Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

on XXXX i requested a description of the procedure EQUIFAX used to determine the accuracy and the completeness, including the business name, the address of the furnisher of the information contacted, and something bearing my wet signature to validate the accuracy of these inquries that has been wrongfully placed on my consumer credit report.XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX. this credit reporting agency has violated my rights under FRCA .EQUIFAX HAS STATED THAT THESE WERE INDEED FATS I DEMAND TO KNOW WHAT STEPS THAT WERE TAKEN TO CONCLUDE THAT THESE INQUIRES are FACTUAL..the violation listed are:15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings XXXX ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( b XXXX Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Complaint sub-issue: Problem with customer service

I have been trying to arrange an income based repayment plan since XXXX of this year yet nothing is processed. I continue to get delinquency letters, my interest is piling up, when I call I talk to different people who see that I have applied but no action has been taken. My last contact indicated that I should wait about 3 weeks for a bill to arrive for {$5.00} which I should pay, then my program will start. Nothing is arriving except multiple delinquency notices. I tried to set up direct debit so I could make automatic payments and a notice arrived that the entire past due payment will be taken out of my account! I had to go to my bank to set up an alert so the payment will not be processed.
Complaint sub-issue: Public record

have disputed a bankruptcy on my credit reports, XXXX and XXXX have removed it but for some reason equifax does not remove this inaccurate information from my records.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXXBalance {$0.00} XXXX  XXXXBalance {$0.00} XXXX XXXX  XXXXBalance {$130.00} XXXX  XXXX  ( Original Creditor : XXXX ) XXXXBalance {$1100.00}
Complaint sub-issue: Overdrafts and overdraft fees

On XX/XX/2018 I received a letter from BB & T bank notifying me of a {$20.00} redeposited check that was returned for nonsufficient funds. It was noted that there was NSF/OD fees that were incurred as a result of this chargeback. I immediately called BB & T centralized operations at XXXX. They informed me that my account was assessed {$36.00} as a result of the returned check causing an overdraft. I asked to have the fee reversed, and they agreed. They informed me that I would have to take care of this at the local branch, located at XXXX XXXX XXXX, XXXX PA XXXX. The manager graciously agreed to help, however, in the meantime, the banking system updated and charged an additional fee of {$8.00} for a negative balance for over 7 days. When she tried to correct the charges, it started by reversing the {$8.00} fee that should have been assessed and prevented her from reversing the overdraft fee of {$36.00}. The system, at her level, blocked her from reversing the fees. She notified me, as per company policy, the system would only allow one complimentary reversal per 24 months. The 7 day negative balance fee should not have been assessed due to the fact that it was only day 6. She instructed me to call XXXX. They told me their system would not allow for this correction and refused to correct or escalate the matter.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting incorrectly a collection/charge-off in the amount of {$11000.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page from my credit report attached. ) XXXX  and XXXX  are reporting correctly. This account has a {$0.00} balance and should be reporting as such. This false reporting of a collection/charge-off is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to remove this line item however, I have not been successful.
Complaint sub-issue: Didn't receive enough information to verify debt

I, XXXX XXXX, believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ENHANCED RECOVERY CO L ( ERC ) XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted 9 disputes online and one on the phone. My student loan debit is over years old and was charged off. They recently changed the account status in XXXX preventing me from buying my home. I requested for them to remove the items they have not removed at all and keeps closing my dispute
Complaint sub-issue: Information belongs to someone else

I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. I reached out to the bureaus and company several times and the accounts are still on my credit. 
1. CAC FIN COLL. Date Opened : XX/XX/XXXX. Balance : {$780.00} 2. CAC FINANCIAL CORP. Date Opened : XX/XX/XXXX. Balance : {$850.00} 3. CAC FINANCIAL CORP. Date Opened : XX/XX/XXXX. Balance : {$150.00} 4. CAC FINANCIAL CORP. Date Opened : XX/XX/XXXX. Balance : {$790.00} 5. CAC FINANCIAL CORP. Date Opened : XX/XX/XXXX. Balance : {$740.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass. My credit report has to be 100 percent accurate which is not as you can see double accounts, with advaausale. And XXXX is all wrong.
Complaint sub-issue: Reinserted previously deleted info

I settled on a credit card balance with XXXX XXXX XXXX XXXX XX/XX/XXXX. They claim they sent a report to Equifax to ensure the account would be marked as closed. However, every month since then, for ten months in a row, the credit card has been reported again by XXXX XXXX to Equifax as " open ''. XXXX at Equifax said it was once again reported open on XX/XX/XXXX, four days ago. 

