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

My credit score doesnt match my credit history. I am a responsible consumer with no late payments, no derogatory marks and no late payments in at least 6 years yet my credit score never gets above XXXX for a mortgage. I several types of open accounts, all in very good standing. When an inquiry is made companies are being told that Delinquency or derogatory status on accounts is to recent, not enough balance paid down overtime on first mortgage accounts, not enough available credit on revolving accounts. All of these make me seem like I should have a bad credit history but I do not and when I call to resolve the issue. I am simply told that it is computer algorithm. This issue has been going on for 10 years since I bought my house. Recently my credit on one of my credit cards was decreased by over {$4000.00} because of this type of information that are inaccurately being reported during an inquiry. Currently Im using about 50 % of my credit due to Covid. I dont see how that XXXX race my previous credit history. I did not work for six months and had to live off of my credit cards when I was laid off for Covid and still never missed a payment.
Complaint sub-issue: Can't temporarily delay making payments

I got a call from DocuPrep around XX/XX/2020, offering a student loan forgiveness plan. They checked, and I wasn't eligible for forgiveness, but I could start paying {$50.00} per month, after I paid them their fees of {$990.00} ( {$190.00} per month for 5 months ). I just recently checked with my loan servicer, Navient, and they replied that they are not affiliated with this company. I emailed DocuPrep twice, telling them they were not getting any more money from me ( before the 5th payment came out of my account ), and that I had found out from XXXX 's website that companies are not supposed to be charging for help in repaying student loans. I asked DocuPrep to immediately return the {$790.00} to me that they had charged. I have not heard back from DocuPrep since.
Complaint sub-issue: Account status incorrect

at XX/XX/XXXX ... I made a request to XXXX XXXX XXXX through it's representative XXXX XXXX XXXX to delete an executed second mortgage account from my credit report as charge off, because since XXXX, this property has been executed. 
I made a successfully claim to XXXX XXXX Credit report company ... and they update correctly my information. 
However, I made the same request to Equifax company, and the didn't want to proceed in accordance with my current situation.So any of this two companies don't report my situation accurate, despite I'd have bring to them all the legal documents that show the foreclosure of my old home. 
Equifax confirmation request # is:XXXX I'll appreciate your assistance and intervention in this matter ... .thanks!
Complaint sub-issue: Debt is not mine

mrs associates, ph ( XXXX ) XXXX continues calling my number which is ( XXXX ) XXXX in an attempt to contact a family member. These are unwanted phone calls, and I hang up before the recording can finish. I am on the " do not call list '' and for privacy have an unlisted number.
Complaint sub-issue: Debt was paid

COMPANIES Procollect XXXX XXXX - XXXX Ive attempted to settle this account for a length of time that has now become problematic. This matter is now over a year old and remains unresolved through no fault of my own. ( You can see this by the documentation that has been attached ). 

At this time, as well as all other times, I simply want to take care of this issue and move on with my life. XXXX XXXX and Pro Collect have violated my rights under the Fair Debt Collections Practices Act and reported an INACCURATE Debt to mine and my sons credit reports In the attached documents you can clearly see I made payments to XXXX XXXX .. BEFORE this account was turned over to a collection agency. ( ProCollect ) Speaking of PROCOLLECT, once received by ProCollect this matter was reported to the credit bureau BEFORE the validation was received. In the validation they only provided a lease. In speaking with XXXX XXXX Property Management they have not sent anything to Procollect Now that this is with PROCOLLECT, I am STILL having a problem. As you can see in the attached I have attempted to settle this matter with no success. I continue to contact ProCollect. Each time I am advised that I can only speak with Mr. XXXX AND that it has to be done via email. Well as you can see that is not going to well. 

At this time my desire is to clear this matter and correct our credit reports. Considering that so much time has lapsed already, Please see the attached documents
Complaint sub-issue: Not given enough info to verify debt

There is a XXXX account reporting through this company called Enhanced Recovery, I have disputed with nothing being received. Unknown and to owe {$1300.00} is crazy requesting validation
Complaint sub-issue: Debt is not yours

This is a fraudulent debit card charge to my bank account. I contacted the bank on XX/XX/2002 and advised them that this was not my charge and I was disputing the amount. Thereafter, the bank credited back the amount charged by XXXX XXXX in the amount of $ XXXX also personally went to the XXXX XXXX and talked to the manager and he said he would get it straightened out. A letter was received from TRS Recovery Services on XX/XX/2002 stating that I owed this ; on XX/XX/2002 I replied with a letter to TRS advising that this was a fraudulent charge. See attached.
Complaint sub-issue: Fee problem

US bank account was opened and funded on XXXX XXXX, XXXX to fulfill the promotion for the XXXX promotion but incentive has not posted yet. XXXX bill payments were made on XXXX XXXX and XXXX XXXX, XXXX. It has been more than XXXX months but no sign of the bonus.
Complaint sub-issue: Problem with customer service

On XX/XX/2021 I contacted First Progress in an attempt resolve my issue concerning the inability to access my online account. After over 3 calls to their customer service reps, who were ALL very rude and discourteous, I was repeatedly told to " follow the steps ''. 

