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

To whom it may concern. 

On XXXX XXXX, I sold my vehicle to a company called XXXX. The car that was sold was a XXXX XXXX XXXX XXXX which was financed through XXXX XXXX. After the selling of my vehicle, I noticed that my loan was still showing active with XXXX XXXX. This was a huge red flag. I looked at my other car loan company ( XXXX XXXX ) and saw that my XXXX XXXX XXXX was showing paid off. So, XXXX mistakenly paid off the wrong vehicle. After going through months and months and multiple phone calls and emails I was able to correct the issue and reinstate my loan with XXXX XXXX. Very frustrating process, but I was able to pay off XXXX XXXX XXXX XXXX reinstated my loan stating that I was 90 days past due. This dropped my credit score roughly XXXX Points nearly ruining my credit score. I have sent XXXX XXXXXXXX a Credit Bureau dispute form per their request to fix, but I am uncertain if they will really help given the issues I have had with them. 

My father reached out to me and gave me this web site as a POC to help me with this credit dispute. Please help any way you can please! 

Thank you in advance! 

XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

MRS BPO LLC sent a verification of debt letter that is not sufficient to validate alleged account. I requested a few documents that was never sent. The letter that was sent has a lot of discrepancies and the verification letter that was sent does not reflect whats on my credit report. This account is falsely reporting as the original creditor and not as MRS. MRS also failed to send a letter stating that they owned alleged debt and continuously to report this alleged account to the credit agency and has been reporting this account for a year illegally. This is affecting my credit. If this agency have the right to collect debt, why wasnt I informed?! Isnt this a violation. If this company is obligated to report all accurate information, why are there so many discrepancies on all 3 credit reporting agencies?! This company is in violation. I requested documents and was not given all the proper documentation. I only received a statement and a verification letter from MRS XXXX I have more evidence if needed
Complaint sub-issue: No notice of investigation status/result

Company response indicates the following : Response Credit Plus has received a complaint that you posted in the CFPB complaint database. The complaint is a joint complaint against both XXXX XXXX and Credit Plus. It 's unclear to us as to the nature of the complaint against Credit Plus, so could you please clarify the nature of the dispute, if any, with Credit Plus. 
Sincerely, Credit Plus, Inc. 

Clarification : Credit Plus failed to properly follow it 's own policies as presented to me and my wife. When opting to use the 'rapid rescore ' service we were told that providing proofs of statements showing payoffs would result in a rescore to the model as proposed by Credit Plus without an additional inquiry and the process would take less than a week. 

Instead what happened was that Credit Plus repeatedly claimed that the credit accounts paid were not being confirmed by creditors, even after our own credit reports were showing the accounts paid off and we provided subsequent month ending bank statements. Additionally our credit was pulled repeatedly resulting in our score being lowered. When escalated, the process remained opaque and the process was never explained to us, nor was an adequate escalation resolved when it became clear that Credit Plus was doing much more harm than good. Even though we were following the instructions provided to us. 
This harmed me and my wife in the following ways : 1 ) It robbed us from making an informed decision by either improperly and otherwise failing to disclose the policies/processes of Credit Plus. This may have resulted in us hiring a different lender. 
2 ) This further injured us by resulting in our rate not being locked until the day before closing and resulting in a significantly higher rate than had we locked at the time. 
3 ) Our credit reports were repeatedly dinged resulting in lower credit scores overall despite that we were informed that the process did not involve a hard pull on credit. 

Ultimately, by not providing clear, simple disclosure, we were unable to make an informed decision, and resulted in my wife and I paying a rate approximately 0.40 % higher than had we locked on the first day. Carried over the life of the loan this is a financial loss to us of {$32000.00}. Ultimately we would like this as compensation for being misled so that we can apply this to the balance of our home loan and offset our injury.
Complaint sub-issue: Debt was result of identity theft

I have been a fraud victim were someone has rented a property under my name. I don't know where it was, but a collection agency named Hunter Warfield placed the reference on my credit without validation for the amount of {$13.00}, XXXX. I can 100 % assure that this account does not belong to me. Apparently, the account rental was in another state that is not XXXX  where I have been living since XXXX.
Complaint sub-issue: Credit card company forcing arbitration

1 ) Citi Thank you preferred closed my credit card account with out any notice on XX/XX/XXXX. 

