Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I contacted equifax on incorrect reporting with my credit report, as to my prevail I followed the steps and chains for having the hard inquiries on my credit report removed. I have only two that I ran my credit with. The  companies that had my permission to run my credit is XXXX XXXX and XXXX XXXX XXXX. I have reached out on numerous occasions and no help. This is hurting my credit bad and Equifax fails to properly investigate these matter.
Complaint sub-issue: Their investigation did not fix an error on your report

My dispute is against XXXX and Equifax. 

On, XX/XX/XXXX I took out 2 student loans with XXXX. 
According to Federal code 10 years is how long good credit should be reported on, as long as there are no derogatories or late payments. 

During my loan repayment period, with XXXX, I was never late and certainly no derogatories. 
XXXX reported " Excellent payment History '' on all 3 reporting credit agencies reports of mine. 
XXXX and Equifax both are improperly reporting XXXX. I have even won this dispute with both of them as I did with XXXX and they reported on it properly and have since my first dispute. 

I have contacted both creditors and disputed this repeatedly since XX/XX/XXXX, in preparation for my home loan. 
The reporting agencies have stopped reporting on my " good credit '' the bureau 's even though it is on my credit report and required by federal law to be reported on if it is listed until it is removed, are not utilizing the fact that I have paid on these loans for 240 months. My credit is suffering because they are failing to report properly. On my credit report Equifax and XXXX state : " there are few accounts paid on time '' and " no former loan activity. '' My XXXX student installment loan, under the title, " status '', my student loans are labeled " CLOSED. '' Proper labeling under Federal code says revolving credit should be labelled " CLOSED '' on credit cards or other types of revolving credit but not on installment loans. Proper verbage for installment loans under " status '' when paid in full and closed, ( like my loans ) should read, " paid in full '' or simply " paid ''. 
The improper reporting is causing conflicts with my loan since they have the wrong label it looks as if I can still use the account but it's closed and/or the loan is not paid in full. 

I have begged, cried and pleaded, sent proper information, spoke to managers and supervisors, called the XXXX XXXX XXXX to no avail. 
As per the bureaus inaccurate reporting, " few accounts paid on time, " no loan activity '' and, " high credit usage '' my credit and myself are greatly suffering. 

I'm terrified, I'm not going to get a home. The bureaus lack of action has cost me tons of money a higher interest rate a lot of stress no sleep and I suffer from XXXX XXXX so I'm very sick from this whole situation I'm on XXXX and I don't have a lot of money I don't know what to do anymore I've worked so hard to make sure my credit is in good standing and for something as small as verbage to be ruining it is very disheartening. 
The " open account '' as the bureaus are listing my accounts are effect my DTI. 

I am in the mist of a student loan I've already had to do this once because of this wrongful reporting and now, at a lower credit score and in result of that a lower interest rate ... the lender are going to run my credit again. 

Anything you can do to help me would greatly appreciated. 
Time is of the utmost importance. 

Thank you very much XXXX XXXX
Complaint sub-issue: Debt was paid

I recently received a letter and calls from XXXX XXXX trying to collect on two debts- HomeDepot ( CITI ) {$1400.00} and XXXX XXXX ( XXXX XXXX ) {$1000.00}. I tried to explain that I had paid the Homedepot account XX/XX/XXXX but they informed me that they have no records and I have to pay and offered 10 % off both accounts if I decide to Settle. I went ahead and set up payment arrangement and they're to take {$25.00} per account the month of XX/XX/XXXX and starting XXXX, {$100.00} each. After I had set up the payments I found the receipt of the settlement agreement for CITI-HomeDepot of the cashiers check. I need this to be corrected and removed from my credit.
Complaint sub-issue: Attempted to collect wrong amount

I sent a Account Validation letter to Hunter Warfield and it was received in there office on XX/XX/2020. Hunter Warfield is reporting a debt on my credit report and they keep reporting that the balance increase by {$1.00} and then decrease by {$1.00}. They are blatantly attempting to re-age this account and keep it on my credit reports and this is a clear violation under the FDCPA. The information they sent me is not showing where this is my account. That is not an address that I am aware of residing.
Complaint sub-issue: Debt was result of identity theft

CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO IDENTITY THEFT APPEARED ON MY EQUIFAX CREDIT REPORT. WERE DISPUTED XX/XX/18 EQUIFAX DID NOT REMOVE IT. THAT IS A SERIOUS VIOLATION.
Complaint sub-issue: You never received your bill or did not know a payment was due

My corporate credit card is with Citibank. I lost my card around the end of XX/XX/XXXX. I was sent a new card. Since then I haven't been able to get an online statement or look at my charges. I've talked to Customer Service at least ten times and have spent hours on the phone trying to resolve this and set up new user names and passwords, but none of them have worked.
Complaint sub-issue: Information belongs to someone else

I sent a letter to Equifax to remove this Charge-off Account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Equifax are required to remove any accounts or information not later than 4 business days after the date of receipt. Please remove this account immediately : XXXX XXXX XXXX XXXX Balance : {$590.00}
Complaint sub-issue: Account information incorrect

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as latte for any purpose.
Complaint sub-issue: Information belongs to someone else

THESE ACCOUNTS LISTED ON THE ATTACHMENT ARE FRAUDULENT AND NEED TO BE REMOVED ASAP.
Complaint sub-issue: Investigation took more than 30 days

I filed some disputes with Equifax, XXXX XXXX XXXX. They didn't reply in 30 days.
Complaint sub-issue: Can't temporarily delay making payments

Back in  XXXX  my loan was paid in full to  XXXX   XXXX , then in  XXXX  and  XXXX  receive mail that my loan is in default and have transfer to another servicer that they claim I sign off. But they ask me to send them a letter stating my loan has been paid in full, I did. During that time my taxes was garnish and was return back to me. Back in  XXXX  I file bankruptcy due to hardship hv been going through. I call the servicer to let them no my situation that am partial homeless and do n't have a place of my own and stay with different family and friends as allow, I even told them about the student loan have been paid in full, but the insist that I own them a balance, that   XXXX    XXXX  transfer my loan to them. Now my cousin that I was staying with back in  XXXX  told me that I hv mail from student loan. To my surprise my loan has been transfer to perform ant recovery, inc. I contact them and explain my situation but I was told that my servicer  EDUCATIONAL CREDIT MANAGEMENT CORP  IS THE NEW SERVICER. They gave me their phone number, I called them and let them know my situation and told them the loan has been paid in full. They gave me email address of  customerservise@ecmc.org . and  XXXX   XXXX   XXXX  of  XXXX   XXXX   XXXX   XXXX ,  XXXX , MN  XXXX . Isent them a brief letter of what am going through and that my loan has been paid in full. I call spoke to different people even spoke to supervisor that okay u will still try to pay them since I ca n't find my paid in full letter because of my homeless situation, I told them I have lost everything, all my document and personal belonging can not be found but instead of the loan servicer giving me problem, I will like to pay them again if they will delay my loan till I found good job. But they refuse that I have to go and work with the collection agency fo r 9month th en my loan will not be in default then they can work with me. I told the I will like to put my loan in defarement they refuse, I have exhurst everything to work with me bcos of my situation but they will not listen to me or even consider m y situation.. Loan servicer. EDUCATIONAL CREDIT MANAGEMENT CORP. My   XXXX     XXXX  loan number is   XXXX    XXXX . The lender fiscal address is  XXXX  south  XXXX   XXXX ,   XXXX     XXXX .  XXXX , MN,  XXXX . Phone number is  XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inquiries that I did not authorize are showing on my report.
Complaint sub-issue: Information belongs to someone else

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opend : XX/XX/XXXX Balance : {$8800.0XXXX XXXX XXXX XXXX  ) XXXX Date opened XX/XX/XXXX Balance {$24.00} XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX.
Complaint sub-issue: Frequent or repeated calls

XXXX XXXX had a prior collection account with XXXX XXXX XXXX for attorney fees that was then transferred to XXXX XXXX XXXX. Payment arrangements had been set up with XXXX XXXX including an agreement to hold interest. The account was then sold, when the original debt collection agency went out of business, without our knowledge. We had no idea who XXXX XXXX XXXX was or that they had assumed responsibility for the debt. Prior to their communications, a check in the amount of {$1000.00} was sent to and cashed by XXXX XXXX XXXX. 

