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

XXXX confirmed to me today that there should be no late payment on my account. My loan has been paid in full. I need this removed immediately, as it has erroneously dropped my score significantly. I no longer qualify for a mortgage that I qualified for before this error was reported. I have asked the credit bureaus to investigate, but even though XXXX confirmed via phone today that there was no late payment, it is still being reported on all three bureaus, effectively stopping me from buying a home.
Complaint sub-issue: Account information incorrect

They reporting a late payment last year 2021 I never was late they say they was Gon fix it and remove it but never did it's still there plz remove asap
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed this account as inaccurate. XXXX  and XXXX  continues to report this account on my credit and has responded that the debt was verified. How is that possible? What was your method for verification? Who did you contact? I have contacted XXXX XXXX myself regarding the account mentioned and have been unable to get them to verify that this is indeed my debt. 

I have attached copies of the correspondence I received from XXXX XXXX after asking them to validate this debt. In response, XXXX XXXX is asking me for my personal information such as social security number, my full name, full card number, my address along with a detailed explanation for my request. They are the ones reporting negative information on my credit report. Shouldnt they have this information already? They have my name, current address, and the card number yet they continue to ask me for additional personal information. Apparently, they do not have any information on me. This debt is not mine and I was not given any evidence of my obligation to pay this debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract for any and all accounts you post on a credit report. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is clearly a case of unverified debt. I advise XXXX XXXX ( XXXX & XXXX ) to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages & declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to resolving this matter ASAP.
Complaint sub-issue: Application denied

I had an account in 2018 that was paid in full Never late and Discover did a fantastic job of helping to clear up an internal error that was giving me credit card decline. 

They finally approved me for a credit card with a XXXX limit after contacting both you and Discover. 

Recently I have applied for a loan wanting to consolidate maybe XXXX or so that I have an outstanding debt due to Covid and Discover gave me yet again that old reason for declaration prior or existing accounts etc. Letter enclosed.
Complaint sub-issue: Can't close your account

On XXXX of last year I noticed 2 fraudulent charges in my account. One for {$270.00} and another for {$250.00}. The moment I realized I contacted PNC immediately and notified them. I just joined this bank and already I was experiencing fraud, topped with their terrible customer service experiences I decided to close out all of my accounts with them. Of course the closing of my accounts took forever with their employees refusing for over an hour and a half to let me speak with the necessary parties to do so. When I finally got someone they stated they had to wait until XXXX to close out the one remaining checking account that holds the dispute for the two fraudulent transactions mentioned earlier. I said that was fine since I know I didnt make those two transactions. Keep in mind since their service was so bad, coupled with I didnt even receive a fraud alert for such major transactions I switched back to my previous bank XXXXXXXX XXXX since XXXX of XXXX. XXXX XXXX   has been my main bank since and no transactions at all have been coming out or deposited into PNC. Yet somehow with the account they refused to close because of the pending dispute ( still not sure why its taking them 3 months for transactions that werent mine ) they are charging fraudulent fees. This checking account is a student account thus there is no monthly fees, so I dont get what fees theyre charging for in active account bringing it to the negatives and then having they audacity to charge overdraft fees they created. Fast forward to XX/XX/XXXX. I opened the app to finally see if they closed out the account only to see they refused the dispute asking me to pay for transactions I didnt make. Yes an app had to tell me they never sent a letter or called!!! This bank is above ridiculous! Im not paying for transactions I didnt make, and fraudulent fees theyre charging me because they want to keep an unwanted account open. I did some research and found out Im not the only victim to this scam of theirs, there was a whole lawsuit in XXXX by many customers of the bank and if they dont rectify this situation I will be their XXXX lawsuits and I have proof of not even having access to my bank/debit card at the time of the fraudulent transactions. Im tired of calling just to be transferred around for 2 hours because no one wants to help me.
Complaint sub-issue: Public record information inaccurate

XX/XX/2018 NOTICE OF LAWSUIT SETTLEMENT OFFER EQUIFAX XXXX XXXX XXXX XXXX GA XXXX To Whom it may concern : I regret to inform you that your company is now the target of a lawsuit due to an endless circle of grief you have caused me. You have violated the Fair Debt Collections Practices Act as well as the Fair Credit Reporting Act on multiple occasions as described in the following lawsuit. I have an extensive paper trail along with substantial proof of these violations. 
I am willing to settle this matter and save us both aggravation of fighting this out in court. I am willing to withdraw the law suit upon. 
1. Immediate Deletions of the following Accounts 1. Public Record Account # XXXX 2. Immediate Deletion of all Inquires 3. Removal Of Identity Theft Alerts 4. Update My name and address as per my Drivers License Do these things within 5 days of receipt of this notice and I will immediately withdraw the lawsuit against your company. If you wish to settle this matter you may contact me at the address listed at the bottom of this letter with an updated credit report with the necessary changes Thank You for your help in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX DOB-XXXX SS # XXXX
Complaint sub-issue: Debt is not yours