I tried accessing my account using the " Create A New Account '' option I was instructed to use SEVERAL times. Each time I received the same outcome - not being able to access my online account. 

All I want is to do is to be able to access my online account and this company REFUSES to assist me!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXXXX/XX/XXXX -XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX NEGATIVE ACCOUNTS : -XXXX  XXXX XXXX -T ED/XXXX XXXXXXXX -DPT ED/XXXX XXXXXXXX -DPT ED/XXXX XXXXXXXX -DPT ED/XXXX XXXXXXXX -DPT ED/XXXX  XXXX -DPT ED/XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX5 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 while selling or giving up the vehicle

I have a 48 month lease with US Bank on a brand new XXXX I am selling my to a private party ( Lease is 5 months old ). Us Bank will not give me the payoff without the taxes included, and will not release the Title unless the taxes are paid at time of payoff to them.

This is ILLEGAL in the state of California via XXXX XXXX and XXXX in addition to publication 34. It states I have 10 days to transfer Title to a 3rd party who is responsible for paying the taxes. In addition to being illegal, I am selling the vehicle for less than I owe which means I am responsible for more tax than is actually owed at the time of sale to a 3rd party. I have stated this to US Bank and they told me tough luck.
Complaint sub-issue: Didn't receive notice of right to dispute

was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 5 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Complaint sub-issue: Account information incorrect

XXXX XXXX STILL HAS A LOAN SHOWING THAT WAS PAID OFF. 

{$42000.00} Reported balance Highest balance {$44000.00} You've paid off 4 % of this loan Checking for errors? Review your full report details. If you find any issues, we can help. 
OVERVIEW Highest balance {$44000.00} Monthly payment {$0.00} Opened XX/XX/2019 ( 7 mos ) Term 63 months ( 5 years )
Complaint sub-issue: Debt was result of identity theft

There is a collection on my credit report coming from  Enhanced Recovery Group  in regards to a  XXXX  account that I have no knowledge of. They are also not able to produce a contract for the supposed debt.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting me as 120 days past due on the XXXX XXXX XXXX and XXXX - partial account number : XXXX. These accounts have a {$0.00} balance and {$0.00} past due. This is harming my score. I have disputed this directly with the two bureaus but the coding has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Complaint sub-issue: Account information incorrect

The following accounts are incorrect, and they are adversely affecting my livelihood. 

XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX
Complaint sub-issue: Banking errors

Received letter XX/XX/2021 stating my account was to be debited {$500.00} for two checks my wife cashed on XX/XX/2021. Letter states these 2 checks were cashed twice at two different branches by my wife XXXX XXXX, who is on the account. These are her payroll checks received weekly @ {$250.00}. I have gone to 3 different in-person appointments at 3 different branches. I had also opened a case with U.S. Bank corporate to investigate how this could have happened. My wife could not have cashed these checks, then have the clerk hand them back to her. If by chance it did happen, she would have immediately asked why they were handed back to her. I have worked with XXXX at my local branch in XXXX, Ca. She worked on it for appx 3 weeks. Then told to work with the XXXX, Ca branch manager XXXX XXXX. Who then told us to work with XXXX at the XXXX XXXX, Ca branch. No one can explain where or why the {$500.00} has gone. Local branch personnel say its a common error and keep fighting. ( of the record of course ) I have all correspondence copied as well as phone records
Complaint sub-issue: No notice of investigation status/result

I recently received a letter from Equifax stating that the late payments on my credit report from XXXX XXXX XXXX are " Verfied. '' I placed a phone call to XXXX XXXX XXXX on XX/XX/XXXX regarding the account listed above. I called to inquire about this account that is listed on my Credit Reports. I spoke to a Customer Service Representative. He informed me that XXXX XXXX XXXX does not have any record on this account with respect to any late payments.. 


How did Equifax investigate this account with out any documentation? 



