Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Ran the Equifax report on XX/XX/15 and came across another name " XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX associated with my account, along with XXXX auto loans, XXXX from XXXX XXXX  XXXX XXXX. Already filed a police report, disputed the accounts, and contacted the banks. These charges are only reported through this credit reporting agency.
Complaint sub-issue: Debt is not mine

I have spoken with both XXXX ( where the alleged debt came about supposedly starting in spring 2014 ) and Enhanced Recovery Company and XXXX say I do not have a debt with them, nor can they find an account in their system, yet they continue to keep a debt in collections on my credit report after repeated requests to remove it ( and assurances that it would be done ). 

When speaking with XXXX, they are adamant that I have no account with an outstanding balance nor have I ever. My husband has the cellphone bill in his name ... .with a completely different company. 

When I called Enhanced Recovery Company the representative searched and could find no record of an account for me, yet they refuse to remove this fraudulent and completely false record from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent my 3rd letter to XX/XX/2022 as well as filed an official complaint with the Consumer Financial Protection Bureau. I told credit bureaus to investigate every piece of information on the accounts that I have listed below. 
According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge of concerning such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer. 
They stated that my account was verified but how is this possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are STILL not reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. 
Accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

This complaint is to inform the CFPB that Equifax is reporting a duplicate account on my credit file. XXXX XXXX account XXXX purchased this account from ThXXXX XXXX XXXX XXXX  and re-agreed the account by four and a half years from the original date.

Reporting two of the same account is a violation. According to the FCRA. And these accounts must be removed from my credit file immediately, Furnisher Duties of Accuracy Under the Fair Credit Reporting Act The stated purpose of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, et seq., is to require consumer reporting agencies ( CRAs ) to adopt reasonable procedures to meet the needs for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer with respect to the " confidentiality, accuracy, relevancy, and proper utilization '' of such information. The FCRA protects both the privacy of consumer information and sets restrictions not only on CRAs, but also on furnishers and users of reported information to ensure such information is as accurate as possible. This company has repeatedly violated my rights in this regard. But not conducting a proper investigation.
Complaint sub-issue: Problem using a debit or ATM card

There are two parts to this issue. 1st : Fraud on my bank account while I was hospitalized. The bank had sent me a new debit card & it was stolen from my mail box. Whoever, also scanned in fraudulent checks for deposit & then used that money to run my card. All fraud activity was done onXX/XX/XXXX & XXXX, XX/XX/XXXX on my debit card ending in : XXXX. The total including overdraft charges equaled {$780.00}. That amount was deducted from my S.S. direct deposit of {$1000.00} on XX/XX/XXXXleaving {$260.00} cash of MY funds. 2nd : Seeing that the {$780.00} had cleared, I used the NEW debit card, ( ending in XXXX ) the bank sent me when I reported the fraud to pay my phone bill of {$32.00} on XX/XX/XXXX. The XXXX was withdrawn on MY funds yet on XX/XX/XXXX the bank reversed that charge. The bank had made an error, including that charge in the fraud case. The person I talked to said that they had a right to recover their provisional credit? XX/XX/XXXX they deducted that amount from my acct. & so my acct went into OD again..now I am in collections for $ XXXX- all OD charges because of their error! They said that I either initiated, took part in or benefited from the original fraudulent activity! I most certainly did not! I am XXXX yrs and in bad health. I need my S.S. I have a mountain of paperwork and I cooperated with their requests. Can you help me get out of collections and get the money they took from me? Thank you.
Complaint sub-issue: Account status incorrect

On XX/XX/2021 at approximately XXXX, I made my monthly payment of {$580.00}. At the time of my payment, my account was 29 days past due. Once my payment was processed, XXXX listed my date as XX/XX/2021 on my confirmation receipt. They used this deceptive tactic and incorrect date in order to place a " 30 days '' late on my and the co-signer 's credit report files with XXXX, XXXX, and Equifax. 

This incorrect information caused BOTH credit scores to drop drastically and has had a NEGAVTIVE impacts our credit reports.
Complaint sub-issue: Account information incorrect

Complaint is regarding to Citibank unlawful report on discrepancy shown in my XXXX  credit portfolio of my husband Macys/DSNB credit card Account No : XXXX, Address ID : XXXX that I was only an authorized signer without being responsible toward it. Further, said account reported by Macys/DSNB and/or Citi bank Collection Dept on XX/XX/XXXX, exceeding over seven years reporting period. Pursuant to the agencies ruling policy it must be also deleted by XXXX, as done by other agencies. 

