Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax is reporting outdated accounts and I have tried on several occasions to close them with no luck. The following accounts should be removed : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX Additionally, there are unauthorized inquiries on my report. Please remove them. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX
Complaint sub-issue: Account status incorrect

Looking at my reports I see that your company is alleging that the accounts attached to this complaint are negative. Your company is furnishing negative information without proof of verification of this debt, or that you have followed all laws and regulations to report. There for you must remove the accounts that are attached this complaint. 
I am aware that reporting information that has not been proven to be accurate is against the law. 
I demand that you provide me with concrete evidence of my obligation to the accounts listed in this complaint. 
Please understand that as a consumer I am aware that negative remarks reporting on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. If you are not able to provide the full reports on how you validated, verified, and how you are in compliance then your must remove the accounts from my credit report. 
Acct 1 beginning with XXXX, Account 2 beginning with XXXX, Account 3 beginning with XXXX, and Account 4 beginning with XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I previously requested that you investigate my Credit File and correct any erroneous information that you may find, But upon checking my Updated Credit Report, I see here that you have done no changes nor updates at all! Let me remind you that according to the XXXX XXXX XXXX XXXX XXXX XXXX  you are required to investigate and update, correct, or remove erroneous information being reported on my XXXX XXXX. You have not complied with the XXXXXXXX XXXX and continued reporting the disputed items as if these are verified. Under the Fair Credit Reporting Act, I request XXXX you to please correct my Credit File by updating or removing the following items off from my Credit Report : XXXXXXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$100.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing this due to non-compliance with the CRA ( Equifax ). I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They are not following E-Oscar and Metro 2 compliance protocols that the FCRA has in place and violating the FCRA. I believe that they are being in non-compliance with the federal law. The company came back and said that the account is accurate but have not produced any documents. I have disputed this item numerous times with inaccurate information being reported. There is no way that this trade line is reporting accurately. I wrote them on XX/XX/2020, along with a copy of my credit report outlining the inaccurate information and they responded on XX/XX/2020 saying that the tradeline is reporting accurately. How can I be 90 days late XXXX XXXX, XXXX XXXX, XXXX XXXX? How can that be? I can not be 90 days late three months in a row. How can I be 120 days late in XXXX. XXXX and then late 60 days late XXXX. XXXX? This can not be accurate. I do not believe that they did a proper investigation in this matter.
Complaint sub-issue: Account status incorrect

The issue is summarized in this letter I am sending to XXXX XXXX via certified mail : Dear Mr. XXXX XXXX XXXX, I appeal to you for resolution of this grievance as satisfaction could not be obtained from your customer service representatives despite much time sacrificed to that cause. 

In the 10 years I have held this home mortgage never has a payment been missed, never late. I have assured this with automatic payments. In XXXX of this year my payment amount increased by {$25.00} due to a tax increase. This incidentally coincided with an extended family vacation. 

Upon return I learned that my on-time XXXX payment had not been credited to my mortgage but instead held in limbo and a {$73.00} late fee applied. All because of this {$25.00} discrepancy. Despite the unfairness of this, I was willing to write it off to unfortunate circumstances, pay the late fee and move on. That is, until I received notification that you had reported my payment Past Due to the credit reporting agencies.

This damage to my creditworthiness with its potentially wide-ranging consequences is unjust and unacceptable. My loan payment was not late. The amount more than covered the principle and interest payments due. The trivial escrow balance in no way justifies this disturbing and damaging course of action by XXXX XXXX. 

I am requesting restitution from you in this matter through 1 ) immediate correction of the derogatory credit reports and 2 ) application of the {$73.00} late fee to my principle balance.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I contacted Citi about an accrued interest charge that hit my account during my financial hardship/mortgage forbearance/car payment deferral- time earlier this year when Covid issues were peaking this year. I had a 70 % loss of income and put my mortgage and car payment on forbearance. Tried to keep up with all my other accounts like this credit card current w/ min payments and put food on the table for my family with the rest until things changed. 

