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

I am currently in the process of purchasing a house in New Hampshire, I was told a few months back to try to dispute any inaccurately reported accounts on my credit report to help improve my scores prior to locking in a rate. The on-line dispute section of the major credit agencies was very confusing and difficult to navigate and as a result of my challenges I inadvertently disputed a short sale ( an account that closed in XX/XX/XXXX ) I contacted the credit agencies of my error and that I wanted to retract my dispute but a report from the creditor had already been made. I was told that I needed to contact the creditor and have them correct the " last reported '' as XX/XX/XXXX as the " last reported '' date now shows XX/XX/XXXX. The repercussions of this last reported date is major, what resulted is that when my loan goes to electronic underwriting through XXXX, the software THINKS that since this was report in XX/XX/XXXX that I 'm " CURRENTLY IN FORECLOSE '', and subsequently disapproving my loan. Under the instruction of the credit agency Equifax & XXXX I contacted the creditor XXXX XXXX XXXX to get help to resolve this mistake. XXXX XXXX XXXX was more than willing to help and was understanding of this error. Their credit corrections department called to the highest level at Equifax and XXXX & XXXX and tried to electronically change that " last reported '' date to reflect XX/XX/XXXX, they even went so far as to supply me with a letter that reads " The " last reported date of XX/XX/XXXX is an update that was requested in error. There has been no activity on this loan since it closed in XX/XX/XXXX '' signed by XXXX XXXX Servicing-Office of the President XXXX. Here is what XXXX was told by Equifax " they explained to me that it could n't be removed ( embedded software programming ) ''. I also reached out to Equifax by phone and fax and to XXXX by phone spending hours on hold and explaining my situation to several managers at various levels, ultimately at the end of those calls and faxes, I was told by both Equifax & XXXX despite the creditors letter, their calls, my calls, my faxes, that they are refusing or " unable '' to change that last reported date to XX/XX/XXXX. Without this correction my family of XXXX kids are going to be effectively homeless if this change is not facilitated by the XXXX credit bureaus to reflect the last report date of XX/XX/XXXX. My loan flatly will not be approved without this correction. I am happy to supply the letter from the creditor XXXX XXXX XXXX and provide contact information for XXXX XXXX at XXXX XXXX XXXX. Respectfully, I would ask you please, please help me to get this resolved as quickly as possible.
Complaint sub-issue: Didn't receive enough information to verify debt

IC Systems is reporting an inaccurate collection account on my credit reports. I am not familiar with this account and reached out to them to get validation of debt to resolve this issue. I have not heard anything back from them and I know that per the consumer laws it is illegal for them to ignore my request to dispute this information. This account should be deleted from my account now!
Complaint sub-issue: Debt is not yours

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Complaint sub-issue: Problem accessing account

PNC will not allow me to link my account to my other bank account.
Complaint sub-issue: Information is missing that should be on the report

I applied to refinance the remaining balance of a 2nd mortgage ( XXXX XXXX ) in XXXX which was denied due to incorrect information being reported from primary mortgage lender. I continue to make payments and have never missed a payment but in XXXX XXXX charged the account off as a bad debt. My credit accounts should reflect, " charged off, paying as agreed, '' but does frequently does not. XXXX has been contacted regarding this issue at least twice, once in XXXX of XXXX and once in XXXX of XXXX. 
In a letter dated XXXX/XXXX/XXXX in response to my letter to XXXX regarding inaccurate reporting, XXXX stated that they found that they were reporting inaccurately and would send corrected reports to the Consumer Reporting Agencies to reflect account reporting as charged off, paying under a partial payment agreement. 
In a letter dated XXXX/XXXX/XXXX in response to my letter to XXXX regarding inaccurate reporting, XXXX stated that they found that they were reporting inaccurately and would send corrected reports to the Consumer Reporting Agencies to reflect Account reporting as charged off, paying under a partial payment agreement with all credit marks removed after the charge off date in XXXX of XXXX. 
I applied for a mortgage loan in XXXXXX/XX/XXXXof this year and was approved for same pending appraisal and final underwriting. I am now in receipt of a loan denial because XXXX is still reporting an inaccurate charge off date and is not reporting that the loan was charged off and paying as agreed. 
XXXX was contacted via USPS and via CFPB, according to XXXX they are reporting to that credit bureaus that my account is " charged off and currently paying under a partial payment agreement '' and that " XXXX XXXX is the charge-off date. '' The letter went on to say that the problem lies with the credit agencies.
Complaint sub-issue: Was not notified of investigation status or results