This account Owned by my husband XXXX XXXX, Birth XX/XX/XXXX & SSA # ending XXXX. I was an authorized signer and not the Owner or Cosigner. As an authorized signer who I never used this card to the best of my recollection, I am not responsible toward this account. XXXX  and Citibank presumed an unlawful action by registering triple times of my husbands store credit card as a Discrepancy on my credit portfolio that all must be deleted. 

Due to medical disorder my husband contacted Citibank recovery Dept & spoken with Citibanks manager, Ms. XXXX ( KY ), at ( XXXX ) XXXX. She removed XXXX  & XXXX, but XXXX  still pending for deletion. It caused for not being able obtaining loan and refinance high interest mortgage due to negative collection report. Further, I hereby elected my husband XXXX XXXX as an authorized person to act in my behalf with full Power of Attorney ( PO ) without any Limitation. 

I kindly requested for deletion of Discrepancy by Citibanks order to be performed by XXXX  is kindly requested urgently. Your truly- XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/2021 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer application, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Complaint sub-issue: Card opened as result of identity theft or fraud

I recently received a Citibank credit card in the mail that I never applied for. Today I received a notification via personal email that I had a current balance on this card of {$7400.00}. I NEVER APPLIED FOR THIS CREDIT CARD, NOR WAS THE CARD I RECEIVED IN THE MAIL EVER ACTIVATED.
Complaint sub-issue: Their investigation did not fix an error on your report

I am including a letter which best describes all of the mistakes on my credit file
Complaint sub-issue: Account status incorrect

That company equifax never delete this account of my credit report after 1 year of dispute. 

The collection company maked a credit violation on X/XX/2017. 

The case number was Case # Debt Collector Original Creditor Balance Violation Type Open Date Status XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX Letter XX/XX/17
Complaint sub-issue: Don't agree with fees charged

Complaint against Business Name : AES American Education Services Address : XXXX XXXX City : XXXX State : XXXX Zip : XXXX Telephone Number:XXXX I took out a parent plus school loan for my son in 2006. 
Currently the loan is held by AES. 

The original amount was XXXX at 7.750 % interest rate. 
My current loan balance on the most recent statement is XXXX Total Interest satisfied is XXXX Total Principal satisfied is XXXX. 

I had to go on forbearance for a few years during the recession, my husband lost his job and we relocated to XXXX from XXXX. 
I tried to get the interest rate down when the government reduced interest rates but they would not budge. 
I called recently regarding the XXXX, XXXX amount I satisfied on the loan yet still owe close to the original amount. 
I did not get an answer other than I went on forbearance and accrued interest. 
It does not add up.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2019 I sent a fax request for verification on XX/XX/2019 I sent a certified letter for verification as of XX/XX/2019 I had not received any communication from this company ( Jefferson Capital systems ), when I requested information the tried to send it to another collection agency to collect but I also sent a request to that company as well which ( XXXX XXXX XXXX XXXX ). XXXX responded I have attached a copy of there response. Jefferson did not respond so I reached out to them to request that they cease collection and remove this account from my report since they didnt send verification nor respond within the allotted time for fair debt collection. I was advised by XXXX they he was not able to make that decision so I ask for a manager I was then transferred to XXXX who I advised of the situation and my request and I was told that I need to call back to speak with the correct department which I was under the impression they were the department since they both made attempts to collect the debt.
Complaint sub-issue: Problem getting your free annual credit report

At this time, I respectfully request a copy of my XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Complaint sub-issue: Problem with fees

I have a XXXX XXXX credit card that I very rarely ever use. Back in XXXX I realized it was missing, so I called to have it cancelled. When I called, I was told that there was a balance on the card, so I told them I wanted to report it stolen and asked if they could tell me were it had been used. They proceeded to tell me, that the balance was due to late fees as the annual fee had never been paid. I explained to them that I had never received any bills in the mail, and asked if there was anything they could do to help me resolve this. I was told that my only option was to send them a letter in writing to request a waiver. I wrote to them explaining the situation, and my concerns with this reflecting negatively on my credit file, and made the initial payment of the {$39.00} annual fee in the hopes that the late payments would be waived. I got a response from them denying my request, so I paid off the final balance of the acquired fees. I now have not just one, but two late payments reflecting on my credit report, and was denied a home loan due to this. I would also like to know why the charges varied? 