I spoke with Represenative XXXX XXXX out of XXXX, Az at XXXXOur conversation, which XXXX XXXX XXXX has recorded went something like this. 

XXXX : I got a lot of credit cards and I just wanted to investigate this item a little bit further. To check in my credit report and I do n't really remember this, is there any kind of ... It shows late payments on there, is there ... Do you have any information that you can provide me with to prove those late payments? I 'm just going through and doing some maintenance here on my financials and just wanted to research things a little further. 

XXXX : All right, let me see here what I can provide you with. I was just checkingto see if I was able to send out any statements or anything but this card had been paid off from quite some time. It does show that at XXXX time the account did go XXXX payments past due. 

XXXX : Is there anything that you can provide me with other than ... Are there any proof of that? 

XXXX XXXX : I 'm not finding any recent statements or anything that I could actually send out. Let me double check one thing here. 

XXXX : I do n't. I 'm trying to research this whole thing. 
XXXX XXXX : Okay. This is coming up on your credit report, how did you find out about this? 

XXXX XXXX : XXXX, that 's when we show that it was opened and it was actually closed XX/XX/XXXX. It 's just that it may have been so long since it was actually paid off that we no longer have the records on it. I can see if there somewhere that I can go to find any information for you here. May I just place you in a brief hold? 

XXXX XXXX : Okay XXXX moment. Thank you for holding XXXX XXXX I do appreciate your patience. Just checking to see if we have in the archives statement that I can possibly access to maybe send out those to you to give the information of the account. 

XXXX XXXX : Okay let me try again. Thank you for holding once again XXXX XXXX. I was just checking to see if I can access the information, unfortunately I was unable to. What I can do is I can reach out to customer service and see if they would have any access to the archive statement. 

XXXX : It sounds like you guys dont have the records any longer If you do n't have it then it must not exist because I actually spoke with customer service just now before you asking for the same information and they did not have it. 
XXXX XXXX : You did? 

XXXX : XXXX. They transferred me to you guys. It sounds like you guys do n't have it. Okay, that 's fine. Okay, I appreciate it. I 'll just continue to research. Thank you. 

XXXX XXXX : Okay, all right thank you.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

They have hard inquiries on my credit report
Complaint sub-issue: Information belongs to someone else

I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXXXXXX XXXX- {$25000.00} XXXX XXXX XXXX XXXX {$10000.00}, XXXX XXXX XXXX XXXX {$26000.00}, XXXX XXXX  XXXX {$13000.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX claim my credit account was 30 days pass due when their company policy states that if I paid my account in full, they would mark my account current and any late payment would be removed. I have already spoken to the company about the matter and they refuse to remove the late payment despite their current policy to do so
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. XXXX, XXXX  and & Equifax have refused too removed several fraudulent items still displaying on my credit report. I have filed a police report as well as a complaint with the FTC. 

My initial dispute started XX/XX/2020and my most recent is early XX/XX/XXXX The total debt amount is less than {$8000.00}.
Complaint sub-issue: Threatened to sue you for very old debt

This company is very abusive. They will not try to take a {$20.00} payment when they know you have XXXX and have suffered and lost family members during the pandemic. 
Will not try to settle wants full amount but want big payments.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax reporting fraudulent hard inquiries 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 XXXXXX/XX/XXXX These need to be removed
Complaint sub-issue: Their investigation did not fix an error on your report

late XXXX, XXXX, equifax had removed XXXX information from my credit report. Upon checking my credit report 30 days later, equifax placed it back without anything in writing. i have called and have been told there is a system issue and they claimed they removed it again in XXXX XXXX i called again and wrote letters in XX/XX/XXXX and I have been given negative answers from the system is down to the information was verified with no method of verification in writing
Complaint sub-issue: Account information incorrect

The company posted late payments on my account incorrectly. Some were made before XXXX on the weekend and they didn't post until the next business day. The company also did a credit check without my authorization. I already had an account with them and I was not seeking additional funds. I don't understand why they did a cred check. Some of the their customers service representatives are very rude.
Complaint sub-issue: Reporting company used your report improperly

My credit report contains inaccuracies. The documents I provided have been attached. The accounts on my report are inaccurate.
Complaint sub-issue: Account status