It seems during this crisis a past charge was due other wise accrued interest would hit my account. This put my account with a $ XXXX limit and working down to under {$3500.00} balance at a new balance of {$7000.00} and with that I have been hit with late fees and over the limit while paying the minimum balance or so I thought. 

As soon as I saw this I immediately called Citi to ask for help and that I was trying to maintain all my accounts as they could see but missed the communication about needing to pay that charge off. After much back and forth I had to ask to escalate to executive office where I could speak with someone that could help as the rep said '' oh if you would have called 10 days ago I could have helped you but no Sorry nothing I can do to help. 10 days ago? How could they want to ruin my credit dropped over 60 points when someone wants to pay them money bc of a simple oversight during some very rough times. Now I am racking up late fees and over the limit charges being harassed by phone calls that tell me I am over the limit but when I ask for help and explain my situation there is nothing that could be done. I waited a few months bc I wasn't sure where to turn or if my executive office complaint in which I was originally disconnected was in the works. Please help
Complaint sub-issue: Account terms

I had XXXX credit card accounts with XXXX banks for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported both accounts on my personal income taxes for XX/XX/XXXX and XX/XX/XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, XXXX bank has been given the tax write off but they are still reporting a full balance for both account on my credit report. It should be reported a zero balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a zero balance to the credit bureaus. This would be double dipping for XXXX bank, getting the tax write off and then still collecting the cancelled amount on both accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment.
Complaint sub-issue: Account information incorrect

I have not received a response from the credit bureaus despite several letters, nor have I noticed any modifications to my report. The bad items I've been contesting remain on my credit record. This is obviously a violation of federal law. Credit reporting agencies are required by FCRA 605b to remove/block any accounts included on an identity theft report. I've attached some documents to help with the blocking of the incorrect information on my report. 
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 XXXX
Complaint sub-issue: Account information incorrect

