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

I filed for Chapter XXXX bankruptcy in 2009 and the accounts that were included in the case were listed as charge-off status. XXXX have the accounts listed as closed charge off. But after several disputes Equifax keeps listing the accounts as still open with no closed date. Therefore it is still showing up as an open charge off account and reporting as late and not closed on my credit report.
Complaint sub-issue: Debt was paid

I paid a collection for XXXX cents to a collection company and they are still billing me for XXXX. Double what they said i owed and paid in full. I refuse to pay another dime to them. Please help me to get them to stop attempting to contact me anymore to collect a debt that I've already paid.
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 rights 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 instruction. 
Creditor Information XXXX XXXX A XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Balance {$92.00} Highest Balance {$92.00} Opened XX/XX/2020 ( 2 yrs, 1 mo ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Medical Original Creditor Name XXXX XXXX XXXX Closed No Info
Complaint sub-issue: Information belongs to someone else

THESE ACCOUNTS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX -- / -- {$7700.00} XXXX {$7700.00} XXXX - {$7700.00} XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$16000.00} XXXX {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Account status incorrect

Account should be reported as closed with a XXXX  balance. No of the previous attempts to verify this debt has been completed by the agency. And no verification from the credit reporting agencies have been receive nor have any of the credit reporting agencies provided the manner in which they verified have been provided.
Complaint sub-issue: Reporting company used your report improperly

This is tied into complaint XXXX that was already filed. 

On XX/XX/XXXX I reported I received a credit card that I did not request. I reported the card to XXXX XXXX as fraud and identity theft. They stated the account was cancelled. 

Today XX/XX/XXXX I received XXXX different letters from XXXX XXXX that they closed XXXX other accounts that were opened in my name. I did call and the fraud department confirmed XXXX other accounts were flagged and closed. 

I have fraud/identity theft alerts with all agencies. I also have this with XXXX XXXX How were they able to open this many accounts and not be flagged? I received no contact from any of the agencies to authorize these account nor did I receive notice that these accounts were opened until I received the fraudulent card.
Complaint sub-issue: Investigation took more than 30 days

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am XXXX  that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Complaint sub-issue: Account information incorrect

On this specific account XXXX XXXX  reports " Settled for less. '' XXXX  reports " legally paid in full for LESS than FULL Balance ''. Equifax reports payment was only {$340.00}. The account was paid in full with an overpayment of around {$41.00}, so the " settled for less '' and " less than full balance '' from XXXX and XXXX  needs to be removed and Equifax needs to show that the full balance was paid. 

Correspondence Log with XXXX  : XXXX XX/XX/2021 Rep : XXXX Call ID XXXX Number called : XXXX XXXX min around XXXX MST XXXX acknowledged payment in FULL, with an overpayment of about {$41.00}, sent me an link to dispute the remarks on my credit report that state the payment was NOT paid in full because the reports state the account was " settled for less '' and " less than full balance. '' Submitted dispute on XXXX or XXXX XX/XX/2021, received email notification to XXXX to XXXX receiving dispute at XXXX XX/XX/2021 at XXXX MST. Ticket ID XXXX Received response of dispute from XXXX  ( XXXX XXXX XXXX stating : " The loan is reporting correctly to the credit bureaus '' and that they " consider this investigation closed '' and " will not respond to further request that are substantially the same as the previous request ( s ) submitted by you or on your behalf '' XXXX XX/XX/2021 Rep : XXXX XXXX ID XXXX Number called : XXXX 31 min at XXXX MST. I was told that a manager was not available to assist me and they could not transfer me to the credit reporting department.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I disputed transactions for services I never reneged from a scammer. It was initially found in my favor and then overturned. I submitted an email stating that a refund was due to me. I am due the refund for the XXXX XXXX charges. The past complaint was closed unsatisfactorily. I uploaded documentation saying the refund was due.
Complaint sub-issue: Account opened as a result of fraud

I received a letter from Bank of the West that says I opened an online account on XX/XX/2022 and XX/XX/2022. 

I did not open any accounts with that bank. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX, acting on behalf of US Bank, has filed two letters of delinquent debt on an account under my maiden name. I have contacted XXXX via letter on XX/XX/2019 for both accounts, # XXXX amount of {$220.00} and # XXXX amount of {$910.00} and notified them that unless they can provide a written contract for those accounts with US Bank, I will consider this a matter of stolen identity as I have had other accounts opened under my maiden name which I have never used for banking purposes. I had been contacted several times last year by US Bank to open accounts with them which I declined and it appears whoever was attempting to do so succeeded to creating these accounts without any authorization from me.
Complaint sub-issue: Their investigation did not fix an error on your report

I consistently check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct.This has damaged me and held me back for some time. I'm demanding the CFPB to enforce the correction and/or deletion of these items. XXXX XXXX account # XXXX has inaccurate last reported. Inaccurate date last active.
Complaint sub-issue: Didn't receive advertised or promotional terms

I opened a XXXX XXXX XXXX in XXXX XXXX. When I applied for the card on-line they offered a XXXX XXXX balance transfer deal. I submitted the information for the loan I wanted to have Citi pay to take advantage of this. The loan I wanted paid off by them was with XXXX XXXX XXXX XXXX in the amount of {$6700.00}. I received my Citi MasterCard on XX/XX/22 and activated it that day. I also created a log-in on their web site so I can access my account on-line. I noticed ( on XX/XX/22 ) they had already charged my account for the above amount yet when I checked my XXXX XXXX account on-line the balance on the loan I wanted Citi to pay off was still there. I called their customer service number ( XXXX ) XXXX when I finially got through to a representative they acted like they couldn't hear me and hung up. I have called them XXXX more times since XX/XX/22 and each time this is what they do - their phone menu is very difficult to navigate and they intentionally make it extremely difficult to get through to some one. As of today, ( XX/XX/22 ) the balance on my XXXX XXXX XXXX still shows the above balance ( citi has not paid it off ) and of course Citi show 's that I owe them another {$6700.00}!! These people are nothing but thieves!!!
Complaint sub-issue: Personal information incorrect

