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

URGENT. APPLYING FOR HOME LOAN. CREDIT SCORE IMPACTED BY INACTION. 

XXXX XXXX XXXX XXXX - signed to get approved in order to obtain a XXXX Membership. 
Never activated the XXXX XXXX XXXX XXXX - XXXX charged the membership on the credit card without my knowledge. Therefore, since the card was not activated, I never received : A ) Statements, B ) Emails, C ) Notification of charges. Late fees were charged since XXXX of 2016 without my knowledge. 

I was alerted LAST MONTH in XXXX of these charges when my credit score was pulled to apply for a home loan. I spoke to a representative through XXXX XXXX XXXX XXXXXXXX since I am XXXX XXXX   The representative I spoke to canceled : A ) The Bill, B ) The Late Payments, and C ) Closed the account. This should be as if the 'lateness of a bill ' never existed. I have attached the conversation between myself and the representative. 

Now, over a month later in XXXX, I found out my credit score has dropped even further due to XXXX XXXX XXXX inadequate reporting. It reads 'late ', 'delinquency ', and 'inquiries impacted report '. Questions impacted my credit score? I'm not allowed to ask a question without risking my score dropping? I was assured on XX/XX/XXXX that the issue from XXXX XXXX XXXX would be reported to the credit companies [ XXXX, XXXX, and Equifax XXXX. Obviously, that has not been done correctly. 

I am applying for a home loan and I have to be moved in by the end of XXXX due to my new job. Can you please help me resolve this?
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX US DEP ED : XXXX, USDOE/XXXX : XXXX, US DEP ED : XXXX XXXX US DEP ED : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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: Debt was paid

The account in question is a Macy 's XXXX account ending in XXXX with Citibank. 

This account that seems to be in your office now was previously settled. 
We reached an agreement with Citibank in XXXX of 2018. The letter states that there would be monthly payments of {$740.00} beginning on XX/XX/2018 with a final payment of {$740.00} due XX/XX/18. This is a total of 10 payments, equaling {$7400.00}. 

According to our records, all payments were sent and cleared.. I've attached the screenshot of our system and the proof of payments with check copies as well as the original settlement letter that came in XXXX. 

We believe this is an error by Citibank as this account has been paid. Otherwise, the funds sent over must be returned to us immediately as they would not have been applied to the settlement as they were supposed to. All checks had the client 's name and the last 4 of the account number the funds were supposed to be applied to.
Complaint sub-issue: Frequent or repeated calls

XXXX XXXX financial services continued to contact me at my work place after I repeatedly told them to stop calling. They also have contacted my mother, my ex wife which neither are on the loan. They have sent someone to my house that refused to leave until I call XXXX XXXX, that person drove in my yard and ruined my grass because he said he was to old to see at night. This is considered in my opinion harassment, I have had my loan for over 3 years and have never been 30 days late.I am getting headaches and body aches because of the constant pressure that they are applying. I have never experienced this, I have had over 5 car loans, multiple mortgage loans and no company has treated me in this manner. The representatives are very rude!
Complaint sub-issue: Information belongs to someone else

Back in  XXXX  o f this year I informed the credit bureaus that I received a number of Inquiries over 1 week period that I did not submit. I was told that I must get a letter from each inquirer in order for it to be removed. Well I have in the past week gathered all the letters representing all the inquires and have scanned them in and uploaded them in order to get the Credit reporting agencies to remove the inquiries. I was told by many of them it will take up to 30 days BUT I CAN NOT WAIT. I hope with these letters they can expedite in my behalf and just remove them manually.
Complaint sub-issue: Account information incorrect

I XXXX XXXX obtained a 12-month forbearance on my mortgage from XXXX XXXX XXXX this past XX/XX/2021. I am attaching a copy of the forbearance agreement. My mortgage was supposed to be posted as Current - Never Late under this agreement. I have survived a horrible case of XXXX, and I was entitled to this forbearance. Accordingly, I request the credit reporting agencies to help me obtain the proper credit rating I was granted through the forbearance agreement submitted. 

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

On XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Complaint sub-issue: Can't get other flexible options for repaying your loan

Hello my name is XXXX XXXX and in the past 5 years, I have been diagnosed with XXXX , had XXXX major XXXX, XXXX XXXX XXXX, a broken XXXX and endless physical therapy. 

I got in touch with my student loan lender Nelnet to have my loans forgiven seeing I can't complete the degree I was going for. This started on XX/XX/2018. I was assured by a representative named XXXX that this request was being taken care of since my XXXX  dr. had sent in my XXXX paperwork to them and I'm on permanent XXXX. 

I called to see why the loans were still on my credit report and was told by a smart elic, XXXX that my loans were not in discharge status and I had to reapply. If this was so important then why are my loans just sitting in the forgiveness department not being noticed? I am tired of dealing with this bureaucrat system and want this taken care of as soon as possible. 

