERC claims to have no written or verbal communication with me, nor do they have any of my identifying information but wants me to provide them with my driver 's license, proof of address and social security number. This does not seem like a legitimate company.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 40 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This company, XXXX XXXX XXXX was to ONLY given permission to do a soft pull on my credit report as they ONLY ASKED for the last 4 of my social security number. This isthe only reason I did this, if I was informed it was a hard pull I would NEVER have done this. I want this hard inquiry immediatelyremoved from my Equifax report. This is a violation of my rights under the FCRA.
Complaint sub-issue: Debt was result of identity theft

I had an unauthorized purchase made on my Discover credit card in XX/XX/2019. I always pay my statements in full. I did not realize there was a fraudulent charge until I was getting my tax information together. The charge was {$1100.00} for a seminar in California. I live in SC and I have never traveled to California nor has my husband. 
My husband was using the card to buy materials for his XXXXXXXX XXXX at the time of the unauthorized purchase. I did not look at my statement at the time and paid the card off in full. As soon as I discovered the charge, I contacted Discover card and they credited my account. Two months later, Discover card added the charge back. I have tried talking to the fraud department many times and they will not dismiss the charge. 
They act like I'm lying about it. I have no reason to attend a seminar nor does my husband. Discover card is trying to sue me for someone else 's fraudulent activity.
Complaint sub-issue: Problem with paying off the loan

I currently have a XXXX XXXX XXXX on a lease. I was trading the vehicle in for a XXXX XXXX XXXX. On the VW Credit website, I can receive a payoff quote that is good for 10 days. The payoff quote was {$27000.00}. I produced a digital copy for the XXXX dealer as well as showed the sales person the quote directly while finalizing the deal for the new car at the dealership. This was on XXXX. The quote expires on XXXX. 

Yesterday, the XXXX dealer notified me that the payoff quote from VW Credit was {$28000.00}. That is {$850.00} more than the quote I provided for the dealership. I went back to the VW Credit website again today, XXXX and the payoff quote is still the same as I quote the dealership on XXXX. I spoke with a VW Credit representative about the discrepency and she said the quote provided is for the customer. The dealership gets a completely different payoff quote and that quote is based on market value. I asked her that VW can bascially charge whatever it wants to the dealer regardless of what the contract says? She said yes. Furthermore, none of this is even written on the payoff quote webpage. 

I told her could you imagine if I sold my house and only owed $ XXXX but the bank holding the note felt it was really worth $ XXXX so that is the new outstanding payoff. Such a practice is illegal. At this point, I am returning the XXXX purchase back to the dealership.
Complaint sub-issue: Account information incorrect

XXXX refused to remove a collection account ( Carter-Young ) off of my credit report. That debt was paid and I sent the receipt to have XXXX   remove that tradeline off my credit report. This action is affecting me getting a place to live with my children. I did send XXXX  a certified letter which was signed for on XX/XX/2020.
Complaint sub-issue: Account status incorrect

THIS IS NOT A DUPLICATE- I received a response from XXXX XXXX regarding the loan # XXXX, however the information that was provided by XXXX XXXX , Chief Administrator Officer was incorrect. Originally, I requested a goodwill courtesy update for the past due reporting on my credit report. I was able to review my credit report and was able to find multiple inaccuracies. According to Equifax, XXXX is reporting that this account was closed on XX/XX/XXXX, XXXX  XX/XX/XXXX and XXXX  there is no closure date. XXXX is reporting to Equifax and XXXX  that the account opened on XX/XX/XXXX but with XXXX, it is reporting that the account opened on XX/XX/XXXX. 

XXXX is reporting with Equifax that my account has 3 ( 30 Day ) late payments and 1 ( 60 Day ) late payment. However with XXXX  and XXXX, XXXX reports that I have 2 ( 30 Day ) late payments and 1 ( 60 day ). 

I have previously requested to remove past due reporting from my credit report as a courtesy because this inaccurate information is damaging my credit. However, the Chief Administration Officer stated that information reported was accurate which is considered to be misrepresentation.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I filed a dispute with XXXX, XXXX and Equifax about the inaccurate report of the account XXXX XXXX Account number XXXX, .. In 2 months I have asked numerous times for a response to their investigation and I have not received anything in response from this bureau, this is a violation of the FCRA 30 day investigation policy. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. I have attached documentation for proof of my complaint. Thank you
Complaint sub-issue: Information belongs to someone else

I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with XXXX XXXX XXXX. This collection account was opened in XX/XX/XXXX - and currently has a balance of {$1100.00}. In XX/XX/XXXX, I disputed this account with XXXX XXXX and received unfavorable results. I called XXXX XXXX XXXX on XX/XX/XXXX in an attempt to discover what this account was for ... I was told that the original creditor is " XXXX '' and that XXXX XXXX XXXX removed this account from my credit report on XX/XX/XXXX. Then, I called XXXX, and they were not able to locate my name and/or an account affiliated with my name. This account is falsely and negatively being reflected on my Equifax and XXXX credit reports.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/20 I initiated a dispute for the FedLoan accounts showing as past due and closed. I was not able to view the results online so I called and spoke with XXXX today XX/XX/20 XXXX advised me that the creditor does not have to show proof of delinquency they just have to advise them that they have validated the account. He has disputed them again. These accounts should not be showing on my credit report at all and definitely shouldn't be showing as late. FedLoan does not service my loans and has not for years. I think that creditors should be responsible for showing proof of the things that they report to the credit bureaus.
Complaint sub-issue: Didn't receive notice of right to dispute

-ENHANCED RECOVERY, XXXX XXXX {$750.00} Called at XXXX got a virtual agent, XXXX, XXXX transferred to an actual agent now at XXXX got XXXX. Being transferred to her manager who will be able to help us at XXXX got XXXX XXXX. Called to offer a payment in exchange for this being removed from my credit as I never received written notification of it. I was then transferred to the escalation team at XXXX. Got XXXX XXXX at XXXX XXXX XXXX, told me during this call that all letters were sent to my previous address, XX/XX/2020, XX/XX/2020, XX/XX/2020 were the dates the letters were sent to an address I havent lived at in years. I let XXXX know that none of these letters ever made it to me and tried once again to pay the debt if they would remove it, as they failed to send written notification to the correct address. I was told no.