Back in XX/XX/2015 I opened an XXXX XXXX XXXX XXXX  account, I fell behind and missed the XX/XX/2015 payment. The loan went directly into a charge off. I did pay XXXX XXXX  and settle the account, I pay my bills, but after reading the Metro 2 guide lines, this payment history is factually inaccurate reporting. This falsely reporting account is harming my credit and ability to obtain new credit. I have disputed this account several times, each time it is not changed, even though XXXX  never responds to my direct validation requests?
Complaint sub-issue: Was not notified of investigation status or results

Hello, I submitted a dispute to Equifax on XX/XX/XXXX via mail regarding a bankruptcy inaccurately reporting on my credit file. Equifax received my letter and began processing on XX/XX/XXXX and informed me they have 30 days to complete their investigation by law. One XX/XX/XXXX I received alerts from THREE different paid monitoring sites that they pulled an update on my credit report and that the public record ( bankruptcy ) had been removed and investigaton was complete. About 7 days later, I received more alerts stating a bankruptcy had been added! How is that legal? Its stated that if a previously removed item is reinserted, the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five business days after the date of reinsertion. This FCRA requirement is rarely followed. Additionally, the creditor who reinserts the negative item must also certify the information is correct. 

Here is the exact law pertaining to this situation : 15 U.S. Code 1681i - FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) Notice to consumer : If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I have been waiting well over 5 business days and nothing has came to me in writing. This morning of XX/XX/XXXX I called and spoke to 2 different customer service reps who could not explain why this happened and said its common. I stated that although some is common that doesnt make it fair, right or more importantly legal. I finally asked to be transferred to a supervisor who was equally unhelpful which has prompted me to formally make this complaint against Equifax for their illegal business practices and unethical tactics. They are not following the FCRA and this needs to be handled. 

Thank you
Complaint sub-issue: Didn't receive advertised or promotional terms

On XXXX opened a XXXX XXXX account serviced by Citibank which offered a {$50.00} promotional credit. I was immediately approved and used the account information provided to purchase a lawnmower and accessories totaling {$570.00}. I have called Citibank twice asking why the promotional credit hasnt been applied and have just received my first statement showing full purchase amount of {$570.00}. 

I was advised twice that the promotional credit could take up to two billing cycles. So my options are to pay balance in full and then have a credit balance of {$50.00} if they actually apply the provisional credit eventually, or pay balance less {$50.00} and incur interest. This seems deceitful. 

Im sure Im not the only customer this is happening to.
Complaint sub-issue: Debt is not mine

An invalid debt was sold from XXXX collection company to another and I am again being harassed and my credit score negatively affected due collection attempts from this company. In XXXX XXXX, I contacted you because XXXX in XXXX Florida continued to send me letters stating I owed a debt to XXXX XXXX XXXX in the amount of {$300.00} but they would not respond to my letters and they had failed and refused to provide any documentation of a valid debt. With your assistance, this negative mark was removed from all XXXX credit reporting companies and I did not receive any further correspondence. However on XXXX XXXX, XXXX, I received notification from my credit monitoring service that a collection account, reported by Enhanced Recovery Company also located in XXXX Florida, was placed on all XXXX credit reporting sites for XXXX XXXX XXXX in the very same amount as XXXX had back in XXXX. This company made no effort to contact me by mail or phone to confirm or deny the validity of this debt, but instead just placed it on my credit reports and marking this account as open as of XXXX XXXX. When I was dealing with XXXX, they claimed this amount was for wireless phone services with XXXX XXXX XXXX when in fact at that time I was with a different company, and I did not have any contract in force with XXXX XXXX XXXX at the time of the supposed debt. I had also at that time contacted XXXX XXXX XXXX who stated they were not aware of this debt and could not find any records of it.
Complaint sub-issue: Information belongs to someone else

