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

I was informed by some loan processors that I had an XXXX XXXX account that had an outstanding balance of {$9100.00} on my Equifax file. In XXXX I filed a complaint with the XXXX XXXX ( # XXXX ) listing Equifax failure to update my balance for this account to reflect the proper amount as provided via documents sent to Equifax. In my complaint I informed the XXXX that XXXX had deleted the item from my file. XXXX XXXX of Equifax informed XXXX that my Equifax account reflected the account as Zero as opposed to deleting the item. Equifax showed that I had a score of XXXX as of XXXX, 2016. 
The XXXX account in currently on Equifax file but not XXXX or XXXX and has been reinstated as me having a balance of {$9100.00} again. This done more than likely on purpose and under the direction of XXXX XXXX due to my XXXX complaint. Since then I also received a letter from XXXX advising my account reflects or should reflect Zero and that it has been reported as such to the credit reporting agencies. XXXX XXXX Contact is XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I am having a hard time correcting the payment status on my student loans from XXXX  XXXX. The payment status is reporting inaccurately to XXXX and XXXX for XX/XX/2015. There is seven loans with one late payment for XX/XX/2015 on them. There is four loans with one late payment for XX/XX/2015.
Complaint sub-issue: Debt is not yours

COMPLAINT BASIS : I am having severe issues with a Collection Company that has been attempting to collect on a debt that I am NOT LEGALLY RESPONSIBLE for paying. It may have even already been paid by the Responsible Party involved.

My name should NOT be involved regardless.

The Collection Company involved has been repeatedly notified via multiple Credit Reporting Disputes of this situation & refuses to correct it.

Now, on a least one of my Credit Reports they have RETALIATED against me for filing a Fraud Dispute against them, by then literally DUPLICATING a Collection originally posted under a different Collection Company name ( which they may even own ) under their OWN NAME as an Additional Collection Account with literally the SAME Account Number, Amounts, Original Creditor, etc. but strategically changing just the filing date numerals to DEFEAT the Reporting Companys computers from identifying the clearly intentional duplication. The Credit Reporting Company involved even identified this.

This Company believes it can violate Federal and/or State Regulations at will, & attempt to retaliate/ intimidate consumers trying to get them to comply. 
Therefore, I am filing a Federal Complaint against the Company involved, to make your Agency aware of their improper, threatening tactics, in order for ALL appropriate corrective actions to be enacted against them, so that ALL consumers are protected from them. I reserve the right to also file State level action/s with the Attorney Generals Office as well. 
BACKGROUND : I suffered a severe fall with permanently disabling injuries ( including an amputation ) THROUGH NO FAULT OF MY OWN at a Restaurant due to a defective step, No Warning Signs, & no lighting. 
The XXXX  involved & their Insurance Company were LEGALLY RESPONSIBLE for paying ALL my Medical Bills from the Incident as part of their Settlement to Avoid Lawsuit. 
All the Bills were Submitted to the XXXX & its Insurer, by my Attorney, including the Bill/s in question. Bills were clearly paid by the Insurer. Why these were not credited paid or attached to me since I am NOT THE LEGALLY RESPONSIBLE PARTY is clearly incorrect. 
DOCUMENTATION : I have attached copy of a Letter from my Attorneys Office ( XXXX XXXX XXXX, Attorney XXXX XXXX XXXX, XXXX, NC XXXX ) attesting to & fully detailing the foregoing. The Attorney can verify the accuracy & truth of this Letter.
Complaint sub-issue: Their investigation did not fix an error on your report

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$340.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. 
XXXX XXXX XXXX  XXXX Balance Owed : {$610.00} - Please check the Payment History and Status information on this account. It is entirely wrong, to begin with. I was never late on this account because I make my payments on time. My record shows that I never missed a payment. Please update all lates immediately. The current status is all wrong and a scorable category. Please update for legal accuracy. 
XXXX XXXX Balance Owed : {$0.00} - This just proves your lack of proper record keeping. Now, this item is reported to be 30 days past due, yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that you have not abrogated my rights by reporting false information, otherwise, remove it immediately. 
XXXX XXXX Balance Owed : {$460.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to XXXX or eliminate the item certainly.
Complaint sub-issue: Information is not mine

I have repeatedly disputed issues with my credit bureau report and have had a Fraud Alert placed on my credit as well, i.e inquiries, credit accounts, broken lease, name changes, address changes, accounts that were deleted and placed back on my credit, as well as the statue of limitations exceeded on several accounts. This is ruining my life. I have submitted numerous disputes to all XXXX agencies and my credit now is ruined. I am aware of things that should have been on my credit, i.e one property that I moved out of in my last month due to my health, but how could I have lived there and lived at another residence as well. I have submitted information to the credit reporting agencies numerous times. I am unsure what to do at this point. I have been disputing this for some time.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I have told this company ( ERC Holdings LLC located at XXXX XXXX XXXX XXXX, FL XXXX ) several times on RECORDED LINE to Cease and Desist contacting my phone number. The Debt Collector is using a similar debtor name attempting verification of a debt not owed by me. My phone number is NOT listed, and, for them to obtain my number is using illegal privacy invasive methods on an innocent. This company was warned to remove my number, and, at the time they said the number was being deleted, however the harassment continues. I have maintained a call log with caller identification to show this harassment to the CFPB, FTC and Attorney General. This federal complaint serves as written demand to CEASE AND DESIST. I do NOT verify any debt. Any further contact " written, electronic, or by phone will be viewed as ILLEGAL. I will take full advantage of Federal Law and take legal action if these wrong attempts do not immediately stop.
Complaint sub-issue: Their investigation did not fix an error on your report

