Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 100 % of this account is paid off Balance on XX/XX/XXXX {$0.00} Original loan amount {$18000.00} Account info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto LoanStatus Charge-off Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$18000.00} Monthly payment {$0.00} Additional info : I paid it off and company agreed to removed upon payment, I simply need this action honored. 
XXXX XXXX XXXX 78 Months Company sold XXXX XXXX XXXX XXXX Original creditor Comments Transferred to another lender Purchased by another lender Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number By mail only XXXX XXXX  XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 49 % of this account is paid off Balance on XXXX XXXX, XXXX {$6600.00} Original loan amount {$12000.00} Account info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Status Charge-off Status date XX/XX/XXXX Past due amount {$6600.00} Original loan amount {$12000.00} Monthly payment - Additional info : Written off due to Car Transmission replacement wasn't covered by factory warrantee. XXXX considered it a loss and wrote it off. Plus its pass the statues of limitation period in Virginia. 

Also In Virginia, the applicable statute of limitations for credit card debts, mortgage debts, and medical debts is five years. After the statute of limitations has expired, a creditor or debt collector can no longer file a collection lawsuit related to that debt. 

XX/XX/XXXX Debt Type : Deadline in Years Credit Card : 5 Auto Loan : 4 Oral : 3 Responsibility Individual Terms 60 Months Company sold - Original creditor - Comments No comments Statements No statements Contact info Address XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX XXXX XXXX CT GA XXXX Important dates Original filing date XX/XX/XXXX Latest status date XX/XX/XXXX Additional details Reference number XXXX Record type Bankruptcy chapter XXXX XXXX XXXX XXXX CT GA XXXX Additional Information : If the Chapter XXXX plan is dismissed, creditors may immediately initiate or continue with state court litigation pursuant to applicable state law to foreclose on the petitioner 's property or garnish their income. If a bankruptcy case is dismissed, the legal affect is that the bankruptcy is deemed void. Dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send me an updated copy when this action is completed.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX were XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXXDEPT OF ED XXXX Balance : {$2400.00} ; XXXX/DEPT OF ED XXXX Balance : {$4000.00} ; XXXX/DEPT OF ED XXXX Balance : {$9000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a certified dispute letter on XX/XX/2020 notifying your failure to provide the credit bureaus of my notice of dispute. This shows that you did not investigate my concern. The item being reported is completely inaccurate and needs to be removed immediately. I have provided a copy of the certified letter and my dated credit report showing your failure to follow the Fair Credit Reporting Act.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/19, I settled a Discover Card account in full. I owed {$XXXX} and paid {$XXXX}. I have a letter that says this is settlement in full, however, my credit report is showing I still owe a balance. XXXX investigated but says my balance is still {$XXXX}. Even after I provided the letter as proof.
Complaint sub-issue: Information belongs to someone else

An account was opened today ( XX/XX/21 ) under my credit from Jefferson capital in Minnesota. I live in XXXX Nebraska and did not authorize this.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$330.00}
Complaint sub-issue: Information belongs to someone else

Last year I discovered a false account with XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax was used by XXXX in XX/XX/ for a background check/credit check for a job I was applying for. The information that they provided was inaccurate and caused the only delay in my processing. I have disputed these items and Equifax has not properly investigated these errors as required by FCRA. The most recent dispute was verified as accurate on XX/XX/. As the documentation attached will show the disputes are based on information directly from their report but that can not be verified as accurate as I have outlined. Equifax is in violation of the following Reinserting or reporting a previously deleted item without notifying me in writing within 5 business days of the reinsertion ( XX/XX/ & XX/XX/ ) Reporting the status of an account as a charge off when it is paid in full ( XXXX /XX/XX/ ) Willfully and recklessly reporting false info after being notified of the error and failing to investigate or correct the error as stated in my previous complaint Equifax must open an independent investigation and reinvestigate these items as required by FCRA XXXX 
Equifaxs failure to comply will lead to additional complaints being filed with regulatory authorities and other legal options if necessary.
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX, XXXX, Equifax Inc. announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a vulnerability on a U.S. website application to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from XXXX through XXXX XXXX. 

The information accessed primarily includes names, Social Security numbers, birth dates, addresses, and in some instances drivers license numbers. In addition, credit card numbers for approximately XXXX XXXX consumers, and certain dispute documents with personal identifying information for approximately XXXX U.S. consumers were accessed. 

I went to the Equifax website and ran my information under 'Am I Impacted? '. Based on the information provided, Equifax believes that my personal information may have been impacted by this incident.
Complaint sub-issue: Personal information incorrect

In XX/XX/2021 I sent Equifax a notarized letter advising them that my DOB and other information was incorrect. Equifax claims they never received the documents, however I have provided tracking information to show the documents were received.
Complaint sub-issue: Account status incorrect

XXXX   XXXX   XXXX  has listed a past due account for the     XXXX   XXXX    XXXX   XXXX . Per my insurance documentation and the agreed upon of their agreement with th e    XXXX   XXXX    XXXX   XXXX , this bill was paid and my responsibility is {$0.00}.     I emailed th e    XXXX   XXXX    XXXX   XXXX   (   XXXX  XXXX  XXXX  ) on  XXXX   XXXX ,  2017 a nd have not received a response. I also mailed a letter to  XXXX   XXXX   XXXX  on  XXXX   XXXX ,  2017 and h ave not received a response.     Please assist me in having this removed from my credit profile.     Thank you,  XXXX   XXXX .
Complaint sub-issue: Don't agree with fees charged

I went abroad two years before graduation, triggering my deferment period. To correct for that, I called Nelnet customer service twice ( once in XXXX XXXX and once in XXXX XXXX ) to request assistance ; I also submitted deferment forms with the proper signatures and authorizations twice. The forms were filled out correctly and addressed to the proper location -- but I 've still been incurring interest expenses for months on end. They also have reported that I missed a payment even though my history clearly shows a payment that 's literally XXXX more than my minimum payment days before the due date.
Complaint sub-issue: Account status incorrect

It appears that the Consumer impacting unethical incentives, misleading process, and incompetent processing by Citibank AND Home Depot is resulting in considerable financial damage to me personally. 

My credit report shows a {$200.00} balance was charged off by Home Depot AND Citibank. I was NEVER sent a physical charge card. I was NEVER sent ANY statement. 

I have carefully built over a 40 year credit history with no missed payment. This unethical and incompetent behavior by Citibank and Home Depot is impacting me financially. 

The reporting shows I applied for {$200.00} credit during checkout process during XXXX as part of instant credit offering and it was not paid back. But, again, I NEVER received a charge card, not did I ever receive a statement from either Home Depot or Citibank. 

My request is to remove this damaging information from my credit report. I offered to pay {$200.00} even if the checkout clerk opened an account in my name without my permission.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

XXXX, Equifax, and XXXX have so many different discrepancies ' between all 3 accounts and information provided that it has been causing me hardship to obtain new credit or purchase a home. All information should be reported correctly between all 3 but none of it makes sense. I have tried numerous times to contact all 3 credit reporting agencies, but information still does not get updated correctly. As you can see from what I have attached below XXXX is giving me 3 different scores across 3 different platforms. Same is with XXXX and Equifax.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have unverified accounts on my credit report that I have asked to see signed consumer contracts with my name that the credit bureaus did not investigate properly and are showing up as collections and one charge off that is affecting my ability to obtain credit. I have unauthorized credit inquiries on my credit report that I did not authorize. I have submitted letters to all 3 credit bureaus including the company 's and dates that the inquiries where submitted. I only gave my authorization for one bank to run my credit I now have 18 inquiries on my credit report mainly from auto finance companies. NEVER AUTHORIZED ANY DEALERSHIP TO RUN MY CREDIT THAT MANY TIMES. This is devastating to my credit report. The credit bureaus have not properly investigated my letters I asked for paperwork with my signature and they did not provide it to my according the the law usc 15 609 ( A ) Equifax Collections : 1XXXX XXXX/ account # XXXX XXXX. XXXX XXXX XXXX/ account # XXXX Closed Account : XXXX XXXX XXXX Account XXXX XXXX Non authorized inquiries : XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX Closed Account : XXXX XXXX XXXX XXXX Account XXXX XXXX Collection : XXXX XXXX XXXX N/Account # XXXX Inquiries : XXXX XXXXXXXX XXXX XXXX  XX/XX/202XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX Closed account XXXX XXXX XXXXXXXX XXXX / Account # XXXX Collections : XXXX XXXX/ Account XXXX XXXX XXXX XXXX Account # XXXX Inquiries : XXXX XXXX XX/XX/2021 XXXX XX/XX/20XXXX XXXX XX/XX/2021
Complaint sub-issue: Public record information inaccurate

I applied for a XXXX position and I was told that my background check had some criminal history and was denied. My criminal record was set aside in the state of Arizona XX/XX/2016. my rights were restored and I was released from any disability a XXXX would cause me such as the inability to gainfully be employed. I am a XXXX 's level XXXX XXXX   and having my charges set aside is vital for my profession.
Complaint sub-issue: Banking errors

I opened my Key Bank account online. I planned to use this account as my primary bank account. 

I was informed after opening the account online that i would need to come to a local branch to complete the opening process. 

I took time to travel to the local headquarters branch and arranged an appointment with the branch manager to finish opening the account. She took copies of my ID and other documents. 

I received multiple followup emails at least twice to confirm my account is fully open and ready for use. 

I arrange my direct deposit into the account. A week later all transactions in the account would appear and then disappear with no record. I received notice from a brokerage account that my transfer to my Key Bank account had failed and i would be accessed fees. 

Same thing happened with another transfer and i was accessed fees. 

I reached out to the branch manager again and informed her the unusual problems. She reached out to her back office and then told me that my account was closed WITHOUT any notice and that's why transfers into my account failed. I asked her how could this possibly be as she confirmed multiple times the account was fully opened and ready for use. She said it was because the back office said " negative banking history. '' I was in shock. 

I do not have any negative bank history. I have never defaulted nor gone into debt etc. I have never experienced amy problem like this before. 

Now i am faced with multiple fees from failed transfers after Key Bank confirmed multiple times my account was fully open and ready for use.
Complaint sub-issue: Information is not mine

Inquiries from indentity theft and they refuse to remove with clearly they notice and recognize my situation no help from consumer services please help me just the them removed 3 inquiries   XXXX   XXXX   and  XXXX  I need them to be removed from my credit
Complaint sub-issue: Debt is not yours

XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Nurse Practitioner, XXXX XXXX, billed my medical insurance company, Florida XXXX XXXX XXXX XXXX for Ms. XXXX treatment for my XXXX injury at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Florida XXXX XXXX and XXXX XXXX, denied the claim because XXXX XXXX refused to provide additional information they requested to further process the claim. XXXX XXXX later turned it over to a collection agency after they had been notified by the insurance company and me that additional information was needed. The claim has now been posted as an uncollected debt on my credit bureau reports. Florida XXXX informed me that I was not responsible for that insurance claim and bill since the company and the nurse practitioner failed to comply with their request for additional documentation as they are an in-network provider for them. I have also filed complaints with the State of Florida Attorney General 's Office, the Florida Agency for Healthcare Administration, Florida Board of Nursing, and the State of Florida Chief Financial Officer 's Investigative Bureau. 

I find it rather strange that you and your company will not work with the hospital or Florida XXXX XXXX and XXXX XXXX in resolving this matter. HCA Ethics and Compliance representative, XXXX XXXX, contacted me on Friday, XX/XX/XXXX stating someone from XXXX XXXX would be getting in touch with me. They can not determine what happened either and were calling me for documentation when they could not obtain anything from your company. It is now Monday afternoon, XX/XX/XXXX, and I have not heard anything. We are trying to restore our home following extensive damages sustained from Hurricane Michael. We had to withdraw our mortgage loan application for additional funds because this is reported as an uncollected debt on my credit bureau report.
Complaint sub-issue: Right to dispute notice not received

debt just showed up on my credit statement with no notice of right to dispute
Complaint sub-issue: Their investigation did not fix an error on your report

I received a letter XXXX XXXX XXXX XXXX showing my credit score.XXXX XXXX FICO Classic showing Serious Delinquency, and Public Record or Collection filled, And with Equifax/XXXX XXXX has on there report serious Delinquency and Derogatory public record or Collection filed? I don't understand anything they are reporting! please help with this matter
Complaint sub-issue: Personal information incorrect

Hello, I continuously have submitted certified letters to all three credit bureaus making them aware of my address change for a while now, Discover Bank updated my address and remove the late payment due to my statements werent going to the correct address and thats against the Fair Credit Billing Act ( FCBA ), however a month later they added the late payment back and I didnt receive anything in writing that an inaccurate delinquent payment would be added back on my credit and that is against the consumer protection law, it requires a 5 day written notice prior to reinserting deleted items. I'm asking that you delete this inaccurate late payment due to my statement didn't go to correct address and that you update my address so that my statements can come to my home address which is the correct address.
Complaint sub-issue: Information belongs to someone else

I am writing to CFPB being I'm a service member serving in the XXXX XXXX XXXX by which I have a complaint and would like for this item to be removed being I have followed and sent the required doument of ( SCRA ) Service Members Civil Relief Act a while back and they are reporting incorrect information and information that is not mines. From the several complaints written here on the consumer financial protection bureau from similiar service members and veterans I am requesting that the following inaccurate items be immediately investigated. Please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record. 

These are the companies that are all 3 of my credit reports that are inaccurate and not mine : XXXX XXXX / XXXX / XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act 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: Old information reappears or never goes away

This is more involved than just my credit score. When we started shopping for a mortgage in the summer of XXXX, we ultimately chose XXXX XXXX, which was recommended by our realtor. Shelter initially said they could give us a Jumbo Loan at a fixed rate for 10 % down on our $ XXXX purchase. Other companies could n't offer that so we went with XXXX. When it came down to crunch time, we learned that XXXX could no longer offer us that product because our credit score was XXXX, instead of the required XXXX. We also learned that we then needed 15 % down. By that time, it was too late to change companies. So we were told that we needed to have two mortgages- initially both were to be fixed rate. We sought the secondary mortgage from the XXXX XXXX XXXX XXXX. At the last minute, we were told that my credit score dropped to around XXXX. Now, we certainly did n't open new lines of credit or make an large purchases as we were anticipating getting our mortgage. It seems as though a " serious delinquency '' from over 5 years ago ( which was disputed and resolved ) re-appeared on my XXXX credit report. I called XXXX and disputed this report again, but it would take 30+ days to be corrected. In the rush to finish our mortgage before we lost the house ( our " drop dead '' date was fast approaching ), we had to accept a second mortgage at an adjustable rate. Because of all the errors along the way, we ended up with a larger monthly payment than anticipated. We have also estimated that we will pay an additional XXXX over the 30-year lives of our loans due to these errors. In a high-pressure situation as first-time homebuyers, we were in a vulnerable position and were at the mercy of professionals who we feel wronged us.
Complaint sub-issue: Information belongs to someone else

I notified this company that this account does not belong to me and submitted a police report, which also proved this account is not mine, but they have not removed it from my credit report.
Complaint sub-issue: Other problem getting your report or credit score

Equifax has removed my XXXX XXXX account from my credit file I have called and written on several occasions still have not gotten any results. Equifax refers me to XXXX XXXX, XXXX XXXX refers me back to Equifax and states that they have reinstated my account that was removed in error they continue to report to all credit bureaus XXXX, XXXX  and Equifax, My account is shows on XXXX  and XXXX  Equifax seems to be the only agency that their is an issue with. I received this credit card account XX/XX/XXXX the account stop reporting to my Equifax file in XXXX of XXXX. My account is current and in good standing, But this has been a continuous problem for two years I pay bill for a credit card that does not reflect my credit file or score this not right.
Complaint sub-issue: Reporting company used your report improperly

So i sent a letter off on XXXX XXXX. Here is my tracking numbers : Equifax : XXXX XXXX : XXXX XXXX  : XXXX To remove personal information that I don't not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.
Complaint sub-issue: Debt was discharged in bankruptcy

They are collecting on a debt that was discharged though chapter XXXX bankruptcy