Also, as I mentioned above, I paid these fees off, and it is still reflecting a balance of {$60.00} on my credit report.
Complaint sub-issue: Reporting company used your report improperly

Equifax/Equifax Credit Bureau only deleted one account and not the others as I requested.
Complaint sub-issue: Debt is not yours

To Whom It May Concern : I am writing to file a complaint against TrueAccord of whom is a debt collector and has reported un-validated information regarding the debt in the amount of {$850.00} to XXXX, XXXX, XXXX  and other credit reporting agencies. 

Over the past several months, I have tried to resolve this issue via filing a dispute requesting VALIDATION of the debt with TrueAccord. I have also contacted the agency via telephone at XXXX as well as the agent assigned to the account via email at XXXX. Unfortunately, on XX/XX/19 I received a statement via email advising per TrueAccord the reporting collection agency I received an email dated XX/XX/19 advising the debt has simply been VERIFIED and is due for collection. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt being reported on my credit report. However, to no avail the TRUEACCORD the agency of whom is trying to collect on the debt has refused to VALIDATE the debt pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) t. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed? 

TrueAccord is refusing my request for VALIDATION of the debt I am requesting proof that I am the correct party, and there is some contractual obligation made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 

Thank you for your assistance.
Complaint sub-issue: Information belongs to someone else

I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. Can you please send me information showing that these debts are actually mine? Because its complete FRAUD. If you take a look at my credit you would understand that I have never ever even dealt with this kind of debts. ITS IDENTITY THEFT, MY info is stolen and I need help. Please delete them investigate check whatever but I do not want to see them at all.
Complaint sub-issue: Problem with customer service

I called US BANK VISA on XX/XX/XXXX to inquire on getting a refund for airline tickets purchased on XX/XX/XXXX through a travel company for {$2700.00}. Due to Covid 19, I had to cancel our trip scheduled for XX/XX/XXXX. I called the travel company on XX/XX/XXXX to cancel the tickets and was told I had to call XXXX directly to cancel. I did and XXXX only gave me a partial credit. The travel company retained {$1200.00} of my purchase and said I had to use it for future travel. I called the travel company on XX/XX/XXXX and got a recording saying they are permanently closed due to Covid 19. I called US Bank the same day and reported that information. US Bank credited my account {$2700.00} and then charged it back on my card saying they didn't get my paper response. I did complete and mail in the paperwork requested and this was validated by other persons in cardmember services. I spoke with many people at US Bank cardmember services and I was given different information each time I called. I filed a complaint with the MN. Attorney General 's office. US Bank responded to their inquiry and much of US Banks response is not accurate. US Bank also said the 60 day TILA rule applies. I had asked US Bank how did I get a full refund on another purchase I had to cancel due to Covid and I did not file a claim on that purchase for 120 days after purchase. They could not give me an answer. My last call to US Bank on this matter was on XX/XX/XXXX and I was told that if I could determine when the travel company went out of business and if it was within 120 days of XX/XX/XXXX they may look at my claim again. I can't determine when the travel company went out of business. US bank has not been forthright with their explanations to me. I believe I'm due a credit on my account.
Complaint sub-issue: Account status incorrect

To Whom It May Concern : I am complaining in two parts, firstly XXXX  XXXX is reporting incorrect and defamatory information to the credit bureaus. The account was paid off with a settlement from XXXX due to the car being totaled. According to XXXX  XXXX and the 3 credit bureaus the account was written off, which is absolutely incorrect. I have submitted documentation of this, indication of total loss letter by XXXX. This is a violation of the fair credit reporting act. 

I am requesting intervention in this matter. I am also requesting assistance with hunter warfield and the erroneous information they are refusing to correct it as well. 

I sent information to them 2 years ago informing them I did not reside at this apartment for the timeframe they indicated. I sent usual receipts and documentation. I need to know if I need to file a report with the courts to assist me in this matter. I am not paying for something in which I moved out and did not reside at.
Complaint sub-issue: Problem with fees

We opened credit cards with Home Depot and Costco. Both cards are through Citi Bank. With the Home Depot card, it was opened as a paperless statement. We never received and email with the statement and notification for pending bills were received the day the bill was due. With the Costco card, we were switched to paperless bills with no notification. Similar to the Home Depot card, the emails about pending bills/balance due were sent the day the bill was due. With both cards we missed a single payment because notification of balance due for the month was received the day it was due This then resulted in a late fee, plus interest charged for all charges until we made two consecutive payments on time.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it againXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX Opened Date XX/XX/2017 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX  XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.