XXXX XXXX XXXX has now contacted us on multiple occasions. Their most recent communications include contacting XXXX XXXX at XXXX on the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and three times on XX/XX/XXXX. During each of these phone calls and voice mails they failed to notify us that this was an attempt to collect a debt. When returning their call to learn more about why they were contacting us, we became aware that an additional {$600.00} had been added on in " interest and fees ''. The gentleman on the phone stated he was " doing us a favor '' by applying our {$1000.00} payment to principal. We asked for an explanation regarding how the additional fees had been assessed stating that they could not just add fees without justification. The gentleman on the phone at that time stated " Actually we can and we will ''. We asked XXXX XXXX XXXX how we could arrange to pay on the account, what they were willing to do to work with us, and were told that we would have to make them an offer, then they would decide if they would accept. 

They failed to notify us in writing of the debt until XX/XX/XXXX. Further, on their statement they allege that the last payment received was XX/XX/XXXX although multiple payments have been made since XX/XX/XXXX.
Complaint sub-issue: Account status incorrect

Student loans are showing incorrect status. Status was supposed to update to show a positive status per telecon with XXXX.
Complaint sub-issue: Information belongs to someone else

someone opened a fraudulent account with XXXX in my name, XXXX cleared me in XX/XX/2017 and contacted the credit agencies, Equifax has yet to clear it, even after being contacted by XXXX twice.
Complaint sub-issue: Information is missing that should be on the report

I've submitted proper documents stating that I was the victim of Identity Theft. Nothing has been done.
Complaint sub-issue: Didn't receive enough information to verify debt

I received a letter from ERC ( debt collector ) dated XX/XX/2019 for {$410.00} about an an XXXX XXXX Credit Card ( XXXX XXXX  ) for an account that I closed more than 2 years ago. I never received any communication about me owing money and this was the first communication on the topic. I paid right away as I didn't want my credit score to suffer. 

First, this is a charge that I didn't owe. Second, I need this to not impact my credit score.
Complaint sub-issue: Debt was paid

This account was closed with a XXXXXXXX balance Balance with the original creditor and acceptance rental {$2000.00} original balance XX/XX/2017 now Vance and Huffman is trying to collect {$4400.00} I have been caused much anguish over this situation which I thought was solved years ago I am XXXX and this is affecting me getting housing and other things that could help me I would like for this info to be removed from my credit report and for these people to stop harassing me.I also filed a complaint with the XXXX
Complaint sub-issue: Information belongs to someone else

i recently pulled my credit report and noticed accounts & inquiries that did not belong to me
Complaint sub-issue: Reporting company used your report improperly

I sent in a request to Equifax asking them to delete a medical collection debt because I never had any knowledge of this account and any medical services that are rendered to me I sign a HIPAA of 1996 notice which does not allow any release of any medical information or medical account information. This form states that my medical information or medical account information should only be discussed with the person that I have given access. I have never given XXXX access to my medical information or medical account information. Equifax is in direct violation of this federal law and I am requesting the debt to be deleted immediately from my credit file. XXXX did not get any permission from me to access any medical information or medical account information.
Complaint sub-issue: Received bad information about your loan

I contacted Fedloan Servicing after noticing that according to my statements, none of my payments have been credited towards the PSLF program. This has been going for about the past 6 months or so. Fedloan Servicing says they have applied payments, despite there being record of doing so.

Also, about three weeks ago I faxed in my PSLF form to renew/verify my employment status does qualify under the PSLF program. However FedLoan Service recently sent me a message that stated my Employment is Not Certified for PSLF.

I've tried logging into my account, however I keep getting an error message that I've been logged out of my account. I've tried resetting the username and password, but I continue to get the same error message.
Complaint sub-issue: Debt is not yours

I, am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course. i only participates in credit transactions for family, personal and household purposes 15 1692a. CKS FINANACIAL violated 15 U.S. Code 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Validation of the debt XXXX an XXXX XXXX pursuant to XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

i have tried multiple times to ask for verification of debt on this account which should of been removed from my credit report. because it should of pass the statue of limitation. 
I haven't heard back from this company.
Complaint sub-issue: Debt is not yours

Had my credit ran to obtain car loan XX/XX/22 and a XXXX debt appeared on my credit report. I do not have a XXXX account or debt. My cellphone has been provided through my employers for past 18 years. I have filed a dispute with XXXX. XXXX is down for maintenance. XXXX wants money for credit monitoring. I just want this fraudulent report off my credit report.
Complaint sub-issue: Old information reappears or never goes away