2 ) I reached out to citi credit card they said letter is sent on XX/XX/XXXX specifying reason to close my account. but letter should arrive in 7-10 business days. I am waiting for letter. 

3 ) There were more than XXXX $ in reward programs that card issuer owe me but i asked citi tXXXX XXXX on phone it says my rewards program money is forfeited as they decide to close my card. 

4 ) I have mostly paid all amounts in full and never went overdue for payment. 

5 ) They did not give notice in advanced to forfeit and robbed my XXXX $ money that i was trying to save as my rewards. 

6 ) For communication now card issuer is asking to complain or ask at card service support unit by mail that is so ridiculous in the world of internet. They want me to mail a complaint by letter which is rare. 

7 ) I received letter one month in advanced for checking/savings accounts closing so i could take actions properly and create another account with different bank. But that letter had nothing mentioned about credit card. Also i talked to citi credit card customer services they said closed checking/savings account will not affect to my credit card and i continued using citi card after that too. 

I am outstanding credit user and this is ridiculous from card issuer. I want justice and my money back without affecting my XXXXredit score. I have paid full balance + advanced interest charge too so that nothing can impact my credit score.
Complaint sub-issue: Don't want a card provided by your employer or the government

Someone fraudulently applied for unemployment benefits in my name and now I have received a pin number and debit card from US Bank. I Have tried to notify Unemployment by phone, email, chat and mail. On line the first appointment is XX/XX/2020 which is 19 days away and that is only to chat on line. I am filling out forms for UE Fraud with XXXX XXXX XXXX and through my employer. I have never filed for UE.
Complaint sub-issue: Information belongs to someone else

Equifax is violating my FCRA rights. I have submitted several disputes on some fraudulent accounts on my credit file, and they keep on not doing their jobs properly. I requested for XXXX to delete these fraudulent accounts XXXX XXXX  ( CLOSED ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Account Number XXXX XXXX Account number : XXXX XXXXXXXX XXXX XXXX  ( CLOSED ) Account Number XXXX XXXX XXXX ( CLOSED ) : Account number : XXXX XXXXXXXX XXXX XXXX XXXX  : Account number : XXXX And I was told that these accounts are verified as accurate. I did dispute these accounts directly with the companies and i received a letter saying they are investigating, and I should hear them soon, but somehow the credit betray has already concluded their investigation, and are verifying as accurate. I am using my FCRA section 609 rights to ask for original signed contracts with these accounts, because I know I did not sign a contract with any of these companies. I have mailed a letter regarding this concern to XXXX already, and I am uploading the copies on here as proof. 

These are fraudulent accounts, I XXXX XXXX did not sign any contracts with these companies. I would a fair, and proper investigation done and these accounts deleted right away. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised i am also requesting the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Complaint sub-issue: Account status incorrect

XXXX  Bank  ( same as Total Bank , Inc )  refuses to report my account  XXXX   XXXX   XXXX   XXXX  as settled in full wh ich it was via    XXXX   XXXX   XXXX   XXXX    (   XXXX   XXXX   XXXX  ). I filed dispute with you for  XXXX  and   XXXX   last year.  XXXX  fixed it, but  XXXX  dispute ( #  XXXX  ) produced NO results  (   XXXX    XXXX   ). Since then I have to dispute this with  XXXX  every month as they take this in and out of my report.  Pls review  my previous dispute (  XXXX  ) - THEY ARE THE SCAM! Pls verify with  XXXX   XXXX .    XXXX   XXXX  says that I have another account with them #  XXXX   XXXX   XXXX   XXXX . I do not remember opening that account and I asked them for the proof of ownership. They refused to provide it again, just like with the account above. I asked for dispute of ownership, sent them their papers but they never got back to me. It is also by  Total Card Services,   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , SD,  XXXX  (  XXXX   XXXX   XXXX   ).      PLEASE HELP ME GET RID IF THIS SCAM ARTISTS. I paid off over  XXXX  in credit card debt and it is all clean except these  XXXX  stupid accounts that I am not liable for.   Thank you  XXXX   XXXX
Complaint sub-issue: Was not notified of investigation status or results

