Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

OnXX/XX/XXXX I sent letters to all 3 credit bureaus outlining inaccuracies on my credit report that needed to be removed and deleted including an account with a company called XXXX XXXX XXXX, XXXX and XXXX both responded that they deleted this account because they were unable to verify this account with the creditor. Equifax failed to respond so I sent them new paperwork onXX/XX/XXXX making the request again also requesting that if they find the account valid, I request proof. Equifax did respond, however, they said that the account was verified without showing any evidence of the verification. I find it hard to believe that none of the other companies ( XXXX or XXXX ) were able to verify this negative item and Equifax was different. Evidence is required by law or it must be removed. On this same date XX/XX/XXXX, I also sent new requests for corrections on data to XXXX and XXXX and both companies have failed to respond to my requests for those changes and today is XX/XX/XXXX. This is unacceptable and a violation of my rights as a consumer.
Complaint sub-issue: Application denied

Last year I was approved for a Discover Secured Card. After I sent Discover the deposit my credit card was mailed. Next thing I know Discover closed the account and they didnt even send me a letter. Since then I have tried to apply for a new Discover card and each time I apply it declines stating previous experience with Discover.
Complaint sub-issue: Right to dispute notice not received

I am XXXX military, I was listed as a primary on my daughters medical account for an urgent care visit she had in XXXX. Being XXXX, and having XXXX we have {$0.00} patient responsibility for any Emergency or Urgent Care visits, with or without referral. 
The original debt claim was from XXXX XXXX XXXX from XXXX/XXXX/XXXX for my daughter, this debt was sold to SARMA Collections on XXXX. We have since moved from XXXX XXXX ( Early XXXX ) We never received notices from XXXX care that this debt was being submitted to SARMA, nor a notice from SARMA allowing us time to request proof of debt, so we could have properly disputed ... Never received a phone call, only a XXXX notice post marked XXXX/XXXX/XXXX stating it would report to our credit which it did on XXXX/XXXX/XXXX. 
I am upset and feel neglect because not only am I XXXX, and protected by the SCRA but HAD this agency, " SARMA '' done their proper research they would have NOT placed this on my credit, which is permanent. Instead they could have done more due-diligence to collect this in the proper way as a XXXX-party.
Complaint sub-issue: Their investigation did not fix an error on your report

Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

I have called XXXX XXXX XXXX numerous times on a count that was listed on my credit report from Sears credit card through Citibank the card was not mine the account was not mine the balance on my credit report {$1700.00} over 6 months and I reported to the credit bureaus at that balance was not mine the account was not mine they finally removed it 30 days ago and I dropped XXXX points they both told me that Sears is the one that dropped my points I would have to contact Sears Citibank credit card but the count was not mine Sears credit card has no record of me Citibank has no record of me the accounts belong to a relative the relative loss the credit card 3 months ago reported fraudulent activities the card was shut down 3 months ago but for some reason the XXXX balance and the credit card was on my credit report still I reported to the credit bureaus but that card balance and a car needs to be removed off my account it was a fraudulent account the account no longer exists for over 4 months I try to credit bureaus finally moved the account and I was about 20 points for it XXXX told me that Sears credit card Citibank was responsible for the points but yet I can't get an answer from either party due to the accounts not mine the relative that the account belong to can't have access to the account because it was closed over 6 months ago due to the fraudulent activities on the card credit bureaus told me that they can do anything about it until Sears contacts them to change it how can Sears credit card Citibank change a credit score when they have no record of me and their systems credit bureaus are not giving me a straight answer nor are they helping me resolve the issue of my credit points of 20 points being deducted from my credit score nothing happened to my relatives credit score when they count was removed from their credit reporting account. thank you
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/XXXX a Saving Account and a Checking account were opened with Citi Bank. Within 150 days waiting period I was to receive a {$400.00} and a {$100.00} signing bonus. On XX/XX/XXXX 150 days have passed and I have NOT received the bonus. Multiple phone calls to CitiBank have not resolved this issue.
Complaint sub-issue: Information belongs to someone else

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Reinserted previously deleted info

My credit score with Equifax has went from XXXX to XXXX in less than one month because of their online dispute process, and them re-inserting previously deleted information. I have sent them over 5 letters requesting for investigation, and now they have somehow inserted a previously dormant and deleted account.
Complaint sub-issue: Personal information

My Equifax credit report shows an address that I have never lived at. The address is in the state of Oregon and I have never been to that state. 
Wrong address is : XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX
Complaint sub-issue: Information belongs to someone else