I applied for a loan and the loan officer pulled my credit and received XXXX credit scores. One was significantly lower than the other two- Equifax ! Not only is a lot of the information on Equifax outdated. They had no idea I bought house and had changed addresses three times since the address they had on file until I told them. Now my problem was with communication. Apparently they outsource their customer service to foreign countries because the language barrier was unbearable. I was not only disrespected by the rep requesting all my confidential information, I was ill at ease with having to provide any information to a person I was having serious trouble trying to understand. Equifax should be required to be as consistent with updating information as XXXX and XXXX. And! This is America! Why is it the only people outsourced to provide Americans assistance with their privileged information is the same voice calling from XXXX saying my computer has virus and they 're calling to help? Where is the accountability? After speaking with a rep at Equifax for 40 minutes nothing was resolved. I felt forcibly violated by having to provide my information to people I could not understand and could n't provide me with assistance. Where is the accountability?
Complaint sub-issue: Their investigation did not fix an error on your report

Im having some difficulty with Equifax as they are the only company reporting these adverse information that I will list below, one they take very long in replying to disputes, and the outcomes as been Luke warm at best even when Ive supplied numerous documentation to support my claims, Ive sent them documentation saying a creditor as agreed that the account was to be removed because it does not belong to me and the letter came from the furnisher and it seems as if it was overlooked, now I know they have a difficult job and a lot going on but in all that I just need my credit profile to be handled correctly ... 

The folling accounts was disputed and asked to be removed, because these companies have told me they have no information and have asked for the account to be removed for some reason Equifax have failed to complying : I NEED THESE XXXX ACCOUNTS OFF MY FILE 1.XXXX XXXX {$580.00} 2. XXXX : {$0.00} charged off company says they are new and do not know about this debt, its with XXXX XXXX and they are not associated any more 3. XXXX : this company sent a letter and I sent it to Equifax and still nothing as far as deletion {$490.00} 4.XXXX XXXX XXXX  XXXX XXXX XXXX this company agreed to remove this account {$0.00} 5. XXXX XXXX XXXX : this company agreed to remove this account {$0.00} 6. XXXX XXXX : this company said they sold and are associated with XXXX XXXX {$0.00}, told me they cant verify the account and it should have been deleted ... 

***** the issue is I sent supporting documentation to equifax proving this information is reporting no where else but with them everyone got the memo but Equifax, I think E-OSCAR VERIFICATION is causing them some problems, they need to manual review my dispute and manual look at what the creditor is replying to ; codes do not work .... Ive relentlessly contacted equifax and I need the matter to be resolved
Complaint sub-issue: Was not notified of investigation status or results

I'm sending in the additional documents you guys needed to locate me in your system from the last complaint.
Complaint sub-issue: Account terms

i was hit by a XXXX driver in XXXX and the ambulance fee wasnt paid in time but i was suing the insurance company to get all fees paid so the ambulance fee didnt get paid in time. im trying to get this off of my credit record.
Complaint sub-issue: Debt was result of identity theft

Ive contacted equifax about two large collections on my account since they've been on there. 

I did the foot work since equifax would not probably dispute it. I asked for validation of these debts from XXXX XXXX XXXX ( originally from XXXX XXXX XXXX ). They sent a lease back with SOMEONE ELSES NAME ON IT. 

My name is no where on it and they insist it's mine and ITS NOT. Clearly I'm a victim of identity theft and ive pleaded with this company to delete these has they have Hendered me in so many ways. 

As a victim of identity theft XXXX fee hopeless and equifax has made me feel like my credit is nothing by not acting in the proper way. 

I'm attaching a copy of the lease to prove it's not my debt.
Complaint sub-issue: Fees charged for closing account

I am a former customer of US Bank. I closed my account over 2 years ago now, due to the fact that I couldn't afford the overdraft protection fees associated with my account. I asked US Bank, to turn off my overdraft protection so that I wouldn't have to worry about incurring these fees anymore. I was told, by a telephone banker that the overdraft protection, was turned off on my account and that I wouldn't occur any more fees. After several months, I received a letter in the mail stating that I owed US Bank {$130.00} and change. I inquired about how I was given this amount, but I wasn't given a straight answer. The last contact that I was given, was by letter again stating that my amount owed had changed to {$320.00}. Every time, I received a letter there was not an option to have my potential debt, reported to the NSCRA as paid in full. I spoke to 2 different people today, XX/XX/18 and was told that if I wanted my debt to be paid and reported in full to the NSCRA, I  would have to pay the total of {$320.00}. I don't feel that I'm responsible for this amount, due to US Bank " padding '' my bill, and due to the fact that my overdraft protection was supposed to be turned off. I will gladly pay the current settled amount of {$130.00} paid in full with, US Bank if they will be willing to report to the NSCRA, that my account is paid in full, not settled in full.