I have received multiple letters from XXXX XXXX claiming they closed this account with Equifax, yet every month they go ahead and report it again to Equifax as open and now " delinquent ''. I have written them multiple times over the last year and continue to this day to receive acknowledgment from XXXX XXXX that the card was indeed closed as of XX/XX/XXXX. Yet they continue to report it as open and now delinquent for ten months ( even though it is actually closed and not delinquent at all. ) I am being materially damaged by this continuing incompetence by XXXX XXXX - not able to get the loans I need for my business because this wrongful reporting continues, and shows me delinquent on this closed card for the last 12 months in a row. 

XXXX XXXX has shown no urgency in resolving what they have readily admitted for ten months that they have done wrong.
Complaint sub-issue: Information belongs to someone else

I have file my taxes XX/XX/2020, after some days I got a letter from the IRS saying that my taxes has been previously filed, when I had not, immediately I realize that my identity had been stolen, then I when ahead and checked my credit discovering a number of account that I have knowledge of. 
I'd like you to help me resolve this issue, Thank you.
Complaint sub-issue: Didn't receive terms that were advertised

I was offered via mail checking account promotion by BB & T for XXXX rewards if I had certain amount of direct deposits. The deposits requirement have been met and continue to be deposited. Account was opened back in mid XX/XX/2018. I asked about my rewards and I was told it takes certain amount of time which has been far past at this time. 

The offer code was XXXX sent to me via mail and I have visited the branch as well pertaining to the issue. I also had email conversation with a bank rep few times with no solution as their marketing is still researching it. I sent my first email on XX/XX/2018 after I had visited the branch and not getting the promised contact with the resolution. Got a response on XX/XX/2018 but no solution. I emailed again on XX/XX/2018 and got a response on the same day stating the market marketing is researching it and I will be informed on the status. I have not received any updates since then so I emailed again on XX/XX/2018 and to this day I have no updates on the issue.
Complaint sub-issue: Investigation took more than 30 days

LexisNexis is furnishing false, manipulative, deceptive letters stating to me ( the consumer ) that LexisNexis has removed items disputed ( Bankruptcy Case # XXXX, XXXX & XXXX from my file however, XXXX & XXXX confirmed that all items furnished on my credit report remained that is furnished from the third party LexisNexis. In addition, XXXX, XXXX & LexisNexis refuse to furnish me updated documentation of my file displaying items disputed were removed Moreover, LexisNexis will NOT furnish documentation that my file is permanent on freeze & suppressed.
Complaint sub-issue: Old information reappears or never goes away

Companies : Eqifax, XXXX & XXXX. These companies continue to list old debts of mine that should NO longer appear on my credit reports due to their age. 

This has made my reports look much worse than they really are ...
Complaint sub-issue: Problem getting your free annual credit report

Attempted to access my consumer report via annualcreditreport.com from all 3 consumer reporting agencies but encountered some issues. Please view error message ( s ) via screenshot attachment. I have rights to the disclosure to me my CONSUMER FILE pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I want a copy of my CONSUMER FILE from XXXX, XXXX, & EQUIFAX. Proper identification is provided.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX, an account with Citibank was sold to a third party company named XXXX XXXX XXXX Account was settle with XXXX XXXX, PAID IN FULL. {$640.00} was the amount paid to settle this account. Citibank is still reporting this account as chargeoff/collections account. I have tried contacting Citibank, who in turn, gives me the run around and different other companies to call. My recent call was on XX/XX/XXXX and once again, I was given the run around, transferred from one department to the next, back to the previous department and so on. I went so far as to contact XXXX XXXX XXXX again in regards to the status of this account. I take great value in my credit and have made my mistakes. I would just like this situation cleared up. I am waiting on a company of the Paid in Full letter to be resent to me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Fraudulent inquiry on my Equifax credit report. Someone used my personal information trying to get something.
Complaint sub-issue: Information belongs to someone else

