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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XXXX XXXX XXXX XXXXXXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXXXXXX XXXX {$370.00} XXXX XXXXXXXX {$3700.00} XXXX XXXX XXXX {$5200.00}
Complaint sub-issue: Debt was paid

I had an outstanding bill with XXXX. The bill was directly paid through XXXX. IC Systems reported a collection account on my credit attempting to collect the same debt through XXXX. When I spoke to a supervisor at IC Systems, I requested that the collection be removed from my credit because I did NOT pay IC Systems. Rather than IC Systems removing the collection account they sent me a receipt stating that I paid a balance in full of {$1200.00} to them. Which is false. I never agreed to paying IC Systems, i never paid IC Systems. The payment was with XXXX and ONLY XXXX. This has negatively impacted my credit by lowering it more than 30 points, which has also risked my purchase of a new home!!
Complaint sub-issue: Account status incorrect

During XX/XX/2017, XXXX XXXX negotiated with Citibank - XXXX  regarding my outstanding balance. An agreement was reached and I have been paying my payments monthly since XX/XX/2017 without any interruptions. However, Citibank is showing my account as a charge off even though they are currently taking and receiving payments for my account. This is causing stress and time to continually go back and forth with Citibank that I hired The XXXX XXXX to help. To this date, The XXXX XXXX have not been successful either. Please resolve.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information. I am listed as a potential victim of a security breech according to their equifaxsecurity2017.com website, and would like a resolution that does not require me to enroll in their services due to their history of mishandling personal information or absolve them of their liability.
Complaint sub-issue: Didn't receive services that were advertised

Having been affected by the hacking breach of Equifax, I have yet been able to sign up for their credit protection offered after their breach. Their website is yet to be working.
Complaint sub-issue: Information belongs to someone else

Saying I owe {$2.00} in debt actions nothing.
Complaint sub-issue: Information is not mine

XXXX is not mine please remove from all XXXX reports
Complaint sub-issue: Account information incorrect

Per the FCRA, credit reporting agencies are supposed to report/provide complete and accurate information for accounts placed for collection, charged to profit or loss, etc. Per the attached consumer report, XXXX XXXX  XXXX account has incomplete and inaccurate information which puts Equifax in violation of my rights as a federally protected consumer. 
There is a date of last payment reported, but no last payment amount reported. If there was a last payment made, what is that amount. Why is it not being reported? 
Also Equifax is stating that this alleged account was opened XX/XX/XXXX but according to the payment history table, there is no data for the entire month of XXXX. Where is this data? The payment history starts XX/XX/XXXX, which is different from what is stated. 
There is no account number for this alleged account? What is this information? 
Date of last payment on this alleged account is stating XX/XX/XXXX, this also does not correspond with the payment history chart. If this was the correct last payment then there shouldn't be 120 days past due for the months of XXXX, XXXX and XXXX of XXXX. 
This alleged account, is still showing inaccurate and incomplete information on my consumer report. The date is XX/XX/XXXX and this alleged derogatory account has been on my consumer report for several years. Delete this immediately. Equifax is in violation of my rights as a federally protected consumer for reporting inaccurate and incomplete information.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX I sent out dispute letters for XXXX account to be investigated. It is a closed account on my report still showing a past due balance which is inaccurate reporting. They auto verified my dispute without giving me the proper documents that I requested in the dispute to prove that this account was indeed correctly stated as mine. I would like this to be reinvestigated as soon as possible. This account needs to be removed.
Complaint sub-issue: Debt is not yours

I did not know about this debt till I received a letter from ERC near the end of XXXX. The debt is not valid and they posted this as a past due debt on the 3 Bureau Credit Reports without informing me of the debt. this is now being reported as a deregatory item even though this was not communicated till late XXXX. 

I contacted ERC and stated this is not valid and that the debt needed to be removed. i told them i would file complaints and take necessary legal action for this erroneous Credit Reporting actions they took without ever communicating the debt. They stated I had to prove that I did not owe the debt. Which I stated no, you need to show me this is a legitimate debt and they had no evidence to provide.
Complaint sub-issue: Attempted to collect wrong amount

Back in XXXX I financed a vehicle through Titanium Funds in Utah. After 2 years of on time payments I fell on hard times and the vehicle was repossessed. They resold the same vehicle less than a month later as it was parked across the street from my house and the key fob I had still worked, I talked to the new owner that got it through the same dealership and finance company and gave him the extra key. To this day I'm still being garnished for that vehicle, they have collected over {$12000.00} from me, and XXXX know what they have collected from others on the same vehicle. My biggest issue is on the only credit report of mine it shows on, the last balance they reported in XXXX of XXXX was less than {$3000.00}, but on the garnishment paperwork they are wanting to collect over {$5000.00}. My most recent check stub shows I have paid just over {$2000.00} and there should be only 1 more payment to be taken. I fear they are going to keep collecting as much as they can. Please please help me put a stop to this.
Complaint sub-issue: Problem during payment process

