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

Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureau and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureau to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Complaint sub-issue: Received bad information about my loan

I have a loan with XXXX that is serviced by AES. They unexpectedly, without permission, or explanation extended my loan term in order to collect more interest. This is contrary to the contract I signed and, without consent, I believe it is highly illegal. I had to hire a financial adviser in order to figure out what happened as I called them on 2 occasions and was told my loan was recalculated and that in the past I was overpaying. I have attached a loan term from XX/XX/XXXX and XXXX from XX/XX/XXXX that shows the 60 months being added to loan XXXX distributed on XXXX/XXXX/07. Again I did not request this. The excess interest that they are attempting to cheat me out fo is XXXX. I am sorry to keep filing complaints I just desperately need help.
Complaint sub-issue: Debt was paid

End of XXXX of XXXX I cancelled my service with XXXX XXXX to be shut off on XX/XX/XXXX, as I was moving. They said they would send mailing kit so I could send back receiver, it didn't get to me. XX/XX/XXXX asked again for kit never got it. XX/XX/XXXX I talked to XXXX XXXX XXXX for collection. I was told I needed to give back the reciever or pay {$140.00}. I told them I have been waiting for a mailing kit. I was told I could go to a UPS and they would send it for me. I did that in XXXX, MI the return reference # XXXX. XX/XX/XXXX spoke to rep from XXXX XXXX said they had not received anything. They transferred me back to collections to speak with them because at this point it in collections and they couldn't do anything. After speaking with several reps I was told it takes 2 billing cycles to make adjustments. As of XX/XX/XXXX they had no information. XX/XX/XXXX received letter XXXX. XXXX collections, told me they would register a complaint. XXXX XXXX a collection agency sent letter dated XX/XX/XXXX. I was told to file a written complaint. I wrote a letter, sent copies of bill and all collection notices, sent out XX/XX/XXXX. I received a letter from ERC a debt collector dated XX/XX/XXXX, XXXXtrying to collect. I called them and the rep said it was for services rendered not equipment. This is crazy I have been told for all this time it was for a reciever now this agency is telling me something different. I know this is incorrect. I did not owe anything as I had an auto debit come from my account monthly. I had cancelled service early enough so there would not be anything owed. They said they had no record of any calls that I've made or my dispute. But asked if I wanted to pay {$94.00} and they would clear the account. I said absolutely not. I do not know where else to turn. My name on there accounts is XXXX XXXX reference # XXXX as of the last debt collector. My email address is XXXX my address is XXXX XXXX XXXX, XXXX MI XXXX. My hope is that they will recognize my attempts to resolve this matter. Sincerely XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft fraud. A non-close family member used my information to open up credit accounts when I was younger. Upon Checking my credit reports this year, I come to find out that those open accounts were charged off and never paid by the thief. These accounts are now hurting my credit score and hurting me financially to start up my future. The following accounts were the ones affected by identity theft. XXXX # XXXX XXXX  # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX  # XXXX XXXX  of XXXX # XXXX XXXX XXXX XXXX All of these accounts were not open by me and are still on my report. I have attached the FTC identity theft report. DELETE THEM ASAP PLEASE. 

FTC REPORTS # XXXX & # XXXX
Complaint sub-issue: Information belongs to someone else

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX  and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX/XXXX  XXXX {$650.00} XXXX XXXX   XXXX {$0.00}
Complaint sub-issue: Information belongs to someone else

I have talked to Equifax, XXXX, and XXXX  and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. This is really impacting my credit score and personal life. I am a hard worker and trying to purchase a new home. The interest rates are down now due to COVID 19 and I would really like to qualify but can't until this is resolved.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX submitting yet another CFPB complaint to you today regarding the removal of the disputed fraudulent items reporting on my Crediet Report. It appears that my credit has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove these files. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. I need the Credit Bureaus to please comply with the law so this matter can be handled swiftly. I need the following items deleted completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXXXXXX Balance Owed : {$220.00} XXXX  Inquiry Date XX/XX/2021
Complaint sub-issue: Problem with rewards from credit card

