Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

Bay Area Credit Service is trying to collect a debt that was paid off almost 3 years ago in XX/XX/2018. My Insurance paid off part of the amount and I paid off the remaining balance to Bay Area Credit. 

They are still trying to collect on a full amount as if my health insurance did not pay anything. I have the receipt from back in XX/XX/2018 when I paid what I owed. As per the EOB ( attached ) the total I was responsible for was the Total ( {$530.00} ) - Provider Discount ( {$190.00} ) = {$340.00} The receipt from them, Bay Area Credit, clearly states I paid it. Yet they have still not taken it off my XXXX  credit report and are also trying to collect the full amount of {$530.00} and not the correct amount after my insurance provider had already paid {$190.00}.
Complaint sub-issue: Account status incorrect

XXXX Reported : XXXX XXXX, 2019 was transferred to XXXX Reported : XXXX XXXX, 2019 which was paid off and closed on XX/XX/2019 but it does not reflect that on my credit report.
Complaint sub-issue: Reporting company used your report improperly

theres a bumch of things on my credit report n XXXX XXXX XXXX is calling lexi nexi amd states something about my medical records have been used which i never gave permission to or even knew and have a ton of issues with my identity
Complaint sub-issue: Card opened as result of identity theft or fraud

Upon receipt of my XXXX Credit report, I discovered a Fraudulent account that was open at Discover Bank ( acct # XXXX XXXX without my knowledge or authorization. This Account was opened as a result of identity theft. Ive subsequently filed a local police report and Federal trade Commission complaint regarding this matter. Ive properly notified Representatives at Discover Bank of this matter and have opened a Dispute requesting that they immediately close this Fraudulent account and to STOP the reporting of this INACCURATE, FRAUDULENT INFORMATION on my XXXX  Credit Report.
Complaint sub-issue: Account status incorrect

- On XX/XX/XXXX, I entered into a settlement agreement with XXXX XXXX XXXX on behalf of their client and my credit card issuer, XXXX XXXX ( see attached letter # 1 ) - On XX/XX/XXXX, I paid the settlement amount in full to XXXX and received notification that the XXXX XXXX account was settled in full ( see attached letter # 2 ) - On XX/XX/XXXX, the amount of the settlement was withdrawn from my bank account via XXXX for XXXX XXXX ( see attached bank statement ) - On XX/XX/XXXX, XXXX XXXX sent me a letter that the account was settled in full and no additional charges were due ( see attached letter ) - On XX/XX/XXXX, XXXX XXXX sent me a 1099 for the amount of debt discharged for the IRS ( see attached form ) - As of XX/XX/XXXX, XXXX XXXX was still reporting to all 3 credit bureaus that I was delinquent on my account and still owed the discharged amount. I then lodged a dispute with Equifax, but was denied ( see dispute attached ) - At this point in time, I have paid off XXXX XXXX, 9 months ago, yet they still report me as owing and being deliquent, thus affecting my credit.
Complaint sub-issue: Was not notified of investigation status or results

My name is XXXX XXXX and I am providing an update to complaint number XXXX I filed against Equifax on XX/XX/XXXX. I filed complaint XXXX demanding a block on the items that came from identity theft on XX/XX/XXXX, and Equifax refused to block the items. It has now been 29 days, well past the 15 days given under 15 U.S.C. 1681i ( 7 ) to produce the descriptions of the procedures used to determine the accuracy and completeness of the information on my credit file.

I have not received a full file disclosure in accordance with 15 USC 1681g or a description of the procedures used in accordance with 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ). Equifax is negligent and is continuing to violate my Federally protected rights by committing aggravated identity theft and racketeering activity for reporting these items to my credit file without my permissible purpose. 

XXXX. Inquiry : XXXX XXXX, XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX. XXXX - XXXX XXXX. XXXXXXXX XXXX - XXXX XXXX Mail # : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was paid

I purchased a XXXX through a company called XXXX XXXX and made initial payments through them. They went out of business so my payments went to the supplier XXXX. They contacted me and indicated that due to my insurance change they needed my updated insurance information, which I provided. I monitored my billing through the XXXX billing portal and it showed a balance due of {$180.00} with a due date of XXXX/XXXX/2015. I paid that in full on XXXX/XXXX/2015 and since that time my account has shown a {$0.00} balance, so I assumed I had paid off the device. I found the item on my credit report in collections even though my account had shown a {$0.00} balance and the company stopped billing me all together. I have several screen shots showing this through XX/XX/2015. I am now being contacted by a collection agency called Alliance One about the debt that was paid and no longer billed by XXXX.
Complaint sub-issue: Reporting company used your report improperly

After reviewing my recent credit Reports XX/XX/XXXX  ; I noticed for the third time deficiencies of reporting and inaccurate information on XXXX and XXXX credit reports in violation of the Fair Credit Reporting Act Section 611 ( 15 USC 1681 I ) 15 USC 1681 section 602 A, Section 604 A Section 2, 15 USC 1681c ( a ) ( 5 ) and 15 USC 1681s 2 ( A ) ( 1 ). 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX is NOT my address ; I never lived there! I have filed an identity theft report regarding this address. ( please see attached ) Additionally I respectfully request a proper investigation of UPDATED XX/XX/XXXX  XXXX XXXX individual account Balance {$3000.00} having no Account number, on XXXX Credit Report. 