XXXX XXXX XXXX
Complaint sub-issue: Transaction was not authorized

I deposited a check issued from XXXX XXXX XXXX  XXXX Ally Bank. The check was declined stating not enough funds in the issuing account. Ally Bank states XXXX XXXX XXXX  needs to fix it. XXXX XXXX XXXX  states they payed out the check. Neither of them will fix it.
Complaint sub-issue: Indicated you were committing crime by not paying debt

On XX/XX/2019 I wrote a check to XXXX and it was cleared through their system that the funds were available, as I was getting a {$3000.00} loan to cover the check that I was writing for {$2500.00}. I attempted to logon to their site to set up a payment plan to settle this, however it didn't work. I then e-mail saying my account was showing invalid. Today, XX/XX/2019, I was called by them, they have been calling me daily about 10 times per day, and I answered. During the conversation I was told that I had to pay the full balance in 48 hours or charges were going to be pressed and I had knowingly written a bad check, however I continually stated this was not that case and I had and could prove I had loan documentation to prove that the money was to be in the account. 

After several back and forth statements, he finally said if I do not make a payment by Tuesday XXXX then I will be reported to the local law officials. 

This is not fair and very threatening as I was not defrauding them.
Complaint sub-issue: Debt is not yours

In 2016 I opened a XXXX Account. XXXX had accidentally opened 2 accounts at the same time. The second account was supposed to be closed and was never activated or used. JEFFERSON CAPITAL SYSTEMS had ( 2 ) collection accounts for the same date range and approximately the same dollar amount. I paid the account that was tied to my phone number. Aftervmultiple disputes JEFFERSON CAPITAL SYSTEMS is still refusing to remove the {$750.00} collection account from my credit report.  XXXX also has no record on file for this account
Complaint sub-issue: Information belongs to someone else

account was never my account and still on my credit report
Complaint sub-issue: Account information incorrect

Incorrect information showing on my credit report. XXXX XXXX  is showing 2 loans on my XXXX XXXX  {$29.00}, XXXX and {$30000.00} with same open dates of XX/XX/2015. I have request that document showing proof of either loan with signatures or picture ID and/or Promissory Note. After several phone calls Neither have been received Nor have these items been removed form my Equifax or XXXX credit reports.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. violated my rights 15 U.S.C 1681 section 602 A.states I have right to privacy. 15 U.S.C 1681 section 604 A sectin 2 It also states a consumer reporting agency can not finish a ccount without my instructions.
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

XXXX XXXX ( XXXX ) from XXXX XXXX XXXX XXXX asked me to push XXXX transactions mentioning its just a temporary hold and the transaction will disappear from statement within 3-5 months. 

It never did and that man stole {$1600.00} from my account. Followed up back on cell phone XXXX XXXX XXXX XXXX says the bank can chargeback and claims that their employee have stole consumer information to further steal money from various people. 

I have opened several cases with Citibank to chargeback but no updates when called, no one chats online, no one gives correct information on call, usually they say they escalated but no response, case is closed usually before receiving the required documents supporting my case. 

Citibank is not giving the investigation papers used in investigation.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

My wife purchase d 2 {$50 0. 00} Visa Prepaid Gift Cards fro   XXXX   XXXX   XXXX   on  XXXX   XXXX ,   XXXX  , costing a total of {$1000.00 } ( {$5.00}  activation fee per card ). My wife provided the  Visa Prepaid gift ca rds to me, and I registered them under my name and address provided. None of the cards ' information was provided to anyone except for when used to make a payment fo r one of my wi fe 's hospital bills paid on  XXXX   XXXX ,   XXXX  . On  XXXX   XXXX ,   XXXX  , there w ere 3 fraudule nt charges detailed in this report.  Two charged tot alling {$480.00} was charged on prepaid card ending  XXXX .  One char ge of {$250.00} was made on card ending  XXXX . Total fraudulent charges is {$740.00}.      Two charg es were made in the city of  XXXX , CA at a  XXXX   XXXX  on  XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX   XXXX   an d one charge  in the city of  XXXX , CA at a   XXXX   XXXX   on  XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX   XXXX   based on online transaction data provided by   XXXX       Someone had prior knowledge of the account # of the prepaid visa gift card and was able to identify when the card was activated as it only took 2 days from day of activation to fraudulent use.     A current dispute has been file w ith US Bank  who issues these visa prepaid gift cards.     Based on a quick google search, there have been many instances of this happening to people who buy the variable load visa prepaid cards from primarily  XXXX  and other supermarkets. The cards are mostly th e black cards wit h purple gift box pictures on the packaging. BUYER BEWARE.     There is a current dispute with  US Bank, the issuer of the visa prepaid c ard, but due to the large amount fraudulently used, I am reaching out to CFPB to expedite the process as I need access to these funds quickly.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are incorrectly reporting me as an Authorized User on XXXX/XXXX partial account number XXXX. ( Please see pages 14 and 15 of the attached credit report. ) I called them and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the ( 3 ) bureaus to fix this issue, but I have not been successful. This negative reporting is harming my credit score and these line items needs to be removed from my credit report.
Complaint sub-issue: Frequent or repeated calls