I have Citi credit cards with Citibank since XXXX. And XXXX of them was the Citi XXXX XXXX XXXX access more card. I had that card since XXXX and closed it in XX/XX/XXXX since my usage of that card has reduced and there is annual fee associated with the card. 
When I call to close the card, I triple checked specifically if there is any risk for me to lose my points after the card is being closed, and was told no risk since I have couple other citi bank cards that can hold the Citi Thankyou point so I went ahead to close the card instead of downgrade. 
XXXX months later, I lost approximately XXXX Thank you points, which worth approximately {$2800.00}. 
So I contacted Citibank and filed a case with them on XX/XX/XXXX. Followed up on XX/XX/XXXX, XX/XX/XXXX and XXXX times on XX/XX/XXXX. And I get a different XXXX whenever I call and the citi representative was unable to provide anything besides there is no update they have.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

While checking my credit score with XXXX XXXX I noticed my Equifax Credit Score points were down because of a Hard Inquiry generated by XXXX XXXX? I did not authorize XXXX XXXX to run a credit check on me, as I am not interested in there services. Public Utilities should not allow these unauthorized inquiries, in fact, legal steps should be taken against XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Equifax requesting that they correct this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if Equifax chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX  XXXX Date Opened : XX/XX/XXXX Balance : $ XXXXLate/Open Late Dates XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Was not notified of investigation status or results

I applied for a loan from XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/2020 and a credit report was sent to the bank. XXXX sent me a letter, notifying me that my report had some derogatory information on it. They provided instructions to contact the consumer-reporting agency to address any mistakes that I found on my report. I contacted Equifax because Equifax Mortgage Solutions was the agency who reported the information to my bank. I followed their instructions for submitting a dispute on XX/XX/2020. On XX/XX/2020, they sent me a response to my dispute stating they had updated my credit file. On page 3 of the letter sent to me, they state If there has been a change to your credit report based on your dispute, or if you add a consumer statement, you may request that Equifax send an updated report to companies who received your credit report within the last two years for employment purposes, or within the last six months for any other purpose '' ...

XX/XX/2020, I contacted Equifax to have them send an updated report to XXXX so they would have the correct information with the derogatory information removed. I provided the representative from Equifax the confirmation # of my disputed file so she could reference the same information I was referring. She refused to assist me with how to get an updated report sent to XXXX. I requested to speak with a supervisor, for which I waited on hold for 25 minutes before XXXX took my call. This was between XXXX. She was not helpful at all, she was more annoyed that I was insisting that they honor the information they sent me by providing an updated report or helping me get to a section within their company that can assist me further based on the correspondence I received. She stated that it was not their policy to provide reports to businesses ; they only provided them to consumers, thats their policy. She said she could not help me any further. I explained that I understood her policy but what I was asking for was also a part of Equifax policy, because they sent it to me in writing as to what I should know. She said very rudely that her policy wasnt going to change, she wasnt going to continue to talk to me about it, and then she hung up the phone. I contacted the Equifax Mortgage Solutions section, which is the section that sent the actual report to XXXX. They also stated their policy doesnt allow them to send updated reports. She told me I needed to contact the regular Equifax, which is the section that hung up the phone on me.
Complaint sub-issue: Personal information incorrect

I have been unable to access the online dispute services due to server errors and other technical issues. Because of this I have been unable to correct my address that is on my file.
Complaint sub-issue: Account status incorrect

XXXX   XXXX   XXXX   XXXX    continu es to report inaccurate information on my credit reports. Currently they have  XXXX  different accounts reporting on my Equifax report. I 've only had  XXXX  loan with them and the terms they are reporting is incorrect if. Per the Fair Credit Reporting Act, all items that are reporting incorrectly has to be removed.
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. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me from moving forward with my life, so that I may provide for my wife and children. I don't have a home, a car, no credit because of this problem. Please I ask that these fraudulent items be removed.
Complaint sub-issue: Debt was paid

I closed out my account with XXXX XXXX for {$250.00} and a couple years later I get a collection notice that I still owe them. They have since sold the debt to Jefferson Capital ( JEFFCAPSYS ) who, no matter how times I dispute it, refuses to take it off. This was so many years ago, I no longer have the receipt, however, the debt was paid, they refused to close my account otherwise. They require your account to be at {$0.00} before they will close it.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct xxxx XXXX XXXX XXXX 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 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 then records of conviction of crimes which antedates the reports by more then 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.