This account XXXX XXXX  is incorrect. I sent a debt validation letter and tried disputing to credit agency and they couldnt provide validation of the debt and verify me with proof they assume I owe. You can not furnishes information knowingly inaccurate by law under 15USC 1681. You must maximum accuracy and this is completely in violation. This in fact, is identity theft upon me, which violates my rights. I never gave written instructions to do so, which the law states. This is hurting me to obtain credit.
Complaint sub-issue: Was not notified of investigation status or results

I have a collection on my Equifax credit report. It does not state what company it is from. It should be not be on my report. I am not delinquent with any company. Please get this addressed immediately. I will like to act upon my rights according to the FDCPA. I know the FTC also believes in consumer fairness as well. This is not reporting on my XXXX   and XXXX report. The Account number listed on the Equifax report is XXXX. I strongly dispute the inaccuracy of this being my reported on my Equifax account.
Complaint sub-issue: Account information incorrect

XXXX XXXX # XXXX is reporting a late I do not owe. My account is on auto payment and I know it was paid that month. This late is added in error and is inaccurate and should not be there.
Complaint sub-issue: Debt is not yours

I dispu ted a derogatory item placed on my credit report by IC SYSTEM INC in err or to  XXXX ,   XXXX   and   XXXX   --  XXXX  and   XXXX   fixed the error by removing the item from my credit report --  XXXX  DID NOT.  XXXX  refused to remove the item and said so after their " investigation '' was complete. I disputed this item  with IC System ( a collection company )  and they have not even acknowledged my complaint. On  XXXX  I resubmitted my dispute with   XXXX   and warned both IC System and   XXXX   of pending legal action I intend to take if this situation is not resolved IMMEDIATELY. The derogatory item was for an unpaid dentist bill ( {$900.00} ) which IS PAID and the account ( my husband  XXXX  's ) is IN GOOD STANDING with  XXXX   XXXX  ( merchant ). This item should NEVER have appeared on my credit report in the first place -- and since the item is PAID, this item DOES NOT BELONG IN COLLECTIONS.
Complaint sub-issue: Information belongs to someone else

There are three accounts that are on my credit report that do not belong to me I need to know why these are onn my credit report and why after sending 4 rounds of letter s for dispute I have not receieved anything back from the bureaus I have even opened an FTC for these accounts and yet they are still on my report. This is identity theft and I need this taken care of asap.
Complaint sub-issue: Account status incorrect

Carmax Auto Finance XXXX # XXXX is continually reporting late payments yet Ive never been late paying my auto loan here is a list of incorrectly reported late payments by carmax auto finance XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX Ive read many complaints from other consumers and have realized that this is an on going practice of Carmax Auto Finance.
Complaint sub-issue: Debt was result of identity theft

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. XXXX Account XXXX : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA AN ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGANIZATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Complaint sub-issue: Investigation took more than 30 days

In XXXX of 2020, I filed a dispute with these 3 bureau dispute department about the unverified accounts : XXXX XXXX  account # XXXX. In those 3 Months I have asked numerous times for a response and I have not received anything in response from thses bureau in over 45 days because this account is still in dispute. 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. Thank you
Complaint sub-issue: Debt is not mine

I continue to get phone calls from a company Allied Interstate , LLC. They claim I have a debt from a XXXX Credit Card from 1998 which is in my maiden name. The debt totals {$1400.00}. I called XXXX and this debt does not exist.
Complaint sub-issue: Reporting company used your report improperly

XXXX consistently lowers my credit score when I received two new credit cards and they are monitoring and purposely decreasing my credit score to keep me from obtaining credit. 

They have my credit file in XXXX special investigation file so when ever I apply for credit they are alerted and change my credit information then deny the new credit application. 

They have no reason to have my file listed under special security. 

They have decreased my credit score by XXXX points for an 18 % increase in balance for XXXX new credit cards. 