It has been a battle going through this and I am writing to delete the following fraudulent 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 nor accounts. 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 Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Buraus immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$63.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$74.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$60.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$110.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

ALSO DUE TO HIPP LAW AND ACCURATED INFORMATION, EQUIFAX AND XXXX ISN'T REPORTING CORRECT INFORMATION ' EQUIFAX REPORTING MEDICARE BILL THAT IS CORRECT PERSONAL INFORMATION, I HAVE RIGHT THAT ALL INFORMATION ON MY CREDIT REPORT IS FILED CORRETLY- THIS OCCURS FOR BOTH EQUIFAX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor Name XXXX XXXX XXXX # # # # XXXX XXXX XXXX {$570.00} INCORRECT INFORMATION REPORTING -- due to fraud on my credit report with Equifax AND XXXX XXXX, i notice these fraudulent items as inquiries that i would like removed asap, items on my Equifax and XXXX XXXX report as inquiries, please remove XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX XXXX this XX/XX/XXXX XXXX - CARD SERVICES XXXX - CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX this XX/XX/XXXX XXXX - CARD SERVICES XXXX - CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX this XX/XX/XXXX US DEPARTMENT OF EDUCATION US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX this XX/XX/XXXX XXXX - CARD SERVICES XXXX  - CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX this XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Dispute this XX/XX/XXXX US DEPARTMENT OF EDUCATION US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently pulled my credit report and noticed that I have been a victim of identity theft. I did not authorize any company/person to pull my credit in regards to the items listed below. All of the following inquiries were not authorized by myself : XXXX reported on ( Equifax ) XX/XX/2020 XXXX/XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX XXXX reported on ( Equifax ) XX/XX/2020 XXXX XXXX/XXXX  reported on ( XXXX ) XX/XX/2020 XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX  reported on ( Equifax ) XX/XX/2020 XXXX  XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX  reported on ( XXXX ) XX/XX/2020 XXXX  XXXX on ( Equifax ) XX/XX/2020 XXXX  XXXX/ XXXX reported on ( XXXX ) XX/XX/2020 XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX XXXX on ( Equifax ) XX/XX/2020 XXXX XXXX on ( XXXX ) XX/XX/2020 XXXX reported on ( XXXX ) XX/XX/2020 A Police report was filed with XXXX COUNTY TX POLICE DEPT
Complaint sub-issue: Received bad information about your loan

Upon graduating and working one full year, I called my loan company to discuss loan forgiveness. I had a very detailed conversation ( notes saved!! ) with a man who explained exactly what I needed to do- sign up for automatic payments and then with a year to go before I make all 120 payments, complete the certification and the loans will be forgiven. So, listening to the official loan representative, I did just that. Worked in an eligible and certified place, completed the paperwork, was approved, and they tell me one of my 110 payments was eligible for forgiveness because, despite me asking this gentleman SEVERAL TIMES, my repayment plan, that he set me up on, wasnt eligible. The amount Ive paid monthly is more than the other eligible repayment plans too. 

I feel as though Ive been scammed! Was I given misleading information so they could continue to make money?!?!
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states that 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: Investigation took more than 30 days

Equifax, what you are doing is clearly illegal. we are now at 60 days since my original dispute and you now barely say i did not supply sufficient identification. In my original dispute i provided a notarized affidavit confirming my identity as well as a drivers license and bank statement. 30 days later after no response I sent I also sent a follow up letter. Today in response have mailed a copy of everything plus a w2 and a additional letter addressing these games you are playing. I will also be filing a complaint with the XXXX and If I have to the attorney General. 

