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

I AM IN THE XXXX. XXXX  XXXX  me. I can not get a Mortgage to buy a condo. 

These the the copies from Equifax credit report : Credit Report Alerts Equifax Credit Report SSN Scanning ID Theft Insurance ALERT TYPE COMPANY BUREAU DATE Updated tradeline XXXX Equifax XX/XX/XXXX Updated tradeline XXXX   Equifax XX/XX/XXXX Updated tradeline XXXX  Equifax XX/XX/XXXX Updated tradeline XXXX  Equifax XX/XX/XXXX I paid my dues, I have no accounts with XXXX XXXX XXXX Credit Card , I called 6 weeks ago asking them to STOP the reporting since my account is closed and I do not do business with them. They XXXX me again and agagin. 

I applied for a mortgage and got Denied because XXXX from XXXX would not stop sending report to Equifax. 

My credit has been damaged and my mortage denied due to XXXX ( from XX/XX/XXXX- XX/XX/XXXX ).
Complaint sub-issue: Account status incorrect

Hi my name is XXXX XXXX and I am contacting you Regarding my credit reports at Equifax XXXX XXXX XXXX they are all reporting false balances on my credit cards and also fraudulently reporting that my XXXX is closed when it is opened and I want this problem fixed at once. These companies need to update my balances at once and also Adequately report accounts that are open because this false information that they have reported has dropped my score significantly to the point that me and my XXXX son are XXXX because of the issues with my credit score. I have contacted legal aide and with begin legal action because this has caused tremendous problems for me and my XXXX child. Please make these agencies correct this problem at once All credit cards on my credit report needs to be updated with correct balances also my XXXX credit card needs to be reported as open and in excellent standing please make them do this at once.
Complaint sub-issue: Their investigation did not fix an error on your report

The total sale price and balance XXXX XXXX is stating as the beginning balance for this debt is inaccurate. I have a signed contract between myself and XXXX XXXX that reflects the correct balance agreed to as contracted. XXXX XXXX is not reporting the true numbers agreed to in our contract. Attached is a copy of the signed agreement between mnyseld and XXXX XXXX that correctly reflects the total sale price. They are in violation of the FCRA and this needs to be removed. I demand that the credit bureau ask XXXX XXXX To show proof that at the time of purchase the total amount financed did not include a warranty, gap insurance, taxes and fees. The balance that XXXX XXXX is reporting is not accurate and does not reflect the contract they agreed to. I am happy to provide a copy of the signed agreement between myself and XXXX XXXX if the credit agency needs to see it again. I have provided copies of this contract in the past.
Complaint sub-issue: Information is not mine

Afni is currently furnishing innacurate information about me to the the consumer reporting agencies. I have requested full documentation from AFNI of proof that this account belongs to me and they have not done so in the required time limit. I also have repeatedly asked AFNI to provide me their right to collect this debt. This account does not belong to me and I am requesting them to cease all collection activities and remove this negative reporting from my credit files immediately or I will file a legal suit for damaging my credit rating. This is the 4th attempt to get AFNI to comply and they have willful not complied.
Complaint sub-issue: Information belongs to someone else

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$5100.00}
Complaint sub-issue: Reinserted previously deleted info

Equifax continues to keep allowing incorrect collection accounts on my credit report that have been previously deleted multiple times. When I dispute the collection accounts Equifax states accounts were verified which is not possible because they are not mine. When I contacted Equifax by phone they will not explain how the collection accounts were verified to be my responsibility or what information the company provided to verify them except my name and address. I explained to Equifax anyone can get my name and address because they list it on my credit report. This credit reporting company ( Equifax ) needs to be sued for their lack of investigation and reporting false information on people 's credit report that damages people 's credit rating. I have had the same listed collection accounts in my Equifax report number ( XXXX ) deleted from other credit reporting agencies because the company knows they are not my accounts. These credit reporting companies need to be held accountable for the damage they are creating by their lack of investigation efforts when investigating for consumers. Equifax automatically rule 's against the consumer because they are being paid by the collection companies to keep this false information on the consumers credit reports. I have asked Equifax and the companies listed in my collection investigations to provide me with a contract or a document with my signature showing I have any responsibility to pay any collection accounts I have disputed. Equifax and the companies both have failed to provide me with any proof I owe the amount requested or any other amount they show in collections on my credit report. I demand this matter be taken seriously by Equifax and the false collection information deleted immediately.
Complaint sub-issue: Deposits and withdrawals