XX/XX/20 - PAYMENT OF {$7200.00} MAILED UPS TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/20 - PAYMENT DEPOSITED - I HAVE A COPY OF THE DEPOSITED CHECK XX/XX/20 - LETTER SENT TO CITI BANK ADVISING MISSING PAYMENT ACCOUNT NUMBER XX/XX/20 XXXX CALLED CITI TO FOLLOW UP ON MISSING PAYMENT XX/XX/20 XXXX CALLED CITI TO FOLLOW UP - WAS ADVISED A PROVISIONAL CREDIT WOULD BE PLACED DURING THE INVESTIGATION HOWEVER NO CREDIT HAS BEEN PLACED AND CITI STILL HAS NEVER CONTACTED ME ABOUT THE DISPUTE. IN THE MEANTIME I HAVE RECEIVED INTEREST CHARGES AND A LATE FEE.
Complaint sub-issue: Account status incorrect

I opened a credit card account with XXXX in XX/XX/2021 this account was open for XXXX months with payments successful, however XXXX and XX/XX/2021 I asked the bank to lower my monthly payments in an effort to stay current with my payment agreement. The bank agreed yet on my credit report months later the account reflects XXXX negative past due balances in XXXX, XXXX and XXXX but positive on time payments in XXXX, XXXX and XXXX.
Complaint sub-issue: Account information incorrect

On XX/XX/2022 I wrote XXXX, XXXX, and Equifax credit reporting agencies via certified mail ; informing them of the inaccuracies they were reporting on my credit report. They failed to reply within 30 days so I sent them a follow up certified letter on XX/XX/2022 and still they did not address the inaccuracies they are reporting on my credit report. It is becoming very frustrating for me. These companies are reporting inaccurate information about my credit history and are giving me a very hard time in correcting their errors. I have attached copies of the letters for your records.
Complaint sub-issue: Can't close your account

Ive applied for a citi bank credit card on XX/XX/2019 to try and start up a credit line. I got a letter basically telling me that theyve denied my request. So on I went to my personal bank and I got approved for a credit card, told me to download XXXX XXXX. Went on it showed that I have a inquiry from Cbna. Which by the way I do not have any accounts with them.
Complaint sub-issue: Account status incorrect

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Complaint sub-issue: Was not notified of investigation status or results

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance.
Complaint sub-issue: Debt is not yours

Back in XX/XX/2018 my daughter had to move out of a student housing facility due to illegal activity that was going on at the facility. The manager was alerted and did nothing to address this and as a result she moved out before her contract was up. I had called and spoke to management multiple times from XX/XX/XXXX to XX/XX/XXXX regarding the contract and that we should not owe this debt since they were negligent and broke their own contract. As a result they sent me to Pro Collect ( collection agency ) out of XXXX, TX. I received a collection letter on XX/XX/XXXX for collection. I retained an attorney and sent a letter of dispute to Pro Collect on XX/XX/2018. I also sent a letter to the Student housing complex ( XXXX XXXX XXXX ) as well. I received a cancellation letter back from Pro Collect on XX/XX/2018 stating that the account has been canceled and I not longer owed this debt and the request was made to have it removed from the Credit Bureau and it was returned to the original creditor. I applied for a loan on XX/XX/XXXX and this debt was still on my credit report. I have contacted Pro Collect multiple times regarding this and I was informed that I could only email a person by the name of XXXX XXXX ( collection manager ) and that he was the only one that I could correspond with. I sent an Email to him on XX/XX/XXXX stating this was not longer owed and that their company has sent a cancellation letter. On XX/XX/XXXX XXXX XXXX sent back an email stating that I owed the {$1400.00}. I then sent another email back to him on XX/XX/XXXX stating that I didn't owe the debt and that his company had sent the cancellation letter. I have sent emails back on XX/XX/XXXX and XX/XX/XXXX asking of I need to send a copy of the cancellation letter to him. I have not had any response from him and I have tried to talk to someone else at Pro Collect and they always say I can only email XXXX XXXX and no one else there can help me or have access to my account with them. I still am waiting for a response. I have included letters that were sent to XXXX XXXX XXXX and Pro Collect as well as Emails to XXXX XXXX  ( collections manager ).
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I HAVE SENT OUT COUNTLESS LETTERS TO ALL OF THE CREDIT COMPANIES AND THEY REFUDE TO COMPLY WITH MY REQUESTS TO REMOVE THE HARD INQUIRIES FROM MY CREDIT REPORY BECAUSE SOME HAVE BEEN DISCHARED THROUGH MY BANKRUPCY AND SOME ACCOUNTS HAVE BEEN PAID OFF... BUT THEY ARE ALL STILL ON MY CREDIT REPORT. I KNOW THAT THE XXXX XXXX XXXX BANKRUPCY WILL REMAIN ON MY CREDIT REPORT FOR UP TO 10 YEARS THE HARD INQUIRIES ARE STILL ON MY CREDIT REPORT BUT HERE IS A LIST OF THE HARD INQUIRES THAT WILL LIKE TO HAVE REMOVED ... ... ... .... 