TO WHOM IT MAY CONCERN, I RECEIVED A LETTER IN XX/XX/XXXX FROM THIS COMPANY STATING THAT FOR A REDUCED SUM OF {$310.00} THEY WOULD AGREE TO ACCEPT THIS AMOUNT AS PAYMENT IN FULL FOR THE ACCOUNT BALANCE FOR A COLLECTION ACCOUNT AMOUNT FOR XXXX XXXX XXXX. I CALLED THE COMPANY IN XX/XX/XXXX AND SPOKE WITH A REPRESENTATIVE AND ADVISED HIM THAT I WOULD LIKE TO GO AHEAD AND ACCEPT THE OFFER AS PRESENTED, TO RESOLVE THE COMPLETE ACCOUNT BALANCE FOR THE SUM OF {$310.00} AS AGREED UPON TO SETTLE THE DEBT. THE CUSTOMER SERVICE REPRESENTATIVE COMPLETED A RECORDING OF THE TRANSACTION AND WE AGREED TO PAYMENT TERMS OF THE {$310.00} FROM MY DEBIT CARD.THE PAYMENT WAS PAID DIRECT ON THE DEBIT CARD AND PAYMENT PROCESSED TO THIS COMPANY SUCCESSFULLY. THE COMPANY NEVER COMPLETED THE FINAL TRANSACTION TO DELETE FROM MY CREDIT REPORT AS AGREED ON RECORDING FOR THE SETTLEMENT AMOUNT. WHEN I CONTACTED THIS COMPANY TO FIND OUT WHY THE THREE MAJOR CREDIT BUREAUS ARE REPORTING FROM THEIR COMPANY INACCURATE INFORMATION, BECAUSE THE AGREEMENT WAS AS LONG AS I PAID THE SETTLEMENT AMOUNT THE COMPANY WOULD REMOVE IT FROM MY CREDIT REPORT. I WAS TOLD THEY RECEIVED A LETTER PRESUMABLY FROM ME ADVISING THAT I WAS NOT GOING TO PAY THE DEBT AND THEREFORE THEY CANCELLED THE FINAL PAYMENT SCHEDULED TO COMPLETE ON XX/XX/XXXX. I PERSONALLY NEVER SENT A LETTER TO THIS COMPANY ADVISING THEM THAT I WOULD NOT HONOR THE PAYMENT AS SCHEDULED TO COMPLETE ON XX/XX/XXXX. I NEVER RECEIVED A PHONE CALL OR VOICE MAIL MESSAGE REQUESTING I CONTACT THEM TO DISCUSS THE LETTER THEY RECEIVED FROM SOMEONE AND TO CONFIRM THAT I WAS REFUSING, AFTER INTIALLY AGREEING BY PHONE RECORDING IN XX/XX/XXXX MAKING THE FULL SETTLEMENT AMOUNT AS AGREEED. THIS ERROR BY THIS COMPANY IN NOT PROCESSING THE DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT WHICH THEREBY WOULD HAVE CLEARED THE DEBT I CAN NOT GET A FEDERAL JOB TO SUPPORT MY FAMILY AND TO PURCHASE A HOME. THE Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. THEY CONTINUED TO REPORT THE DEBT TO THE BREAUS ALTHOUGH THEY STATED THEY WOULD REMOVE THE PAID ACCOUNT. I HAVE ASKED FOR A COPY OF THIS LETTER THEY RECEIVED FROM SOMEONE STATING THEY WERE DISPUTING THE DEBT. THE COMPANY FAILED WITH IN THIRTY DAYS TO PROVIDE ME WITH VERIFICATION OF THE DEBT AND TO ADVISE THEY WERE CANCELLING THE AGREEMENT IN PLACE TO RESOLVE THE DEBT UNTIL THE VERIFCATION PROCESS WAS COMPLETE. IF THEY BELIEVED A LETTER WAS FROM ME, THEY STILL SHOULD HAVE REACHED OUT TO ME AFTER TAKING MY PAYMENT AND AGREEING TO REMOVE THE ACCOUNT AFTER THE PAYMENT CLEARED AFTER REIVING A LETTER THEY CLAIM I SENT. I ASKED THE REP TO SEND ME A COPY OF THE LETTER ; I ALSO ASKED IF THE LETTER THEY RECEIVED HAD MY SIGNATURE HE DECLINED TO ANSWER. I WAS TOLD BY THE REP HE WOULD ONLY READ THE LETTER TO ME AND REFUSED TO PROVIDE ME WITH A COPY OF THE LETTER.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Direct express it is constant. I got a brand new card. The only place I used it was at XXXX for cash back. The card charged me XXXX dollars saying from XXXX XXXX XXXX. I never bought anything from XXXX next I was talking to a friend I said I was thinking about getting the XXXX  company to drive my daughter here for her safety the charge came on my card. it is a constant thing. Also direct express altered my statements and my balances are incorrect XXXX On XX/XX/XXXX they froze my account I begged for 10 days for them to unfreeze it they required me to send documents when I couldn't because of the pandemic social security tried talking to them that did not work.. I was forced to beg at the grocery store plarking lot and the customer service person said I can eat after the pandemic in a few months. they then turned my card on and 6 hours later blocked it again. They said I didn't update my email and phone but I did and had been receiving my emails to my new address. in the end I was forced to disclose my court papers and my XXXX kit information for them to allow me access to my account to buy food and medication at the time my foot was XXXX. I begged everyday for 10 days.I know it is because I made a complaint about a bank and they have tarcked me
Complaint sub-issue: Other problem

On XX/XX/XXXX, I accidentally sent a payment to a closed Discovery Card account through a bank transfer. I notified them of this and they issued me a check in refund and deposited it. On XX/XX/XXXX, I revived a statement for the closed account showing a zero balance. On XX/XX/XXXX, I received a statement of {$270.00} balance on the closed account that they were attempting to collect. I have made no purchases on this account since XX/XX/XXXX. I sent a letter to contest the validity of the debt before the end of XX/XX/XXXX and have not received a response as of XX/XX/XXXX.