I contacted XXXX  and Equifax in XX/XX/2021 about inquiries on my credit report that are not mine and not associated with any accounts I have. I was advised to have the companies that initiated the inquiry to send a deletion letter to the XXXX  and Equifax and that I needed to send an authorization letter to XXXX  and Equifax. I requested the deletion letter to be sent and I sent my required letter but no results so I again contacted XXXX  and Equifax and the companies that initiated the inquiry in XX/XX/2021 but was given the same steps to complete so I followed those steps once more. Here it is XX/XX/2021 but no results despite doing everything I was asked to do.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020, I tried to get pre-approved loan for a property and that is when I found out there had been fraudulent activities. I was in disbelief when I found out I knew the perpetrator. It is my own mother that had used my information against me. We are not in contact and our relationship had been damaged. She is recently harassing, defaming and stalking me. XX/XX/2020 she used my information to track down my doctor and former adviser from school to get more information about me. We reside in two different state. She found my former address where my close friends still lives and surveyed the area and called the cops on that address to do welfare check. She wanted to confirm I still reside there. She has my number but did not call or text me that she is in town. These incidence has caused me to have severe anxiety, nervous and I am always in fear of what she is doing and what she wants. I am afraid for my life and I need HELP.
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint is for Equifax written dispute sent XX/XX/XXXX requesting removal of XXXX XXXX XXXX based on this company knowingly submits false and inaccurate information to keep my credit in a negative rating which allows lenders to then charge higher APR as well. Proof was submitted to show that XXXX XXXX was the first to open account for collection of {$1500.00} with first date of delinquency as XXXX. The results from Equifax stated account belongs to me but the my dispute asked for removal of this company based on dates and inaccurate information on my credit. Verbiage also on results state " Once an account has been opened, the account may appear on the credit file for 7 years or 10 years from the date reported. '' Based on this and proof Equifax should have removed XXXX from report but instead they allowed them to update status on my file and report as an open account with First date of delinquency as XXXX. Equifax is allowing XXXX to violate Federal laws put in place to protect consumers from misinformation on reports being used against us in a false or negative way in order to collect a debt. This debt is no longer owed.
Complaint sub-issue: Debt was result of identity theft

I was a victim of identity theft I have provided the company with supporting documentation that I have no recollection of ever opening this account. It has been over 6months and account is still showing negative on my credit and nothing has been resolved after contacting company numerous times. I have provided company with fraud affidavit as well as police report. All documents were sent via certified mail and delivered on XX/XX/2019. This error is causing me to miss out on employment opportunities due to my credit history.
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

In 2021 during the Covid pandemic student loan payments were not required to be paid and the credit reported agencies reported my loans as late payments. I disputed this and provided documentation however, nothing came of it. My student loans are regular XXXX federal student loans that are not in default.
Complaint sub-issue: Reporting company used your report improperly

XXXX # XXXX {$480.00} XX/XX/XXXX XXXX XXXX # XXXX {$14000.00} XX/XX/XXXX XXXX  XXXX XXXX # XXXX {$1400.00} XX/XX/XXXX XXXX XXXX # XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$180.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$160.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE REPORTING INCORRECT
Complaint sub-issue: Debt was paid

I file a dispute with trans union on XX/XX/XXXX.This was for a medical bill while I was cover by XXXX  with a XXXX supplement plan and va coverage..The doctors did not submit the bill to my coverage in a timely maner and sent it to americollect who enter it on my credit report. when I file the dispute on XX/XX/XXXX they had the amounts of {$110.00}. and XXXX dollars. They said that it was not cover by any of my insurances.But took the XXXX dollar amount off the report..This was done on XX/XX/XXXX..The XXXX stay on my report until I paid it on XX/XX/XXXX.. I have no billings from progressive physician associates.. now americollect has added a new charge to these same physician on my credit report for XXXX dollars on XX/XX/XXXX.. I do not owe this and beliee I never owe the XXXX amount.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

on XX/XX/2019 I was charged XXXX for a service I no longer have with XXXX. I tried calling direct express to dispute the charge but it would not let me. I was unable to speak to anyone. I called over 20 times and it kept giving me the same response it could not help me. I deactivated the account with company over a month ago and they are still taking my money. and I want it stopped and I want my money back in my account.
Complaint sub-issue: Information belongs to someone else

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative 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 very inconvenient on my part!
Complaint sub-issue: Information belongs to someone else

The following accounts are not mines, these unauthorized accounts shall be removed from my credit file immediately. 

1. XXXX XXXX {$570.00} 2. XXXX XXXX {$810.00} 3. XXXX XXXX XXXX {$240.00} 4. XXXX XXXX XXXX {$180.00}
Complaint sub-issue: Public record

I uploaded to Equifax a copy of a Lien Release Notice - Lien Recorded in Error signed by a California XXXX XXXX XXXX representative and a copy of the same release that was filed. This document is the only document that is provided by the CA XXXX. Equifax is insisting that I need to show them a Lien WITHDRAWAL Notice, even though the Lien Release Notice I provided to Equifax clearly shows that the lien was filed in error ( which means that the lien should not appear on my credit report ). Equifax is insisting on a document that the CA XXXX will not provide. This makes absolutely no sense and means that, even though anyone reading the Lien Release Notice would conclude that the lien should not appear on my credit report, this lien will continue to show as " Released '' and negatively impact my credit score. Also, when I spoke with XXXX Equifax representatives, they told me that no one had read the evidence I had uploaded, which means that Equifax 's review process is nothing close to reasonable.
Complaint sub-issue: Information belongs to someone else

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX  and Discover. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}. The Account Opened is XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX. The Account Opened is Discover Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. XXXX XXXX Acct. # XXXX,. XXXX XXXX Acct : # XXXX, XXXX XXXX Acct. : # XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  Acct : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  Acct : # XXXX, XXXX XXXX  Acct : # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Can't close your account

I'm reaching out today because I am so frustrated, and no one has been willing to help me. I'm stuck between a rock and a hard place. I have a simple checking account with Bank of The West and I'm totally in the dark as to what is happening with the account. 