Upon reviewing my annual credit report, I noticed an inaccurate item listed under Adverse Accounts. Under the remarks section, my now closed AAdvantage Citi Card reads Chapter XXXX Bankruptcy : Closed by Credit Grantor. I always thought it was odd how this card magically was closed without any notice to me. I did not worry about it since I rarely use and keep it open only to keep my XXXX XXXX Advantage Account active. However, this inaccurate reporting was the catalyst for my recent declination from XXXX for my nephews time sensitive student loan application. On XX/XX/2020, I disputed the information with XXXX  and Citibank. XXXX   provided an email response this week stating " The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account # XXXX The results are : We have verified that this item has been reported correctly. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact : Citicards CBNA, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX SD XXXX Phone : ( XXXX ) XXXX. I have not received a response from Citibank who was able to respond to XXXX. 

Given that I have never filed bankruptcy, it is perplexing to me how Citibank could report this. What's their source? What information did they share with XXXX? 

Citibank has not responded yet and I am reaching out to them again today via letter. How does this happen? It does not make any sense since it is 100 % factually incorrect.
Complaint sub-issue: Information belongs to someone else

FCRA VIOLATIONS : UNLAWFUL INQUIRES
Complaint sub-issue: Overdrafts and overdraft fees

I was charged an overdraft fee for a purchase of {$210.00} initiated on XX/XX/XXXX and posted XX/XX/XXXX. On Tuesday, I also received via direct deposit my tax refund of {$2800.00}. On XX/XX/XXXX I initiated a transaction for {$2000.00}, which posted on XX/XX/XXXX on that same day i was paid around 1,000 dollars. On both  occasions I was assessed an overdraft fee for pending charges and during both times those funds from my transactions was not held/removed from my account on the Citibank app. So when i went to look at my account before i made another transaction I thought I had more money in my account than was actually there. During that week I had pending credits that would cover any " overdraft ''. Citibank charged me two overdraft fees for pending purchases ignoring the pending credits that was on my account.
Complaint sub-issue: Old information reappears or never goes away

Since I am a veteran and it involves the FCRA in a very consumer-focused state, the Offices of Senator XXXX, Attorney General XXXX XXXX ( Governor Elect ) and Governor XXXX XXXX of Maine have all shown an interest in this situation, and most advice seems to lead to the FTC. Thank you in advance for any help provided. 

In addition to many other resulting expenses involving high interest rates on low value credit cards, difficulty getting a good job equal to my experience and education, and the inability to purchase or lease a car, XXXX just denied denied me a credit card because Equifax incorrectly reported my FICO score at XXXX instead of about XXXX as  it should be. All 3 bureaus refuse to repair their database models to fix this obvious problem. They dropped my FICO score by XXXX  in  XX/XX/XXXX by error and say they can't or won't fix it. Either way appears to me to violate the law?! I believe there must be tens of thousands if not hundreds of thousands in this same situation. 

An Equifax supervisor I spoke with admitted to me on the telephone they do and can not not adjust scores when it is proven to them and admitted by the billing entity that it made a mistake even when the original 30 / 60 / and 90 day late and collection in my case are removed at their request.

Today XXXX  reports FICO at XXXX, and XXXX  the same. 

The error was for an emergency room visit In XX/XX/XXXX the Veterans Administration should have paid. My FICO decreased due to one ER room visit that the VA owed as follows : 1. XX/XX/XXXX -7 ( collection-related ) 2. XX/XX/XXXX -XXXX  ( collection ) 3. XX/XX/XXXX -2 ( pre-collection ) 4. XX/XX/XXXX -XXXX. ( 60 days ) 5. XX/XX/XXXX -XXXX ( 30 days ) Total : -XXXX  This is a simple fix to a database program.
Complaint sub-issue: Reporting company used your report improperly

I asked the Credit Bureaus to complete a verification on my credit report. They came back and stated that everything was accurate. Upon doing a investigation my self I found some improper actions myself. 