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days after XXXX XXXX XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts is UNKNOWN to me and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX
Complaint sub-issue: Account status incorrect

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Reports : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXXXXXXXXXX XXXX XXXX  XXXX
Complaint sub-issue: Old information reappears or never goes away

I am furious first as this is a ongoing issue with Equifax. You prove why things is not supposed to be on your credit report and Equifax removes it then place it back on your credit report a year or so later when they think you have forgotten about it. This has happened THREE times already regarding having XXXX XXXX XXXX on my credit report. I have 2 old unverified collections that has once again popped up on my credit file under Collections. If you refer back to Complaint ID # XXXX dated XX/XX/XXXX and Complaint ID # XXXX dated XX/XX/XXXX. All collections from this debt collector who I have no dealings with has been REMOVED. EQUIFAX ALSO STATED IN THERE RESPONSE IT WAS REMOVED AND NO LONGER ON MY CREDIT REPORT. As I requested my credit file via mail and it was sent XX/XX/XXXX. I see the same collections back on my file. Like who do I sue at this point?????? Are we gon na keep blaming it on this constant breach there having ruining people 's lives????? I also disputed 13 inquiries which are still showing that I did not authorize. This is a headache and extremely stressful. I did file the breach claim as well.
Complaint sub-issue: Personal information incorrect

Good afternoon, I contact lexisnexis in order to correct my address because in their report continues to place me in different past addresses except for my current address. I upload all the documents they ask. and they sent me a letter saying they need more documents and the documents I sent can be read. I resend all documents and more of the information they ask. and receive a second letter asking for me to go into a website that they provide but nothing can be done in the website. Im see that they just try to give me the run around until I get tired and give up, I just need the correct address on my report I dont need a soup of address except for my current address. that is simple only my current address should be in my report. Please if possible I like them to fix the issue and send you the proof that the situation is resolve. Thanks in advance
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/2020, I called and requested a copy of my Consumer Disclosure Report and I only received 2 pages from LexisNexis by mail. One page was an introduction page and the other page was intentionally blank, still no copy of my report. However, I called again on XX/XX/2020, and requested a copy of my Consumer Disclosure Report and LexisNexis mailed me only 2 pages. One page was an introduction page and the other page was intentionally blank, still, no copy of my Consumer Disclosure Report I requested after a creditor ( XXXX XXXX XXXX ) used their services and I was denied new credit.
Complaint sub-issue: Public record

A court judgment has been reported incorrectly with all three of the major credit report companys. I was reported as being the Defendant where as I was the Plaintiff and that judgement was against me where as it was actually for me.
Complaint sub-issue: Information belongs to someone else

TODAYS DATE:XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX   Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : DP OF EDUC XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX XXXX DPEDXXXX  XXXX XXXX XXXX XXXX  XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of  {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Complaint sub-issue: Talked to a third party about my debt

I call ; ed the company and wrote to the company at least XXXX times stating I closed the account. This should be removed from ALL XXXX credit bureaus. The account was closed by ME not the copnay.
Complaint sub-issue: Overdrafts and overdraft fees

I been with BOK for about 6yrs, for the last few years i have had health problems and the latest losing my love of my life of 30yrs and our only child a son 24yrs a week a part to the virus. I spent time in the parking lot just to be close to them that was when you couldnt visit hospitals XXXX up until present its been rough after losng my family it triggered a XXXX XXXX i had heat XXXX in XX/XX/XXXX had XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and recently a battle with XXXX  myself. I had my family call BOK let them know about my health and i will be in to take care of it please dont charge my over draft fees. The lady told them she couldnt talk to them but would make notes to the account. But each time i came home i had several charges in fees each {$35.00} well over {$100.00} this last time after coming home from having XXXX  i explain itwas something that couldnt be help, they chastised me like i was a little kid and im almost XXXX old. I been giving up my medication to pay fees but i couldnt do it this time they have fixed it where if i wanted too open a new account i couldnt because they are reporting me as if i did this on purpose but has blacked list me from other banks, Butthe way they talked to me chastised me about my account. I need help out of this and im so stressed over it my XXXX XXXX is high now they are effecting other parts of my life. But i cant pay the checks and over {$100.00} in over drfts im on a fixed income ssi XXXX. They almost seem like loan sharks the way they talk to you borderline threats thru chastising
Complaint sub-issue: Reporting company used your report improperly

I would like to state that Equifax, XXXX, and XXXX is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Equifax, XXXX, or XXXX written consent to report anything on my consumer report. No consent is identity theft. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing Equifax, XXXX, and XXXX these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If Equifax, XXXX, or XXXX wants to continue to do business with me, they should delete these inaccuracies off my consumer report immediately.
Complaint sub-issue: Frequent or repeated calls

It comes up Discover Finance ... ... I do not own a XXXX card, never have.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX 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: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Complaint sub-issue: Account status incorrect

This card is reporting twice on ALL credit bureaus and when I tried to apply again it says I already have a card and I do not please stop reporting it twice one says included in bankruptcy and other is just blank or says paying as agreed but one also has my credit usage at 176 % this is incorrect please delete this off and correct my information in your system I am trying to purchase a house and this effecting me negatively please correct ASAP and rescore me
Complaint sub-issue: Problem getting report or credit score

I 'm not able to obtain a credit report ; I keep getting a message that says my information does n't match.
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report, I discovered the erroneous accounts. The XXXX credit bureaus must verify these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be deleted from erroneous reporting in my file. 

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

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.