Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive notice of right to dispute

I checked my credit report and I had a debt that was over 3 years old XXXX . When I checked the debt Enhanced Recovery Company LLC had changed the debt to 4 months old as if it was New! Now I have to wait 7 years for it to fall off my credit report! Unless Enhanced Recovery Company LLC changes there mind and change the date again!! This was my ex wife phone her responsibility to pay! And I will not pay!!! Enhanced Recovery Company LLC didn't give me any notification on the debt at all! Enhanced Recovery Company LLC should learn how to treat people and learn how to run a business!! I checked my credit report and found that a debt I had that was OLD! Was updated by ENHANCED RECOVERY COMPANY and it said it was opened 4 months ago, now I have to wait 7 more years, originally it was well over 3 or 4 years old and  only had to wait 3 to 4 years for it to come off! Now this was my ex wife 's responsibility, because I worked for the XXXX and received a discount on the phone and she didn't pay that is why it's on my credit report! I didn't have knowledge that she switched phones and didn't pay the outstanding balance. I refuse to pay because it was hers and she could afford to payed it! Didn't receive any type of paperwork, phone call or anything! This is appalling the way they do business! I'm XXXX now and was waiting for it to come off when I retire at XXXX! These people are blood suckers that get paid XXXX $ an hour! I get phone calls all the time from different places, out of state, a City that I don't know anybody, They should be closed for lying and stealing!
Complaint sub-issue: Problem getting report or credit score

I am trying to get my Credit report from Equifax but was unable to get over their automated system then told to go to automated system by live representative and did not want to give me my report.
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft/FraudI disputed this fraudulent XXXX XXXX charge off account on XXXX via Equifax and XXXX XXXX XXXX They did not respond to me and did not correct the issue. I am very upset and Equifax and XXXX XXXX is violation of multiple consumer laws. I have submitted a police report, FTC Report and a letter explaining the laws that were broken. I am demanding that this issue gets correct immediately. If not, then I will be filing a lawsuit and suiting for damages. Please comply!
Complaint sub-issue: Confusing or misleading advertising or marketing

I was led to believe that i was doing business with XXXX XXXX XXXX in XXXX XXXX Missouri and was going over the contract shortly after to see that the contract was sold right at the point of sale. Because the APR was extremely high and i didnt know at that rate if i would be able to afford it and i noticed that the contract said the finance would change daily which is another worry i had i know my credit wasnt the best and they didnt give me another option. But my problem was the TILA requires me to be able to return the vehicle in 3 days but they put a No Cooling Off period in the contract which made me tie my money up in the vehicle that i really dont have im a single mother of two and live pay check to pay check now i got to the point where im not paying on it because i cant get anywhere with the company that the loan was sold to which is FlagShip Credit Acceptance every time i ask about it they refer to me owing for the last couple of months and now just put my suv on the default department as of XXXX so it will be repossed anyday and i will have no way to work this whole ordeal has ruined my credit and is complacating my life. I dont know what else to do with the high loan rate and the violations these compianes are commiting i know as a consumer i have rights that protect me and i feel that ive been taking full advantage of. I wouldnt of enter in the contract if it woudve been explained to me in a langague that i could understand and rates that I could afford. As ive been researching i see violations of XXXX XXXX and FTC as i never seen nor recieved a opt out notice from nithier company annual or at the begging when i signed im in closing a copy of my contract. And you will notice there is not a no privacy policy anywhere on the contract which again is required per policy. I want them to make this right so i can get my life back on track instead of them ruining my credit and everything else by taking the truck i will lose my job and therefore want be able to support my family thank you in advance for looking into this matter i will be waiting on to hear from you.
Complaint sub-issue: Information belongs to someone else

Hello my name is XXXX XXXX and i am writing to delete the following information from my consumer report. The items i listed i need deleted. I am a victim of identity theft and did not make the charge. I ask that you delete the information to correct my consumer report. Based on 15 us code 1681c- 2a a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged Identity theft, nor later than 4 business days after the date of receipt.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