I AM NEVER LATE on my verified accounts and I am entitled to 100 % accurate reporting on all my credit reports with the credit bureaus. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reported to companies and please see attached FTC Identity theft report. Im concerned my personal information may have been breached in a data breach. I HERE NOW EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY be REPORTED. SINCERE THANKS FOR YOUR TIME AND ATTENTION.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX checked their database of 4.7 billion publicly breached accounts and my email address ( XXXX ) showed up in 1 data breach. That means my online accounts and personal info may be compromised. XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ), originally incorporated in the state of Wyoming, is no longer in business. In XX/XX/2017 a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP addresses, names and physical addresses all of which was used as part of an enormous spam operation. Once de-duplicated there were 393 million unique email addresses within the exposed data., also I am part of the data breach that occurred with XXXX XXXX , XXXX and the IRS . I am following the advice from the FEDERAL TRADE COMMISSION on filing a complaint. I have contacted the police department, all 3 credit bureaus to make them aware of the Identity Theft and disputed. The Fraudulent addresses were all removed from my report and just recently re-appeared. I have spent a tremendous amount of time and effort in resolving the brutal effects of Identity theft and this is not right. I don't deserve this life of XXXX. I am disputing all of the following information due to be incomplete and inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

As of XX/XX/XXXX I have written XXXX several times to get this issue resolved. They are counting to report duplicate fraudulent accounts. I have been disputing Discover Bank charge for a {$3600.00} account being reported at {$8000.00}. I don't have account number. I have repeatedly disputed this charge for 3 years and it is also contacted each creditor bureau with proof and also contacted Discover several times. Now the account is showing twice on my credit report. I have asked how this information is being verified as I have provided proof that it was not me. This is detrimental to my credit and I have exhausted ways to have it resolved. 

XXXX is also showing a duplicate collection account for XXXX XXXX XXXX XXXX XXXX, for {$190.00} which is also a fraudulent account and I have disputed this charge and it is showing twice. I have contacted XXXX as well as XXXX to verify that this was not me. The car they are referring to being insured is not registered or owned by me and I have never had insurance with this company. Have been fully insured for the last 5 years by XXXX. 

I would also like a resolution with XXXX XXXX. It is showing a charge off account for {$9500.00} I have disputed this charge and also provided documentation of fraud. I have contacted the creditor as well as they have sent it to collection which has resulted in anther negative account for XXXX XXXX for {$9500.00}. I have disputed this collection and have contacted XXXX monthly for the past 2 years. The collection agency has sent it to another collection office of XXXX XXXX XXXX for {$9500.00} as of XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

accordance with the Fair Credit Reporting act XXXX XXXXXXXX Bankruptcy Acct 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 accordance with the Fair Credit Reporting act XXXX Bank Account # 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
Complaint sub-issue: Account status incorrect

Sometime in the Month of XXXX we called Citi Card to see how many Thank You points we had. At that time we were thinking of taking our kids to XXXX XXXX for a night. When we called we were told we had no points available. We requested to be transferred to the correct department for explanation. We were told that due to our delinquency we could not use our points. We informed them that we had not received a bill and that is why no payment had been made. After being transferred 5 or more time we finale were told that we did not receive a mail statement because the account was changed to email statement. 
At NO time did we ever requested our statements to be switched since my husband does not pay the bills ( I pay all of bills via paper ). After hours on the phone they were unable to tell us WHEN or HOW this happened. We requested that the error be corrected before it was to be sent to the credit bureau and to switch us back to mailed statements. After that call we we took all our money off of Citi Card and transferred it to XXXX. It was the most horrible experience. At this time we had sold our home and were living an apartment and we knew we could not have anything on our credit report due to our upcoming house settlement. We were notified on XXXX by our mortgage company that our credit score had dropped over 100 points due to Citi Card reporting one missed payment. Since then we have called and spoken to  several employees who have lied and not documented the conversations. We were told that a letter was being mailed of to us and it never was. The letter was to state that they will be contacting the credit beauru and making the correction to our credit. We called back two days later to see if it was mailed and we were told nothing had been done or documented regarding this request. All our mortgage company needs it this letter so we can settle on our home on XX/XX/24. Due to their error, lies and incorrect and NOT documenting our calls we may lose our home!!!!
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

I received a letter form XXXX XXXX XXXX, they are collecting an account on behalf Citibank NA, the letter is an opportunity to resolve my account for less than the balance owned, the offer is good until XX/XX/2020. I called the collection agency and they informed me Citibank recalled the account from their office. I called Citibank and they couldn't find the account, they just informed me that I should wait for a call from a Law Office. Even when the offer suppose to be good.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I was notified by e-mail and telephone by Citi bank that my card was used for fraudulent charges. They read the list of charges and asked if i made them. I reported the ones I did make and they said the others would be removed. All fraud charges were made in California and we are in PA. They removed all but one fraud charge and that one was  made made on XX/XX/XXXX for {$50.00} to a company called XXXX in California. This is shown on the attached statement. There were three charges to this company by the hackers. Citi removed 2 of them and sent a new credit card with a new number. 

