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

As a victim of a long string of identity theft, I have learned that Equifax is not only responsible for a great deal of these incidents that have essentially ruined my financial life, ( which in turn makes every other aspect of life stressful and detrimental to my health, ) they also seemingly need more than just the dispute process numerous times to make an account proven to be fraudulent and removed from everywhere else, go away. 

I had a collection account falsely issued to my credit and after disputing with documentation to all the bureaus and then CFPB, I finally made progress. Except with Equifax. It still remains. It was a XXXX credit card opened sometime in XXXX that was reported on my reports in the midst of the pandemic and economic crisis of XXXX as a charge off and now collections. As of several months ago it was finally removed on every other report and actually shows as current on Equifax. Yet, still right now, it also says charge off. 

I have lost my opportunity for funding through the XXXX due to my credit score THAT EQUIFAX IS SOLELY RESPONSIBLE FOR! I was an accident XXXX months ago and had the hardest time getting another car because of EQUIFAX!! This is criminal!!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently requested a copy of my credit report and when I was looking it over I noticed several inquiries on there that I have no knowledge of and did not authorize. I have tried to dispute this with XXXX, Equifax, and XXXX. The letters I received back from them stated that they would remain on my report for 2 years. I even filed a report with the Federal Trade Commission because I did not authorize these inquiries.
Complaint sub-issue: Account information incorrect

XXXX is in noncompliance and this is my last time attempting to settle this matter before a lawsuit is filed I as a consumer withdraw my consent for XXXX XXXX XXXX to report any missed or late payment from XX/XX/2021 on my consumer report I have tried to settle this matter several times and this is the last straw. XXXX XXXX XXXX you are to cease and desist from reporting the late or missed payment from XX/XX/2021 from XXXX XXXX undermines title 15 Usc 1681 b you do not have permission to furnish that transaction on my consumer report I do not consent any further reporting is a violation of my consumer rights.
Complaint sub-issue: Account status incorrect

Dear CFPB, Some of the questions on the forms- they ask if I tried to fix the problem with the Company! Yes! Yes! I have done so much to straighten these matters out with the Companies! So many Phone Calls! So many E-Mails! And Paper Mails! 
AN ENORMOUS AMOUNT OF PROBLEMS - seems - to have started when something went wrong with 1 accountatXXXX! 
It was aCheckingAccnt. I was using that accountto make automatic payments to a lot of Credit Card Companies. 

When something went wrong with thatcheckingaccountatXXXX- it caused things to go wrong with payments to Credit Card Companies! 

Then - that caused Credit Card Companies to start sending false info to my files at Credit Bureaus! 
Then - that caused those Credit Bureaus to send false info about me to a lot more Companies! 
Maybe all over Corporate America? 
How many Companies??? 
Strange thing- if somethinggoes wrong with 1 account- if it is acheckingaccount- it can spread a lot of problems to a lot of companies! 
I have done so - SO MUCH totry to getthese things straightened out withCompanies! 
And I gave the XXXX XXXX a back-up checkingaccount number that they can use until the primary checking account is fixed! 
I will file a more detailed complaintwhen I have more time & more energy! 
There R so many more details to write about! 
When I have better health!
Complaint sub-issue: Information belongs to someone else

XXXX XXXX sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$600.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XXXX XX/XX/XXXX {$110.00} XXXX XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XX/XX/XXXX {$230.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I am submitting this complaint again in regards with the account listed below to inform you that I am the one disputing this debt. I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting EQUIFAX and the XXXX XXXX XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. 
It seems EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 
I was never late ( XX/XX/2021 ). Investigate properly and please update for 100 % accuracy. 

XXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached the peak of my peatiece bedacuse of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/2022 and the the most recent letter I sent was dated XX/XX/2022 with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have faield to provide. The following accounts which I believe to be reporting erroneous information must be corrected under the provisions of the Fair Credit Reporting Act : 1. DPT EDXXXX XXXX Balance Owed : {$2300.00} 2. DPT ED/XXXX XXXX Balance Owed : {$10000.00} 3. DPT EDXXXX XXXX Balance Owed : {$5500.00} 4. DPT EDXXXX XXXX Balance Owed : {$3200.00} 5. DPT EDXXXX XXXX Balance Owed : {$5500.00} 6. DPT EDXXXX XXXX Balance Owed : {$10000.00} 7. DPT EDXXXX XXXX Balance Owed : {$4700.00} 8. DPT EDXXXX XXXX Balance Owed : {$4600.00} 9. DPT EDXXXX XXXX Balance Owed : {$10000.00} 10. DPT ED/XXXX XXXX Balance Owed : {$1700.00} 11. DPT EDXXXX XXXX Balance Owed : {$4900.00} 12. DPT EDXXXX XXXX Balance Owed : {$5700.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I paid my account in full and closed the account. The company is refusing to report the correct information to XXXX XXXX. XXXX XXXX has requested the update on two occasions and on both occasions inaccurate information was given. As a result, my credit score dropped 100 points from XXXX to XXXX. 