As of XX/XX/XXXX, according to my my XXXX Bank. Credit report, I have dropped XXXX points. The data is supplied to XXXX XXXX site by XXXX. I contacted XXXX for a response, and was told that there system showed an XXXX max XXXX  score. The XXXX Bank is an almagamation of XXXX credit bureau, using a XXXX XXXX. The rating encompasses a larger number span, abet in my case my score should not have dropped to that extreme, moving me from an exceptional credit status to a good credit status. This has happened recently, with any rationale, only to have the points reinstated, to include extra points. I have made efforts to contact the customer service area, but get only automated prompts, that live customer service is unavailable. I feel, not only XXXX, but the credit reporting outlets have gliches in their systems.
Complaint sub-issue: Other problem

I opened a Secured Credit card with Discover Card with a {$1000.00} security deposit on approximately XX/XX/XXXX On approximately XX/XX/XXXX, I called Discover to close my Secured Credit Card Account and requested the return of my security deposit. I was read the disclosures for account closure which I accepted. Then I discarded my card as I believed the account was closed. 

On XX/XX/XXXX, I received an email and text notification of possible fraud detection on the account and to contact customer support. Speaking with the agent, I was informed my account was not closed by the previous Supervisor I spoke with and there have been charges on the account. I opened a fraud investigation and then my account was finally closed. 

I am now in the process of waiting to receive the security deposit refund which the terms of the Cardmember Agreement state, You should receive your deposit refund within two billing cycles plus 10 days. 

Since I closed the account on approximately XX/XX/XXXX, the billing cycle closes XX/XX/XXXX and the next would be XX/XX/XXXX. In theory, I should have received the refund on or around the 1st week of XXXX. Discover is now stating that since their system shows the account is closed in XXXX, the earliest I will receive the refund is XXXX. 

I simply want to hold Discover to their own Cardmember Agreement. I find it unfair that they can pick whichever date they want despite the fact I closed my account.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Collection : XXXX XXXX balance {$0.00} ; XXXX XXXX balance {$860.00} ; XXXX XXXXXXXX balance {$170.00} ; XXXX XXXXXXXX balance {$400.00} ; XXXX XXXX XXXX balance {$55.00} ; XXXX XXXX XXXXXXXX balance {$500.00} ; XXXX XXXX XXXXXXXX balance {$880.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i am writing to delete the following information in my file. the items i need deleted are listed in the report .i am a victim of identity theft and did not make the charge, i ask that the items be deleted to correct my credit report.i reported the theft of my identity to the federdal trade commission and i  alson have enclosed copies of the federal trade commissions identity theft affidavit .please delete the items as soon as possible
Complaint sub-issue: Problem with fees

I made a purchase on a card with US BANK where I have 3 other balances on this specific card that are at 0 % interest. I have made well over, hundreds of dollars, over the minimum payment and yet the balance for the small purchase with interest still remains. My recent statement XX/XX/21 states that there is still a balance of XXXX on the interest accruing amount. The min on the last statement was XXXX, I paid and additional XXXX. There was a remainder of XXXX in the accruing interest balance, when the prior was only XXXX. I am not sure how that translates to still having an additional XXXX. I called and complained they did reverse 2 months of interest fees but the fact still remains that they are not adhering to current law when it comes to applying payments to higher interest balances first. That was an additional XXXX over the minimum which means that the whole XXXX sitting in the interest accruing balance should have been paid in full.
Complaint sub-issue: Account status incorrect

EQUIFAX HAS REPEATEDLY IGNORED MY DISPUTE IN REGARDS TO A LATE ON MY XXXX  XXXX  ACCOUNT-XXXX  THIS ACCOUNT HAS NEVER BEEN DELINQUENT OR PAID LATE. IN THE YEAR 2011. AND EQUIFAX IGNORES THE GUIDELINES PUT IN PLACE BY THE FCRA ... AND I DISPUTE THESE LATE CHARGES THAT ARE REPORTING ON MY EQUIFAX CREDIT REPORT.
Complaint sub-issue: Personal information incorrect