i was the victim of identity theft and all 3 credit agencies have been investiagating along with the creditors and have deleted them from my report.  Discover card has not investiagted it, and simply mailed be a statement with a balance and say i owe this amount.  I provided them a phone number and ftc report and details on why the account is not opened or mine at all.  Credit agencies  have deleted it and confirmed, i received a letter from discover the other day 40 days after the dispute that they are handing the matter over to a law firm.  I will try to call them again and give them the info i had provided them.this account is not mine and thier harrassment of calling me has never stopped since my original ftc complaint. Thank you XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

i have been using the XXXX XXXX app for aproximatley 5-6 years, the last 4 years I have used the tax portion of the appt to do my taxes, here is why : 1. its easy 2. its free I Recently went in the XXXX XXXX app to pull up my Tax Documents from previous years due to me being in the market for buying a house. 
Know Credit Karma Prompts me to download the Cash App Tax app to get my Tax Documents. 
XXXX HAVE NEVER AUTHORIZED XXXX XXXX  TO GIVE MY TAX DOCUEMENTS TO CASH APP TAX*** This is very concerning to me. NOT only have i wasted days trying to recover my Tax documents form Cash App they are giving me a run around to get my Tax documents, and i still have not received them. there is a section on the Cash APP Tax app that list " DOCUMENTS '' however my tax forms are not in there. 

i have never authorize XXXX XXXX to give my tax documents to Cash app Tax. i do have supporting screen shots in my phone i can send the screenshots to an email if you wish to provide me with one.

i am already on my 3rd day trying to work with Cash App Tax and still have not received my tax documents. i want to sue them.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services LLC. XXXX XXXX XXXX. XXXX, GA XXXX. 
ATTN : EQUIFAX dispute department RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your  agency showed a credit inquiries that is problematic. The inquiry in question was apparently made by XXXX - CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing inaccurate depiction of my creditworthiness. Please update me with a full report on your endings within the next two weeks. I look forward to having this situation resolved as soon as possible. Thanks for your prompt attention to this mater, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

reference is made to CFPB complaints XXXX, XXXX and XXXX where I have sought a copy of XXXX XXXX XXXX full disclosure report, and where XXXX XXXX XXXX, in this latest round of month 's long series of failures on their part, have still failed to send a copy of XXXX XXXX XXXX 's report.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. 
The : following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$10000.00}, {$13000.00}, {$13000.00}, {$4500.00}, {$6200.00}, {$14000.00}, {$8700.00}, {$3400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- PERSONAL LOAN 4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

7. XXXX XXXX I with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account.
Complaint sub-issue: Account status incorrect

I purchased my home in XXXX. After my divorce, I eventually fell behind. I filed chapter XXXX in XXXX. Then I was furloughed from my job when XXXX hit. When I was again gainfully employed as a XXXX XXXX, I discovered that little other than lawyer fees were being consistantly paid by the trustee. I let my chapter XXXX dismiss in XXXX and signed an agreement with US Bank to rework my mortgage. I have been paying my mortgage in full and on time since then, but the account still shows as inactive, which is affecting my XXXX XXXX. A representative told me that once a bankruptcy has been filed, regardless of what happens afterward, US Bank no longer reports to the bureaus. I will soon be closing on this house and paying it off, and I want that and the last XXXX  months or so of an account in good standing to reflect on my credit report.
Complaint sub-issue: Information belongs to someone else

XXXX is reporting to equifax monthly since XX/XX/XXXX of an auto loan that is financed through them. When I went to purchase my car in XX/XX/XXXX I  was made aware of the XXXX account and several other accounts reporting to my credit report but only to equifax. All of the accounts that did not belong to me was from one individual however its only showing on equifax report. I have contacted the other 2 credit agencies and they dont have the information. Since then I have tried disputing I have contacted both equifax and XXXX and requested that they remove the account from my credit report but neither company is doing anything about it. I was able to have the other accounts removed from my credits by doing a dispute except this one account. Equifax is blaming XXXX  and XXXX  is blaming equifax. I am at the end of purchasing my first home but due to this issue my current buyer is backing out.
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/XXXX I received a notification from the credit bureaus in regards to a unknown collection account from XXXX XXXX XXXX XXXX in the amount of {$940.00}. I have no knowledge of this account nor do I have a contract with this company. I reached out the to company and asked for debt validation and to send my a signed contract with my signature and the agent disconnected the call. Contract callers attempted to collect on this fraudulent account as well and they weren't able to validate the debt it was removed from my credit file XX/XX/XXXX. XXXX XXXX purchased this fraudulent account XX/XX/XXXX and just reported it on my credit files XX/XX/XXXX. XXXX XXXX needs to validate this account with a signed contract with my original signature to show dates when this account was open. I've been on XXXX XXXX over and haven't been in the states I need to know who's using my information to open fraudulent accounts so that I can file charges with the proper authorities for identity theft.
Complaint sub-issue: Their investigation did not fix an error on your report