I opened a checking account on XXXX XXXX, 2022 with Citi Bank. I had a previous account with them and they transferred the funds from the old account to this new one ( account number XXXX ). I withdrew funds from the account by debit card on XXXX, XXXX, XXXX and XXXX with no problem. Today ( XXXX ) I went to the ATM and found out the account has been de-activated. I called them today and they say they are investigating fraud and the funds will be given to me after 30 to 60 days. They have locked any debits or credits to the account. When I called them today, they hung up on me. 
I need my money and don't think they should be able to hold my money. If they want to close the account, they should close it and give me the money in it immediately. 
I need your help to get my money. 
Please help me. This account has had no suspicious activity. The previous account I had with them did have some questionable foreign activity and they use that as reason for locking this new account. 
Please, please help me get my money. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX New Citi account number XXXX Citi routing number XXXX my telephone number XXXX XXXX my email account : XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my reports coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block and removed any items in my credit record that came about due to an alleged identity theft or extortion. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$560.00}
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I began XXXX XXXX  XXXX in XX/XX/XXXX. Since then I have completed over XXXXXXXX XXXX, and continue to maintain a 5 star rating. My annual background reviews were returned of course without issue. XXXX was so impressed with my performance I was offered a job at the hub in XXXX. 
So I am sure you can imagine my shock whenever I received the email stating my application to XXXX XXXX is denied! Well that shut off my access to the app so I couldnt call in. I couldnt get through to checkr about the situation. When they would reply to the emails., XXXX would say we do not look at the report. We take the recommendation from checkr and base our decision on that. Checkr would say we do not make the determinations in eligibility we simply run the report and then hand it over to the company who requested it. 
After a month of this ping pong battle XXXX was like you have to dispute it with XXXX. I did. And after another 2 weeks the letter read there is an issue on your driving record making you oneligible to be a XXXXXXXX XXXX! I have known what gour letter report says. Another week goes by we have researched the issue and determine it to be a valid infraction we consider this case closed. Please respond if you disagree. 
Yes, I do. I just want to know the answer to this question. 
If I have been driving XXXX for over 3 years since XXXX with my previous chrckr driving accounts being free and clear How is it now there is an issue from XX/XX/XXXX making me ineligible? I am just trying to find the answer to that question yet I cant receive it and in the meantime. I am still banned from the XXXX XXXX platform!
Complaint sub-issue: Information belongs to someone else

I recently reviewed my Credit Profile and see numerous unauthorized inquiries and accounts. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account 's # XXXX ( XXXX XXXX XXXX, # XXXX ( XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX XXXX ) and # 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: Account status incorrect

I currently bank with Citibank and have a secured card with them. I always had automatic billing set up to prevent any missed or late payments. However once applying for a mortgage loan the Citibank secured credit card account reflected 4 late payments which is inaccurate. The representative I spoke advised me to pay the account in full and they would remove the late payments showing on my credit report. The representative took payment from me and then said he was transferring me to a supervisor so they could remove the late charges from my account. I was continuously hung up on for 3.5 hours never the getting the issue resolved. These late payments reflected are completely inaccurate and need to be removed from my account and updated with the credit bureau immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom It May Concern, Early in XXXX, I checked my credit report and I was alarmed when I noticed all 17 of my XXXX student loan accounts were showing 90 Days past due. This was a surprise to me because as recently as XX/XX/2019, I requested and received an administrative forbearance that covered most of the year. I am currently in school trying to finish my first XXXX XXXX, and there has been some confusion about my status in school, which has varied from half-time and less than half-time for purposes of deferment. Multiple requests through the XXXX site and their customer service finally proved fruitful as I was granted an administrative forbearance while my records were updated through the XXXX XXXX XXXX. XXXX subsequently sent me a letter saying I was approved for the forbearance, and this document detailed the dates the forbearance retroactively covered XXXX which included the time period in question ). That letter is attached below. 

I immediately disputed with XXXX, and subsequently XXXX   and Equifax, online and sending in certified mail, with the letter proving that the lates that were placed on my credit file were in error. The forbearance letter clearly states that the forbearance is retroactively applied, and further states that no payments are required and that no payments were required for the specific time period. XXXX, even after a formal CFPB complaint, refused to remove the lates. XXXX, after a formal CFPB complaint, did. I then informed Equifax that XXXX removed the lates, as required by law, and that they were required to remove the lates as well. They have responded only updating the status of my loans but NOT removing the late payments. 