XXXX months prior to the XXXX point decrease they decreased my score by XXXX points for a new credit card. 

They consistently show a balance for a charged off and disputed account with XXXX opened in 2014 which should be removed from my credit report. 
It's over XXXX old. 

They are allowing XXXX to monitor my credit. 

I have monthly credit inquiries by XXXX. 

But every time I have a credit inquiry they list it on my credit report along with recent last payments this is all illegal. 

I have made many complaints in which XXXX corrects the matter and then repeat the same actions a couple of months later. 

I have written my local Senator who happens to be on the XXXX XXXX XXXX with a complaint.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$1200.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Complaint sub-issue: Trouble using the card to pay a bill

On XXXX XXXX Reliacard deactivated my card for suspect fraud and said I had to fax current ID, social security card and previous years tax docs, I promptly did that and after 25 days they finally verified I was that actual person but they still never activated my card saying I had to go to local unemployment office and I did that and was informed by them that they were putting my weekly benefits on my card and had nothing to do with the deactivation. The Reliacard Representative then told me that the XXXX is holding up money and theres nothing they could do, now every thing in my house is about to be disconnected can you please help me
Complaint sub-issue: Non-sufficient funds and associated fees

On XX/XX/2022 I opened an account with PNC Bank, which included XXXX accounts, Spend, Reserve, and Growth. 

The balance of those accounts were : Spend ( # XXXX ) {$1000.00} Reserve ( # XXXX ) {$1000.00} Growth ( # XXXX ) {$3000.00} The contract I signed off says ( attached an image ) " No monthly service charge if you meet XXXX of the following : {$5000.00} combined average monthly balance in your Spend and up to XXXX PNC Bank consumer checking accounts you have chosen to link ( including Reserve ) '' My account meets that criteria, but starting in XXXX ( attached a copy of the statement ) they charged me the {$25.00} service fee, I got in touch with them on XX/XX/2022. 

I received an email refunding me only {$50.00} out of the {$150.00}, I answered asking for a full refund of the services charges ( attached the email ), because I had over {$5000.00} before they started charging me the service, I received a phone call on XX/XX/202 from XXXX XXXX, she said that I had to keep a balance of {$5000.00} in my spending account, unfortunately, I was not at home and had no copy of the contract, she told me that the {$50.00} refund was just a courtesy because I didn't have {$5000.00} in my spend account, and offered me to change to a different service to avoid service charges which I did, when I got back home I asked her by email ( attached a copy ) to receive a detail explaining why they didn't consider I met the requirement. As of today, I have not received an answer from her.
Complaint sub-issue: Information belongs to someone else

This is the final time I am requesting that the account attached be deleted from my credit report. I am a victim of identity theft.
Complaint sub-issue: Trouble with how payments are being handled

My son and my daughter takes full responsibility to pay there student loan, but yet the collection agency is bullying and harrassing me to paid for these loan. even those i co-sign the parent plus loan.my understaning is that if there are willing to paid, since they are adult and willing to pay.why are they not granted this opportunity to do so. Additionally i am requesting an itemize billon the loan amount for the tuition, how much has been paid and much remaining.since the XXXX XXXX when out of business i could not get a live person to speak with regarding this critical matter. Leaving me very devastated and high stress level. collections agency theathening to garnish my salary. MY XX/XX/2017 tax return was seized my navient loan company. thank you for your assistant regarding this matter.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XXXX XXXX XXXX  submitted to Citicard a bill for advertising. I had not signed the contract they sent me. I disputed the charge. Citicard investigated it. I sent them a lengthy explanation of the facts that : XXXX XXXX had sent me two contracts to sign. Neither of which I signed. 
If a company offers a contract for you to sign and you do not sign it, how could Citicard then assume that a legitimate business agreement was effective and in place? I communicated with XXXX at least twice by email and twice verbally that I did not want their product. 
I furnished to Citicard the email record as well as summaries of conversations I had with the representatives at the company. 
Citicard asked me to explain what I had received versus what I expected. I told them I never received anything. To my knowledge there has been no ad run on my behalf. I asked repeatedly for proof that the persons ad which I was taking over was in fact exclusive and was the sole life insurance ad in the respective issues in which that persons ads appeared. I never received those. 
In spite of all this, Citicard ruled in favor of the claimant and honored the charge. 
They then threatened to list my payment as late as follows : ..we may report your account as past due to the consumer reporting agencies listed below if we do not receive the minimum payment by the due date shown on your billing statement.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX