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

VW Credit is reporting an erroneous late on my credit file. This late is for XX/XX/21. I had been in constant contact with them because i was going through a hardship and thought i was going to have to give vehicle back because i could not afford to pay them at that moment in time. Once we were nearing the last of my options they decided to work with me and set up a payment arrangement to help get back on my feet. Now i am in a much better position and am able to make all my payments on time. I truly did not intended to be delinquent, my wife was the only one working and we really could not make ends meet. Now that i am in a better position i would really like to move forward in life and buy a home but unfortunately this late notation is really holding me back. I have had this account open for a very long time and hated that i even had to jeopardize my account standing due to this hardship but there was really nothing else i can do. I am asking, pleading, that you remove this late from my credit file. It will help tremendously and i will be able to obtain financing.
Complaint sub-issue: Billing problem

Hello, I would like to share my current unfair experience. My wife and I have always paid on time. We both have never missed a payment. I had been paying off a car that I purchased at Carmax. Last year was the last year for the payment of 5 years. I have never been late on the payment or even missed a payment. For some reason in XX/XX/XXXX, I received a notice that the XXXX payment was past due. On our side, the payment was removed like all of our other auto payments. There would be no reason autopay was disconnected for the last XXXX payments! As soon as I received the letter in XXXX, I called Carmax. We spoke with the the local office and the corporate office. They confirmed that they would not report this to the credit bureau, but if they did, it would reflect in 30 days. I patiently waited, and no negative impact was posted on my credit score. I was of course sensitive because my wife and I had been preparing to purchase our first home. We had been preparing and making sure everything was okay for months before. We finally purchased in XX/XX/XXXX and everything has been going well. 

This month ( XX/XX/XXXX ), XXXX XXXX XXXX program alerted me that there is a missed payment. My score had gone down XXXX points. This was very shocking to me especially because the loan disclosures have been sent and the rate has been locked. We are 19 days from closing and they did a final check for credit score. They found this and now the whole situation is a different story. Now the numbers on our loan are looking to be much higher & to keep the same rate, we need to pay an additional point cost. 

Because of Carmax 's faulty autopay program, my credit score went from high XXXX to mid XXXX. This was a very large difference and making it difficult as I have this unexpected extra upfront point cost of {$6800.00} and additional {$100.00} of mortgage insurance each month ( it is expected to stay for 10 years= {$12000.00} ) Please help me receive this amount. 
Thank you for your time in advance.
Complaint sub-issue: Information belongs to someone else

I Believe I am a Victim of identity theft there are multiple accounts that i did not open or authorized. I really don't know anything about credit unit I recently checked my credit report and seen these fraudulent accounts. I am confused how someone can open an account in my name without my consent or authorization Please look into this investigation i will like these account to be remove from my credit report as its hurting my score and its fraud. thank you Fraud account are XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX   are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Complaint sub-issue: Can't close your account

Attempted to contact PNC by phone several times between XX/XX/XXXX and XX/XX/XXXX. Was not able to get through to a representative. Also, PNC stopped allowing communications through secure message due to their workload. I was attempting to close my account. 

On XX/XX/XXXX a monthly service charge of {$25.00} was assessed to the account. I have requested by phone on XX/XX/XXXX that the fee be reversed. The representative informed me that they could not reimburse the fee and could not transfer me to a supervisor.
Complaint sub-issue: Account status

I have a charge off on my credit reports with XXXX, I have paid the bal owed in full. The company said they would remove the remarks ( charge off as bad debt ) and replace it with ( paid as agreed ) They would send XXXX credit bureas XXXX, equifax and XXXX the update. They since told me they have done that. I have spoken to XXXX credit bureas None of them will change it. I have been working hard to take care of my old debts. Looking forward to maintaing a good credit history.
Complaint sub-issue: Other problem getting your report or credit score

I have been working with a mortgage company for XXXX week and a half now and they are unable to pull my Equifax credit score. 

I phoned Equifax on XXXX-22- spoke with a representative who stated there was nothing on their end that was causing the problem. No freezes or fraud warnings the company should be able to get the credit score. 

Phoned Equifax again on XXXX22 as unable to pull the score. Again, as noted above they stated that all information was correct and the company should be able to pull our score. 

Phoned Equifax again on XXXX-22. I verified that my address online with them and the address my mortgage company was submitting is the same and correct. Still unable to pull my credit score- on the phone with a representative for XXXX minutes trying to see what is going on. They were still no help, stated the mortgage company should be able to get the score. 

Phoned Equifax again on XXXX22 as the mortgage lender is still unable to pull our score. They have spoken directly with the company that pulls the credit, they stated that I need to contact Equifax again as it is nothing on their end. 

If I don't get this resolved I will miss out on the property we are wanting to buy to build our home. This is absolutely ridiculous. No one is helpful at all at Equifax customer service.
Complaint sub-issue: Debt is not yours

Enhanced Recovery is showing a debt from an XXXX XXXX XXXX account from XX/XX/2020 that does not belong to me. My cell service is. through XXXX and I have had the service for approximately 3 years. My cell phone number with XXXX is XXXX XXXX XXXX XXXX.
Complaint sub-issue: Account status incorrect

My mortgage company, XXXX XXXX XXXX  ( XXXX ), reported with Equifax and XXXX  that I paid my XX/XX/2020 mortgage payment 30 days late. I filed a dispute with Equifax and XXXX   disputing that error, but XXXX sent them ( Equifax & XXXX  ) a response saying I did pay my XX/XX/2020 mortgage payment 30 days late. However, XXXX reported inaccurate information on my credit report because, I did not pay my XX/XX/2020 mortgage payment 30 days late. XXXX received my XX/XX/2020 mortgage payment on XX/XX/2020 so, it was NOT 30 days past due. 

I have copies of my simply free checking account statement ending in XXXX with XXXX XXXX XXXX XXXX, which demonstrates that XXXX received their XX/XX/2020 mortgage payment electronically on XX/XX/2020 in the sum of {$2600.00}. I also have a screen shot of my XXXX online account activity, which shows that XXXX acknowledges that they received on XX/XX/2020 my XX/XX/2020 mortgage payment. These documents support my position to correct my credit file, but XXXX has been uncooperative and is killing my credit. I am just so confused and upset about this situation. My credit score dropped over 55 points.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$6700.00} ), XXXX XXXXXXXX ( Opened XXXX XXXX, XXXX, Balance {$2700.00} ), XXXX XXXX XXXX XXXX  ( Opened XXXX XXXX, XXXX, Balance {$9000.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed this account with both XXXX  and Receivables Management Systems, and I read the Law XXXX, which clearly states that a paid medical collection, especially a disputed paid medical collection MUST be deleted from a persons credit. XXXX  has failed to follow that law. They are continuing to report a paid medical collection despite my repeated disputes! I demand justice!
Complaint sub-issue: Account information incorrect

they are incorrectly reporting 29 days late as 30 days late.. this is in direct violation of FCRA act, 15 U.S.C 1681 This company is reporting me a 30 day late even though they had payment on day 30th. you can not make up your own rules reporting 30 days late when you are 29 days late. 29 is not 30 ... it is impossible for them to report 30 days late when they have payment on day 30.