In accordance with the Fair Credit Reporting act XXXX XXXX  account number XXXX, XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX  XXXX account number XXXX, XXXX account number XXXX has violated my rights. 

15U.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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the list of account inquiries below have violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX Card date XX/XX/XXXX and XX/XX/XXXX XXXX  date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without written consent.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

My account with Equifax was frozen after their data was breached in XXXX. 
Have been trying to unfreeze the account without success, as I have been unable to find my password. In order to prove my identity, I must answer questions like : How much was your monthly payment on the car you purchased in XXXX. Even if I was 20 years younger, I would not be able to answer questions like that. There must be a better way, especially for seniors. 
I hav n't found any way to communicate with a live person.
Complaint sub-issue: Debt is not yours

This company is trying to collect {$180.00} from me for a debt they claim I owe. I have written them several letters since  XXXX    XXXX   demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by (  1  ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have  ( or ever had )  some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized inquiries that I notice on my report. Contacted company to no avail.
Complaint sub-issue: Information belongs to someone else

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-XXXX ) you are required to remove/block any accounts not later than XXXX business days after the XX/XX/2022. Ive already included this report in my previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
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. 

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 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 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: Was not notified of investigation status or results

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : 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.
Complaint sub-issue: Information belongs to someone else

I did not authorize several of the items on my credit report. A list of such inquiries has been included to a Federal Trade Commission FTC report. It's a difficult time, and these phony accounts are making it even more difficult.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent four written request ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) certified to Equifax to VALIDATE a debt ( XXXX ..., XXXX ..., XXXX ... ) that has been placed on my credit file. Equifax has FAILED to validate this request by providing an original consumer contract with my signature on it. According to the FCRA, accounts that are not positively validated by proof must be removed and deleted. Equifax has failed to do this more than four times. Equifax has " said '' that they have verified this debt but has only sent an alleged account history. This is not sufficient and and is a violation by federal law and I fully intend to pursue litigation in accordance with the FCRA to enforce my rights. The accounts need to be validated by original contract or DELETED.
Complaint sub-issue: Information belongs to someone else

Equifax has reported information/ obtained information from companies other than myself without my written consent. No consent is identity theft! 
I did not give Equifax my written consent to do so. Equifax is in violation of the USC LAWS listed below.

Equifax, please send me a copy of my letter that I handwritten and gave you my permission.

15 U.S. code 1681b 15 U.S. code 1611 18 U.S. code 1028 ( a ) 7.

18 U.S. code 1028 ( a )
Complaint sub-issue: Debt was result of identity theft

On XX/XX/XXXX, I checked my credit scores, as I usually do on XXXX XXXX. On my XXXX  score, it showed a decrease of 35 points. The Enhanced Recovery Company, formally XXXX XXXX XXXX, says I owe them {$1100.00}. I have never in my life, had any connection with them. The comments stated on my report states that the account was opened XX/XX/2020. I'm requesting that this error be taken off of my credit report as I have had no affiliation with this company as an entirety.
Complaint sub-issue: Debt is not yours

Debt validation letter XXXX XX/XX/2021 Name : XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Company name : I.C. SYSTEM.INC Collection opened : XXXX XXXX Collection amount : {$780.00} RE : Account # XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the alleged debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Best regard XXXX XXXX :
Complaint sub-issue: Received bad information about your loan

Fedloan servicing has reopened my student loans after 10years under their proposed repayment plan which I completed in full with the rest of my debt forgiven. They put me in default and forced me into another payment arrangement plan in XXXX. As of XX/XX/XXXX I had my student loan interest put into forbearance under the CARES Act. Fedloan then inaccurately reported my student loan debt as deferred rather than lawfully paused, causing an 87 point decline in my credit score. I have contacted them multiple times regarding the inaccurate information and they refused to correct the remarks repeatedly. I have submitted disputes with all three credit reporting bureaus and each time Fedloan flat out refused to correct the error.