I am filing a complaint against Equifax for not following the law in removing false and erroneous information from my credit report. This has already impacted my credit score and my credit file as one of my credit accounts reduced my credit limit due to this false listing on my reports. I am hopeful that CFPB can help remedy this important matter in a timely fashion. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX SS XXXX DOB XX/XX/XXXX The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available tome for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX UNKNOWN INQUIRIES : 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 addresses are notaccurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX This is my only number XXXX All other telephone numbers are notaccurate. Please REMOVE/DELETE any additional phones numbers.
Complaint sub-issue: Contacted me after I asked not to

I disputed this debt. First I got XXXX phone calls after I told them not to call me again the first time. I then received a letter saying that I had 30 days to dispute the debt and if I did not it would hit my credit if not paid. I sent XXXX letters, XXXX regular mail, XXXX certified on XXXX XXXX, well before the 30 day deadline. I noticed today that 4 days ago they hit my credit. I called today, the XXXX of XXXX, to inform them that I will be filing this complaint as well as taking legal action against them.
Complaint sub-issue: Reporting company used your report improperly

n accordance with fair credit reporting act XXXX  Account XXXX XXXX XXXX n accordance what fair credit reporting act XXXX  Account XXXX XXXX XXXX n accordance with fair credit recording act XXXX  Account XXXX XXXX XXXX 15 u.s.c 1681 section 602 A States I have the rights 15 u.s.1681section 602 A Section 2 it also states a consumer reporting agency can not fumish A account without my written instructions
Complaint sub-issue: Information belongs to someone else

on XX/XX/2020 I filed a police report because I noticed multiple inquires on my credit report due to fraud after numerous calls & complaints my problem of this inaccurate information is still showing on my credit report because the XXXX at Equifax refused to delete & remove them off of my report they keep stating that they removed the items but when I recheck my credit report the inaccurate items or still there my next step will be to take legal action against them for violating my consumer rights & defamation of character from the time period back on XX/XX/2020 I also followed up on XX/XX/2020 with a FTC report regarding the same fraudulent inquires after there reinvestigation they again told me that the inquires were removed & after rechecking my credit report the got XXXX inquires are still there they didn't remove anything.
Complaint sub-issue: Information belongs to someone else

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and discarded : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I am making another report towards XXXX, XXXX, and Equifax in reference to XXXX account number ending in XXXX. I am a natural living person writing this account!! I have been making multiple disputes because these credit bureaus have been violating my rights and preventing me from getting a mortgage to have a better living situation. This account was sent to collections without my knowledge which is completely unfair and discredits my character in making on time payments. This account has reported different balances which is a violation. 
I have disputed this inaccuracy multiple times and none of the bureaus investigated properly to fix this which AGAIN violates my rights under the Fair Credit Reporting Act. The Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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 the information is inaccurate
Complaint sub-issue: Information belongs to someone else

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! 

This is unacceptable! Please remove this account right away.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 Section 602 states I have the right to privacy. 15 U.S.C. 181 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 166B, 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: Credit card company won't work with you while you're going through financial hardship

Because of lost income, I notified my credit card providers in XXXX that I was no longer able to make monthly minimum payments and asked them to reduce the amount due until I can get back on my feet. One of them, XXXX XXXX, immediately worked out with me a plan to reduce the amount and lower the interest rate in the interim. But one of them, Citi Visa ( XXXX ) declined to working out a plan with me. I told the bank that all I would be able to pay via online payments is {$100.00} a month in order to keep the account open which I have been doing. But, not only am I accruing monthly fees by the bank 's refusal to work out a plan with me as XXXX did but I am receiving on a daily basis anywhere from 4 to 6 robo annoying calls which is a total violation of my rights. I want Citibank to work with me during this personal financial crisis and stop harassing me.
Complaint sub-issue: Account status incorrect

XXXX XXXX has failed to prove validation of my debt. They provided me with copies of copies of the contract. That under the Fair Credit Reporting Act is not considered proof/ validation. Validated proof would be the original contract with my wet signature. This account is paid off, so I demand it to be removed from all four credit reporting agencies immediately. They failed to provide proof of my late payments. They failed to remove the late payments and/or remove the account completely from my four credit reports.