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

Equifax and XXXX should not be reporting that I am ( 30 plus ) days late on the XXXX XXXX partial account number XXXX. Equifax and XXXX should not be reporting that I am ( 60 plus ) days late on the XXXX partial account number XXXX ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.
Complaint sub-issue: Debt is not yours

I initially received a written demand for payment from ZenResolve, located at XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ, XXXX, stating that I owned a debt in the amount of {$1800.00} to XXXX  XXXX  and they they were hired to collect the debt. I did not take a loan with XXXX XXXX or any other lender for the requested amount and have no other loan debts other than my home mortgage and auto loan. Simply put, I never borrowed the money that ZenResolve said that I owed. 

I promptly called and then sent a letter to ZenRolve telling them that the debt was not mine and asking for copies of the purported loan documents. Shortly thereafter, ZenResolve sent me a letter setting forth " payment history on the account using your banking information with XXXX  XXXX  ending in XXXX '' along with purported loan documents. The purported loan documents contain my name and address along with email address and telephone number. The purported lender which is " XXXX, XXXX d/b/a XXXX  XXXX, an economic development arm of, instrumentality of, and a limited liability company wholly-owned and controlled by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... '' A copy of then letter and purported loan documents are attached. 

I have never had any account at XXXX XXXX XXXX XXXX. The telephone number and email address stated on the purported loan documents as mine are incorrect. The loan documents contain no information about me that is not readily available from the property appraiser 's website. 
The loan documents are unsigned and only contain my typed name. Finally, I have never heard of nor had any business dealings with XXXX, XXXX  XXXX  or the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I contacted ZenResolve and raised the following points. They did not affirmatively say that they would stop calling me at work and mailing me payment demands. They did however tell me that they do not report their debts to " collection agencies '' and that the debts they seek to collect to not appear on credit searches. This is very strange since their actual business is debt collection. Also, I can not think of a reason why a legitimate lender would not report a delinquent debt in a manner that would be reflected on my credit search. 

I believe that ZenResolve and/or XXXX XXXX are engaged in a fraudulent collection scheme where they fabricate loan documents based upon information readily obtained via public records and try to pressure people into making payment. 

I sincerely hope that you will look into this matter. 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Equifax and  XXXX  are not responding to my requests to investigate and remove one account from my credit report that does not belong to me.
Complaint sub-issue: Information belongs to someone else

THERE ARE ACCOUNTS ON MY CREDIT REPORTS RTAHT DONT BELONG TO ME. THE ACCOUNTS ARE FROM : 1 ) XXXX XXXX/XXXX # XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX ) CITCARDS CBNA # XXXX XXXX ) XXXX XXXX # XXXX
Complaint sub-issue: Was not notified of investigation status or results

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX. Inquiries : XXXX, XXXX XXXX.
Complaint sub-issue: Account information incorrect

XXXX XXXX # XXXX is reporting a late to my account that I should not owe. My XX/XX/19 late on this account was a result of a system error on their end, I made my payment online and was told the payment went through, however their system did not actually process the payment until the account was late. This late was not my fault and it needs to be removed.
Complaint sub-issue: Information belongs to someone else

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! 

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 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 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

I faxed an application for student loan forgiveness under XXXX on or around XX/XX/2022. 

I received a letter confirming the application had been received late spring or early summer of 2022. 

In XXXX or XX/XX/2022 I was notified that my account was being transferred to Mohela. 

I created an account and logged into the Mohela site. The website has an option to check the status of your XXXX application. Every time I checked, there was no report. The website said it could not track my application. 

I called twice, including in XXXX and XX/XX/2022. After extended hold periods I was assured by a customer service representative on each call that they could confirm in their system that my application had been received however due to the program being so popular and a backlog of applications the website was taking a long time to update. 

I called today, XX/XX/XXXX, but after an extended hold was told by the first line of customer service that they had no record of my application. " XXXX never transferred it over. '' I told them this was contrary to what I had been told by Mohela staff on the two previous calls.

I have now been on hold for two hours as I'm told I'm being transferred to " a specific supervisor. ''
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a hard inquiry on my credit report from XXXX XXXX XXXX  I'm confused because I don't even own a XXXX XXXX XXXX XXXX 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights.

15 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 a account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2019 - Hard Inquiry from XXXX XXXX XXXX XXXX , XXXX XX/XX/2019 - I discovered the inquiry on my credit report. This was unauthorized as I do not hold any accounts or services with XXXX  XXXX XXXX, neither past nor presently. I viewed many forums ( mostly on XXXX  XXXX XXXX XXXX website ) and confirmed that this is a widespread issue with many other non-customers receiving unauthorized/fraudulent inquiries from this company. Please note in all of these cases, the company would not attend their issue and redirected individuals to the Credit Bureau ( even to those who stated they had already done this ). XX/XX/2019 - I called XXXX  XXXX XXXX XXXX , XXXX. The XXXX  XXXX XXXX representative could not locate any information on this inquiry and instructed me to contact the Credit Bureau. XX/XX/2019 - I submitted a dispute with Equifax regarding this inquiry, stating it was Unauthorized. XX/XX/2019 - Investigation completed. The results are : Inquiries are a factual record of file access. 