I need help getting this company to report the accurate information.
Complaint sub-issue: Information belongs to someone else

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without y written signature.
Complaint sub-issue: Account status incorrect

Hello, currently all 3 credit bureaus are counting my rate shopping for a mortgage on my credit report as individual inquiries rather than lumping them as a single inquiry on my credit. This has negatively impacted me by not only dropping my credit score by 50+ points but because all the inquiries for my rate shopping are not being consolidated and counted as 1 and is hitting my report as individual inquiries. I can not get approved for any credit cards because banks think I am desperate for credit. This is very harmful to me as I have never been late on a payment and have been a good steward of my credit and was at XXXX credit prior to all these inquiries dragging my score to the ground. 

On alI the credit bureaus, I have 7 hard inquiries from XX/XX/XXXX and XXXX but these should be counted as 1 as I was rate shopping for a mortgage.
Complaint sub-issue: Problem using a debit or ATM card

My son, XXXX and I are both on this banking account at US Bank. On XX/XX/2019, XXXX attempted to withdraw {$500.00} USD on an ATM machine at the US Bank : US Bank XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX No money was dispensed, and he got a message that he needed to remove his card so he did. XXXX thought there was a machine malfunction so he tried the transaction again and received message that he had reached his limit and could not withdraw funds. Online banking showed that the {$500.00} was taken out of his account. XXXX called the bank and was told that it would get figured out because the ATM machine wouldn't balance so the money would be put back into his account. However, the money was not put into his account and the complaint was closed because the bank said the ATM balanced. They then filed a fraud report, and told us to wait 10 business days for provisional money to be put into XXXX 's account. The money wasn't put into the account and when I called to check on it, they said that it wasn't fraud, that it should have been filed as a dispute so they closed that claim and filed it again as a dispute. We requested that they give the {$500.00} provisional money and they denied that request, then XXXX XXXX called the next day to say that the money will be put into the account, until that claim is settled. We have requested numerous times for someone to watch the video to prove that XXXX did not receive the money. HOWEVER, XXXX XXXX XXXX, Assistant Vice President at that location sent us an email stating " When the Police present us with a subpoena for information well be able to get that on to the right department so that they can work with the Police. '' XXXX did file a police report, then we followed up with the detective, who stated that he isn't able to get a subpoena for this because it's not a criminal matter, but a civil manner. And US Bank is still not willing to watch the video to determine what happened! This is ridiculous! 

We want someone to please watch the video of the transaction from XX/XX/2019 at XXXX to see if the money was or was not dispensed to XXXX . We would like to see the video also. This has been such a fiasco! 

Then please grant XXXX the {$500.00} plus any overdraft fees that have accumulated since XX/XX/2019 - which the bank has said they will do, if it's proven that XXXX did NOT receive the money. But no one at US Bank will watch the video to prove what happened to the cash.
Complaint sub-issue: Account information incorrect

I've secured hard alerts on my credit file but old accounts are still showing on ONLY Equifax. They are the source of my breach and I suspect internal reasons are the cause of my damaging credit still reporting. 

Law enforcement has been notified, my lawyer as well as other agencies already corrected this old issue. 

This will be handled to the fullest extent of the law I've provided.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a dispute with Equifax because of Identity Theft and attached a police report and FTC and they have not removed the items from my report.
Complaint sub-issue: Account information incorrect

XXXX XXXX has incorrectly reported our mortgage loan balance as increasing to XXXX  and Equifax for two months in a row. 

On XX/XX/XXXX XXXX XXXX incorrectly reported a balance increase of {$540.00} from {$75000.00} to {$76000.00}. 

On XX/XX/XXXX XXXX XXXX incorrectly reported a balance increase of {$1600.00} from {$76000.00} to {$77000.00}. 

The loan balance as of XX/XX/XXXX on the XXXX XXXX page for our account is {$74000.00}. 

This has had a negative impact on our credit report for two months running lowering our score.
Complaint sub-issue: Information belongs to someone else

Equifax has inaccurately reported information on my consumer report. There has been a breach to their own privacy policy and all negative inaccurate information needs to be removed.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS 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 accounts 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 XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Court : XXXX XXXX CT XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX FOR XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$830.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Balance : {$4900.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX  XXXX XXXX : {$830.00} XXXX  XXXX XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$680.00} XXXX  ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Balance : {$4900.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX  GAS ) XXXX Balance XXXX {$200.00} XXXX  XXXX Bankruptcy Reference XXXX : XXXX Date Filed/Reported : XX/XX/XXXX Court : XXXX Bankruptcy XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Problem with customer service

Since 2011 I have held a XXXX XXXX XXXXXXXX XXXX Credit Card with CitiBank. I had loads of positive credit on my 3 credit files. The account is open, active and all positive credit. Last year I checked my credit file and the account was missing. I made MANY calls to customer service and each time I was told that they could not help. One time a lady ( XXXX ) said to not worry that she would sort it out. I still do not see any of my past credit. I want that all put back on all 3 credit bureaus. I can not get anyone to agree that this could have happened AND how to fix.
Complaint sub-issue: Problem accessing account