I obtained a copy of my credit report and noticed that the Consumer Reporting Agencies are reporting inaccurate information to my personal information section. My Driver License, SSN Card, and Proof of Residence has been mailed in for proof. I should only have one name, address, phone number and employer in each section. Please have them update my information.
Complaint sub-issue: Information belongs to someone else

I am writing this due to non-compliance with Equifax, XXXX  & XXXX. These companies have failed to remove information that was affiliated with personal details that were challenged in the past. Its my belief that they are in violation of the FCRA and are outright refusing to uphold the law.
Complaint sub-issue: Information is missing that should be on the report

MACYS/DSNB is reaging their account on my credit report by reporting 52 charge offs, the most recent as on XX/XX/2020 this is a violation of the FCRA and very damaging to my credit worthiness.
Complaint sub-issue: Debt was paid

Last XX/XX/XXXX, I wrote a letter to XXXX XXXX with regards to accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I sent them a check as payment for these accounts and clearly, " CONDITIONS ARE WRITTEN AT THE BACK ''. It clearly states that 'THEY CAN ONLY CASH THE CHECK IF THEY AGREE TO DELETE ALL THE ACCOUNTS THEY REPORTED TO THE BUREAUS ''. XXXX XXXX CASHED THE CHECK, which means THEY AGREED WITH THE CONDITIONS. They are in violation of the VIOLATION OF CALIFORNIA CIVIL CODE and BREACH OF CONTRACT/AGREEMENT. This is my last resort before I take a step further and get a legal counsel involve. I am also filling
Complaint sub-issue: Their investigation did not fix an error on your report

The Statute of limitations to collect the debt based upon FTC Law and Federal Truth In Credit Reporting Act has expired for XXXX XXXX XXXX and XXXX XXXX Bank has expired as when the last payment was made on each accounts. In addition, the original XXXX XXXX XXXX original contract was void/and or null as terminated. Do not owed any money and continue to illegally report as late and past due as a negligence with failure of due diligence law. XXXX XXXX Bank offered a additional settlement offered as a compensation which they have also failed to honor under a legally bonded class action. Continue to report incorrect information. The six years requirement is met.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX Nc XXXX XXXX XXXX XXXX Companies Names XXXX XXXX Equifax Amount of debt : XXXX Date of Service : XX/XX/2019 Provider of Service : XXXX XXXX XXXX Dear XXXX agent, I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

This debt has been included in the Bankruptcy but this company has violated the FCRA rule and for an automatic stay of this account in my credit report. This should be removed in my credit report immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$10000.00} Date opened XX/XX/2018 XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$4200.00} Date opened XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} Date opened XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4200.00} Date opened XX/XX/2018 ; XXXXXXXX XXXX XXXX XXXX Balance {$4200.00} Date opened XX/XX/2018 ; XXXXXXXX XXXX XXXX  XXXX Balance {$10000.00} Date opened XX/XX/2018 2018
Complaint sub-issue: Didn't receive terms that were advertised

A checking as well as a savings account was opened with Citi bank on XX/XX/2018. As part of opening the checking account, a bonus of {$400.00} was advertised provided certain conditions were met with the account. These terms were as follows : Opening as checking and savings account with Citi, depositing {$15000.00} to the checking account and maintain a minimum balance of {$15000.00} in the account for sixty ( 60 ) consecutive calendar days. The {$400.00} bonus would then be deposited to the account within 90 days of meeting these requirements. 

On XX/XX/2018 a deposit of {$15000.00} was deposited to the checking account. A balance of {$15000.00} was maintained in this account until XX/XX/2018 when {$5000.00} was transferred from the account. 

Per the terms of opening the account, the {$400.00} bonus was required to post by XX/XX/2018. This did not occur. Citibank was contacted on XX/XX/2018 to determine the delay of the bonus being credited to the account. Case number XXXX was entered into Citibank system on XX/XX/2018, but there was no further communication on progress of the term violation or resolution ( crediting the bonus to the account ). As of XX/XX/2018, the bonus still has not been credited to the account. Overall, Citibank has violated the terms set when the account was opened and has not acted on resolving this issue within a reasonable amount of time.