I 'm called a lot between XXXX and XXXX.. Also, I was hoodwinked when trying to set up a payment plan with XXXX.
Complaint sub-issue: Public record information inaccurate

Involving docket # XXXX reported with all 3 bureaus : Under the new law effective XXXX XXXX, 2017 any  public record data must include name and address as well as SSN and/or DOB in order for it to appear on your credit file. The credit bureaus have not updated or removed the info, even after i verified the courts do not report information to credit bureaus. Per the new law the bankruptcy listed does not include this information and should be deleted from my credit report.
Complaint sub-issue: Received unwanted marketing or advertising

I have received a letter with the letterhead of XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, IA XXXX. Letter states that I had applied to a Credit Card and states that I must call them to verify my identity. It also then states that this is about credit decision and consumer report. The letter asks that I contact Equifax. 
I never applied to a XXXX XXXX credit card. I believe this letter is a Fraud Letter to which I will not answer, nor will I call Equifax. 
I read on the internet that these letters are going out to people with an identical letterhead as that of XXXX XXXX. My concern is that whoever is doing this is obtaining my identity information and could be causing further damage to me and to others.
Complaint sub-issue: Account status

Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I had an Auto Loan with XXXX XXXX that is paid off but showing a balance. I spoke with my Personal financial Consultant on this matter XXXX XXXX XXXX ask me to get a letter from XXXX XXXX showing the balance is " XXXX ''. I like to address the issue with you concerning Equifax reporting tactics on my credit report. This is not a frivolous dispute and the word dispute needs to be removed off my credit report because this is a legitimate case and I will be providing the letter from XXXX XXXX. So, that Equifax can change the balance owed to XXXX and take the word dispute off my credit report.
Complaint sub-issue: Was not notified of investigation status or results

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX/ {$29000.00} / XX/XX/2022
Complaint sub-issue: Personal information incorrect

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I NO LONGER LIVE HERE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX CT XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I  request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

To Whom It May Concern, The reason for my dispute is AFNI XXXX   XXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, AFNI failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationAFNI is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where AFNI is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.AFNI has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Complaint sub-issue: Personal information incorrect

All addresses on my report should be removed except for 2
Complaint sub-issue: Their investigation did not fix an error on your report

n XX/XX/2019, the President shut down the federal government for a month and a half. Because of this I couldn't maintain my mortgage because we didn't get paid 2 checks. XXXX put me on a Forbearance plan until XX/XX/2019. Those missed months will be worked into a Home Modification plan in XX/XX/2019. When XXXX came, XXXX XXXX  took over from XXXX with my account and start the process for Loss Mitigation plan. I was to maintain my $ XXXX monthly payment and try to catch up the {$8000.00} balance from the miss months. I was told that because I'm in this process of sending documents to their underwriters and maintaining my monthly payments. They wouldn't report any 30 day late payments. Well I didn't miss any payments and I just finally paid the entire balance in XX/XX/2019. They are still working on my Loss Mitigation/Home Modification package. Last week, XXXX account report a 30 days late from XXXX XXXX  on my XXXX  and XXXX and dropped my score 64 points. This should be removed based on the information I stated and was told. I'm including documentation.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XX/XX/2021 I noticed that funds were transferred from my XXXX Account to my Cash App-Square Account-XXXX XXXX. These two transfers occurred very close together time wise. I was able to disable the car that was linked to this account. At the time this appeared to be the route to mitigate any possible damages that may occur with unauthorized use of such accounts. On XXXX XXXX I spent nearly 4 hours making phone calls, sending emails, and researching some way to contact the party to whom it is necessary to speak with when such activities are occurring. Some time during this extended time trying to contact said organization, the card was un-disabled. 

It was my hopes in such a frantic attempt to directly communicate with such appropriate persons -- TO MITIGATE ANY AND ALL POSSIBLE LIABILITY associated with this incident. I also attempted to contact appropriate persons via the aforemematioend ways during the following 8 days. I WAS NEVER ABLE TO SPEAK WITH OR DIRECTLY COMMUNICATE WITH ANY SUCH PERSONS. The only option that was avail was to submit issue via the transaction log via the app. No confirmation email was given at such time. I was never followed up with. The case auto closed in 3 days. The resulting funds that were transferred into this account were used through a series of unauthorized transactions that occurred over the next few days. Such authorized transactions have been attached to this complaint. 

Said organization have violated ( but certainly not limited to ) Regulation e andf z of the Electronic Fund Transfer Act and the Truth in Lending Act, respectively. The aforementioned provides a process for such occurances, These processes are such that such institutions MUST FOLLOW them, or otherwise be in violation. Not only did said institutions not follow such processes they did not even give such reasonable access to such processes.