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$660.00} ; XXXX XXXXXX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and update from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I 've contact the companies that 's in questions I was told to contract the credit bureau.I be contacted the credit bureau several times.I was told its factual it ca n't not be changed to contact the actual companies.Several times the customer representative has hung up the phone one me when I told them the informative was incorrect they were given me.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Im have financial difficulties at the moment and I have been trying to fix my credit and pay off my bills, also trying to refinance my car. please remove any bad reporting on my report. I intention is to pay off my balances. 

Thank you
Complaint sub-issue: Account status incorrect

XXXX XXXX is incorrectly reporting my student loans to all major credit bureaus. I've had a Student loan with them since XXXX. In XXXX of XXXX XXXX XXXX transferred ownership of the loan to XXXX. However, XXXX XXXX has incorrectly reported that my account is " Closed '' " Not in good standing ''. 

I have not missed a payment since XXXX with XXXX XXXX and am being negatively impacted. My 10 year student loan history is inaccurately being reported as 2 months. XXXX has reported the payments i've made over the last 3 months, but do not include any indication that the loan is an existing one prior to XXXX of XXXX. 

I have contacted : XXXX, XXXX  and XXXX  in order to have this updated and the derogatory remark of " Consumer Disputes After Resolution '' removed from my credit history. In addition, XXXX XXXX has not clearly reported account updates to all 4 major credit bureaus.
Complaint sub-issue: Can't decrease my monthly payments

I understand that must repay the loan ( s ). My issue is the monthly amount that I have to pay. I had to take XXXX loans from my 401k to finish paying for my degree as the amount of Federal Aid did not cover XXXX %. The problem is that I am not able to pay the full amount each month because the 401k loan automatically comes out of my check each week. I have been making payments towards my student loans even before they were officially due. In the future, I will be able to pay more towards my student loans once my 401k loan is paid back. I simply do not make enough money to pay the requested amount.
Complaint sub-issue: Investigation took more than 30 days

I sent out a letter To Verify The Accuracy On my Credit Report. They were unable to provide me with a copy of the supporting documentation as proof. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. its been way over 30 days and i have no response.
Complaint sub-issue: Was not notified of investigation status or results

It appears that my credit file has been compromised with Equifax ; Again, I was going over my credit reports & noticed many items that do not belong to me. Since Im a stickler for research, I found under section 605b of the FCRA ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required by law to remove & block any items and information which is found to be opened due to identity theft, Equifax is required to remove any accounts/Inquiries or information no later than 4 business days after the date received. The disputed items do not belong to me. Im attaching the required FTC Report for Equifax and CFPB records ; I sent a letter on XX/XX/2022 ( attached ) to remove accounts and inquiries that is UNKNOWN to me. The law requires Equifax remove the following Fraudulent items listed below : 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... Please see attached verified Notice to Equifax.
Complaint sub-issue: Their investigation did not fix an error on your report

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Amount : {$32000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Complaint sub-issue: Reporting company used your report improperly

was trying to purchase a home and pulled my score. notice some hard inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX  XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX is a company that has recently been placed on my report, the information is inaccurate I have never done business with or XXXX XXXX which is listed as the original creditor.
Complaint sub-issue: Used obscene, profane, or other abusive language

XX/XX/XXXX charge off charge on my back stamens for XXXX I believe XX/XX/XXXX call to set up payment plane of XXXX on XXXX of every mo. Fail to take funds out They called in XXXX adv them unacceptable to pay. 

XX/XX/XXXX revived a call saying I never made payment on this account kept over taking me and they drew getting smart Advised i did make a payment. Was treated very unfair and fining miss information was told they received the account file in XX/XX/XXXX.