Since then, the {$50.00} charge remains as on XX/XX/XXXX. It is the only balance on the account plus they are charging us interest now on the {$50.00} which they also promised to remove. We have called Citi 8 times, The first XX/XX/XXXX the last on XX/XX/XXXX for 1 hour and 10 min. Each time we called we spoke to at least 3 people. One time they said they needed to send a new card so they sent another one. Each time they said the charge was to removed in 5 days and we are not to pay it. The {$50.00} remains and now they charge interest.. The only response we ever got was the e-mail sent in XX/XX/XXXX as  attached.. We also sent 2 letters to customer service and NEVER got a response. The last letter we sent them is attached. We don't know why they wont remove this charge and why they wont even respond to us. 

They also refused to close the account.
Complaint sub-issue: Debt was result of identity theft

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS XXXX ENHANCED RECOVERY CO  XXXX XXXX ENHANCED RECOVERY CO XXXX XXXX XXXX company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO XXXX XXXX ENHANCED RECOVERY CO XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  XXXX
Complaint sub-issue: Account status incorrect

I filed for Chapter XXXX Bankruptcy in XXXX. My credit cards from XXXX XXXX were included in my bankruptcy. XXXX XXXX & XXXX acquired these former XXXX XXXX credit accounts and converted them to " XXXX XXXX XXXX & XXXX. '' The XXXX XXXX XXXX & XXXX were ALSO included in my bankrutcy. 

XXXX XXXX  & XXXX/XXXX  XXXX XXXX & XXXX continued to collect on this account after my bankruptcy file date and reported the account to Equifax as being " charged-off '' in XX/XX/XXXX. As of XX/XX/XXXX, the account STILL shows a charge-off status on Equifax, instead of " included in Chapter XXXX bankruptcy. '' These actions violate the the automatic stay provision afforded debtors pursuant to Bankruptcy Code 11 U.S. Code 362. I have now disputed the reporting of this account several times, and both XXXX XXXX & XXXX/XXXX XXXX XXXX & XXXX AND Equifax keep verifying their reporting as accurate, and it is not. 

The " charge off '' status of this account is inhibiting my ability to rebuild my credit. The account was included in my bankruptcy, and my credit file should reflect that fact. 

I have attached the dispute results from Equifax regarding this matter ; the results are current as of XX/XX/XXXX. 

I am requesting that XXXX XXXX & XXXX ( XXXX XXXX XXXX & XXXX ) update the account language and descriptors on my Equifax file to read : " included in Chapter XXXX Bankruptcy. '' Thank you.
Complaint sub-issue: Investigation took more than 30 days

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Complaint sub-issue: Account information incorrect

Equifax updated my credit raised my score 117 points after not theorizing since XX/XX/2020 - then days later took another drop 107 for no reason! They are hurting my credit reporting and still showing unauthorized inquires. Also inaccurate account information. Dropping my score after fixing it is ridiculous! Illegal.
Complaint sub-issue: Information belongs to someone else

These are not my accounts nor did I authorize any of these companies to pull my credit.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do a verification of everything on my credit report. They did and stated everything was accurate. However, I did a thorough research and found improper inaccuracies on my report after they did an investigation. 

XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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.
Complaint sub-issue: Problem during payment process

All transactions with Citibank, same credit card. 
In Spring XXXX, I did a 0 % interest balance transfer ( Offer 4 ) expiring XX/XX/XXXX for approximately {$4800.00}. 
In XX/XX/XXXX, I did a 1.9 % interest balance transfer ( Offer 7 )  expiring XX/XX/XXXX for approximately {$2500.00}. 
In order to satisfy the payoff of the XX/XX/XXXX offer, I sent payment in full which was received by Citibank XX/XX/XXXX. 
However, the payment was applied to Offer 7 because payments above minimum are applied to the highest interest rate balances. This only applies to standard purchases as shown in the balance transfer agreement and as was confirmed by the agent I spoke with at Citibank. Excess payments are ( supposed to be ) applied to balance transfers by payoff date. 
Despite this, Citibank refuses to adjust how the payment is applied. 

Making matters worse, if the payment arrived ( late ) on XX/XX/XXXX ( instead of XX/XX/XXXX ), the balance transfer would have been transferred on XXXX by Citibank to Standard Purchases with a much higher associated rate, and my payment would have been then applied properly. In short, by paying my bills ON TIME, I am being penalized!

As a 25+ year customer of Citibank , Im baffled by their complete refusal to make this right, and more frustrated by the call centers hard stop on customer service. Theres ALWAYS someone above you who can review a decision, and its terrible service to refuse to connect a customer with that person. 

The damage to me is loss of use of the XXXX balance transfer with related fees that have already been paid. Additionally, I now am being charged interest on Offer 4, albeit only a few days.