This debt is being reported in my credit report in Error. 
I had direct communication with XXXX stating that the amount of XXXX being reported was an error and was removed from my account.
Complaint sub-issue: Their investigation did not fix an error on your report

The credit bureaus failed to provide me with a proper investigation as well as provide me physical proof that the accounts I disputed was my account, I wrote to the three bureaus XXXX, XXXX, & equifax on 3 different occasions XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX requesting they Please send me copies of the documents that you have in their files as of this date that they used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in my file at the time of this request concerning the accounts that they are reporting in my credit report. As i understand, federal reporting laws, particularly the metro 2 data formatted reporting regulations enacted as a result of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. it is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have only current true accurate and physically metro 2 compliant information reporting, i do not authorize you to retain any other accusations of a adverse or derogatory nature, true or not. retain or return to requisite metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant info. already or not already rectified by the other major credit bureaus as mandated by law.thanks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and have violated my rights XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX In violation of : 1 5 U.S.C 1681 section 602 A. States I have the right to privacy.

1 5 U.S.C 1 681 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 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 than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not
Complaint sub-issue: Can't get other flexible options for repaying your loan

MRS collections called me and asked for my father ( he is my co-signer ) and I stayed I am the primary and to deal with me. He asked if my dad received a fedex package from him and I said I dont know. I confirmed my ID and he proceeded to tell me I am in a very dangerous situation and I feel that this is deceptive as I am not being sued and the loan defaulted one month ago. Danger to me infers I am facing harm. I feel this is deceptive language. He calls my dad often and says the same thing. We do not have {$23000.00} to settle this and payments are not an option and at this point I dont think we are in danger and I need them to stop saying we are. They are trying to scare me and my dad. They told both me and him that they are dealing with him only and this is his problem now and they are not going to work with me at all. They refuse to discuss payments at all and use language that implies we are in danger.
Complaint sub-issue: Problem during payment process

On XX/XX/2018 I sent the final payment to XXXX Credit Card ( phone XXXX ) to complete a 12 month special promotion. They claim they did not receive my check so I agreed to send a another check by overnight mail. They then cashed both checks, the one they claim they did not receive plus the one I sent overnight. 
They said they would send an electronic transfer to my checking account for the over payment. They have not done that as of today, although they said it would be an immediate transfer to my checking account. 
The amount I am owed is {$2200.00}. I have also incurred costs of late payment fee and USPS cost for overnight mail. 
In trying to resolve this issue, I have dealt by phone with two supervisors who 1. Lied about not receiving my first payment and 2. Lied about returning the overpayment. 
My payment record for over 40 yrs with XXXX, XXXX, XXXX is without blemish and I have credit score over 800. However, this is the second time Ive experienced this problem with XXXX  special credit promotions when they claim to not have received the final payment on time, so I accept personal criticism for being fooled twice. I believe this practice by XXXX Is intentional so that they can bill a late fee plus accrued interest. I sent the final payment in ample time to meet their required date. They of course can claim they did not get the check, how can the customer argue or have proof that XXXX did have the payment on time?
Complaint sub-issue: Information belongs to someone else

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. Bankruptcy Chapter XXXX-dismissed Equifax : XXXX.
Complaint sub-issue: Problem with customer service

I am in the process of my fourth and final year of my   XXXX   XXXX   obligation ( I literally would be done with   XXXX   XXXX   XXXX  on   XX/XX/XXXX  ), but as of  XX/XX/XXXX ,   my grant (  XXXX  ) was turned into a loan ( with an interest aroun d 7,000 ) due  to not turning my paperwork in on time. The reason I did not turn the form in was because last year I had an awful time with it. I sent it in 4 times before they approved it because they kept saying that I could not put a future date ( I kept putting that I finish in   XX/XX/XXXX  even though they want the form in  XX/XX/XXXX  ) s  o  this year, I decided to wait until the year was finished to turn in my paperwork because I thought the due date of the form was a mistake on their (  Fedloan 's ) part. I have attached the form and on page 2 y ou can see where they ask for the to and from dates.   To be honest, I 'm devastated, because this grant has basically determined my whole pas t 5-6 years. I added   XXXX   XXXX   to my degree to receive the  grant, I moved to certain locations to work at a  XXXX  that is   XXXX   XXXX   XXXX  accepted and I only took on positions that aligned with the requirements of the   XXXX   XXXX   XXXX  only to lose everything I worked for over a form. When I called to try to work this out, they brushed me off as if this was no big deal and acted like I had no options and that this was a done deal.   I guess I am e-mailing you just to see what you think my next step should be or if you know of any contacts at the federal level that could help me with this.