Original CFPB complaint : " Someone please help! I have reached out to Equifax multiple times and they never get back to me. on XX/XX/XXXX I sent a letter disputing all that was wrong with my report. Along with it like recommended o their site i sent a copy of my Id and a notarized letter confirming the dispute. I never got a response and they couldn't tell me anything over the phone. I sent my original dispute on XX/XX/XXXX. That's 51 days! A month later on XX/XX/XXXX I send another letter demanding the investigation results. Still nothing! CFPB please step in and help with this. I understand covid may delay things but this is ridiculous and I doubt its legal ''
Complaint sub-issue: Information is not mine

Late XXXX, I sent out a letter to Equifax to dispute inaccurate reporting. In my letter I requested that all NON-ACCOUNT HOLDING INQUIRIES OVER 30 DAYS OLD BE REMOVED.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EQUIFAX NEEDS AUTHORIZATION TO PROCEED, THEN I GRANT EQUIFAX MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

It has been well over 30 days and I have not received any results of an investigation of this account that I requested on XX/XX/XXXX to the credit bureau 's in regards to the difference of date of last payments reflected on my credit report for XXXX XXXX. XXXX  does not reflect a date of last payment while XXXX  reports a date of last payment of XX/XX/XXXX and XX/XX/XXXX on Equifax. Please see the attached credit reporting and letters submitted to the credit bureau 's.
Complaint sub-issue: Didn't receive enough information to verify debt

In or about XX/XX/2020, I disputed the entry from XXXX XXXX   with Equifax. Equifax stated that their investigation proved that he debt was mines, but Equifax never provided me with validation information concerning this debt. So, I sent a certified letter to XXXX XXXX  requesting validation of this debt in the amount of {$200.00} in or about XX/XX/2020. However, it has been over 30 days, and XXXX XXXX   never validated that debt on my credit report.
Complaint sub-issue: Debt is not yours

I checked my credit reports and I noticed a debt from a collection agency I C SYSTEM INC for XXXX for {$550.00} that was placed into collection on XX/XX/15. This debt does not belong to me and I was never notified by the collection agency of this debt so I could dispute it. I never signed a contract with I C SYSTEM INC OR XXXX.
Complaint sub-issue: Debt was paid

I was treated by XXXX XXXX for a XXXX issue. I was never told/disclosed any charges during the treatment and was told by the practice that our insurance will " cover '' it. After the treatment, we were sent an unexpectedly huge bill ( $ 1800+ ) for a minor procedure by a nurse practitioner ( not MD or surgeon ). We contested/appealed the charges to the clinic/hospital numerous times. 

Then, at one point ( around XXXX 2017 ), upon our numerous written protests, they sent us a bill for {$120.00} ( only ) and when we called to confirm and pay, we were assured that it was the only outstanding charge on our account. We paid that promptly and assumed that this matter was settled. 

However, a few months later, an {$1800.00} ( appx. ) charge appeared on our account and XXXX started sending bills again. There was no indication of our earlier ( {$120.00} ) payment in the new bill. We have written numerous letters, and provided documentation that we paid ( at least at one point ) all outstanding charges, and that we dispute all other charges, but to no avail. XXXX ultimately turned over the debt to a collections agency ( XXXX XXXX XXXX ) It is our belief that our initial charges were discharged by XXXX XXXX and that they assured us that we only owed {$120.00}, which we paid. We think the re-appearance of appx. $ 1800+ a few months after the account was cleared of any charges is unfair and we no longer should be responsible for charges that were cleared from our account. 

Now debt collection agency ( XXXX XXXX XXXX ) insists that the charges are valid, despite our written assertions otherwise. Thank you for your attention.