Called XXXX, Equifax, XXXX multiple times and requested all addresses be deleted other than my physical address and my mailing address. My phone request was met with all denials that I couldnt dispute personal information, Statements, fraud alerts, or personal inquires or accounts. Ive attached my dispute resolution
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent several letters and they will not fix the error. They are reporting a public record ( bankruptcy ) from XXXX. However, XXXX deleted it because they could not verify the bankruptcy ( see attached deletion letter ). Please help me. They are lying to me and being deceitful. 
I have tried to resolve this issue to no avail.
Complaint sub-issue: Threatened or suggested your credit would be damaged

D2 Management called about a debt on a bank account that was incurred over 11 years ago. They violated the FDCPA rules regarding disclosure by disclosing the last 4 digits of my social security number. Further, they are pursuing a debt against me solely when this particular bank account was a joint account with my husband. They also insinuated that my credit would be adversely affected if I did not pay this balance. I have this recorded on my phone and can provide proof of it if needed.
Complaint sub-issue: Attempted to collect wrong amount

This Dept Collection Company is falsely trying to collect a payment from me and the dates are way off and not correct. I have informed the credit XXXX of this issue and XXXX is still on my credit report. 2nd- Issue.. This is not my account I have never received any notice from anyone with this company so I am filing this. Thank You!
Complaint sub-issue: Investigation took more than 30 days

Equifax is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. Equifax has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see Please see enclosed documents ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX-XXXX-XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Investigation took more than 30 days

on XX/XX/2020 I sent a dispute in pursuant 15 USC 1692 to validate an alleged debt. On XXXX XXXX,2020 a notification for my dispute was updated. This does not evidence as validation of debt and I am certainly aware of Admission by slience.
Complaint sub-issue: Information belongs to someone else

I have tried unsuccessfully to submit my dispute of Identity Theft to the Credit Reporting Agencies. I have all of my supporting documents yet after two attempts at each I have not gotten the results the law according to the FCRA states.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

XXXX XXXX is withholding consumers bank account and routing numbers for XXXX and XXXX persons receiving SSA. After even speaking to a Supervisor to try and get access to my account or change my direct deposit to another bank. They refused to provide that information to try and make it impossible to change my funds to a different and Legal institution. They have the worst customer service and are committing financial fruad. This company should be shut down and sued for it's illegal business practices.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. A couple years back my luggage was lost at the airport. When my bags were finally located the suitcase with my laptop computer was never found.The laptop had all of my personal information on it including social security number, driver license number, address, my kids information etc. There are some fraudulent accounts that have showed up on my credit report over the years.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax continues to keep me lock out of my report. I am unable to login to myequifax.com. They are also reporting an account that does not belong to me and I can't dispute the information without logging in.
Complaint sub-issue: Funds not received from closed account

On XX/XX/2022, {$20000.00} was direct deposited into my XXXX XXXX XXXX XXXX savings account from my employer, XXXX. That same day I initiated the transfer of {$1000.00} from my XXXX account to a newly created Citibank savings account. XXXX days later, on XX/XX/XXXX, I initiated the transfer of another {$20000.00} from my XXXX account to my Citibank account. This was a mistake by me because I had also initiated the payment of a credit card bill a few days prior that would drop my total balance in my XXXX account below {$20000.00}. Because my balance was below {$20000.00} in my XXXX account, this transfer was eventually rejected. On XX/XX/XXXX, I then initiated the transfer of {$14000.00} from my XXXX account to my Citibank account ; this transfer was accepted. 

At this point, my Citibank account had around {$15000.00} in it all which could be tracked from my employer. I then initiated a XXXX payment to my father of around {$3400.00}, as repayment for money he had loaned me previously. I don't have the exact date of this transfer but it was sometime in XX/XX/2022. This XXXX payment was successful and my account was not at around {$12000.00}. Now around this time, either late XXXX or early XXXX, I found that I was unable to login to my mobile Citibank app. I went to a local branch and they told me to call the number on my debit card. When I called this number the representative told me that my account was being closed due to suspected fraud. I was told that within XXXX days the matter would be investigated and the remaining funds in my account would be disbursed to me. After around a month, I recieved a ~ {$450.00} check from Citibank from a attempted direct deposit by my employer XXXX. Since that check, it has been almost 5 months since my account was closed and I have yet to receive the rest of the funds in my account. I have been patient and waited for the fraud investigation but nothing has happened. I have called around 8 times in the past 5 months to check on the status of the investigation and the remaining balance disbursement but there has always been no information. When I call, they always have no status update regarding the situation and are unable to give me any actionable information. The funds that ended up in that Citibank account can easily be traced back to my XXXX account and then to my employer, no fraud involved.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act convergent accounts listed below has violated my civil rights : XXXX ) XXXX Card Date opened : XX/XX/XXXX XXXX ) XXXX XXXX  XXXX Date opened XX/XX/XXXX XXXX ) XXXX XXXX Date Opened : XX/XX/XXXX XXXX ) XXXX  XXXX  Date Opened : XX/XX/XXXX XXXX ) XXXX  / XXXX  Date Opened : XXXX  XXXX 15 U.S.C 1681section 602 A. States that I have the right to privacy.

15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Account status

I called + sent Equifax a copy of my account paid in full for the dispute. The company I owed ( XXXX ) has set the info to Equifax that my account is paid in full. XXXX reported the wrong amount due and we agreed on a new lower amount which I paid in full. Equifax is still showing the account as a charge off. That 's incorrect. I 've called them 2 times with no help.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I mailed off a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are responding inaccurate personal information.
Complaint sub-issue: Account status incorrect

According to the Fair Credit Reporting Act, Section, Section 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the FRCA- you are required to promptly report the credit obligation or account as current if the furnisher makes an accommodation ; such accommodations defined as an agreement to defer XXXX or many payments or forbear any delinquent amounts.
Complaint sub-issue: Reporting company used your report improperly

I have several inaccurate late payments listed on my credit report with is a violation of my rights and hindering me from obtaining reasonable credit purchases. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, I submitted an online dispute with Equifax for the XXXX account ( Confirmation number : XXXX ), as the payment history, and account status was incorrect. I never heard from them. It's been well over 60 days. On XX/XX/XXXX, I submitted another dispute ( Confirmation number : XXXX ) advising them to remove the account, as it was inaccurately being reported. Still no response. Now all my positive accounts and some of my negative accounts from XXXX have been removed and they are reporting only 3 accounts which is negatively impacting my credit rating. However when I view my credit report from Equifax, I can see all of my accounts. I need my history back.
Complaint sub-issue: Was not notified of investigation status or results

It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.

I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX XXXX, and I am submitting this complaint on my behalf. I have been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these accounts violate the FCRA and FDCPA these accounts must be deleted immediately.
Complaint sub-issue: Account information incorrect

Carmax Auto Finance have not updated my credit report since XX/XX/2021. A dispute was sent thru XXXX and per XXXX representative CarMax Auto Finance have not responded. This is now violating the FCRA. My account is paid and closed. Ive also sent a complaint for XXXX. XXXX and XXXX have been updated accordingly.
Complaint sub-issue: Investigation took more than 30 days

Contacted XXXX XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2021 via certified mail. Submitted information indicating the inaccuracies, however, the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Complaint sub-issue: Was not notified of investigation status or results

My name is XXXX XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately
Complaint sub-issue: Funds not received from closed account

I just cant see how much I got in my closed account on transferwise.com ( personal and business ) in the login XXXX because they just closed the account with an automatic answer saying " aftwer reviewing your account we decided to keep it desactivated ''.