There is no way for me to further dispute this as Equifax refers me back to XXXX  XXXX XXXX, and XXXX  XXXX XXXX refers me back to Equifax. Neither party is willing to resolve this matter which has left me ( and many others ) in an endless loop.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to EQUIFAX Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means EQUIFAX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$800.00}
Complaint sub-issue: Confusing or misleading advertising about the credit card

US Bank XXXX XXXX card : Misleading marketing about 0 % interest rate on balance transfer.
After balance transfer complete, entire balance ( transferred ) must be paid in order to avoid interest on new purchases. I was instructed on first call to pay minimum balance + all purchases from prior month and the next statement showed interest as well. After calling a third time, It was explained to me more clearly that UNLESS YOU PAY OFF THE ENTIRE BALANCE, you will get interest on new purchase. I found this language in the small print on the website.
Fine print : Important Facts Please review the promotional offer and/or your Cardmember Agreement for information regarding transactional fees and how interest is charged to your account.
Interest accrues from the transaction date ( unless the promotional rate is 0 % ).
It may take up to two weeks to process promotional checks or balance transfers. Please continue to make payments to those accounts you are paying with the balance transfer to avoid late fees and interest charges You can check to see if the balance transfer has posted to your credit card account by logging in to Online Banking.
You can only avoid interest on new or future purchases if you pay your entire account balance, including any balances you create with the balance transfer offer ( s ), in full by your due date each month, even if your offer has a 0 % APR ( Annual Percentage Rate ).
If your account is set up to be paid in full each month automatically, you will need to modify this option on your account or your entire balance transfer balance will be paid off in full on your next payment date.
You can not use a U.S. Bank balance transfer to to pay off a U.S. Bank credit product.
Complaint sub-issue: Debt is not mine

Calls my house under a " spoofed '' number, hangs up, calls back and threatens to sue me If i do n't pay a debt that I do n't owe. Have told them to Cease and Desist all contact.
Complaint sub-issue: Funds not received from closed account

I run an XXXX XXXX XXXX that requires heavy capital and constant rotation of money. My bank, citibank, closed my account without any notice at all, and when i tried to contact people in person at my local branch, they said that i had to contact the fraud department. Whenever, i ask them for a time span of when i am most likely to receive my funds, they say 30-60 DAYS, which is an insane amount of time, that XXXX is stuck inside my account, that cant be touched by me. They are unwilling to help me in anyway and are very disrespectful and vague in their answers. When I call the fraud department of citibank, they say that i just need to wait for the letter, which again, can arrive within 30-60 days. I will never do business with this bank again, i just want my money. Not only, am i ruining my own credibility from my suppliers in my business because of bounced checks and wires. Not only has this incident damaged my own personal savings and ability to generate money, but also my credibility as a well established business.
Complaint sub-issue: Account information incorrect

For the preceeding reasons among others, I here now EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY REPORTED be reported and DEMAND any deficiencies be ERADICATED else wise. I DEMAND in this lawful request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid or not. OBVIOUSLY at a bare minimum any alleged reporting data furnisher would be necessarily required to at least be able to verify my complete file information EXACTLY AS I HAVE INDICATED ABOVE and NO OTHER WAY including full First and Last names, my current correct resident address Street Number and Street Name as well as City and State, my factually correct date of birth and the factually correct last four of my reported SSN #. ANY DEFICIENCIES require IMMEDIATE and COMPLETE ERADICATION of reporting PERMANATELY! 

Delete reported data NOT certifiably COMPLIANT XXXX   XXXX - XX/XX/XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX   - XXXX - XX/XX/XXXX
Complaint sub-issue: Account information incorrect

I sent an email to equifax that the car loan with XXXX was paid in full and should not be showing an open balance. I got the run around that I had to send another request to someone else. I think that is hog wash. The ball is still in their ball park. They should have taken the initiative to forward that email to the correct person. They are the ones who have it wrong. I should not have to go through a song and dance with 20 different people. I think these so called credit bureaus have too much power over information that should be more readily available. The account has not been updated since XXXX of 2017 when the account was paid in full. I am trying to get my credit score repaired so I can get a reliable car.
Complaint sub-issue: Reporting company used your report improperly

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

15 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 a account without my written instructions.

This account has passed the statute of limitations.

This account has inaccurately reported two different kinds of account numbers.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX USA Account number XXXX The following account is reporting incorrectly on my consumers profile, According to XXXX XXXX and The FCPA you are suppose to report information, Timely, Accurately & Verifiable. This has cause detriment to my reputation and because of the confusion you have caused I'm asking for you to delet these late payments on my profile for the simple fact its not consistent, Its not true, it's damaging my life, this is incorrect and you guys have it wrong and according to the rules you must delete. This should be the same accross all consumer agencies, but it is not.
Complaint sub-issue: Account status incorrect

I recently pulled my credit report and to my amazement saw that XXXX XXXX have decided to report me 60 days late on this account in XX/XX/XXXX. I have previous credit reports from both agencies pulled in XX/XX/XXXX, and neither one of these reports show me late in XX/XX/XXXX. Not only was I never late on this account, but according to the FCRA, as amended by the XXXX XXXX, you are required to notify me of the insertion of negative listings. I never received such a notice. 