*XXXX XXXX ( XXXX XXXX THIS IS PART OF THE BANKRUPCY ) *XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX ACCOUNT WAS PAID OFF AND PART OF THE BANKRUPCY ) *XXXX XXXX ( XX/XX/XXXX ) -I NEVER OPENED AN ACCOUNT WITH THEM AND NEVER HEARD OF THEM BEFORE ( {$530.00} ) XXXX XXXX XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM AND NEVER HEARD OF THEM BEFORE ( {$620.00} ) *XXXX ( XX/XX/XXXX ) I DO NOT EVEN KNOW WHAT THIS ACCOUNT AT ALL *XXXX XXXX ( XX/XX/XXXX ) I NEVER OPEND AN ACCOUNT WITH THEM *XXXX XXXXXXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM *XXXX XXXX  ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM *XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM *XXXX XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM OR HEARD OF THEM BEFORE *XXXX  ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT OR HEARD OF THEM BEFORE I WOULD REALLY WANT THESE HARD INQUIRES REMOVED FROM MY CREDIT REPORT OR I WILL BE FORCED TO FILE THE NECESSARY PAPERWORK TO FILE A LAWSUIT THANK YOU
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 3 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 accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

MyFedLoan Servicing is a poor company to deal with. This all took place within 3-4 months of XXXX-XXXX 2017. I had to re-certify my income payment and was first given an out of date application, which took a month to hear back from them. My second application was completed wrong and I never heard from them, when I called to check, I was told everything was being processed fine. I had to put my loan on forbearance for 2 months, accruing interest of over {$800.00} because of the job they did. After 3 months of going back and forth, I finally received my new payment amount and it is 3x 's as much as I paid last year.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent itemsin my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on XXXX/XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 7 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Can't close your account

PNC Bank, ( Ref # XXXX ) This reference number was provided by PNC in a letter dated XX/XX/XXXX. 

I have a performance checking account with PNC which I've had for many years now. I opened two virtual wallets accounts ( Opened I believe in XXXX ) for my Sons as well that were connected to my checking account. My eldest son was victim to fraud activity on XX/XX/XXXX. There was over {$3000.00} dollars in fraudulent charges to his account. Apparently, someone deposited a check and went to different ATM 's to withdraw cash and several other transactions. 

He contacted PNC to dispute the activity and was told that someone would contact him back. This has not happened and provisionally credit has not been given and furthermore PNC has refused to allow me and my sons the right to close the accounts. They have taken everything I have in my account to cover the fraud charges on my son 's account. They have also taken the money from my youngest son 's account as well. I am in the process of buying a home and I need this to be resolved asap. 

I believe that this is a violation of the Regulation for failure to offer the provisional credit also for failure to initiate the dispute upon his initial phone call. Additionally, this is a violation for failure to notify me that they were placing a hold upon my account. I have mortgage payments, car note, etc that will face NSF charges because they would not allow me to close the account until they recover the money that was taken via fraud. This is unfair and is causing me and my family stress. We would like to have this issue investigated asap. And someone from PNC corporate office to contact me to resolve ASAP
Complaint sub-issue: Their investigation did not fix an error on your report

It was reported on my credit reports that I was late 60-90 days late on my student loan # XXXX with AES XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX. I applied for a forbearance due to XXXX and out of work for 3 months which was approved by AES until XX/XX/XXXX. I sent AES an inquiry as to why they reported to the credit bureaus that I was late and they sent me a letter stating that they did not report any late payments to the credit bureaus. I demand this account be removed from all 3 of my credit reports
Complaint sub-issue: Contacted me after I asked not to

I was harassed by Title Max Corporation of Nevada, XXXX representatives from the company ( XXXX including branch manager ). These individuals came to my place of residence asking for payment, trespassed onto a gated company. Discussed my financial matter with a family member. The account had been delinquent for 15 days. Every employee continue to contact regarding a title loan that is currently in default. I started making my phone calls the appropriate departments and I am refusing to pay any more on a contract that 's violated FDCPA regulations XXXX. 

I believe these individuals have been engaging in illegal debt collection policies and practices. Their engaging in loan agreements that surpass the allowed length of a title loan agreement.
Complaint sub-issue: Investigation took too long

The investigation of my discharged bankruptcy and unauthorized inquiries by the credit bureaus have been extended for more than 45 days. No validation from the credit bureaus or validation from the companies that the credit bureaus gave access ( to my credit file XXXX XXXX XXXX ) has been given in writing. No validation of Debts has been given at all by XXXX, XXXX, XXXX and XXXX XXXX. BY law You MUST delete the discharged bankruptcy and all accounts in the discharged bankruptcy and ALL the unauthorized inquiries ASAP