I received a statement with a {$290.00} balance on XX/XX/XXXX, and they have reported a non-payment to credit reporting bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

To whom it may concern, My name is XXXX XXXX and I'm reaching out to you regarding my auto loan bank. The bank, XXXX XXXX, for my XXXX  XXXX XXXX auto loan did not fix the problem which they created themself in the first place. 
At the beginning XXXX XXXX had issue with my insurance when, in fact, I did have coverage on my vehicle the entire time of the loan. Then XXXX XXXX blocked the access to my online account and didn't cash out the checks I sent via mail for my car payments and put my auto loan into repossession. 
I've tried reaching out to the management of the XXXX XXXX but the representatives told me that the management would not be able to help but told me to buy their insurance for the previous months in order to take my auto loan out of repossession. 
It was very frustrating because for the entire time of my loan I had insurance coverage for my car. This all was happening during the time COVID-19 hit our country and some of my family member were sick which made things even worse. 
I fought with them over a couple of months and they finally admitted that it was a mistake in their system. XXXX XXXX confirmed that I indeed had coverage for the entire time of my auto loan. They rolled back all the extra fees and let me become current on my loan. 
XXXX XXXX, DID NOT FIX MY CREDIT REPORT which they promised to, my credit depleted because of this dispute and I reached out to all credit bureaus and they told me that XXXX XXXX has to fix it on their end. 
Since then 4-5 months passed and XXXX XXXX took no action. It is extremely difficult to reach out to them and in order to fix this problem. 

Would please reach out to XXXX XXXX for their wrongdoing and ruining my credit without fixing it and have them fix my credit report. If you are able to see my credit report, you can see that I was never late on any of my payments. 

Thank you, XXXX XXXX XXXX
Complaint sub-issue: Didn't receive terms that were advertised

A year ago, I received a promo code of {$200.00} bonus and took it to a US Bank branch to open a checking package. Although I completed all the offer requirement, I didn't receive any bonus until now. Since then, several attempts have been made to ask about the missing bonus, I only got very irresponsible answers, such as directing me to the branch, trying to explaining unreasonably " one or more '' or " recurring '', telling that my checking account didn't qualify which wasn't the case. I really want to keep on as a US Bank customer, but just feel so disappointed to see how US Bank has ignored and cheated me. 

Promo details can be found here : https : XXXX
Complaint sub-issue: Public record information inaccurate

Addition to complaint # XXXX Equifax has received several certified mail correspondence disputing the inaccuracies of my alleged public records information. I've requested under the FCRA section 609 ( a ) ( 2 ) to provide the documents used to verify the bankruptcy listed under my name.

I've also requested under FCRA section 611 ( 6 ) ( B ) ( iii ), to describe their procedure used to determine the accuracy and completeness of the information. 
All of my requests have gone unanswered, instead Equifax states that the bankruptcy has been " verified '' and provides the name of their source XXXX. 
In XX/XX/2018, I placed a security freeze on my XXXX records which makes it impossible for any entity other than law enforcement or other government agencies to access personal information listed under my name, ( see attached document ), I also suppressed my personal data with XXXX which would also prevent access to my personal data by any entity other than law enforcement or other government agencies ( see attached documents ). 
For Equifax to state that they have " verified '' my information with XXXX, I have now proven the statement to be a deliberate and will full false statement of fact. 
In addition, the public records data from XXXX does not comply with the National Consumer Assistance Plan ( NCAP ).

Under the National Consumer Assistance Plan ( NCAP ) the public record data must have your name, address, and either your Social Security number or your date of birth. See attached page 9 of XXXX document. 
The data from XXXX only has my name, the other 2 pieces of required information is not listed, how then can it be established and confirmed that I am the filer of the bankruptcy when there are many people with the same 1st and last name? Note : XXXX has 2 social security numbers listed on my report. 
According with the National Consumer Assistance Plan ( NCAP ), the data furnisher of the public record information must visit the applicable courthouse at least once every 90 days to obtain newly filed and updated public records.