I could not access anything on my account for three weeks through the app or online. I had been checking my balance at an ATM and trying to use cash. My card was still functioning properly so I didn't think that it was anything more than my password needing to be reset. Every time I called the online customer service it was over an hour wait and more than often at the end of my hour wait the call would drop and I would again be frustrated to the point of tears, as I am while writing this email. This is amidst a server crisis that took more than three weeks to fix. This was on XX/XX/XXXX and I still don't have access to anything. 

I called one night and finally got through after another hour wait, and being transfered three times to escalate the situation, all for the gentleman to tell me that I had to go to a branch to close the account. I asked why and he said my account had been compromised, and that he couldn't help me. When I got to the branch the teller said the account was fine and nothing had happened to it. It was totally fine. Very confused and frustrated I asked to close the account ( as instructed by the customer service team on the phone ) which the teller seemed to take personally. She then proceeded to tell me that I was wrong and that there was nothing that happened with the servers. I left and went to another branch to check the status of my account and ensure it was closed or closing. XXXX and XXXX at the XXXX XXXX branch at XXXX XXXX XXXX XXXX. 
XXXX XXXX, CO XXXX - ( XXXX ) XXXX were also very unhelpful in closing the account and essentially told me there is no way for the account to be closed permanently by the bank its self that it's my responsibility to ensure that I have contacted all of the merchants that I have ever used the card or the account with. I don't have access to my account to see all of that information and ensure that I have in fact contacted all of the merchants that are able to charge to the account. They are also the rudest bank tellers I have ever encountered. 

I called the the XXXX XXXX XXXX today to ensure that nothing has charged that would cause an overdraft or additional charges, and they said my address has been changed and that I need to go into a branch because they can't verify my identity. This is 2019 I can't go to a branch every day to make sure there is not fraud on my bank account and that I'm not being charged bank fees for something I have no insight to. I can't see what is happening on this account and I want to ensure that it is closed and that I am not being charged any fees. I know this is a long shot, but please, please, please help me if you can. I just want it to end. I just want to get as far away from this company as possible, but they are requesting I drive to a branch every day to monitor my account.
Complaint sub-issue: Reporting company used your report improperly

Have mailed out several letters stating to the Credit Reporting Agencies of Tragic Event of Fraud And Identity Theft Being A Very Serious Cause Towards My Account Was Ignored Or Falsely And Unlawfully lied to about Accounts being reported is My Contract obligations of me owing debt with no written instructions or WET INK SIGNATURE stating approval for access to accounts and proper verification before opening accounts. The Credit Reporting Agency Which This Complaint is Addressed to continues to violate my privacy right and ALSO it continues to REPORT FRAUDUALENT ACCOUNTS WITH NO PROPER VERIFICATION, VALIDATION, OR CONSENT. AFTER BEING INFORMED multiple times through mail that accounts are fraudulent the CREDIT REPORTING AGENCY continues to report fraudulent claims and debts which consists of the CREDIT REPORTING AGENGY ASSISTING AND PREMITTING/ OR INVOLVED IN DOING IDETITY THEFT OR FRAUD ON CREDIT REPORT AND PUBLIC RECORDS.
Complaint sub-issue: Reporting company used your report improperly

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Complaint sub-issue: Reporting company used your report improperly

Notice to Agent Notice to Principal ALL CONTRACTS ARE VOID! This is the truth and nothing but the truth. If it is not THE GREAT LAW, I XXXX XXXX XXXX the living SOUL, Will not take part or honor any law that governs the jurisdiction of an illegal fiction. I will not converse in any law that is not The Great Law. Meaning adhesion contracts are hereby NOW void because they werecohesion by deception, This is Written Notice to cancel, settle, discharge, delete, destroy, burn, eliminate disappear, get rid of all illegal fiction contracts. The United States government and the XXXX has been deceiving XXXX XXXX XXXX by promoting adhesion contracts, coercive laws, deceptive laws written under the pretax of our government, but its been fraud the whole time.Notice to agent is Notice to principal.I have a bandit all contracts due to the fact I have been deceive through legalese, and I have been trapped in the deception since XXXXMy birthright and blood rights has been taking away without my consent.This is Public Notice to ALL coming from XXXX XXXX and The Great Law of The REAL Americas ALL CONTRACTS ARE HEREBY VOID DUE TO NON-PERFORMANCE BY THE GOVERNMENT AND THERE CORPORATIONS! This is a Cease and Desist to all parties involved with trying to Contract without any lawful jurisdiction to my illegal fiction. Any corporation using any form of UNIFORM COMMERCIAL CODE or Maintaining a database of any information containing the name XXXX XXXX XXXX date of birth XXXX, Social security number XXXX is FIRED. Attached are copies of my identification and The American Declaration on The Rights of XXXX XXXX