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 1692c Communication in connection with debt collection 15 U.S.C Acquisition of location information 15 U.S.C 1692b ( 5 ) 15 U.S.C 1692d Harassment or abuse
Complaint sub-issue: Investigation took more than 30 days

I sent disputed to Equifaxfor inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Complaint sub-issue: Didn't receive enough information to verify debt

Discover has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Complaint sub-issue: Was not notified of investigation status or results

I recently put up a copy of my credit report I saw a bunch of inaccuracies on my reports. I immediately reached out to the bureaus about this issue. I have read online that the bureaus have 45 to 60 days to do a investigation and I have waited patiently. I sent my letter dated XXXX I have still not heard anything back from the From the bureaus letting me letting me know that they have even started on my dispute. I believe this information is in accurate and whatever it has not been validated must be deleted according to the FCRA section 611 please Reech to to them and help me I also feel like these companies on my credit report have violated some of my rights 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts These items have cause such trouble in my life I just want them gone Im seeking litigation for a few of the accounts as well
Complaint sub-issue: Their investigation did not fix an error on your report

Response to Equifax Dispute CREDIT FILE : XX/XX/2020. 
I discovered that I have two different credit reports that were created for me : one for my government name and another credit report for my nickname ( the name I go by and sign my name as ) both using my same social security number. Ive been having issues where sometimes the wrong credit report is being pulled where it says I only have 2 closed accounts and not enough credit to have a FICO score. Equifax should only be pulling the credit report where I currently have a XXXX FICO score with 7 open credit accounts. I recently requested, in separate letters with copies of my driver 's license and social security card, with XXXX and Equifax to have all of my information on one credit report. XXXX was easily able to fulfill this request by combining the information on the reports to only have one credit report, but Equifax is choosing to leave it this way by responding : We are unable to combine your multiple credit files due to amount of data in each. This is ridiculous and unacceptable. I SHOULD NOT HAVE TWO DIFFERENT EQUIFAX CREDIT REPORTS USING THE SAME SOCIAL SECURITY NUMBER! ALL MY INFORMATION SHOULD BE ON ONE CREDIT REPORT!
Complaint sub-issue: Account status

I have an Open account with XXXX Collection they account was paid in FULL before I purchased my house in XXXX, I then File Bankruptcy and was discharged of my debt in XXXX XXXX. Equifax continues to report it has an Open Collection which it is not I have contacted them XXXX time to get this close with proof of payment bankrupt discharge etc. They still refuse to close the account.
Complaint sub-issue: Their investigation did not fix an error on your report

'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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 enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the iteams as soon as possible.
Complaint sub-issue: Card was charged for something you did not purchase with the card

As Previously stated, I and my family are the victims of ID Theft, account take over, gift card fraud and payment ( ACH ) fraud that caused bounced payments to my XXXX  and XXXX XXXX XXXX  accounts. Citibank has now closed all of my accounts, where I have been a customer since XXXX ( Home Depot ). This was all made aware to Citi when I returned home from a business trip to XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX where I also provided my itineraries. 

Today, I received a call from a strange phone number XXXX presumed fraudster XXXX # XXXX. The person identified himself as XXXX XXXX and stated he was working to # XXXX fix all of my Citibank accounts and that he noticed that the XXXX  XXXX had {$9000.00} applied to it that was not mine ( Gift card Fraud that I have reported several times ), Citi took them all off from both account, added them back on, removed all again, and then added back on again. Citi has done nothing but be abrasive and abusive, save three manager ( one from Fraud and two from XXXX XXXX XXXX who had already cleared things up. Yet XXXX XXXX didn't have the documentation and though all had been approved by Sr. Management to be removed again, the Credit Management team and XXXX added them back though I am an obvious victim of all the above as stated. This is disgusting since I am not responsible for any of these charges. 

What I showed above ( phone number and name ) of a person that has my personal information that allowed them to access my accounts cause fraud, cause account take overs, cause Identity theft and then therefore caused Citi to add back these charges that did not come from me and are FRUD!!!!! The above phone number and name is another yet another piece of proof that I am a victim of ID Theft, Account Take over, Payment Fraud with ACH bounces and finally account closure because I am being screwed by a fraudster and Citi is allowing to ruin my credit! These actions by Citi are wrong all the way around and I demand this be handled or the next note will be from my attorney with a summons to appear in court!