The attached public records document ( pg9 ), from XXXX reads " This section contains bankruptcies filed in your name in federal bankruptcy courts. '' it further goes on to state " ... the source last provided information related to the bankruptcy ... '' Here XXXX claims that a " source '' provided information related to the bankruptcy. The " source '' would be the bankruptcy court, I have documented proof that the " source '' has not ever provided information to XXXX, ( see the attached court document dated XX/XX/2018 ). In the court document the first line reads : " Please be advised The United States Bankruptcy Court does not provide information to credit reporting agencies. '' Therefore XXXX is now proven to have falsely and inaccurately reported damaging information in their database, which was then relied upon by Equifax which cite XXXX as their " source. ''
Complaint sub-issue: Other problem getting your report or credit score

When I attempt to access my Equifax credit report online to dispute errors, I am asked a number of questions, which are always inaccurate, so I select none of the above, which results in my being told that the info doesn't match what's on file, hence the need to dispute. Calling the company yielded no help whatsoever. I've requested a hard copy three times and have never received one.
Complaint sub-issue: Didn't receive notice of right to dispute

I checked my credit and saw an account from XXXX XXXX for a balance of {$550.00}. The account is very old and was opened in XXXX but charged off in XXXX. I lost my job and was the victim of a house fire that caused my kids and I to become XXXX. Therefore, I was unable to take care of my monthly bills. I can pay {$200.00} to settle. It has taken some time to fully recover and now COVID19 has caused my employer to furlough my role. I am trying to fix my credit and right some of the wrongs.
Complaint sub-issue: Account status incorrect

My concerns with Discover and their unfair credit reporting processes. 
I paid my account within 30 days ( XXXX and XX/XX/2019 ) and was reported late. 
The account was never late.
Complaint sub-issue: Information is missing that should be on the report

Equifax has violated by rights by not having complete and accurate information for : XXXX XXXX XXXX account number ending XXXX. The 'Date of Last Activity ' is INCOMPLETE.
Complaint sub-issue: Investigation took more than 30 days

on XX/XX/22, I sent a dispute letter to XXXX, XXXX and Equifax asking them to validate three accounts listed on my credit report. I have no knowledge of these accounts. I also requested my the wrong spelling of my name to be corrected. I know the bureaus have 30 days to complete an investigation but it has now been almost 3 months. On XX/XX/22, after no response, I sent another letter letting them know I did not receive a response and to please investigate the inaccurate information, provide me with documentation or remove the items from my credit report. Still no response. On XX/XX/22, I sent a third letter asking to now have all disputed items removed since they have violated my consumer rights not once, but twice.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit with the fair Credit Reporting Act 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 an account without my written instructions.
Complaint sub-issue: Having problems with customer service

I called and tried to get a 6-12 month hardship deferment so that I could try to pay off a credit card. They stated that I have used up all of my deferments. I asked for a interest rate reduction, and the only thing they could offer was a .25 % reduction for auto-pay.
Complaint sub-issue: Account information incorrect

I have been paying on a loan with XXXX XXXX XXXX. I was at the office location in XXXX in XXXX SC and my records were sold to the location on XXXX XXXX XXXX without my consent. My balance was paid down to just over 6,000 and I received a credit alert stating from XX/XX/XXXX to XX/XX/XXXX of this year my balance jumped from {$6100.00} to {$15000.00}. I have not taken out a loan. This was brought to my attention on XX/XX/XXXX and I visited the office on XX/XX/XXXX. I was told that there records showed no such thing. I asked for a master printout and the guy printed out what his work station showed which only showed the last couple of months of payments. He then proceeded to cut off the top of the form that had the company logo on it before giving it to me