I opened an online banking account with Citi on XX/XX/19. 
After accessing my account once or twice online, I was asked to submit a confirmation code ( presumably by text ) - except that I had given my home/land line number when signing up. I called and asked to have my phone number switched to my cell, but was told I'd have to wait 30 days. Since that time I have been unable to contact Citi. I've tried using their app, email, and standard/snail mail as well as calling several different numbers dozens of times. I've also tried accessing my account online again, but since I've never submitted a confirmation code it appears as thought my online access has been 'locked '. 
I have a balance that I have no access to, and have been unable to get ANY help from Citi.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the accounts being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed accounts claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Equifax provide me copies of documents bearing my signature to verify the status of the disputed accounts. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed accounts, please understand I will seek legal action. I need the accounts DELETED as soon possible : XXXX XXXX Date Opened XX/XX/XXXX Balance {$1600.00}, XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$1400.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$1900.00}
Complaint sub-issue: Information belongs to someone else

I've contacted each service that's furnishing inaccurate information that's being shared on my consumer report. I made them aware that I did not authorize nor consent to the following inquiries, names, addresses, employer and phone numbers being furnished on my consumer report. I demand that the inaccurate information to be removed and update in a timely fashion.
Complaint sub-issue: Their investigation did not fix an error on your report

Notice To creditors and credit Agencies this is a official statement I XXXX XXXX XXXX officially opt out of all credit reporting Invoking my consumer rights under permissible purpose Due to unfair credit reporting and fraudulent activity on my credit report from credit cards and XXXX XXXX, XXXX, XXXX and XXXX after They have continued to display unfair reporting practices so for the following accounts on my credit report I opt out of all credit reporting due to permissible purpose consumer laws.
Complaint sub-issue: Investigation took more than 30 days

I HAVE FRAUDULENT ACCOUNTS LISTED ON MY CONSUMER CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS NOR SIGNED FOR THEM. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES. 

PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX  ****XXXX* not mine XXXX ****XXXX* never late XXXX XXXX ****XXXX {$94.00} not mine XXXX ****XXXX not mine XXXX ****XXXX not mine XXXX XXXX XXXX ****XXXX {$280.00} not mine
Complaint sub-issue: Was not notified of investigation status or results

First I am submitting this complaint on my own without any outside assitance from any 3rd party companies. I mailed a dispute via USPS certified to Equifax, XXXX, and XXXX all delivered and signed for XX/XX/21 concerning inaccurate reporting on my consumer report
Complaint sub-issue: Received bad information about my loan

I had submitted a deferment, and forbearance application which had been approved to a company named Nelnet. After it was approved my loan was " transferred '' to another loan servicing company named XXXX which in turn had not registered my loan. They reported me defaulted, which in turn off set my taxes for XX/XX/XXXX-XX/XX/XXXX. When I contacted Nelnet XX/XX/XXXX, they stated that they are no longer responsible for my loans nor what they reported to the credit bureaus.
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity theft. This is my official statement about the crime. Contact Information FTC Report Number : XXXX Name : XXXX XXXX XXXX : XXXX Last Name : XXXX XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX USA Personal Statement Phone : XXXX I went over my credit car bureaus info and I fond that someone had used my personal information to get credit cards and to lease car as well. My personal information was use to open this accounts. 

XXXXXXXX XXXX XXXX XXXXXXXX # XXXX amount : {$600.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX amount : {$2400.00} Accounts Affected by the Crime Fraudulent Auto Loan or Lease Company or Organization : Account Number : Date fraud began : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$10000.00} Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Date XX/XX/XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not mine

In XX/XX/XXXX, I tried out a XXXX cell phone for a week, and returned it as per XXXX 's new customer agreement, and paid a {$35.00} return fee. In the next few months, I was called by this agency with a request for {$660.00} for the value of the phone and a month 's service. I explained the situation to them and called XXXX corporate and the store I got the phone at. The collection disappeared from my credit report, only to return XX/XX/XXXX as showing a month 's service, which I never had, having possessed the phone for one week only. I have tried to call XXXX corporate on three different occasions requesting a copy of said statement, and each time being assured one would be sent, but never having received a statement.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have attached and FTC report with an account and inquiries I did not authorize
Complaint sub-issue: Trouble with how payments are handled

I do not receive statements/bills or any other documents from SallieMae. This has been going on for a year and is still not fixed. My XXXX 2016 statement was not even sent or generated on my account in a PDF for me to view, so my payment was late. I 've called numerous times and the customer service people just ask questions, procedure I get it, but after that tell me everything looks fine. I 've changed how I receive information to paper form and that has not helped, in fact XXXX 2016 should have been the first paper form and as I said, that was never sent. The representatives become rude when I get upset and it seems that they no longer want to help me. They just tell me to pay my bill, even though my date was changed with my XXXX loan and I was not notified. My tax for went to my co-signor instead of me which I was told should not happen. I should receive statements, no questions asked. I was not charged late fees, but am still upset.