30 days late means at least 30 full days late, not 29 days late ... ..that 's not how credit reporting work... ..you can not report 30 days late on day 29, it has to be full 30 days.

the law is very clear ... .if they do not correct this issue immediately, I will be suing XXXX in small claims court. 

it has to be full 30 days late before they can report a 30 days late, not 29 days as their letter states. see attached.
Complaint sub-issue: Information belongs to someone else

Hi I wanted to know if you all can help me. There are still some accounts on my credit showing that are not mine. Im doing this on my own. Some of the accounts did come off and some inquiries but some did not XXXX XXXX and the inquiries that are not mine are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

i have contacted all 3 credit bureaus as well as XXXX XXXX 6 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$910.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be...
Complaint sub-issue: Frequent or repeated calls

I found out last week on XX/XX/14 that I was supposedly past due on an amount of {$170.00} I thought I called and fixed this issue but today at XXXX my mother called me to tell me they are currently harassing her. Please stop them.
Complaint sub-issue: Investigation took more than 30 days

Hey on XX/XX/2021, I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XX/XX/XXXX and XX/XX/XXXX, I contacted Citibank about several unrecognized charges that appeared on my online account and billing statements. In XX/XX/XXXX, I disputed a charge for {$99.00} travel charge I did not remember purchasing. At the time of the dispute I did not recognize the merchant. The bank said it gave me a provisional credit, but that credit did not appear on my XXXX statement. However, a reversal did appear on my XXXX statement posted on XX/XX/XXXX, but 30 days after I filed the dispute. 

The bank never sent any correspondence about the dispute, the provisional credit or the reversal of the charges. The charges just appear on my statement. The issue is that I searched Both the XXXX and XXXX statements and could not find a credit. Finally, looked on the website to look at previous statements and found a " provisional credit '' that on the XXXX statement dated XX/XX/XXXX. However, if the bank had actually provided a credit on my account posting on XX/XX/XXXX, that credit should have appeared on my XXXX billing statement for the period between XX/XX/XXXX - XX/XX/XXXX. 

I have had ongoing issues related to unrecognized charged on my statement. Citibank is making matter worse by having incorrect accounting procedures, incorrect billing procedures, or erroneous internal coding causing double charges to appear in my account balance. 

I have included the statement for the period between XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX, you will notice that a " provisional credit '' appears on a statement for which it does not make sense with respect to the date I made the dispute and the statement for which it appears. 

Further, I now see two other charges that did not originally appear on the XXXX statement for the same merchant. There are two {$16.00} charges for travel insurance on XX/XX/XXXX and XX/XX/XXXX, respectively. However, those two tickets were purchased with XXXX XXXX miles and I would not have needed to purchase travel insurance for that type of travel. I have been an XXXX XXXX XXXX member since XXXX and I have had this Citi Advantage card since at least XXXX and I have never purchased travel insurance for a ticket purchased with miles. There is no need to do that! 

When I look at the statements online, I all can see is two charges on XX/XX/XXXX for {$99.00} and a credit that did not appear on the original statement.
Complaint sub-issue: Banking errors

I was shorted XXXX XXXX points on my XX/XX/2017 statement. 

I emailed Citibank XXXX Rewards Customer Service, but NEVER received a reply. 

On XXXX XX/XX/2017, XXXX XXXX from Citibank stated she would respond within 14 days. She NEVER did ... ... 

I was then told by Citibank to contact XXXX. Again, I never received a reply. 

Please explain why I was shorted on my account by return letter to my account address.
Complaint sub-issue: Didn't receive enough information to verify debt

I have contacted XXXX in several occasions to try to rectify this issue and instead they continued to pass the buck around the company and no one would help me and yet this is still negatively reporting in my credit. 

Back in XX/XX/XXXXor XX/XX/XXXX not 100 % sure but i had an account with them i moved and transferred the account. The customer service rep some how created a totally new account for me not informing me of what she did therefore it resulted in a early term fee and some other unpaid fees that i have no clue about. When i contact the creditor EOS as well as XXXX no one can produce the finale bill Nor break down the charges to me. This is why Im bringing it here. I need this off my credit and Im at lost of what to do. My next step i guess is going to small claims court if i can not resolve it here.
Complaint sub-issue: Account information incorrect