I talked to a supervisor ( XXXX XXXX direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. He promised to send me a payment history of my account. I never received such documentation. The results of my dispute and my have just come in, and both say verified. How is this possible? You werent able to provide me with anything. Reporting inaccurate information is also a violation of the FCRA. 

In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for reporting inaccurately.
Complaint sub-issue: Their investigation did not fix an error on your report

This is the second time in less than a year that Equifax has allowed fraudulent, negative information to remain on my credit report despite providing documentation the information is incorrect : Equifax reference # XXXX XXXX XXXX amount {$74.00}. Both XXXX and XXXX expeditiously removed the false information. As I told Equifax, I regularly do business with the company XXXX XXXX and have canceled services with them at a few locations with no issue. However, the last time the company lost my payment record. I contacted XXXX with the evidence of payment and proof of disconnection with confirmation number, ultimately they sold my account to a collection agency. I attempted to contact the collection agency to no avail hence they attempted to place a negative mark on my credit. As stated, the only credit reporting agency that gives me issue is Equifax. This company should not be able to operate. How many times have they been cited for improper handling of credit information that, frankly, no creditor gave permission for them to have in the first place?? I want this removed from my credit as I have more than enough proof I paid this in full in the first place. Equifax is irresponsible with peoples personal data, their incompetence and laziness affects individuals livelihood, they should be investigated and shut down.
Complaint sub-issue: Their investigation did not fix an error on your report

DEPTEDNELNET **** Opened Date XX/XX/2012 Balance {$1600.00} DEPTEDNELNET **** Opened Date XX/XX/2012 Balance {$2000.00} As a consumer, I now have rights that are provided to me to guard me through misinformation being disclosed on this credit report. At this moment I would like to have a previous inquiry for examination before I seek the advice of my attorney for tips on how to deal with inaccurate and unverifiable items that are ongoing to be shown as legitimate. Please don't hesitate to present me along with a copy of the agreement approved or voice chat where I allowed billing me with this account.
Complaint sub-issue: Problem with paying off the loan

I was leasing XXXX Volkswagen XXXX, and i traded-in this car to XXXX XXXX XXXX at XXXX XXXX, Ca. on XX/XX/XXXX The dealer paid {$20000.00} to VW credit that was cashed to them on XX/XX/XXXX On XX/XX/XXXX I received a notification from the credit bureau that VW reported me with 30 days late payment. 
I called them and they informed me that they got the amount but they didn't applied to my account because they are telling me that the amount was not correct, and the amount for the customer payoff id different than the dealer pay off. 

I called the dealer and the dealer called them and they informed the dealer that there is a shortage of amount equal to {$810.00}. 
The dealership asked me to pay this amount because the pay off invoice they got from VW credit was not correct. 
and VW is telling me that the dealership wrongly requested the pay off and they will not close my account. 

Now I am stuck in between the dealership and VW credit company and this impacting my credit score and rating and hurting me financially. 

Please note that my monthly payment wit VW was about {$410.00} / month. They got {$20000.00} on XX/XX/XXXX, they elected not to apply it to my account, and still reporting me with a late payment to the 3 credit bureaus, only because the have remaining amount required from the dealer.
Complaint sub-issue: Investigation took more than 30 days

I've been trying to get this issue resolved for months. I haven't had any response from this company at all. I sent a letter on XX/XX/XXXX and another letter on XX/XX/XXXX. Prior to these two letters I've sent a couple letters and numerous phone calls.
Complaint sub-issue: Information belongs to someone else

This is my multiple request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX BV XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$380.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX
Complaint sub-issue: Problem accessing account

I opened an XXXX XXXX account with citi, and provided full instructions at opening time itself on how to transfer funds to the Savings account. Trial verification deposits were made by Citi to my XXXX XXXX account and then withdrawn as expected. 
When I tried to login to my new Savings account, Citi 's absolutely website does not allow me to do ANYTHING with my new Savings account ... can't change ATM PIN nor allow me to validate/confirm my external Savings account. SO after trying to manage this across 3 computers and 4 types of web browsers, I call Citi who make it so IMPOSSIBLE to talk to a human being for a Savings account ( they actually don't even have a Savings acct option in their phone systems ) ... the rep tells me that I need to create a new profile to login and use my Savings account. I go and try to do that, and am again blocked by Citi 's site from doing on. So I go to Live Chat and they tell me unlink the Savings from the current web profile. I do that and then try to register for a new profile for Savings alone and the not-helpful at all website again blocks me saying I can not create a new profile for Savings. So I call in to customer service and they are simply not helpful and disconnect the call ... worthless service there too at all channels. All this was done so that Citi can charge an honest citizen the fees by not allowing me to deposit the requisite amount in time.