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

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINICIPAL IS NOTICE TO AGENT Exquifax you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 
1. XXXX XXXX XXXX 2. XXXX XXXX  - {$24000.00} The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 

You and your inaccurate reporting have damaged my livelihood 15 U.S Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact PROHIBITION : a law or regulation forbidding something As defined by the IRS Even if you didnt receive a form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition The IRS clearly says a cancelled or charge off is income. The reporting of this account as a debt is inaccurate.

15 USC 1681 s-2 says you Exquifax are a furnisher of information to a consumer reporting agency.

YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately.

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

If you continue to report this account this is considered willful noncompliance.

15 USC 1681 s-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A persona shall not furnish information relating to a consumer to any consumer reporting agency if - ( ii ) the person has been notified by the consumer, at the address specified by the person for such notices the specific information is inaccurate ; and ( ii ) the information is in fact inaccurate.

In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact inaccurate.

The continued reporting of this inaccurate information is a clear violation of the law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.

You have caused me and my family severe harm due to your negligence and inaccurate reporting.

This a final opportunity to cure and delete this erroneous inaccurate account from my consumer report.
Complaint sub-issue: Other problem

The credit card company Upgrade is breaking laws. They are not putting interests on statements and do not include all charges on the statements. They do not put your interest charges on the statements. Every time a payment is made interest is automatically charged to your account instead of once per month and it does not show the charge on your statement. This can be very confusing because you don't know why your account balance has gone up and your can't find the transaction that made your account go up, because they never put it on the statement. I always keep track of all my credit card accounts. And this account is hard to keep track of. One day your balance will be XX then the next day all of a sudden your balance has gone up with no transactions and it is the interest they charged but does not put it down. Your interest charges are no where in your statements or account. What they are doing is illegal and I think they are trying to scam customers. They never show you what your interest for the month. You have to do all the math to find out. You have to take last month 's balance, add all your transactions and subtract your payment to find out what extra amount was applied to your account ; which I can only assume is your interest. I don't know, because it doesn't say.
Complaint sub-issue: Reporting company used your report improperly

I the consumer declare that in XXXX XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed XXXX and Discover accounts and hard inquiries ( XXXX/XXXX, XXXX XXXX, XXXX & XXXX XXXX XXXX ) I did not open or recognize and did not authorize and origination dates that are clearly erroneous. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission since XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.
Complaint sub-issue: Account status incorrect

My student loan reportings negatively affect me because it looks as if I've defaulted on several accounts, when there was only ONE, and that ONE is paid in full. I've satisfied the debt, I'm experiencing the following : - Loan appears multiple times, although only one loan was secured - Some of the student loans report as " Open '' although the balance is " {$0.00} '' and should be " Closed '' - Many payments are incorrectly reporting as current lates The following companies are involved : - XXXX  XXXX XXXX ( Listed 4 times ) - XXXX XXXX XXXX XXXX ( Listed 2 times ) - XXXX XXXX XXXX XXXX XXXX ( Listed 2 times ) - XXXX ( Listed one time ) I'd like to buy a home and secure business lines of credit to grow my business, and I can not as a result of these reportings.
Complaint sub-issue: Information belongs to someone else

Please remove the following fraudulent charges from my profile. Also the only name that I go by is XXXX XXXX. Any other names are fraudulent. 

Accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

PNC is actively reporting a line of credit as a defaulted and charged off mortgage to the credit bureaus. It is being classified as an M9 by the credit bureaus. After numerous attempts, there is no one individual at PNC who can navigate an issue from XXXX when PNC inherited the errors. 


I first spoke with Customer Service ( XXXX, XXXX, XXXX @ XXXX ext. XXXX ) and said I had the Recorded instrument with the Satisfied Stamp to prove the equity line was paid off in XXXX. One individual told me they arent XXXX XXXX but PNC, not knowing of prior mergers. All were unable to help and did not call me back. 

My second attempt with an XXXX XXXX was unsuccessful so I contacted a local branch with a Mortgage Broker office. There I spoke with XXXX XXXX ( XXXX ) XXXX. He informed me there was nothing that could be done and failed to provide any avenue to help resolve the error. 

Overview of error : With the many mergers ( XXXX became RBCXXXX XXXX then RBC Bank XXXX then PNC ) there was an error in the transitioning. 
The original credit line was opened with XXXX as an Equity Line for {$80000.00}. This was paid in full XXXX of XXXX. 
There is public documentation of RBCXXXX Certificate of Satisfaction for the Equity Line, paid in XX/XX/XXXX with the Register of Deeds ; with the merger of the two banks this has been overlooked by PNC. 
There is public documentation of the property used to secure the Equity Line being sold and transferred free of liens to the new owners XX/XX/XXXX. 
The account was then converted to an open line of credit, paid in full XX/XX/XXXX. 
We have not, nor ever have defaulted on a mortgage or credit line. 

We have documents showing a clear paper trail that begins with an equity line secured with property, a filed note of satisfaction from the payoff, a bank statement showing a zero balance and a clean transfer of ownership to the new owners, all ending in XX/XX/XXXX. 

The current RBC/PNC reporting to the credit bureaus needs to be changed from a charged off mortgage to a paid in full line of credit from XX/XX/XXXX up to the payoff in XX/XX/XXXX. 

Because of the age of these transactions, we were not aware of the reporting code M9. We had no need to apply for credit until we were refinancing our home in XXXX of XXXX, which was when we were informed how detrimental this error was to our credit report. In the end, it cost us points on our new mortgage and have probably had poor credit scores due to our supposed default of a mortgage.
Complaint sub-issue: Their investigation did not fix an error on your report

I have notice multiple late payments on my department of education, XXXX  student loan account. I have been a XXXX XXXX XXXX at XXXX XXXX XXXX University. My account is deferred until I graduate. There is no way I should have any late payments associated with my account. Please remove them immediately.
Complaint sub-issue: Billing dispute for services

I personally filed a police report regarding identity theft/fraud. 
I sent a letter and the police report number Case # XXXX, attached with my valid Id and a current copy of my credit report, along with FCRA 605B ruling. I sent this certified mail - Equifax - XXXX, XXXX XXXX, XXXX  XXXX to all three credit agencies. 
I spent {$39.00} on certified mail, it has been over 30 days on ( XX/XX/18 ) and the accounts are still there. When i contact them they all state the accounts are valid. when clearly then can see it was related to fraud case. Refusing to suppress those accounts.? 

This is causing so much stress and frustration. plus i have lost a chance to secure a solid job. due to these delinquent account that are not related to me. in fact the only person behind this was my ex husband
Complaint sub-issue: Information belongs to someone else

There are numerous items listed on my credit report that are erroneous and inaccurate. This is having a serious negative impact on my overall credit worthiness.
Complaint sub-issue: Their investigation did not fix an error on your report

This is becoming a serious issue. Your company has still not followed the instructions that were clearly stated in my letters that were sent on XX/XX/2021. I demanded that you produce for me the original consumer contracts bearing my signature for that accounts that were listed in my letters through physical verification which you were required to do by federal law per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Till this day I have received NO original consumer contracts bearing my signature on it at all showing that those accounts are indeed verified and accurate. All you did was complete the disputes and said that the accounts were verified without providing the information that I demanded. As a consumer, I am completely disgusted at the fact that you have openly committed federal violations as if I don't know my rights as a consumer. This violation is grounds for immediate deletion of all accounts that were listed in my disputes. since you want to XXXX XXXXXXXX and stall with my disputes and pretend as if you clearly cant read, I'm evoking my rights as a consumer Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) ( 2 ) I demand that you remove all accounts listed in my letter because i have not given you any permission to report any accounts onto my consumer report in the first place. i have attached the first dispute dated XX/XX/2021 as evidence and my new letter dated XX/XX/2021 containing the 3 accounts that I'm demanding be removed. if you decide you want to ignore or stall with my request I will file a law suit requesting monetary relief for the damages of your inaccurate reporting as well as the clear violations you have decided to commit.
Complaint sub-issue: Debt is not yours

I contacted Jefferson capital in regards to an account. I asked them to verify the account In which they sent me a paper showing a breakdown Of costs but nothing with my signature on it or anything. I contacted the bureaus and they keep updating the Jefferson account but wont remove it. I had 2 collection accounts with them they removed only one and not the other.
Complaint sub-issue: Information belongs to someone else

Failed to remove the remaining fraudulent accounts.
Complaint sub-issue: Debt is not yours

I have attempted to resolve this matter with this company since 2015 and have not been able to do so. This company is still reporting debt under my name for something I am not responsible for. I have attached a copy of the contract they sent as " proof '' of debt along with a letter I sent to XXXXn for their review of this item. This fraudulent contract does not contain my signature, therefore making it invalid and proving that this company is trying to collect a completely fraudulent debt. Please make this company delete this item from my credit history once and for all. Thank you.
Complaint sub-issue: Other problem

I was told by Citibank that I could apply for the AA mileup card and pay for a trip I had on hold so I could get double miles. I was approved on XX/XX/19 and have a confirming email stating my credit amount approved that was effective as of XX/XX/XXXX, but it only shows the last 4 digits of my card. Tried for 3 days to pay for it with this approval and was told by Citibank all I needed was the last 4 digits of the card number plus my frequent flier account number to pay for the reservation. AA would not accept that and wanted my full card number that Citibank would not provide. I was later told if I would have signed up for the annual fee product that I would be given a temporary number to use to book the flight, but that this product doesn't allow it although no one told me this before signing up and none of the literature says so in the mail offer I received. I also was told on XX/XX/XXXX by a Citibank Rep that I should be able to book the flight with the last 4 digits in my approval email and my FF number which is a lie. I was able to convince AA to extend hold til XX/XX/XXXX, but price went up so had to buy on XX/XX/XXXX or would have to pay more for the ticket. 

So they bait you with the card and don't make it possible to use til 7-10 days after they say you are approved. Deceptive and illegal practices. And they would not cancel the card either when I requested since they claimed their system didn't allow them to do so! 

All I can do now is refuse card when it comes since I couldn't use when needed and now have a credit check hit.
Complaint sub-issue: Didn't receive enough information to verify debt

I requested that this company validate the debt by asking for certain documents including the following ... agreement with the original creditor that authorizes you to collect on this alleged debt the original contract bearing my signature stating that I have agreed to assume the debt, the debt agreement stating the amount of the debt and interest charges, the complete payment history on this account along with an accounting record of all additional charges being assessed, proof that the company is licensed to collect in my state, which is Alabama and the license number and Registered Agent for my state, which is Alabama. I did not receive documents that validates this debt. In addition, the company is reporting this account differently with all three credit bureaus, which I disputed, and the company verified. Different information with three different companies can not all be accurate, so it is very clear that the company verified inaccurate information.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

i used to have a checking account number ending in XXXX i want to pay the negative balance but the bank refuse to take money the bank employee they have order from excutive not to keep the bank account open, two of XXXX bank employee successfully closed the account pursuade two federal XXXX govt offical who told the bank to close the account to punish me they have big the main federal govt offical who is XXXX in XXXX and one in other state through out the investigation the real story will come out
Complaint sub-issue: Reporting company used your report improperly

I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THESE ACCOUNTS.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX, I reached out to XXXX via telephone to request paperwork to extend my deferment. I was told that I would receive it via email. It never came ( and I did check my Spam folder multiple times ). I reached out again XX/XX/2018 and again was told they would send it via email - it never came. I called again in XX/XX/XXXX and the representative let me know that I could request the extension online. I immediately completed the request online and it was processed to be in effect retroactively. 

I am now in the process of purchasing a new home and discovered that only has my credit score taken a hit hit, but I have 6 late payments on my credit record. I've contacted XXXX multiple times in XXXX and XXXX and this will not assist me in clearing up my credit report. They have informed me that even though the deferment was applied retroactively, the payments are still considered late. This makes no sense as per the deferment there were no payments due. They are rude and extremely unhelpful on the phone. I am about to lose a lot of money and a custom built home because of this. As someone who has an excellent payment records on all my other accounts, this is extremely distressing to me and very unfair. I have filed a formal dispute with them, but based on my phone calls with them, I don't have high hopes that they will do the right thing and correct my report.
Complaint sub-issue: Debt was paid

I was sent by my doctors to receive an XXXX after my XXXX. I was covered my medicaid and XXXX at this time. However, my plan had changed from " XXXX woman '' to " XXXX mother. '' This did not affect my coverage. Simply the number of my policy. The hospital tried billing my old policy number and was informed that i was not covered in that plan anymore and billed me. I provided the new information, and was told IN XXXX, that this debt had been paid for and cleared. However, the calls have not stopped.
Complaint sub-issue: Their investigation did not fix an error on your report

Acct # : XXXX Acct type : Medical Collection  Furnisher : XXXX XXXX XXXX XXXX Dispute type : Incorrect information I requested to remove incorrect information from my credit history many times. Equifax always responded the same template to me with only updated day/month and referred me to XXXX ( a collection agency which doesn't respond to my requests as well ). I requested for a description of the procedure used to determine the accuracy and completeness of the information, and I never received any response. DEFINITELY, THE DATE OF 1ST DELINQUENCY IS INCORRECT, BECAUSE THERE IS NO STATEMENT VERIFYING IT, AND I ASK FOR A DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION BY THE CALIFORNIA LAW.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XXXX XXXX, Equifax / XXXX / XXXX has not responded answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX XXXX XXXX : {$110.00} i believe were reporting in error.
Complaint sub-issue: Account status incorrect

I am filling a complaint against EOS CCA debt collector for my XXXX account. I contacted EOS CCA on XX/XX/22. The full balance of the account was {$1300.00}. I was granted a settlement to pay 60 % of the balance. I paid {$820.00}. I was provided a confirmation number XXXX. I received an account settled in full letter on XX/XX/22 from EOS CCA. The letter indicated that I paid the amount agreed to settle the account and their records show a {$0.00} balance. They have reported to all 3 credit bureaus that I have a XXXX balance. I requested for the debt to be removed and deleted, since the account has been paid. I spoke with XXXX a supervisor with EOS CCA. They are unwilling to remove/delete the balances from credit reports after the debt has been paid. I'm relocating to GA and trying to purchase a home. EOS CCA collection item on my credit report has been paid and should be removed from my credit report. I have requested other debt to be removed from my credit report once it was paid. Within 30days those items were removed. Due to the debt still showing on my credit report, it is causing injury to myself and my family. Even though it shows paid and I have a settlement letter, it still appears as a collection. This appears unfavorable. I feel my rights are being violated. This is a unfair practice and is negatively impacting me. I would like this reported and be removed from my credit report.
Complaint sub-issue: Attempted to collect wrong amount

Back in XXXX XXXX I was involved in a car accident ( I was rear-ended by a men whom provided the wrong personal information ) therefore I was obligated to file a claim against my insurance company. My company paid the car off to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX. XXXX, TX XXXX XXXX. XXXX the amount that was paid in full {$8800.00} Check # XXXX XXXX Insurance company kept the wrecked car ). Unfortunately I did n't have gap insurance therefore the was a balance little over $ XXXX at that time they were demanding the payment in full which I did n't have. I was not familiar with the process and requested payment arrangements however I never heard back from them. Now they are misreporting to the credit bureau showing as a repo with a higher balance $ XXXX
Complaint sub-issue: Overcharged for something you did purchase with the card

First Issue. On XX/XX/XXXX, I used my US Bank Altitude credit card ending in XXXX to pay rent for an apartment in XXXX purchased through XXXX. I used this card because it offered 0 % of each foreign purchase transaction or foreign ATM advance transaction in a XXXX XXXX. I authorized the charge of XXXX Euros. My statement shows a charge of {$870.00}. The exchange rate on this day, XX/XX/XXXX, between Euro and the US dollar was XXXX ( see attachment ). The transaction was posted on XX/XX/XXXX. The exchange rate on this day, XX/XX/XXXX, between Euro and the US dollar was XXXX. XXXX ( see attachment ). The correct conversion rate with 0 % of each foreign purchase transaction should be XXXX x XXXX {$850.00} and I should be charged this amount on this day, XX/XX/XXXX, instead of {$870.00}. Hence I was overcharged {$17.00} ( XXXX ). Even if the bank used the conversion rate on the day the transition was posted, the correct charge should be {$850.00}. In any even I was overcharged about {$18.00}. 

Second issue. My statement dated XX/XX/XXXX shows Points Earned this Statement XXXX, Total Points Balance as of XX/XX/XXXX - XXXX. So as of XX/XX/XXXX I have a total of XXXX points. The next statement dated XX/XX/XXXX shows only XXXX earn points and XXXX points available. Hence XXXX pints have gone missing ( XXXX ) with dollar value of {$10.00}