AFTER DISPUTE YOU ADDED SAME PAST DUE ACCOUNT ON MY CR TWICE SAME ACCOUNT i HAVE 4 2 WERE DISPUTED YOU ADDED THE SAME 2 SO NOW I HAVE 4 SAME 2 TWICE DONT KNOW HOW TO EXPLAIN TO YOU SO WHY DONT YOU CHECK IT INSTEAD OD ASSUMING SOMEONE DID THIER JOB XXXX CLEARLY THEY DID NOT
Complaint sub-issue: Their investigation did not fix an error on your report

I have two collection accounts listed on my credit report for XXXX XXXX. I have never had an account or contract with this company. This collection account is reporting a past due amount ( not possible because there is no contract and no payment schedule ). They are also reporting a payment history on a collection account that is re-aging this debt. There should be no payment history listed on a collection account.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

On XXXXa company called ZuntaFi said I had a coborrower requesting a payment of {$90.00} to be deducted from my bank account. 
On XX/XX/21 ZuntaFi indicated fake tax documents were ready for me to download serviced at XXXX On XX/XX/21 I have reported this fake company to the local authorities and emailed them back to please stop harassing me
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX XXXX XXXX # XXXX AccounXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX : # XXXX Account XXXX XXXX XXXX # XXXX XXXX  XXXX : XXXX XXXX  XXXX : XXXX Has violated my rights. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Fee problem

I was charged a {$36.00} fee on my account when I put the funds in the same day to cover it! They are crazy with these fees and putting them on your account when they shouldnt be!
Complaint sub-issue: Didn't receive notice of right to dispute

I applied for a mortgage and found an account from XXXX XXXX on my credit. I never got any collection letters from them giving me the right to dispute the debt. So i sent a dispute letter certified mail to them on XX/XX/2018. Never got a response. Than i sent another letter to them again certified on XX/XX/2018. Still never got a response. They think that because i am a XXXX XXXX  living in this country that i do not know my rights or how to enforce them. I am having an attorney review this case to sue them for not doing their legal job and violating my rights.
Complaint sub-issue: Debt was paid

I had an XXXX account that I closed due to my moving. The account was paid in full with XXXX and never went to collections. I checked my consumer report and saw that a debt collection agency reported this false information to my report. I reached out to the collection agency directly by phone to straighten out the false information but they refused to remove it from my report. I asked them for the account number and they didn't have XXXX. They have the last XXXX digits showing on my credit report as XXXX. I have a recording with XXXX stating that they don't work with this debt collection agency and that my account was never sent to collections. 
ACCOUNT # XXXX AMOUNT : {$180.00} Last payment received : {$82.00} on XXXX Date account closed : XXXX Agent Name : XXXX XXXX XXXX # XXXX Agent Department : XXXX XXXX Agent Name : XXXX XXXX I.D . # XXXX XXXX department : XXXX XXXXXXXX XXXX was the first agent I spoke to and gave me the account number, amount, and date of payment. She transferred me to the accounts receivable department and I spoke with XXXX who confirmed everything and informed me that they ( XXXX ) do not work with the debt collection agency.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX is on my credit report this account is not mine. This account was open by someone who stole my identity. I never gave them authority to open any accounts. I called them it goes to voice mail. No live person. I wrote to them asking where is my sign name or photo identification to prove anything. I dont hear back. This is a scam fake. This account came off XXXX XXXX and XXXX. I am fighting with Equifax. Having a hard time. This XXXX XXXX was identity theft
Complaint sub-issue: Credit inquiries on your report that you don't recognize

CREDCO ( Finance ) XX/XX/2021 CREDCO/CREDCO ( Miscellaneous ) XX/XX/2021 XX/XX/2021 CREDCO ( Finance ) XX/XX/2021 These are the same company that credit that pulled my credit in different times with the same company. I am a XXXX they used my information without my knowledge. My score XXXX. It went down under the XXXX. It was a hard pull each time the same company.
Complaint sub-issue: Reporting company used your report improperly

In accordance of the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX 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 15. U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may take any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.